Servicing Health Clients

[Franz Kafka]

Hello everyone. I'm a second year agent and have only sold Life Insurance until recently when I decided to sell Individual Health also. People I have talked to have all told me that Health is "service-intensive". Can anyone be kind enough to give me some examples of services I should expect to provide? Thanks. (also the kinds of servicing involved with group health)

 

[somarco]

Some days are easy, some are not.

In the last week I have . . .

Appealed 3 underwriting offers and won on 2 of them.

Spent an hour on the phone getting two different policies issued ahead of schedule and faxed to the client.

Reviewed 6 months of EOB's for a client and started an appeal process for claims that were improperly adjudicated.

Got a policy reinstated.

Spent over an hour on the phone going over plans with a referral.

Did 8 underwriting prescreen's.

Run numerous proposals for clients who have renewals coming up.


Of course some agents never bother to deal with clients once they are sold, so they never have service issues.

 

[Franz Kafka]

Some days are easy, some are not.

In the last week I have . . .

Appealed 3 underwriting offers and won on 2 of them.

Spent an hour on the phone getting two different policies issued ahead of schedule and faxed to the client.

Reviewed 6 months of EOB's for a client and started an appeal process for claims that were improperly adjudicated.

Got a policy reinstated.

Spent over an hour on the phone going over plans with a referral.

Did 8 underwriting prescreen's.

Run numerous proposals for clients who have renewals coming up.


Of course some agents never bother to deal with clients once they are sold, so they never have service issues.

Thanks for sharing Somarco. My current goal is building 100 individual health clientele along with my other businesses. Do you think the number would be reasonable for me to handle? I understand there are a lot of variables.

 

[InsuranceBenefitsGroup]

2 a week? Certainly. The variables are understanding what "will fly" in underwriting and what won't. The rest is knowing your product and listening to your client.

 

[arnguy]

Welcome aboard. BTW, I really enjoy reading our books!

 

[taterpeeler]

Smoarco hit the nail on the head.... but u forgot about posting on this forum?

A few things I do different is assist the clients with the cancelation of prior coverage when new policy is approved and the application process for new clients some of which are done via web conference. But of course that would be the sales aspect of the biz

 

[somarco]

Gee Charlie, have I been banned again?

Service work is part of the deal, at least it is with me. Some days I spend so much time helping existing and prospective clients I don't have time to sell. But as indicated in another post, it all comes back to me in other ways.

 

[taterpeeler]

Hell, I didnt ban u... I loooove u!!!!!!

 

[somarco]

Careful Charlie. Chumps might get jealous.

 

[Franz Kafka]

Thanks guys so much for sharing. Most of my businesses are from LI and annuity and I thought adding Health would be a good idea (considering the renewals and no cut from the agency).

What kind of help could I offer in canceling the old coverage? (I thought the client could just call and say 'Please cancel my policy and refund any premium')

Thanks for enjoying my books (short stories really)!