Lincoln Heritage Clean Sheeting

[Agentguy5]

Ok, so I was a little drunk the other night when a LH commercial came on. I called the number and gave them my info. I figure, if the agent that comes over doesn't do anything shady, I can throw him some free leads and recruit him.

Well, he came by this morning!
I told him I had COPD, Smoked, and Was Epileptic, to see how expensive their Modified was.

I told him I had been epileptic and with COPD for around 4 years.

There were no Seizure or Epilepsy questions on the application.

He told me that since I had the COPD for more than 2 years, I would qualify for Standard Smoker rates. I showed him that the application clearly said, "had been treated for or seen a Dr for" so it can't be considered maintenance since I was taking all sorts of meds for it and was with the doctor the other day about it. He insisted that I can say no on the POS interview.

I also said, what if I was on Dialysis and started that over 2 years ago? He said First Day Coverage! As long as you have had ANY condition for more than 2 years you can answer NO to the question.

I explained to him who I was, handed him $40 for the cost of the lead, and let him know that what he was doing was going to get him reported. He stated that he had already been reported once, and recently, had to do an interview with the state. lol

He explained that this is how he was taught to sell and that he was licensed 2 years ago and been with LH for a few months and was already one of their top producers.

 

[Rearden]

Ok, so I was a little drunk the other night when a LH commercial came on. I called the number and gave them my info. I figure, if the agent that comes over doesn't do anything shady, I can throw him some free leads and recruit him.

Well, he came by this morning!
I told him I had COPD, Smoked, and Was Epileptic, to see how expensive their Modified was.

I told him I had been epileptic and with COPD for around 4 years.

There were no Seizure or Epilepsy questions on the application.

He told me that since I had the COPD for more than 2 years, I would qualify for Standard Smoker rates. I showed him that the application clearly said, "had been treated for or seen a Dr for" so it can't be considered maintenance since I was taking all sorts of meds for it and was with the doctor the other day about it. He insisted that I can say no on the POS interview.

I also said, what if I was on Dialysis and started that over 2 years ago? He said First Day Coverage! As long as you have had ANY condition for more than 2 years you can answer NO to the question.

I explained to him who I was, handed him $40 for the cost of the lead, and let him know that what he was doing was going to get him reported. He stated that he had already been reported once, and recently, had to do an interview with the state. lol

He explained that this is how he was taught to sell and that he was licensed 2 years ago and been with LH for a few months and was already one of their top producers.

Hmm... that makes for an interesting recruiting strategy:

Call on all the Senior Life and Lincoln Heritage TV ads you see, feel out how they are doing in the business, and recruit them if they have any potential.

Not a bad idea!

 

[WinoBlues]

Ok, so I was a little drunk the other night when a LH commercial came on. I called the number and gave them my info. I figure, if the agent that comes over doesn't do anything shady, I can throw him some free leads and recruit him.

Well, he came by this morning!
I told him I had COPD, Smoked, and Was Epileptic, to see how expensive their Modified was.

I told him I had been epileptic and with COPD for around 4 years.

There were no Seizure or Epilepsy questions on the application.

He told me that since I had the COPD for more than 2 years, I would qualify for Standard Smoker rates. I showed him that the application clearly said, "had been treated for or seen a Dr for" so it can't be considered maintenance since I was taking all sorts of meds for it and was with the doctor the other day about it. He insisted that I can say no on the POS interview.

I also said, what if I was on Dialysis and started that over 2 years ago? He said First Day Coverage! As long as you have had ANY condition for more than 2 years you can answer NO to the question.

I explained to him who I was, handed him $40 for the cost of the lead, and let him know that what he was doing was going to get him reported. He stated that he had already been reported once, and recently, had to do an interview with the state. lol

He explained that this is how he was taught to sell and that he was licensed 2 years ago and been with LH for a few months and was already one of their top producers.

Did he start at Bankers?

..............

 

[Agentguy5]

Did he start at Bankers?

..............

He told me he started with AIL

 

[WinoBlues]

He told me he started with AIL

From my experience kinda the same thing. There are certain companies that I take an extra close look at the app when reviewing policies.

 

[Newby]

Ok, so I was a little drunk the other night when a LH commercial came on. I called the number and gave them my info. I figure, if the agent that comes over doesn't do anything shady, I can throw him some free leads and recruit him. Well, he came by this morning! I told him I had COPD, Smoked, and Was Epileptic, to see how expensive their Modified was. I told him I had been epileptic and with COPD for around 4 years. There were no Seizure or Epilepsy questions on the application. He told me that since I had the COPD for more than 2 years, I would qualify for Standard Smoker rates. I showed him that the application clearly said, "had been treated for or seen a Dr for" so it can't be considered maintenance since I was taking all sorts of meds for it and was with the doctor the other day about it. He insisted that I can say no on the POS interview. I also said, what if I was on Dialysis and started that over 2 years ago? He said First Day Coverage! As long as you have had ANY condition for more than 2 years you can answer NO to the question. I explained to him who I was, handed him $40 for the cost of the lead, and let him know that what he was doing was going to get him reported. He stated that he had already been reported once, and recently, had to do an interview with the state. lol He explained that this is how he was taught to sell and that he was licensed 2 years ago and been with LH for a few months and was already one of their top producers.

You should've told him you don't smoke all that much and see what he did.

 

[Agentguy5]

You should've told him you don't smoke all that much and see what he did.

I am sure if I asked him to give me Non-Tobacco rates, he would have done it!

He did say one thing that got me thinking. He works some of the same areas that we work and he mentioned that he really did well when he took leads in an area of Fort Lauderdale. We worked it a little bit, years ago, but did lousy. I'm wondering if I shouldn't get some TM leads there and check it out again.

 

[jdeasy]

Ok, so I was a little drunk the other night when a LH commercial came on. I called the number and gave them my info. I figure, if the agent that comes over doesn't do anything shady, I can throw him some free leads and recruit him.

Well, he came by this morning!
I told him I had COPD, Smoked, and Was Epileptic, to see how expensive their Modified was.

I told him I had been epileptic and with COPD for around 4 years.

There were no Seizure or Epilepsy questions on the application.

He told me that since I had the COPD for more than 2 years, I would qualify for Standard Smoker rates. I showed him that the application clearly said, "had been treated for or seen a Dr for" so it can't be considered maintenance since I was taking all sorts of meds for it and was with the doctor the other day about it. He insisted that I can say no on the POS interview.

I also said, what if I was on Dialysis and started that over 2 years ago? He said First Day Coverage! As long as you have had ANY condition for more than 2 years you can answer NO to the question.

I explained to him who I was, handed him $40 for the cost of the lead, and let him know that what he was doing was going to get him reported. He stated that he had already been reported once, and recently, had to do an interview with the state. lol

He explained that this is how he was taught to sell and that he was licensed 2 years ago and been with LH for a few months and was already one of their top producers.

If he was a top producer with them wouldn't he be on their trip this week?

 

[Iwillpay]

Ok, so I was a little drunk the other night when a LH commercial came on. I called the number and gave them my info. I figure, if the agent that comes over doesn't do anything shady, I can throw him some free leads and recruit him.

Well, he came by this morning!
I told him I had COPD, Smoked, and Was Epileptic, to see how expensive their Modified was.

I told him I had been epileptic and with COPD for around 4 years.

There were no Seizure or Epilepsy questions on the application.

He told me that since I had the COPD for more than 2 years, I would qualify for Standard Smoker rates. I showed him that the application clearly said, "had been treated for or seen a Dr for" so it can't be considered maintenance since I was taking all sorts of meds for it and was with the doctor the other day about it. He insisted that I can say no on the POS interview.

I also said, what if I was on Dialysis and started that over 2 years ago? He said First Day Coverage! As long as you have had ANY condition for more than 2 years you can answer NO to the question.

I explained to him who I was, handed him $40 for the cost of the lead, and let him know that what he was doing was going to get him reported. He stated that he had already been reported once, and recently, had to do an interview with the state. lol

He explained that this is how he was taught to sell and that he was licensed 2 years ago and been with LH for a few months and was already one of their top producers.

If I remember correctly you did this sometime ago with a female agent from LH.
Just curious did they take the $40.00

 

[GMDM100k]

That is terrible. He should be reported and have his contract terminated.

Maybe one of you guys can take him on... I'm sure if he is taught the correct way he would never clean sheet again.

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If he was a top producer with them wouldn't he be on their trip this week?

Lincoln didn't have their trip this week. It's in October.. I'm not sure what convention the other thread was talking about. Maybe for a local group but it wasn't the company trip.

I'm certain he's not a top producer. If he was doing a lot of volume Lincoln would have a specific underwriter watching his apps.