Use this in sales situations if it fits.
40 year old client with two di policies, $2k/mo on each, 90e, 24mo benefit on one, 60 month on the other.
April 1, 2013, lapses the 60 mo benefit plan.
May 19, crashes his motorcycle, at least six months completely off work with a few more partial.
- - - - - - - - - - - - - - - - - -
It gets better. In talking with him yesterday, I faxed him a copy of the reinstatement form where it clearly ask about accidental injury. So I circle it and explain, there is no way in hell he's getting it back.
He must have called the co and got his own copy because he just faxed me a cover letter and reinstate form without the "accidental injury" circled and he didn't mark YES on injury. As if they company is going to pay out $2000/mo without checking with the doctor and looking back at the reinstate app and noticing that the fact he wadded up his legs in a motorcycle accident was not disclosed.
40 year old client with two di policies, $2k/mo on each, 90e, 24mo benefit on one, 60 month on the other.
April 1, 2013, lapses the 60 mo benefit plan.
May 19, crashes his motorcycle, at least six months completely off work with a few more partial.
- - - - - - - - - - - - - - - - - -
It gets better. In talking with him yesterday, I faxed him a copy of the reinstatement form where it clearly ask about accidental injury. So I circle it and explain, there is no way in hell he's getting it back.
He must have called the co and got his own copy because he just faxed me a cover letter and reinstate form without the "accidental injury" circled and he didn't mark YES on injury. As if they company is going to pay out $2000/mo without checking with the doctor and looking back at the reinstate app and noticing that the fact he wadded up his legs in a motorcycle accident was not disclosed.
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