Taking App in a Care Facility
- Thread starter faith524
- Start date
- 1,311
In Florida, it's illegal to write a pre-need policy by going into or soliciting inside of a care facility (hospital, nursing home, or hospice.)
I'm not familiar with any prohibition, other than company-specific, on doing it for final expense plans. The folks that are near end, though, are going to require a G.I. plan if you have one that takes those with a terminal illness (in those specific cases) and the chargebacks for death in the first year likely wouldn't make it worthwhile.
Seems like the only thing that might benefit them IS a pre-need plan at that stage, but they can't be sold in there.
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That law seems more designed to protect insurance companies than seniors.
- Thread starter
- #5
I am not going into a care facility to solicit business, I have a husband that wants to take out a policy on his wife who is in a care facility, she is in good health but have alzheimer's.
- 1,311
Sad situation. The exception, in the Florida law, allows you to enter and write business when invited.
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- 26,127
Which company are you writing her?
Any carrier that doesn't do phone screens or check Rx or MIB is fair game. They're not going to know it anyway. If the person lives two years, you're home free, if not, you can always say that you mailed it. Just don't leave any business cards or copies of anything tieing you to the sale at that location. Don't screw up and sign in with your correct name like a dummy either.
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