Originally Posted by SammyJ
Jd you run into a 82 yr old smoker were the premiums are more than the policy face in 3 1/2 yrs what do you do? 83 yr old in great health but the premium is unaffordable for somebody on a fixed income. 81 yr old has policy 10 yrs old with fat cash in it and the person's in so-so health. If you do any replacing on somebody over 80 i'd definitely have the kids involved if they're close.Thats a Doi complaint ready to happen.I'm very cautious with seniors over age 80.
Whenever I replace it's in the best interest of the client. No matter the age.
I can't imagine that's a DOI complaint. But I don't worry about stuff like that. I've only had one DOI complaint ever in my career and it was by a replaced jealous agent. And that was pretty much the reply that the DOI gave that agent.
As for what I would do? I don't know. I work from leads and I set appointments. That 82 year old smoker sent in a reply card and then set an appointment with me. I'm finding out WHY? when I get there.
And I don't decide affordability for anyone. That's their decision. Many times those grand parents' WHY is they wanted insurance on the grand kids. Did one of those yesterday.
As far as leads are concerned, I'm not a complainer. I don't even know what my filters are or if I even have filters. Newby could tell you if you want to know. He will also tell you that I never mention anything about leads. If they run short a week or two I don't say anything. The folks at EFES, Chase or Ryan, will say the same thing. Early in my career I did concern myself with the wording on the lead card. Now I don't care about that either.
There's a little bit to worry about in this business. The leads aren't one of things for me. As long as I have them, that is. No leads and I would be complaining.