How do I present this rider???

moonlightandmargaritas · 08-14-2008, 12:14 PM

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Originally Posted by joshril

I definitely smell something fishy here...

Pun intended?

moonlightandmargaritas · 08-14-2008, 12:16 PM

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Originally Posted by ABC

I had a rider on breast implants last month.

Nice, full "B"? Little "C"?

joshril · 08-14-2008, 12:16 PM

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Originally Posted by moonlightandmargaritas

Pun intended?

I thought about that after the fact...

joshril · 08-14-2008, 12:19 PM

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Originally Posted by robliano

Is everyone going to say be upfront? Such arrogance.

It's not what you said... it's how you said it...

robliano · 08-14-2008, 12:22 PM

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Originally Posted by joshril

It's an interesting rider and yes, I've dealt with it before. You have a critical tone. Sti, Peeler, Somarco, Moonlight, and TXINSURANCE do not (sorry if I left anyone else out)... and, they are not trying to sell anything.

You were pretty much the only one I disagreed with and that's mostly because 95% of your posts are copy/pasted BS...

You can tell my tone in an email? That's talent.

I think if you read this post over then you can tell when I was fighting back against what you said. If you took it any other way prior to that, that's how you took it. Newbie's joke was okay because his tone was different?!?!?!?

PS: "Piss up a rope" doesn't have a critical tone? All I basically said was I hope no one uses his verbiage. Was that me being critical?

somarco · 08-14-2008, 12:24 PM

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

Just to make sure I understand, you are referring to an abnormal pap AFTER the policy has been issued, not before. Right?

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We are borderline getting her issued within the 63 day gap. It literally has to be done by tomorrow.

Doesn't provide much wiggle room. Unless she has something else better, go for it then try to smoke out the issue. Sounds like this may be her only option at this point, even if it isn't a good one.

Quote:

I had a rider on breast implants last month.
Now that was really akward having the client sign off on that. I just viewed it as any other health condition.

It's only awkward because you make it so. This is part of your job. Approach it in a professional manner and move forward.

If you want awkward, imagine being a proctologist. Not many folks want to shake that hand at a cocktail party.

robliano · 08-14-2008, 12:24 PM

Quote:

Originally Posted by joshril

You were pretty much the only one I disagreed with and that's mostly because 95% of your posts are copy/pasted BS...

This is insightful by the way.

You chose to disagree with me due to my prior posts.

Good judgment on your part.

joshril · 08-14-2008, 12:26 PM

Quote:

Originally Posted by robliano

You can tell my tone in an email? That's talent.

I think if you read this post over then you can tell when I was fighting back against what you said. If you took it any other way prior to that, that's how you took it. Newbie's joke was okay because his tone was different?!?!?!?

PS: "Piss up a rope" doesn't have a critical tone? All I basically said was I hope no one uses his verbiage. Was that me being critical?

Rob, you have a track record of being a prick. The only reason you are on this forum is to sell your $1500 version of "Sales for Dummies... Rob Liano style". Others are on here to bounce ideas and engage in friendly banter with no intentions of selling products...

robliano · 08-14-2008, 12:26 PM

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Originally Posted by somarco

It's only awkward because you make it so. This is part of your job. Approach it in a professional manner and move forward.

Hmmm . . . similar to what I originally said, glad your tone is better Bob!

joshril · 08-14-2008, 12:28 PM

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Originally Posted by robliano

Only us experts do that Paul.

Just out curiosity... do you have a crush on Paul? I was looking back and some past threads, and it seems like you agree with most everything he says? (which is out of character for you)

Of course, Paul's a knowledgeable guy, but it just seems odd...

moonlightandmargaritas · 08-14-2008, 12:29 PM

Quote:

Originally Posted by joshril

Rob, you have a track record of being a prick. The only reason you are on this forum is to sell your $1500 version of "Sales for Dummies... Rob Liano style". Others are on here to bounce ideas and engage in friendly banter with no intentions of selling products...

Oooooh....

Sounds like a throwdown to me!

joshril · 08-14-2008, 12:30 PM

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Originally Posted by robliano

Hmmm . . . similar to what I originally said, glad your tone is better Bob!

Bob's always given good advice... and like I said, Bob's not trying to sell me or anyone else sales training.

joshril · 08-14-2008, 12:36 PM

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Originally Posted by somarco

Just to make sure I understand, you are referring to an abnormal pap AFTER the policy has been issued, not before. Right?

This was an abnormal pap prior to the policy being issued... This was a fairly clean app. A few allergies and small things on the kids, but no mention of anything relating to this at all. I'm pretty damn thorough when I do the app and I RARELY have a surprise come back like this.

As mentioned before, had something come up during qualification or the app, we probably would have a looked at a different company. I don't feel like a did anything wrong on my recommendation. I can only make recommendations on the info I'm given.

I'm talking with underwriting and the client trying to determine exactly what's going on now...

robliano · 08-14-2008, 12:38 PM

Quote:

Originally Posted by joshril

Rob, you have a track record of being a prick. The only reason you are on this forum is to sell your $1500 version of "Sales for Dummies... Rob Liano style". Others are on here to bounce ideas and engage in friendly banter with no intentions of selling products...

Not true, that's your opinion based on the past. get over it, as they say on here. LOL

You really need to pay attention. When did I offer to sell anything? My training is not offered here. other places yes, not here.

An hey if you think it's overpriced, don't sign up. If you change your mind I'll give you a 10% discount for pissing you off.

You have to realize, many, many people see the value in a four week course that covers a litany of sales skills, role playing, group sessions, one on one mentoring, marketing materials, products, ongoing support,
Cold calling, master classes w/ guest speakers, referrals, pre screens, underwriting, etc, etc, etc.

They also see a great ROI, less frustration, and quicker sales that stick, which is the bottom line.

I also have tons of testimonials and referrals from clients, carriers, agents and agencies. Furnished upon request. Wink

OH and it's not $1500, it's $2000 LOL.

robliano · 08-14-2008, 12:41 PM

Quote:

Originally Posted by joshril

Just out curiosity... do you have a crush on Paul? I was looking back and some past threads, and it seems like you agree with most everything he says? (which is out of character for you)

Of course, Paul's a knowledgeable guy, but it just seems odd...

Wow, you looked back at threads, I'm touched.

So you must have seen that I've agreed with many people on the forum, as others have agreed with me, take this post for instance. Oh yeah, my tone takes the validity of my statement out of the mix for you.

I don't have man crushes, do you? Is that why you asked?

Bob_The_Insurance_Guy · 08-14-2008, 12:42 PM

Mary. I wanted to go over the offer that was presented to us, based on the information discovered during the underwriting process.

The good news is, you were accepted. There is, however, something that was uncovered in your medical records, that prevents them from offering full coverage, at this time. Here, let me show you.

You see, here, it says...

What that means to you is that, due to the findings, as it stands now, (....) won't be covered. What we have the power to do is appeal this in 6 and 12 months, thus allowing it to be included in the future.

No plan is going to be perfect. That being said, it's my professional recommendation that this is your best option.