When a Lead is Wheelchair Bound

[bboman23]

Just to add on to what Hoosier said, if you feel like you have found a company that might accept w/e health condition is hard to cover. You can always do a risk assessment with the company, the worst that will happen is they will say no. Then you can just move on to the next company.

I don't agree with this. If I'm holding an app that doesn't mention wheelchair, I will do the phone interview and they won't ask the client about the wheelchair. We are supposed to ask the questions just like they are on the application. If the client says NO to them, I am moving forward.

 

[Matthew King]

I don't agree with this. If I'm holding an app that doesn't mention wheelchair, I will do the phone interview and they won't ask the client about the wheelchair. We are supposed to ask the questions just like they are on the application. If the client says NO to them, I am moving forward.

For further clarification, I was talking about an app that had a question about wheelchairs but could still be approved because of how the question is. Like Hoosier mentioned, not an app that clearly didn't have it on it

 

[bboman23]

For further clarification, I was talking about an app that had a question about wheelchairs but could still be approved because of how the question is. Like Hoosier mentioned, not an app that clearly didn't have it on it

Makes more sense now. But still no need in calling usually.

Are you confined to a wheelchair due to chronic disease or illness? "Mary, why are you in a wheelchair?" "I fell out of a tree and broke my back."

Ok we can answer that question NO.

"I am in a wheelchair because I had amputations..."

Then pick a company that either doesn't ask at all about wheelchair or go a graded/GI route.

But I'm not knocking your approach. Some companies have great customer service and answer quickly. In those scenarios, it is ok to call I guess. I just don't waste time during the health process since you don't even know if they are buying yet. You haven't even quoted them.

 

[jdeasy]

For further clarification, I was talking about an app that had a question about wheelchairs but could still be approved because of how the question is. Like Hoosier mentioned, not an app that clearly didn't have it on it

The last thing you want to do is call the company.

 

[billyb]

Will anyone accept MS and confined to a wheelchair? I can't find a company who will.

 

[SPUR CITY]

Will anyone accept MS and confined to a wheelchair? I can't find a company who will.

American Home Life

 

[Gooner]

Makes more sense now. But still no need in calling usually.

Are you confined to a wheelchair due to chronic disease or illness? "Mary, why are you in a wheelchair?" "I fell out of a tree and broke my back."

Ok we can answer that question NO.

"I am in a wheelchair because I had amputations..."

Then pick a company that either doesn't ask at all about wheelchair or go a graded/GI route.

But I'm not knocking your approach. Some companies have great customer service and answer quickly. In those scenarios, it is ok to call I guess. I just don't waste time during the health process since you don't even know if they are buying yet. You haven't even quoted them.

Yeah, but then of they die in 2 years you could be looking at a chargeback if you didn't read the agent guide....happens all the time....the application doesn't tell the whole tale...unless of course your just looking for apps approved, not apps 'paid at death'.

 

[Matthew King]

Makes more sense now. But still no need in calling usually.

Are you confined to a wheelchair due to chronic disease or illness? "Mary, why are you in a wheelchair?" "I fell out of a tree and broke my back."

Ok we can answer that question NO.

"I am in a wheelchair because I had amputations..."

Then pick a company that either doesn't ask at all about wheelchair or go a graded/GI route.

But I'm not knocking your approach. Some companies have great customer service and answer quickly. In those scenarios, it is ok to call I guess. I just don't waste time during the health process since you don't even know if they are buying yet. You haven't even quoted them.

No offense taken man, there are many different approaches on here. That's the point of the forum. Take all the approaches and make your own.

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The last thing you want to do is call the company.

Never said it was the first thing to do

 

[PA Bill]

No offense taken man, there are many different approaches on here. That's the point of the forum. Take all the approaches and make your own.

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Never said it was the first thing to do

The way things are going, calling the "Business Prevention Department" first may become a requirement.

 

[nfl72]

The longer I am in this business the more I feel that busting your butt to try and get someone bought preferred is often times the wrong thing to do.

I am starting to use just 2 or three companies the vast majority of time. As of late I have been using SNL, KSKJ and Gerbers. Most FE clients don't even know the difference between level, graded and GI. I always tell them what they are getting and why, and then move on to the next one.

Yes you might get replaced; but you also will have more time to write new business.