Insurance Agent Forum

[joshril]

Originally Posted by Peelerinsurance.com

To Roblaino and Newby... How bout u piss up a rope, I'll sell my way and u sell yours... got it???

Now, yes, I do it that way and then I read the entire rider after the ice is broken.....

I understood what you were saying... Of course you would read and provide the rider in writing after breaking the ice... Robliano has to disagree with most everything anyone says in order to maintain his reputation as an "expert" so he can sell his overpriced training...

[joshril]

Originally Posted by STIBROKER@AUSTIN.RR.COM

tell her we take this for now and put a app in with Aetna that do not issue riders and see which offer is more cost effective....

Also doing this...

[robliano]

Originally Posted by joshril

Robliano has to disagree with most everything anyone says in order to maintain his reputation as an "expert" so he can sell his overpriced training...

That's funny. Maybe if you had some "overpriced training" you would know how to handle a condition such as this, as Somarco mentioned.

[robliano]

I'm not sure why "breaking the ice" is necessary. The client knows what they have, unless it's an true error and then needs to be appealed. Either way, it should be addressed directly.
If you're in this business a long time, you shouldn't feel uncomfortable, these are things we do all day long, we deal with conditions.

[moonlightandmargaritas]

Originally Posted by joshril

so he can sell his overpriced training...

A "little birdie" told me it's $1,500 to go?

[joshril]

Originally Posted by robliano

That's funny. Maybe if you had some "overpriced training" you would know how to handle a condition such as this, as Somarco mentioned.

I've handled riders like this countless times... Just wanted to bounce ideas around the board as this type of rider is bit more awkward than most...

Why would I need the overpriced sales training?... you get all your information from "Sales for Dummies" anyway. I can pick up a copy at Barnes and Noble for $15.

[TXINSURANCE]

The best approach is to just read the rider and offer alternative suggestions as well - see what the client wants.

The reality is most Texas policies have a 6 month wait on "...disorders and diseases of the reproductive system..." buried in the policy itself. Unicare does as do several others. Most agents have never dove in deep enough to realize this.

Your rider was only 1YR, and a lot of non ridered policies do not cover this for 6 months anyhow.

So a woman can go get a pap smear but if it comes back as cervical cancer no claim is paid for 6 months.

I have read nationally "female issues" is one of the highest 1st year claims losses for insurers. Some women obviously know they are having issues in that area and go and buy a policy - others of course do not.

[robliano]

Hey Josh,
I wasn't disagreeing as you say I do most often, actually, I was just offering my advice, which you asked for on the forum, and others agreed and offered other advice as well.

You singled me out and knocked what I do, even though Peeler commented about me AND Newbie.

May I ask why I got the attention?

[joshril]

Originally Posted by TXINSURANCE

Some women obviously know they are having issues in that area and go and buy a policy - others of course do not.

This is actually my concern... the sale was far too easy...

[joshril]

Originally Posted by robliano

Hey Josh,
I wasn't disagreeing as you say I do most often, actually, I was just offering my advice, which you asked for on the forum, and others agreed and offered other advice as well.

You singled me out and knocked what I do, even though Peeler commented about me AND Newbie.

May I ask why I got the attention?

You're arrogant and you have a motive... Newby does not.

[robliano]

Originally Posted by joshril

I've handled riders like this countless times... Just wanted to bounce ideas around the board as this type of rider is bit more awkward than most...

Why would I need the overpriced sales training?... you get all your information from "Sales for Dummies" anyway. I can pick up a copy at Barnes and Noble for $15.

Yes, that contradictory statement makes a lot of sense, you've handled riders like this countless times, but this is a bit more awkward than most of those, so you figured you'd take time out of your day and post it on the forum, and then disagree with the comments.

Did you write Sales for Dummies?

[robliano]

Originally Posted by moonlightandmargaritas

A "little birdie" told me it's $1,500 to go?

With a side of fries.

[TXINSURANCE]

This is actually my concern... the sale was far too easy...

Smart man, particularly if she was uninsured for an excessive period.

Which brings up what I was just thinking...

If she was previously uninsured with over a 63 day gap she has a 12 month pre ex anyhow making the rider a dead issue.

[robliano]

Originally Posted by joshril

You're arrogant and you have a motive... Newby does not.

Everyone has a motive, you wanted to know how to handle the rider, that's a motive isn't it? I'd say you were also arrogant, at least to me.

If it was in retaliation to you feeling I was insulting you, that wasn't my intent and I'm sorry you felt that way.

[joshril]

Originally Posted by TXINSURANCE

Smart man, particularly if she was uninsured for an excessive period.

Which brings up what I was just thinking...

If she was previously uninsured with over a 63 day gap she has a 12 month pre ex anyhow making the rider a dead issue.

True. I definitely smell something fishy here... We are borderline getting her issued within the 63 day gap. It literally has to be done by tomorrow.

[moonlightandmargaritas]

Why has nobody suggested a short "field exam" in order to try to "flesh-out" these problems pre-underwriting?

Of course the prospect would have to meet my minimum requirements first...

[ABC]

Just be up front.
Maybe see if she want to apply with another carrier that would cover the condition but increase the premium.