Royal Neighbors Changes

[indiana260]

Companies that don't do a PHI seem safer than companies that call back when I'm not there.

Maybe its my experience level but I still get some declines during the PHI. I always do a trial run through the medical questions on the app so I can correct people who like to talk too much by reminding them to listen closely and answer only yes/no. The problem is no matter what some people are either too stupid, don't listen, don't comprehend, don't remember or lie when I ask and I don't want to lose that business because I wasn't there when it hit the fan.

I'm not in a place right now where I would trust being able to get back in front of someone after they get declined when I'm not there to save the case and change gears with a different carrier.

I like RNA but now I rank them slightly higher than MOO.

In the event a client gets declined or rated up after you leave. Never tell them over the phone. Just say I have to come back buy to get some more info or to straighten out an issue with your app. Then explain (in person) that there are two ways to handle this. 1 fight it or 2 we can get you approved with another company

 

[SPUR CITY]

Give me a run down of your easiest carriers to deal with.

I like to do PHI's because I like to KNOW while I'm in the house if my client was accepted, because if not, I want to write a diff carrier right then and there. There is NEVER a guarantee you will EVER see that person once you leave, no matter how nice they were to you the first time you were there.


1st place: Aetna= NO height/weight, NO MIB, NO RX check...easy to deal with app...easy PHI They do weekend PHI's. Good smoker rates.

Cons: Low commissions, no commish under 60, no lead credits




2nd place: Trinity= easy to deal with app and home office...fast PHI... 5% lead credit after 5k of business per month. Great N/S Rates. Good smoker rates. GREAT INCENTIVE TRIPS. Alvin is DA MAN!

Cons= Low Commissions, No weekend PHI's, not doing business in all states




After those two there is a LARGE GAP to the next tier for me...




Third place: Foresters= (I don't really have a problem with them, they are in the middle of the pack. Not the shortest, but not the longest PHI) they do weekend PHI's...tele-sales available. Good commissions.

Cons: Fraternal and agents know how to scare clients and replace them. Middle of the pack pricing.




Forth place: TRANS AM= LONG APP. No PHI

Pros: I've actually gotten 21 cases paid in a row with them and no calls to my clients and none of my preferred cases have been downgraded, so I've been liking them lately. Seem to take more beat up people as preferred than most.




Fifth place: SNL= I only write graded plans with them typically or when I'm out of town on road trips. They seem to knock too many preferred cases to graded for my liking and I don't like going back to deliver the bad news. NO PHI. Low commissions. RX guide needs to be easier to navigate! Not in all states.

Pros: can write all ages, lenient for graded plans with solid pricing on pref N/S and smokers, 10% lead credit after ONLY 1k OF BUSINESS.




Sixth place: Oxford= LONG APP (Sometimes ASK QUESTIONS THAT ARE NOT ON APP while probing for answers). LONG PHI.

Pros: GREAT rates and their rep JIM CODNEY is a heck of a fella!




DEAD-HEAT FOR DEAD LAST: Settlers AND RNA (Fugetaboutem)!!!

 

[peteybear]

I'm getting a crap load of mib hits with trans lately- "your client will be contacted" or your client can call Emsi .Im tiring of this. Am con is the only carrier you know when they do the app and they say the same thing to the interviewer that's what they get period. No mib or rx surprises .Im positive aetna's got a boatload of claims coming and will be changing soon. As spur city says trans takes a lot of cases few do especially taking blood thinner over 2 yrs and gabepentin for neuropathy .

 

[Rearden]

I'm getting a crap load of mib hits with trans lately- "your client will be contacted" or your client can call Emsi .Im tiring of this. Am con is the only carrier you know when they do the app and they say the same thing to the interviewer that's what they get period. No mib or rx surprises .Im positive aetna's got a boatload of claims coming and will be changing soon. As spur city says trans takes a lot of cases few do especially taking blood thinner over 2 yrs and gabepentin for neuropathy .

I'm done with them.

They've been such a hassle over the past six months for me personally.

If you have 10+ carriers, you can fill their niches 95% of the time.

I plan on picking up Liberty Bankers to fit the COPD niche.

United Heritage can fill in a lot of Transamerica niches (blood thinner over two years, gabapentin/neuropathy over two years).

 

[peteybear]

I put many people with trans for obvious reasons . But one of the main reasons is no pos. many people I write are incapable of dong phone interview as they're super slow comprehending.Rearden do you do De business ?Does uh do De?

 

[GAInsuranceGal]

I like to do PHI's because I like to KNOW while I'm in the house if my client was accepted, because if not, I want to write a diff carrier right then and there. There is NEVER a guarantee you will EVER see that person once you leave, no matter how nice they were to you the first time you were there.


1st place: Aetna= NO height/weight, NO MIB, NO RX check...easy to deal with app...easy PHI They do weekend PHI's. Good smoker rates.

Cons: <b>Low commissions</b>, no commish under 60, no lead credits

2nd place: Trinity= easy to deal with app and home office...fast PHI... 5% lead credit after 5k of business per month. Great N/S Rates. Good smoker rates. GREAT INCENTIVE TRIPS. Alvin is DA MAN!

Cons= <b>Low Commissions</b>, No weekend PHI's, not doing business in all states.

What do you consider low commissions? Us agents getting less than 100% might not think it's low.

 

[SPUR CITY]

What do you consider low commissions? Us agents getting less than 100% might not think it's low.

I meant LOWER than most other carriers*

Sorry for the confusion

 

[rousemark]

What do you consider low commissions? Us agents getting less than 100% might not think it's low.

Unless you are captive and your IMO/MGA is providing value in lieu of comission, why are you getting less than 100%?

 

[HoosierLife]

I'm done with them. They've been such a hassle over the past six months for me personally. If you have 10+ carriers, you can fill their niches 95% of the time. I plan on picking up Liberty Bankers to fit the COPD niche. United Heritage can fill in a lot of Transamerica niches (blood thinner over two years, gabapentin/neuropathy over two years).

How does LBL take COPD? Preferred if not smoking? Never looked at them.

 

[summerof18]

RNA is slamming me with emails about the new voice app. Latest email just got few minutes ago is stating they have acknowledged the agent feedback and are working on reducing their script to reduce interview time. We shall see how much they reduce it by lol.

Amber