Ya Gotta Love Referrals

Discussion in 'General Insurance Agent Discussions' started by moonlightandmargaritas, Sep 27, 2006.

  1. moonlightandmargaritas
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    moonlightandmargaritas Guru

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    Just got off the phone with a woman. "I heard you might be able to help me with health insurance..."

    She's kicked off SSI (inherited some money) as of 10/1. 5'3", 180# smoker. High blood pressure and pain meds for a hip replacement. Some unknown problem with her insides that has her doubled over in pain. Tests, but no diagosis for it yet.

    Whaddaya think? Preferred?
     
  2. MIBizInsurance
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    MIBizInsurance Guru

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    What will her premium most likely be?
     
  3. somarco
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    somarco Guru

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    Preferred, yes.

    You would have PREFERRED she call someone else . . .

    As for her premium, somewhere north of what she is paying now.
     
  4. MIBizInsurance
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    MIBizInsurance Guru

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    Just wondering, as would think it would be painful to look at.
     
  5. Michael Haislip
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    Michael Haislip Expert

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    Personally, I always enjoy the conversations with 300-pound women with diabetes who get angry when I can't get them a policy.
     
  6. midwestbroker
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    midwestbroker Guru

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    I love those conversations as well.

    I get the people on disability waiting for Medicare to kick in after 2 years, but the always seem to have 1 year to go. I cannot get coverage, what if I get sick, what if I have an accident...

    The question that shoots them down time and time again (and I use it cautiously) is:

    What are you doing to stay healthy? They put down the double stuffed Oreo and 99oz Coke and look at you with this blank stare. Kodak moment!
     
  7. insurebob
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    insurebob Expert

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    The more beligerent they are, the more they have to hide.

    The woman who told me that she could guarantee the insurance company
    that her Osteo is under control, and won't get worse before she is 65...
    "Why can't they cover that?"

    The man who takes Cumadin and Metformin
    Who tells me he is going to stop taking the meds
    Then, he believes, he will be insurable in two years

    The man who told me he was diagnosed with Diabetes three years ago
    His doctor told him last month he no longer has Diabetes
    When I asked to see it in writing, he said "It was a casual conversation."

    The woman who got upset with me when I asked if she had had any
    surgeries in the past 5 yrs.
    Her response was, "What business is it of theirs if I've had surgery in
    the past?"

    Any others?
     
  8. insur432
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    insur432 New Member

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    YES - Preferred! i think so
     
  9. Guest
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    Guest Guest

    I had a guy declined for health once, turned out, he felt it wasnt very important to inform me of his heart transplant and like 12 medications he was taking......

    oh ya, the transplant was only 14 months previous.

    Is it rude to just hang up on people? LOL
     
  10. Mattschmidt
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    Mattschmidt Guru

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    I spoke with a lady yesterday who's husband was in great health, and doesn't smoke...That was until he quit last friday, as he went into the hospital and had a stent placement...Gotta love the clueless idiots out there
     
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