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I finally got into the door of a lead we've been working the past 4 months around 6 weeks ago.
Upon meeting the prospect and doing some fact-finding, I discovered she had a policy on herself and her husband (he was at work) through a fairly common final expense company I and other agents occasionally will sell.
Reviewing her husband's policy, I reviewed the copy of the application and found the agent checked "No" to the tobacco question, which the wife claimed vociferously that she told the agent he smokes non-stop.
Anybody catch that?
I asked her to clarify what she meant by "she told the agent"; apparently, the agent asked her to sign his name for him since he was at work, and to sign off on her daughter's name as the payor, as she lived an hour south.
Naturally, I made my stand and informed her how the company requires the agent to be present to issue the policy, and how the agent wrongfully advised her to sign off for her husband.
I was able to replace his policy through Lafayette, and advise my client to call Customer Service and escalate a complaint regarding how the agent misguided the applicants, so as to request a refund.
Fast forward to today; the applicant is sending a notarized copy of his signature and the payor's signature to said company with the ultimate goal of refunding around 6 months worth of premiums paid in, and to successfully terminate this agent.
The agent in an obvious act of desperation accused my client of both lying, saying that he in fact met with him, as well as accusing him of insurance fraud.
Moral of the Story -- Follow the rules, and don't *&@# with my future clients. (And always review existing coverage!)
Upon meeting the prospect and doing some fact-finding, I discovered she had a policy on herself and her husband (he was at work) through a fairly common final expense company I and other agents occasionally will sell.
Reviewing her husband's policy, I reviewed the copy of the application and found the agent checked "No" to the tobacco question, which the wife claimed vociferously that she told the agent he smokes non-stop.
Anybody catch that?
I asked her to clarify what she meant by "she told the agent"; apparently, the agent asked her to sign his name for him since he was at work, and to sign off on her daughter's name as the payor, as she lived an hour south.
Naturally, I made my stand and informed her how the company requires the agent to be present to issue the policy, and how the agent wrongfully advised her to sign off for her husband.
I was able to replace his policy through Lafayette, and advise my client to call Customer Service and escalate a complaint regarding how the agent misguided the applicants, so as to request a refund.
Fast forward to today; the applicant is sending a notarized copy of his signature and the payor's signature to said company with the ultimate goal of refunding around 6 months worth of premiums paid in, and to successfully terminate this agent.
The agent in an obvious act of desperation accused my client of both lying, saying that he in fact met with him, as well as accusing him of insurance fraud.
Moral of the Story -- Follow the rules, and don't *&@# with my future clients. (And always review existing coverage!)