New and here to learn

[jdeasy]

I know,right ?

I will call for a risk assessment just to be certain in regards to how the carrier looks at treatments,medications….etc…I'm not perfect.

What about Trinity? Do you still use them ? How is their service ? Are they fast to pick up the phone ? Staff trained properly ? DE card updated on the phone ?

In your opinion,is it worth a reduction in comp,110% to get better agent/customer service ?

There's no reason to call for risk assessments on FE. It's accept/reject. I might call on a fully underwritten special case but never on FE.

I use Trinity/FBL a little. They answer the phones. I have a couple Trinity policy holders that wanted to borrow. I called them, they answered, I told the lady what I needed, she emailed the forms within 5 minutes, I took them to the clients for signatures, faxed it in and they have their checks. I did this last thursday.

That's good service. I can update a person's DE card with an email. Or any banking change. They have good rates. Not as good as KSKJ so I don't use them much.

The commissions are never a concern to me, within reason of course. KSKJ is the lowest commission company I have. But it's the most written by me. A policy issued at 100% commission is worth far more than a 125%not issued or only on the books a few months.

 

[PhxSunsFan]

kskj is always the lowest... but some telesales companies are only 1- 2 dollars more..per month... i use those

 

[jdeasy]

kskj is always the lowest... but some telesales companies are only 1- 2 dollars more..per month... i use those

KSKJ is not always the lowest. But there is no telesales company just $1 or 2 more than KSKJ select.

 

[noah]

There's no reason to call for risk assessments on FE. It's accept/reject. I might call on a fully underwritten special case but never on FE.

I use Trinity/FBL a little. They answer the phones. I have a couple Trinity policy holders that wanted to borrow. I called them, they answered, I told the lady what I needed, she emailed the forms within 5 minutes, I took them to the clients for signatures, faxed it in and they have their checks. I did this last thursday.

That's good service. I can update a person's DE card with an email. Or any banking change. They have good rates. Not as good as KSKJ so I don't use them much.

The commissions are never a concern to me, within reason of course. KSKJ is the lowest commission company I have. But it's the most written by me. A policy issued at 100% commission is worth far more than a 125%not issued or only on the books a few months.

That's good service.

You need a signature/form to update cards/banking via email?

Trinity wants 20% max DE business too,right ?

Do they have true SS billing ?

What about Sons of Norway? Their premiums on GI are extremely low and have become a favorite on this forum. The contract only pays 50%. We know you write very little if any GI. Are you writing them ? What's your take on them ?

Would you advise agents to pick them up ?

 

[jdeasy]

That's good service.

You need a signature/form to update cards/banking via email?

Trinity wants 20% max DE business too,right ?

Do they have true SS billing ?

What about Sons of Norway? Their premiums on GI are extremely low and have become a favorite on this forum. The contract only pays 50%. We know you write very little if any GI. Are you writing them ? What's your take on them ?

Would you advise agents to pick them up ?

Trinity will update any banking info including DE with an email from the agent. The client doesn't have to sign anything. I'm not sure what Trinity's max on DE business. I've heard the 20% but it seems to be a fluid number. The agents that write a good voume with Trinity they never say anything to about the DE volume. The agents that only use them for a niche company will hear from Alvin. They do have true SS billing. For years it was only them and Trans that did.

I don't know much about SoN. There are not in Ky. If they were and their rates are better than PM or mofo I would write it.

 

[DonP]

As JD said Trinity will update de cards with email from agent and no form . Trinity very fast at notifying you of nsf's . They pay 5 % less for de business .You look around you can get higher than 110% with them . It's up to the agent to do the shopping . They took away the insulin and neuropathy . On the phone interview they can be pia digging into meds . As far as am am goes . I call them a few times a week and I've never had to wait over 5 mins . Best E-App in business as it shows all meds of concern . Why do an assessment. Fill out app and you'll know in 5 mins .

 

[jdeasy]

As JD said Trinity will update de cards with email from agent and no form . Trinity very fast at notifying you of nsf's . They pay 5 % less for de business .You look around you can get higher than 110% with them . It's up to the agent to do the shopping . They took away the insulin and neuropathy . On the phone interview they can be pia digging into meds . As far as am am goes . I call them a few times a week and I've never had to wait over 5 mins . Best E-App in business as it shows all meds of concern . Why do an assessment. Fill out app and you'll know in 5 mins .

As JD said Trinity will update de cards with email from agent and no form . Trinity very fast at notifying you of nsf's . They pay 5 % less for de business .You look around you can get higher than 110% with them . It's up to the agent to do the shopping . They took away the insulin and neuropathy . On the phone interview they can be pia digging into meds . As far as am am goes . I call them a few times a week and I've never had to wait over 5 mins . Best E-App in business as it shows all meds of concern . Why do an assessment. Fill out app and you'll know in 5 mins .

I forgot about the commission cut on DE business. That's new. I guess it started Jan 1?

 

[DonP]

I think nov 15 th when they came out with new app.Their very strict on the 20% de max . You'll get an email if you go over it .

 

[noah]

I've heard the Trinity phone interview is a real pain ? We don't have them at Todd's shop.
I don't want anyone from any company bitching at me(Alvin).
What about inhalers ?
Are you guys still using Trans ?
I Wrote 3 DE policies this week. One was the 18 year old daughter of a DE policy holder written with Trans in 2016.
The 18 year old is on disability ((learning disability) and has chronic asthma issued standard non tobacco within 24 hours of submitting the E App.
I like DE because many agents will walk from it,they want the advance,and many companies don't take it. I'm as earned with them so I don't care.Just wish Trans updated the card the way Trinity handles it.

 

[PhxSunsFan]

the trinity phone app is a breeze.. you send or sow the documents they require nad they are very quick.. always the best rates.. a win win..