- 7,790
Re: Working with AFLAC for now
I think that Bob_The_Insurance_Guy's approach is the most realistic.
I think that Bob_The_Insurance_Guy's approach is the most realistic.
My personal experience with Aflac
- Thread starter STIBROKER
- Start date
- 9,744
- 596
Re: Working with AFLAC for now
Except for selling STM to those on COBRA...
I'm not arguing, just concerned. I called a carrier last year in my state and asked if STM counted as credible coverage and they told me yes. I would think it would be a federal mandate (covered under HIPAA) rather than a state by state basis (unless there is a state law here requiring our carriers to accept it as credible coverage). I'll have to call tommorow and double check. If it's not considered credible, that would be crucial to know.
Except for selling STM to those on COBRA...
I'm not arguing, just concerned. I called a carrier last year in my state and asked if STM counted as credible coverage and they told me yes. I would think it would be a federal mandate (covered under HIPAA) rather than a state by state basis (unless there is a state law here requiring our carriers to accept it as credible coverage). I'll have to call tommorow and double check. If it's not considered credible, that would be crucial to know.
- 14,808
Re: Working with AFLAC for now
I was told that both GR and Assurant's STM are creditable coverage. Still, it's dangerous to take people off Cobra. A rarely sell any STM so for me it's a non issue. The only place I can see for it is when somone has taken a position and waiting for bene's to kick in.
I was told that both GR and Assurant's STM are creditable coverage. Still, it's dangerous to take people off Cobra. A rarely sell any STM so for me it's a non issue. The only place I can see for it is when somone has taken a position and waiting for bene's to kick in.
- 9,744
Re: Working with AFLAC for now
In some instances, some of the Blues consider their STM to be creditable coverage...when applying for Blue IFP.
Be careful.
In some instances, some of the Blues consider their STM to be creditable coverage...when applying for Blue IFP.
Be careful.
- 14,808
Re: Working with AFLAC for now
GR and Assurant also claim to be creditable - however that just from them verbally. If you have evidence otherwise that would be fantastic to post. No sarcasm intended - just going on what I was told years ago.
GR and Assurant also claim to be creditable - however that just from them verbally. If you have evidence otherwise that would be fantastic to post. No sarcasm intended - just going on what I was told years ago.
- 596
Re: Working with AFLAC for now
When I got started, I had a side business that I worked on weekends to make ends meet. I've been "as earned" since day one without a choice to chose otherwise. If it hadn't been for that income, I don't know for certain I still would be in the business.
When I got started, I had a side business that I worked on weekends to make ends meet. I've been "as earned" since day one without a choice to chose otherwise. If it hadn't been for that income, I don't know for certain I still would be in the business.
- 596
Re: Working with AFLAC for now
Be careful.
I'll have to do some more checking before the next STM case I right. I probably do one or two a month at most. Sometimes you don't know what you don't know!
Be careful.
I'll have to do some more checking before the next STM case I right. I probably do one or two a month at most. Sometimes you don't know what you don't know!
- 7,790
Re: Aflac rep also wants to sell pet insurance
I thought the Met Life product was available only to dogs that are named Snoopy!
I thought the Met Life product was available only to dogs that are named Snoopy!
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