Questions After Day 1 in Field

[HoosierLife]

So day #1 in the field and I did 2 apps for $684 in AP. I know kinda low average but Im happy with it for first day.

Ok so whats the deal with depression meds? I did 5 presentations today. And half of them are on depression meds. None of them are on knockout lists that I can see and I dont see any questions asking about depression on the apps. But I thought I remember you guys talking about how people were rated/declined cause of depression meds??

If there's no bank account, can somebody else be the payor if they have a bank account?

RNA has a place for the addresses and Social Sec #s for the beneficiaries. Are these required?

Is AmAm's ROP a true GI? Like as long as they dont answer yes to 1-3 will they get approved no matter what?

 

[TwiLight]

So day #1 in the field and I did 2 apps for $684 in AP. I know kinda low average but Im happy with it for first day.

Are you kidding me. Batting .400 on your first day.

Great average for the first time out.

I would have you replace Prince Fielder behind Cabrera in the Tigers Lineup with that average.

Great Job.

 

[jdeasy]

So day #1 in the field and I did 2 apps for $684 in AP. I know kinda low average but Im happy with it for first day.

Ok so whats the deal with depression meds? I did 5 presentations today. And half of them are on depression meds. None of them are on knockout lists that I can see and I dont see any questions asking about depression on the apps. But I thought I remember you guys talking about how people were rated/declined cause of depression meds??

If there's no bank account, can somebody else be the payor if they have a bank account?

RNA has a place for the addresses and Social Sec #s for the beneficiaries. Are these required?

Is AmAm's ROP a true GI? Like as long as they dont answer yes to 1-3 will they get approved no matter what?

Good job. As for the bank account, most companies will allow someone else to be the payor.

Just the name and relation and % of payout for RNA.

AmAm is not a true GI because they knockout questions. Nor are they well priced. Not much reason to use AmAm for the FE agent. In fact, I can't think of one.

I forgot to address the depression thing. Yes, it seems that more and more people are being over prescribed meds for ADD, ADHD, depression, etc. I just wrote an RNA today where the lady took at least 4 different "nerve" meds in addition to her blood pressure and other meds. She was approved on the phone interview.

 

[Agentguy5]

Depression meds are common and I usually put my depression folks with Monumental so I can give em Standard...

Yes, someone else can be the payor...

RNA will take the app without the SS# but you should atleast put an address and phone number if you can...

AMAM is like it says, No to the 3 questions and they are approved... A TRUE GI asks NO questions!

there is nothing wrong with the $684 in AP you sold, good job..

 

[rousemark]

Best reason to get address (and phone #) of beneficiaries is they become automatic "referrals" or at least "suspects"..

 

[HoosierLife]

The low average I was referring to was the AP per month. Shooting to average $600 AP per app not 600 between 2 apps.

And I dont think I have a true GI.

Ive got a lady:

72
3 TIAs
Zomig for seisure/migraines...??? Thats what she said.
Prozac
Prevacet
Gabbapentin-Arthritis
Toporol- TIA and Afib
Requip- Restless legs
Kidney Cancer 3 years ago. Kidney removed no metastasis.

Sounds GI to me.

Her husband just bought an AARP term 14K for $61/mo and knows it will go up to $128 next year and knows it will cancel at 80 unless he converts.

He had colon cancer 3 years ago. He's monu standard, but the rates are nowhere close to AARPs. Maybe next year after he's 4 years from cancer I can sign him, but I dont know.

 

[jdeasy]

The low average I was referring to was the AP per month. Shooting to average $600 AP per app not 600 between 2 apps.

And I dont think I have a true GI.

Ive got a lady:

72
3 TIAs
Zomig for seisure/migraines...??? Thats what she said.
Prozac
Prevacet
Gabbapentin-Arthritis
Toporol- TIA and Afib
Requip- Restless legs
Kidney Cancer 3 years ago. Kidney removed no metastasis.

Sounds GI to me.

Her husband just bought an AARP term 14K for $61/mo and knows it will go up to $128 next year and knows it will cancel at 80 unless he converts.

He had colon cancer 3 years ago. He's monu standard, but the rates are nowhere close to AARPs. Maybe next year after he's 4 years from cancer I can sign him, but I dont know.

The lady, how long since last TIA? That's the only issue I see with her.

On the male, why not just use a company that asks 2 years on cancer?

 

[Agentguy5]

Best reason to get address (and phone #) of beneficiaries is they become automatic "referrals" or at least "suspects"..

Yeah man, it's good to notify the bennie, with the clients permission of course....

 

[jdeasy]

Yeah man, it's good to notify the bennie, with the clients permission of course....

Not always such a good thing in this market. Many times they make the kids the beneficiaries without their knowledge for a reason. When you contact the kids they didn't know and then they go see what's up and can interfere with the deal.

I've the kids mess up more than one deal after the fact.

 

[HoosierLife]

The lady, how long since last TIA? That's the only issue I see with her.

On the male, why not just use a company that asks 2 years on cancer?

The last TIA was within the last year.

I have monu, RNA, Americo, Assurity, Forethought and AmAm. Any of those guys only have 2 years on cancer?