- Thread starter
- #11
Lainey
New Member
- 19
UW will send this info to him and/or his Dr. upon written request.
He said he would find out why and let me know but he also told me he would email me a copy of his paramed results several weeks ago and I haven't received them yet either. He's always on the go and I'm guessing I'm not too high on his list of priorities, especially now that he knows he was declined. lol
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Your positive attitude is refreshing. These things do suck! Maybe it will work to your benefit somehow in the long run. What carrier is the decline with? It isn't good obviously, but not the end of the line either. My biggest disappointment came from a case I worked on for a year and a half. $10M on a 71 that had been declined twice for prostate cancer. I got him approved placed with the annual premium and he free looked it with 2 days to go... The accountant shopped with my contract as leverage. Not only did I lose my commission I had to pay taxes as it was placed in December and free looked in Jan! I was devastated.
Wow! That's even worse. I would have been devastated too if it played out like that. Ouch! I was already a little nervous about having such a big premium paid so far in advance (he wanted to pay 5 years in advance, though I never even found out if it would be allowed). A charge back on something that big could be catastrophic!
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Never quit.
Keep searching for another carrier. (It would be extremely helpful first to know the precise reason for the decline.)
I contacted 12 carriers for a 71 YO female with Alzheimer's and living in an assisted care facility. I located 7 who carried the product I needed. I wasn't appointed with any of the carriers but split the case with an agent who was.
It wasn't as important to be appointed as it was to close the case with a policy as the owner of the policy is a very influential individual in a school district. Having access to that possibility of future business is the mountain.
I post a lot of stuff on my Pinterest page and some may help you stay positive. You can access that page via my website.
Keep going!
Thanks! I'm considering other options. I really need to find out why they declined him. Hopefully I can get that soon. I'll check out your pinterest page too.