JDeasy a Question for You...

[lifeagent007]

Question what exactly are YOU putting on the replacement form as the reason for replacement as it sounds like the customer now has a lower premium. The only benefit would be coverage by the state guarantee fund but that is something you are not allowed to sell on.

QUOTE]

I don't think he's replacing, it's more of a reinstatement right now.

Todd nailed it. And lucky for her she is within her 30 day free look as well for Catholic

 

[GeminiGroup]

Hey guys Update for you. So i went to the appointment today with my CUSTOMER (no ex anymore.) I simply sat down and explained the differences without being pushy or rude and when I was all done explaining she looked at me and said "I knew I should have left it the way it was." And the rest was history. Haha I went grabbed a note pad and said I'll help you with the wording and we'll send this cancel letter to Catholic life.

And besides that the agent before me was a jerk... replaced my policy for .40 cents... yes 40 CENTS less a month.

Moral of the story. It pays to follow up with your cancels.

IMO the agent wasn't the 'only' JERK in the above mentioned scenario ....the CLIENT basically sold you out for that same 40 CENTS, correct?

How many times has a consumer told a salesperson ( of any sort) 'that's' not worth the time and trouble ( and effing of my agent) but in this case your seemingly wishy-washy client did in fact 'grab' that .40 cents.....jus sayin' NOTHING happens w/o the client agreeing that, that quarter,nickel and dime were enough to fill out that new paperwork.

Sure the agent may be a Richard for doing it but the client isn't much better.....

 

[WinoBlues]

That's exactly right. It amazes me that we even have to point this out to the public.

Someone else was talking about how they probably had the only client that read their policy. There is a lot of truth to that. On mailed policies I sometimes have to cal to get the delivery receipt and find out that they have not even opened nthe envelope yet.

On the non guarantees, my experience is the agent did not tell them, the agent did not know or the agent lied. Not in all cases but in many.

 

[lifeagent007]

IMO the agent wasn't the 'only' JERK in the above mentioned scenario ....the CLIENT basically sold you out for that same 40 CENTS, correct?

How many times has a consumer told a salesperson ( of any sort) 'that's' not worth the time and trouble ( and effing of my agent) but in this case your seemingly wishy-washy client did in fact 'grab' that .40 cents.....jus sayin' NOTHING happens w/o the client agreeing that, that quarter,nickel and dime were enough to fill out that new paperwork.

Sure the agent may be a Richard for doing it but the client isn't much better.....

Ture he client was a little weak but who knows what the previous agent said to get her to switch. For me Resetting someone's contestability period for a grand total of 4.80 a year is kinda of a jerk thing to do.

 

[tins]

Ture he client was a little weak but who knows what the previous agent said to get her to switch. For me Resetting someone's contestability period for a grand total of 4.80 a year is kinda of a jerk thing to do.

I agree. We've all seen some pushy agents bully a person into a policy that they really did not want, but somehow don't say 'no'.
Good job getting your client back!