I picked up a new client via AOR because a Ramsey ELP dropped the ball big time.
Long story short, client calls the ELP about health insurance. ELP offers Time HSA.
Client felt there were better deals and went looking. Found H1 online, applied and was approved last Friday.
He called the ELP at which point the ELP told him to call H1 and cancel that app then submit a new one thru the ELP.
Client calls H1 for clarification, then asks more detailed questions they could not answer and he was referred to me.
Client wants to have employer pay the premiums pre-tax. After questioning, I found out the employer does not have an HRA or 125 plan.
Client also wants to set up a list bill.
I didn't know what H1's policy was on list billing, but I was not aware of any carrier that will list bill one policy. I told the client I would check with H1 and get back.
Turns out H1 does list bill (in a manner of speaking) for 1 life and they sent me the forms.
In the interim this guy calls the ELP to get the WA number so he can make that guy his agent on the H1 policy.
Called the ELP 5x over the next 4 hours. ELP never returns the call.
At 2PM Friday the client calls me, gives me the saga, and asks if I would be his agent. I agreed and gave him my WA number for H1. I promised to call back once the AOR was approved by H1.
5 minutes later I get an email from H1, making me the AOR on his policy.
I called the client back, we had more conversation which went on for 30 minutes or so. I pointed out things he did not know about the H1 plan and things the ELP never bothered to explain.
Some ELP's, like some agents, take the time to help their clients while others are simply looking for a fast buck. All I can say is, if I were paying Dave Ramsey a grand+ a month for referrals I would at least bother to return a phone call so I could get paid.
Long story short, client calls the ELP about health insurance. ELP offers Time HSA.
Client felt there were better deals and went looking. Found H1 online, applied and was approved last Friday.
He called the ELP at which point the ELP told him to call H1 and cancel that app then submit a new one thru the ELP.
Client calls H1 for clarification, then asks more detailed questions they could not answer and he was referred to me.
Client wants to have employer pay the premiums pre-tax. After questioning, I found out the employer does not have an HRA or 125 plan.
Client also wants to set up a list bill.
I didn't know what H1's policy was on list billing, but I was not aware of any carrier that will list bill one policy. I told the client I would check with H1 and get back.
Turns out H1 does list bill (in a manner of speaking) for 1 life and they sent me the forms.
In the interim this guy calls the ELP to get the WA number so he can make that guy his agent on the H1 policy.
Called the ELP 5x over the next 4 hours. ELP never returns the call.
At 2PM Friday the client calls me, gives me the saga, and asks if I would be his agent. I agreed and gave him my WA number for H1. I promised to call back once the AOR was approved by H1.
5 minutes later I get an email from H1, making me the AOR on his policy.
I called the client back, we had more conversation which went on for 30 minutes or so. I pointed out things he did not know about the H1 plan and things the ELP never bothered to explain.
Some ELP's, like some agents, take the time to help their clients while others are simply looking for a fast buck. All I can say is, if I were paying Dave Ramsey a grand+ a month for referrals I would at least bother to return a phone call so I could get paid.
