Licensed Insuranced Sales Reps vs. Intake Specialist

[Danieltoots]

Hi all, I am new to here and also to this industry. I wanted to ask at what point legally does a licensed sales rep have to take over the phone call?

Is it possible to have an intake specialist who is not licensed ask a lot of the questions then turn it over to me after the intake specialist quotes the client, and knows for sure that the client wants the policy?

Is that possible or no?

 

[theinsuranceman]

Hi all, I am new to here and also to this industry. I wanted to ask at what point legally does a licensed sales rep have to take over the phone call?

Is it possible to have an intake specialist who is not licensed ask a lot of the questions then turn it over to me after the intake specialist quotes the client, and knows for sure that the client wants the policy?

Is that possible or no?

I'd call your Dept. of Insurance for the correct answer. Up here you may wait for a longer period of time just to receive an educated guess that may be incorrect.

 

[DHurd]

after the intake specialist quotes the client, and knows for sure that the client wants the policy

No, that's not possible. You'll lose your liscence

 

[adjusterjack]

Is that possible or no?

Read 522B.2 and 522B.3 of the Iowa insurance license statute. Your answer is in there.

https://www.legis.iowa.gov/docs/ico/chapter/522B.pdf

Is it possible to have an intake specialist who is not licensed ask a lot of the questions then turn it over to me after the intake specialist quotes the client, and knows for sure that the client wants the policy?

Is that possible or no?

No, that's not possible. You'll lose your liscence

Agree. That's soliciting and goes way too far beyond the exemption.

 

[DHurd]

"Hi I'm so and so calling for so and so to see if you're interested in protecting your family from the cost of your final expenses" "oh great, let me get you over to liscenced agent to discuss what your options are" etc

 

[Danieltoots]

Ok ok relax. Thank you for the answers but big picture all of you do see how this is silly right?

The fact that an "intake specialist" couldn't ask simple questions and collect the answers and then ONCE the person is 100% interested and OK with the rate for the amount of coverage they're getting...THEN pass that call over to a licensed agent.

I GET IT....IT'S AGAINST THE LAW!!!

But thinking about it...in a broader sense WHY is it against state law to have some other person who isn't licensed ask stupid questions like "In the last. five years have you ever been convicted of a....and so on and so on..."

Being honest it's a complete waste of time and as long as that intake specialist is recording the correct answer then why can't they do that?

I'm not the only intelligent being thinking this...I spoke to someone else who has been in the industry forever and they said certain states are trying to get this passed.

As I'm getting more and more into this industry I'm realizing all an insurance agent is ...is an intake specialist lol.
Recording answers, giving a quote and they say yes or no...I mean I'd rather a robot or a machine, or monkey ask these questions to the people...to save me time.

 

[DHurd]

As I'm getting more and more into this industry I'm realizing all an insurance agent is ...is an intake specialist lol.
Recording answers, giving a quote and they say yes or no...I mean I'd rather a robot or a machine, or monkey ask these questions to the people...to save me time.

If that's what you think your role comes down to, I'm afraid you're majority limiting your potential growth

 

[Tahoe Ray]

"Hi I'm so and so calling for so and so to see if you're interested in protecting your family from the cost of your final expenses" "oh great, let me get you over to liscenced agent to discuss what your options are" etc

This is 100% a thing. I don't know of the legality but I know that "fronters" exist in many call centers across all different insurance lines.

They can't talk product specifics or complete an app but they take indications of interest and/or basic health info before flipping the call to an agent.

*not legal advice

 

[Tahoe Ray]

As I'm getting more and more into this industry I'm realizing all an insurance agent is ...is an intake specialist lol.
Recording answers, giving a quote and they say yes or no...I mean I'd rather a robot or a machine, or monkey ask these questions to the people...to save me time.

If you're an intake specialist then you'll be making more money than 99% of the industry.

Taking orders is the goal. Prospecting and making contacts is the hard part.

 

[DHurd]

This is 100% a thing. I don't know of the legality but I know that "fronters" exist in many call centers across all different insurance lines.

They can't talk product specifics or complete an app but they take indications of interest and/or basic health info before flipping the call to an agent.

*not legal advice

Yea I was just giving an example of what would be legal to do. He was asking if they can quote them on policies and he just signs off basically