TransAmerica Update

[NSRH]

Is that what you tell the people who can't qualify when they call in begging for your insurance?

I give them MOOs phone number.

 

[goillini52]

I give them MOOs phone number.

Did you learn that from JD?

 

[DayTimer]

GI?

Don't they issue most of their cases graded anyway? I've replaced two AmAm graded DB's in the last week.

 

[Baseball7]

Why were they issued graded

 

[ZackMorris]

Heads up, the eapp is as bad as the MoO one. Not really a reason to do one if it's going to take 30 minutes to get it done.

 

[Baseball7]

How about more details? I did about 75% of one yesterday morning just to try it didn't see any crazy issues besides length.

 

[ZackMorris]

No details. It's just the same platform that MoO uses which is entirely way too slow. There's more time spent waiting for the pages to load than there is spent filling things out. I did an MoO e-app last week that took almost 30 minutes start to finish. I'm not likely to do one again as I could have finished the paper app and completed the apptical interview in less time.

With no PHI for Trans and the fact that it's still not going to spit out instant approval, I feel like I'd be wasting time sitting through that.

This is also coming from someone who used Transamerica as my go to carrier this year.

 

[DayTimer]

Why were they issued graded

Are you asking me? I have no idea why American Amicable issued them graded. I don't have American amicable myself, so I have no idea how they underwrite their product.

 

[Baseball7]

Figured you looked at the application and saw why.

 

[DayTimer]

Figured you looked at the application and saw why.

Judging by the way the questions were answered on the applications both should have been issued level. Neither was issued as applied for and neither client realized they had a three year graded death benefit. One was sold by a guy who has been in our area for many years and has had his license suspended three times in his career and he is currently in year 4 of a 5 year supervisory period. The other was sold by a telesales organization.

Since I do not have Am Am I did not have enough curiosity to figure out why they issued them graded. Neither of these guys were particularly healthy, and I ended up using RNA and Aetna to get them level.