Cholesterol and Diabetic Type II

KCinsuranceguy · 02-10-2009, 08:44 AM

I have a woman who is taking generic medication for both cholesterol and type II diabetes in her mid 50's, non smoker. Both are maintained under control with the medication but....

Aetna will decline; any suggestions

Markingriffin · 02-10-2009, 10:01 AM

I can't help you with Health Insurance, but I know of a ton of companies that can give you client life insurance.

moonlightandmargaritas · 02-10-2009, 10:04 AM

Originally Posted by KCinsuranceguy

I have a woman who is taking generic medication for both cholesterol and type II diabetes in her mid 50's, non smoker.

Where are you finding this motley collection of uninsurables?

Lemme guess...cold phone calling?

loudee · 02-10-2009, 10:55 AM

Originally Posted by KCinsuranceguy

I have a woman who is taking generic medication for both cholesterol and type II diabetes in her mid 50's, non smoker. Both are maintained under control with the medication but....

Aetna will decline; any suggestions

If it's a lead you paid for I'd return it and ask for credit. Don't waste your time chasing a phantom deal.

moonlightandmargaritas · 02-10-2009, 11:00 AM

Originally Posted by loudee

If it's a lead you paid for I'd return it and ask for credit.

IF you've got a filter for major medical conditions. If NOT, the lead company delivered what they were paid for...

loudee · 02-10-2009, 11:14 AM

Originally Posted by moonlightandmargaritas

IF you've got a filter for major medical conditions. If NOT, the lead company delivered what they were paid for...

I received credit on many leads that were uninsurable even though the client did not submit the information on the quote form.

Lou

moonlightandmargaritas · 02-10-2009, 11:39 AM

Originally Posted by loudee

I received credit on many leads that were uninsurable even though the client did not submit the information on the quote form.

How has it affected your ROI?

loudee · 02-10-2009, 12:08 PM

Originally Posted by moonlightandmargaritas

How has it affected your ROI?

ROI is higher

moonlightandmargaritas · 02-10-2009, 12:10 PM

Originally Posted by loudee

ROI is higher

Can you give us some specifics?

loudee · 02-10-2009, 12:28 PM

Originally Posted by moonlightandmargaritas

Can you give us some specifics?

Lead cost is lower

moonlightandmargaritas · 02-10-2009, 12:31 PM

Originally Posted by loudee

Lead cost is lower

What sort of ROI are you enjoying? Who are the lead vendors that help you achieve the greatest ROI?

KCinsuranceguy · 02-10-2009, 12:36 PM

Originally Posted by moonlightandmargaritas

Where are you finding this motley collection of uninsurables?

Lemme guess...cold phone calling?

Lol, you guessed it. Its my main source of leads at this point. It been going pretty good so far but its only been a week.

I'm going to kill this one

loudee · 02-10-2009, 01:06 PM

Originally Posted by moonlightandmargaritas

What sort of ROI are you enjoying? Who are the lead vendors that help you achieve the greatest ROI?

Still learning but currently I'm selling 1 out of 15 shared leads at $8/lead. Getting appointed with most/all carriers in my state helped immensely. The best lead service I used was Leads4agents. ASAP is either hit or miss. I tried Hometown Quotes and Benepath but they don't let you pause your account which sucks.

moonlightandmargaritas · 02-10-2009, 01:43 PM

Originally Posted by loudee

Still learning but currently I'm selling 1 out of 15 shared leads at $8/lead. Getting appointed with most/all carriers in my state helped immensely. The best lead service I used was Leads4agents. ASAP is either hit or miss. I tried Hometown Quotes and Benepath but they don't let you pause your account which sucks.

You know Lou, an acquisition cost of $120 per client (1 out of 15 @ $8 a pop) is not all that bad.

I used HTQ in the past, they let me pause my account whenever I wanted to by just sending them an email?

somarco · 02-10-2009, 02:26 PM

I'm going to kill this one

That sounds like a terroristic threat. Homeland Security might be monitoring this forum.

loudee · 02-10-2009, 02:41 PM

Originally Posted by moonlightandmargaritas

You know Lou, an acquisition cost of $120 per client (1 out of 15 @ $8 a pop) is not all that bad.

I used HTQ in the past, they let me pause my account whenever I wanted to by just sending them an email?

Also with HTQ it seemed as though 70% of the leads came through either on the weekends, after 9pm or before 7am.

somarco · 02-10-2009, 05:42 PM

HTQ affiliates know how the game is played. They "boost" leads after hours, weekends, holidays and at the end of the month.

I used them for 3 yrs and had a very good ROI. Finally parted ways last fall over their increasingly stringent credit policy and lower quality leads.

moonlightandmargaritas · 02-10-2009, 05:47 PM

Originally Posted by somarco

Finally parted ways last fall over their increasingly stringent credit policy and lower quality leads.

somarco, are you saying D-I-V-O-R-C-E?

YouTube - D.I.V.O.R.C.E tammy wynette

liquidblue33 · 02-11-2009, 11:08 PM

Originally Posted by KCinsuranceguy

I have a woman who is taking generic medication for both cholesterol and type II diabetes in her mid 50's, non smoker. Both are maintained under control with the medication but....

Aetna will decline; any suggestions

Not sure what state your in, but i had a very similar case here in Florida. Did a pre-screen with Cigna and Aetna, 5K deductible HSA, Cigna came back with a 75% rate up, Aetna as you already know, would not consider.

somarco · 02-12-2009, 06:14 AM

Cigna considers diabetics?

Good to know if they ever come here. Aetna picked up my diabetic's and bipolar's and nothing else until they finally got serious about writing cases that are more than just a dumping ground.