Telesales Signature Process

[PhxSunsFan]

So far.. Aetna accendo seems to be the easiest to use.. when it comes time for the signature process.. you can answer one of their security questions and that is all that is needed.. The issue with accendo is they seem to deny more than a carrier like snl
are there any carriers out there that will accept just an answer to a sec question as sufficient to warrant the app signed with nothing else required??( no email.. no signing by email.. or text etc. )

 

[Baseball7]

No, but I would say Senior life would be an option. Between super prefer it all the way down to guaranteed issue there’s going to be some type of option.

 

[DonP]

Am Am getting squirrely on underwriting now. Getting more denied and rop . How’s Gcu’s E-App underwriting? Have they fixed their drafting issues ? Honestly with harder cases and dual drugs a 3 way with Trinity to explain the best . Overall Rna seems the most aggressive for preferred now but rates high under 63-65 yrs old .

 

[theinsuranceman]

So far.. Aetna accendo seems to be the easiest to use.. when it comes time for the signature process.. you can answer one of their security questions and that is all that is needed.. The issue with accendo is they seem to deny more than a carrier like snl
are there any carriers out there that will accept just an answer to a sec question as sufficient to warrant the app signed with nothing else required??( no email.. no signing by email.. or text etc. )

Are you saying there is no recording with the proposed insured answering health questions, etc.? If so, the proposed insured could be on oxygen, have hiv, cancer, had triple bypass yesterday and is still in the hospital, on dialysis, etc., you could check all the health questions "no", simply have the proposed insured answer a security question, and the policy could be issued super preferred?

Or may be the MIB, RX check picks up those things?

 

[DonP]

Com’on Greg even though your with one company with rose colored glasses you read enough to know the underwriting of CO’s.When you do an E-App theres no recording . Accendo cvs doesn’t even require a sig just your favorite color . 98% chance they pick up cancer, hiv , copd with rx . Won’t pick up oxygen or in the hospital

 

[theinsuranceman]

Com’on Greg even though your with one company with rose colored glasses you read enough to know the underwriting of CO’s.When you do an E-App theres no recording . Accendo cvs doesn’t even require a sig just your favorite color . 98% chance they pick up cancer, hiv , copd with rx . Won’t pick up oxygen or in the hospital

You made my point beautifully, thanks.

 

[PhxSunsFan]

aetna.. no more favorite color.. now what city were you born in... and a few others

 

[rousemark]

Are you saying there is no recording with the proposed insured answering health questions, etc.? If so, the proposed insured could be on oxygen, have hiv, cancer, had triple bypass yesterday and is still in the hospital, on dialysis, etc., you could check all the health questions "no", simply have the proposed insured answer a security question, and the policy could be issued super preferred?

Or may be the MIB, RX check picks up those things?

Greg, there is no recording with the insured. But even with a recording they could do all the things you say. However, Accendo does do a Script Check and an MIB check so that would eliminate a lot of those that would lie on the app.

 

[theinsuranceman]

Greg, there is no recording with the insured. But even with a recording they could do all the things you say. However, Accendo does do a Script Check and an MIB check so that would eliminate a lot of those that would lie on the app.

Yep, that's what I thought.

 

[myinsurebiz]

No, but I would say Senior life would be an option. Between super prefer it all the way down to guaranteed issue there’s going to be some type of option.

Senior Life would be awesome to sell - but, their Agent Contract is evil.

God help you if you build strong for 5 years and then don't write a policy within a 3 or 4 month period.

Even worse, build a team and then leave, your Charge Back Demand Letter will make you cry.