- 5,947
Sun shine here, and spring is in the air... though it's still a bit chilly.
really poor IMO (Americo)
- Thread starter mudhound
- Start date
Sun shine here, and spring is in the air... though it's still a bit chilly.
- 5,947
I would second that , but also am aware that the emotiional side wants to screem bloody murder.. and that is why we have a forum... sometimes its just nice to talk to fellow folks in the biz... regular Joe's don't seem to get it. I like to refer to it as emotional puking!
- 6,134
An IMO is a dud because an agent is not contracted with a product that was not selected? In surancebay, the agent selects the products they want. Fixed Life, Term, Medicare Supplement, Cancer, Dental, etc. The contracting department processes what is selected. What if the agent ONLY wanted his life insurance with us but we decided to be greedy and just contract him for everything? What if his med sup was with an IMO that gave him free leads or something and all of a sudden that relationship is now gone because we "stole" him away.
We processed what was selected just like we always do. Also once made aware, I had this worked on INSTANTLY! No emails about it either, I had the contracting department on the phone getting this squared away immediately.
But I do agree, it is much easier to point blame.
We processed what was selected just like we always do. Also once made aware, I had this worked on INSTANTLY! No emails about it either, I had the contracting department on the phone getting this squared away immediately.
But I do agree, it is much easier to point blame.
- 1,912
I didnt realize you were the IMO! I dont think youre a dud. I was simply using that reference in general terms to deter the agent from casting any blame then on themself.
In other words, IF the IMO is a dud, its still the agents fault.
In this case, in particular, the IMO is NOT a dud, which still makes it the agents fault.
Agents should always take full responsibility of their business under any circumstance.
If I worked for you I would have punched you in the nose by now! You just seem to be hell bent on the agent taking the blame for something that he knew nothing about. You seem to be one of those control freaks that is never wrong, or at least never admits it. Did someone once teach you that the man in charge should never admit he's wrong because that shows weakness if he does? I've heard that before and can honestly say that is a load of crap and actually a pretty stupid thing to say (if that is what was said or what you believe).
A new agent doesn't know what they don't know. Research? How would they even know to research that? Do you really believe what you wrote here about it solely being the agent's fault? That doesn't even make common sense in the most remote way! Even some of the IMO's don't know everything. I really don't know of any IMO that knows everything either.
How about it's just a simple situation that wasn't communicated well and needs to be fixed?Not the agent's fault, not the IMO's fault, but just a situation that occurred.
- 6,134
And it was fixed the moment it was brought to my attention.
Just like I have agents sometimes get put as earned with AIG. They get pissed at us, but I can't even put an agent as earned with them (or so AIG told me). So how is that on me? We submit everyone for advance and then AIG drops the ball.
Sometimes it's the agents fault. Sometimes it's my fault. Sometimes it the Insurance carrier.
Just like I have agents sometimes get put as earned with AIG. They get pissed at us, but I can't even put an agent as earned with them (or so AIG told me). So how is that on me? We submit everyone for advance and then AIG drops the ball.
Sometimes it's the agents fault. Sometimes it's my fault. Sometimes it the Insurance carrier.
- 5,995
That sounds like an accurate description of the matter. I never thought this would turn into such a fiasco - that is my fault, as the discussion became unintentionally focused on fixing blame. I can't speak for the OP's case, but in my case, my IMO did take the matter seriously, gave it immediate attention, and everything should be squared away in another couple of days. The real take away here should be that different IMO's differ in their approaches to contracting, and this is something new agents need to be aware of so that he or shee will know to ask ahead of time so these situations become less likely to occur. I learned a few things as a result of this thread, so that is worth something, right?
... and that is why we have a forum... sometimes its just nice to talk to fellow folks in the biz... regular Joe's don't seem to get it. I like to refer to it as emotional puking!
If we can't talk about what frustrates us without it turning into insults and name calling, then the forum is right back where it was a couple of months ago.
- 30,590
Ben, you're a dud? Hakim said it, so it must be so.
Maybe you should invite Hakim to the Boom Boom Room so he won't call you a dud anymore.
- 26,179
My take away.
Yeah, IMOs should offer information. Hell, they do not even need to fill out or mail contracting anymore just send you a link and tell you to do it yourself. So yeah, Like a good agent informs and counsels their clients, IMO should inform and counsel their clients, Us.
That said, Chit happens. Sometimes it is going to be their screw up, sometimes it is going to be mine. I care that my calls or emails get answered and if something gets broke they try to fix it, soon.
If I were Daytimer I would have been frustrated also, it is his money. On the other hand it sounds like Ben jumped in and got to work fixing it. That should let Daytimer know he has a guy that is invested in him. That is a win.
Now, is a Fraternal FE policy real Whole Life?
Yeah, IMOs should offer information. Hell, they do not even need to fill out or mail contracting anymore just send you a link and tell you to do it yourself. So yeah, Like a good agent informs and counsels their clients, IMO should inform and counsel their clients, Us.
That said, Chit happens. Sometimes it is going to be their screw up, sometimes it is going to be mine. I care that my calls or emails get answered and if something gets broke they try to fix it, soon.
If I were Daytimer I would have been frustrated also, it is his money. On the other hand it sounds like Ben jumped in and got to work fixing it. That should let Daytimer know he has a guy that is invested in him. That is a win.
Now, is a Fraternal FE policy real Whole Life?
- 30,590
Are you stirring to an empty Forum?My take away.
Yeah, IMOs should offer information. Hell, they do not even need to fill out or mail contracting anymore just send you a link and tell you to do it yourself. So yeah, Like a good agent informs and counsels their clients, IMO should inform and counsel their clients, Us.
That said, Chit happens. Sometimes it is going to be their screw up, sometimes it is going to be mine. I care that my calls or emails get answered and if something gets broke they try to fix it, soon.
If I were Daytimer I would have been frustrated also, it is his money. On the other hand it sounds like Ben jumped in and got to work fixing it. That should let Daytimer know he has a guy that is invested in him. That is a win.
Now, is a Fraternal FE policy real Whole Life?
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