Received a Flyer... what Company

[rousemark]

It was mailed from Work Smarter Insurance in Ohio. Just curious as to which company this is pushing. I am ecstatic with the people I work with.

They have a web site

Work Smarter Insurance

If you click on their join us page, they say they represent 5 Star, Forresters and UHL..

 

[Newby]

ARE YOU READY for a final expense carrier so vastly superior, so agent and client friendly, who's issuing business like crazy? This A-rated Final Expense carrier not only has some of the LOWEST RATES, HIGHEST COMMISSIONS, and QUICKEST, MOST LIBERAL UNDERWRITING but also:

-No prescription check
-Choice of PHI(instant decision)
-Agent paid on issue not draft date
-Policies issued in 48 hours
-10 month advance on ALL payment methods
-Generous Renewal Commissions
-Any day credit card and Social Security card draft
-Day 1 coverage without payment
-50% death claim paid to beneficiary within 24 hours
-5% production credit to agent as a lead credit
-Exclusive Lead Programs

Yes, that description is about 5-Star Life. No FE agent should ever be without them.

 

[SouthernComfort]

What I hate about flyers like this is I searched the co founder and he is an inactive agent since 2012 and not even listed as a ri on the department of insurance website.

 

[Mattschmidt]

Its usually 48hrs, not counting the day u fax it, to get it approved if PHI was done...sometimes 72hrs. If no PHI, then a 5 days.

I did one with phi and it wasn't approved for 4-5 business days.

 

[TDFnCali]

I did one with phi and it wasn't approved for 4-5 business days.

Well then u just suck Matt, lol!! Maybe dig can help u with that 1....mines are 2-3 days max if PHI was done.

 

[Jerard]

How do you get "day 1 coverage without payment"? This goes against the required "consideration" required for the contract to begin to cover the the risk. I've never seen any insurance company begin coverage without receiving the 1st premium.



Edit: When did 5-Star go with any day CC draft? I thought it was on the 15th of the month?

 

[Mattschmidt]

Well then u just suck Matt, lol!! Maybe dig can help u with that 1....mines are 2-3 days max if PHI was done.

That's hilarious! I was actually okay that it only took that long. Even Better if sometimes it takes 48 hours. I might have to try another application with a phi and on cover sheet say "Toby says get this approved today!"

 

[TDFnCali]

That's hilarious! I was actually okay that it only took that long. Even Better if sometimes it takes 48 hours. I might have to try another application with a phi and on cover sheet say "Toby says get this approved today!"

No, what you have to do is....put my agent # next yours!
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How do you get "day 1 coverage without payment"? This goes against the required "consideration" required for the contract to begin to cover the the risk. I've never seen any insurance company begin coverage without receiving the 1st premium.



Edit: When did 5-Star go with any day CC draft? I thought it was on the 15th of the month?

I was mystified on this too when I submitted my 1st app....I checked "no temp insurance" thinking it would cost extra or I'd at least have to collect the premium that day. I called & asked about it, and they said they offer 30days of insurance without any extra cost, nor does the payment have to be paid yet as long as you select YES!!

I just do it now, learned a long time ago.....why ask why?

 

[Jerard]

I was mystified on this too when I submitted my 1st app....I checked "no temp insurance" thinking it would cost extra or I'd at least have to collect the premium that day. I called & asked about it, and they said they offer 30days of insurance without any extra cost, nor does the payment have to be paid yet as long as you select YES!!

I just do it now, learned a long time ago.....why ask why?

OK....your apps are different than mine (FL). Mine have no "no temporary insurance" to check, or not check. The conditional receipt also says not to leave it if the 1st prem hasn't been paid.

Dang...would have been nice to offer 30 days free coverage. Fla sux...

 

[TDFnCali]

OK....your apps are different than mine (FL). Mine have no "no temporary insurance" to check, or not check. The conditional receipt also says not to leave it if the 1st prem hasn't been paid.

Dang...would have been nice to offer 30 days free coverage. Fla sux...

Well Florida does sux, but its not cuase of 5Star!