MIB Disclosure

[gymguy]

So I only do telesales. I use foresters as my primary carrier for most apps. After they run the rx check, they will occassionally come back with a suspended decision because of something that popped up on the MIB report. Foresters will send you an email that instructs you to obtain and submit their MIB disclosure if you want to proceed further with the application.

Personally, I have always just let them go as virtually no FE client will go through this hassel. I had a few questions for you guys.

1. Has anyone ever actually gotten an MIB disclosure and submitted it to Foresters or any carrier for that matter? If so, does that ever result in a policy being issued (if you could comment on the frequency of it being a success, that would be great too)?

2. Are there any carriers out there who would approve these people when others claim an MIB disclosure is needed? If so, who and do they do telesales?

Thanks for your time.

 

[Minthill62]

So I only do telesales. I use foresters as my primary carrier for most apps. After they run the rx check, they will occassionally come back with a suspended decisions because of something that popped up on the MIB report. Foresters will send you an email that instructs you to obtain and submit their MIB disclosure if you want to proceed further with the application.

Personally, I have always just let them go as virtually no FE client will go through this hassel. I had a few questions for you guys.

1. Has anyone ever actually gotten an MIB disclosure and submitted it to Foresters or any carrier for that matter? If so, does that ever result in a policy being issued (if you could comment on the frequency of it being a success, that would be great too)?

2. Are there any carriers out there who would approve these people when others claim an MIB disclosure is needed? If so, who and do they do telesales?

Thanks for your time.

They need it for legal reasons. I did a phone interview with the client in person (I don't do telesales) and they were pushed into "graded" for some reason. The rates were too high and I got them into a preferred with another company. Foresters sent me a number of emails "requiring" that I send them the authorization. I called their agent services and was told to send pages 1 and 3 (3 has the signature and the authorization) even if they don't take out a policy. They just need it legally since they performed the MIB.

 

[liorselamb]

So I only do telesales. I use foresters as my primary carrier for most apps. After they run the rx check, they will occassionally come back with a suspended decision because of something that popped up on the MIB report. Foresters will send you an email that instructs you to obtain and submit their MIB disclosure if you want to proceed further with the application. Personally, I have always just let them go as virtually no FE client will go through this hassel. I had a few questions for you guys. 1. Has anyone ever actually gotten an MIB disclosure and submitted it to Foresters or any carrier for that matter? If so, does that ever result in a policy being issued (if you could comment on the frequency of it being a success, that would be great too)? 2. Are there any carriers out there who would approve these people when others claim an MIB disclosure is needed? If so, who and do they do telesales? Thanks for your time.

ACI is a great alternative for this kind of situation. No MIB or Rx check. Simple yes / no application. POS pre approval

 

[moonlightandmargaritas]

ACI is a great alternative for this kind of situation. No MIB or Rx check. Simple yes / no application. POS pre approval

The dude specifically pointed out that he does telesales, ACI isn't a great alternative.

 

[liorselamb]

The dude specifically pointed out that he does telesales, ACI isn't a great alternative.

Oops.... My bad. I know ACI just rolled e-app for Med Supp so hopefully it'll be for FE soon

 

[Mattschmidt]

The dude specifically pointed out that he does telesales, ACI isn't a great alternative.

If youre prospect has internet, and an email account, they can E-sign. ACI is perfect for tele-sales. nice an easy!

 

[jacobtn]

If youre prospect has internet, and an email account, they can E-sign. ACI is perfect for tele-sales. nice an easy!

Final expense? Works for that too?

 

[liorselamb]

Final expense? Works for that too?

Not yet for FE. Med supp only

 

[Mattschmidt]

Not yet for FE. Med supp only

You couldn't be any more wrong...I've been using a third party Electronic Signature for them for 3 months.

It exists, and it's spectacular.

welcome to 2014.

 

[liorselamb]

You couldn't be any more wrong...I've been using a third party Electronic Signature for them for 3 months. It exists, and it's spectacular. welcome to 2014.

Which state are you in? I'm in SC and NC and it is not available here. So I guess we're both right / wrong