I've recently gotten contracted with Pacific Life and am finding out that I may have made a wrong choice. Fantastic products and company, no doubt, but I feel like they are extremely hard to do business with. I'd like you studs and superstars to help me find a company I can get directly contracted with. I am looking for a company that is EASY to write for. I don't necessarily mean lax underwriting. What I mean is that the company must NOT be a cesspool of bureaucracy, full of complicated ways of doing things with processes that have 1,001 steps that you need to go through before anything gets done, or a lot of hurdles to hustle through. I know I just described the vast majority of companies, as our industry is run by Dilberts, but bear with me here.
I am looking for a company that has the following:
- non medical term, whole, and UL applications up to the low to mid 100,000s. For example, American National is awesome here: non med up to and including 250,000, no matter what the product.
- must have easy quoting engines, such as American Nationals term quote engine, which can be downloaded into the iPhone. A lot of what I sell is sold on the spot, so I must be able to quickly quote someone on my phone, or through a rate sheet book, and fill out the app right then and there. I have learned that setting up an appointment for a later date when I have someone that wants to sign up RIGHT HERE RIGHT NOW because I have to submit a proposal to a company, or because I don't have my laptop with me, is Amateur Night At The Arena. Also, I wanna be able to reply to someone right away when they ask "how much?", and not with, "oh, hold on, let me run to my car and pull out my laptop and run a quote like a Dilbert".
- must be relatively quick with issuing a clean policy, and must have reasonable underwriting. Nothing stuck in the 1970s, please.
- must accept paper apps. Electronic apps are such a pain, at least to me. I wanna be able to get signatures right away when someone says "how do I sign up?". Also, the whole process of using the computer is a mood killer, I've noticed. With paper apps I can point to where they sign, get the most important information, and then do the rest back at the office.
- preferably has term rate sheets/booklet. This is not a dealbreaker, as long as an easy to use, quick and to the point quoting engine exists
- relatively competitive prices
- all term MUST be convertible
- preferably has Annual Renewable Term in its portfolio
American National has ALL of these things I am looking for. American National kicks butt, but I am already contracted with them through my GA and American National does not do dual contracting. I'm wanting to get directly contracted with a company. If I could just be directly contracted with American National and put all my business through them I GLADLY would.
Help?
I am looking for a company that has the following:
- non medical term, whole, and UL applications up to the low to mid 100,000s. For example, American National is awesome here: non med up to and including 250,000, no matter what the product.
- must have easy quoting engines, such as American Nationals term quote engine, which can be downloaded into the iPhone. A lot of what I sell is sold on the spot, so I must be able to quickly quote someone on my phone, or through a rate sheet book, and fill out the app right then and there. I have learned that setting up an appointment for a later date when I have someone that wants to sign up RIGHT HERE RIGHT NOW because I have to submit a proposal to a company, or because I don't have my laptop with me, is Amateur Night At The Arena. Also, I wanna be able to reply to someone right away when they ask "how much?", and not with, "oh, hold on, let me run to my car and pull out my laptop and run a quote like a Dilbert".
- must be relatively quick with issuing a clean policy, and must have reasonable underwriting. Nothing stuck in the 1970s, please.
- must accept paper apps. Electronic apps are such a pain, at least to me. I wanna be able to get signatures right away when someone says "how do I sign up?". Also, the whole process of using the computer is a mood killer, I've noticed. With paper apps I can point to where they sign, get the most important information, and then do the rest back at the office.
- preferably has term rate sheets/booklet. This is not a dealbreaker, as long as an easy to use, quick and to the point quoting engine exists
- relatively competitive prices
- all term MUST be convertible
- preferably has Annual Renewable Term in its portfolio
American National has ALL of these things I am looking for. American National kicks butt, but I am already contracted with them through my GA and American National does not do dual contracting. I'm wanting to get directly contracted with a company. If I could just be directly contracted with American National and put all my business through them I GLADLY would.
Help?