I agree with Somarco. I have only written LTC
with Genworth. Never had any problems with them. I have a wonderful FMO
that I work with, and they keep the lines of communication open at all times, so that I know what to expect and when.
With Life and LTC
, I tell my clients that it can take as long as 3 months, and with health, it can take as long as two.
You have to remind your clients/prospects that there are many factors involved:
1. Getting APS's - which is totally dependent on how long it takes the physician's office to respond and forward
2. First in first out - their application is just as important to the insurance company as the one before them, and the one after
3. State Mandates - their Insurance Commissioner can be very demanding as to what the insurance company has to have to issue the policy, and this sometimes means crossing every T and dotting every I twice.
I have only had two clients get impatient, and walk away. Oh, well.