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How do you handle new Med Supp clients in advance you know may never be able to switch plans again due to health conditions or prescription drug history (in most states)?
I always tell them I will shop their rates every year and will try to move them, if t makes sense. But I also let them know there are height/weight charts, can't move if they have any pending tests, surgeries, etc. Also every carrier looks back differently on cancer, stroke, heart attacks, etc.
But what if a client has something like Multiple Sclerosis? And recently I had an appointment (who I didn't sell to, as she had bought from another agent the day before) who will be taking opiods for the rest of her life.
I always tell them I will shop their rates every year and will try to move them, if t makes sense. But I also let them know there are height/weight charts, can't move if they have any pending tests, surgeries, etc. Also every carrier looks back differently on cancer, stroke, heart attacks, etc.
But what if a client has something like Multiple Sclerosis? And recently I had an appointment (who I didn't sell to, as she had bought from another agent the day before) who will be taking opiods for the rest of her life.