Re: What protects us from nasty customers?Go to Top
If he calls or emails again just tell him that you have done all that you can for him and are not able to help him any further. One thing you have to remember is there is no law that says any of us has to take on a client. You can blow them off or fire them if they are difficult. I would not worry about getting a bad rep because 1) if he knew anyone else in the insurance biz why didn't he buy from them and 2) any other agent has dealt with the same thing and knows what it is really all about.
Reminds me of one of my personal favorites, guy calls and leaves a message about talking to a f**king live person to buy some f**king health insurance. LOL, he actually left that message of course did not leave a callback number.
Another thing I have noticed is that those on the very borderline are often the biggest a-holes. Your guy knows no one is going to underwrite him, at least favorably. He also knows his AD&D is worth crap. He is just taking it out on you. The biggest jerks I deal with (which is rare, thankfully) are always a decline waiting to happen.
He's not your client, you don't own him sh*t, so just dump him and move on. He can go talk to one of his "friends" and get it taken care of.
Re: What protects us from nasty customers?Go to Top
Originally Posted by BiggitySwat
I just want to be protected from psychotic, lying clients who think they're always right, even if the proof is before their eyes AND delivered by experienced/licensed insurance agents.
Next aggressive contact from him that he initiates, reply by telling him that you have attempted to satisfy his requests and needs but it is obvious that you are unable to do so. Let him know (sternly) that since he has been unreasonable in his demands that you will no longer communicate with him on the matter, and he can take this up directly with the company. Inform him that you will take NO MORE correspondense from him, verbal or email, and if he persists in berating you, let him know that any further contact from him will be reported as harrassment.
Obviously the above kind of depends on whether one is concerned for their safety, which is the inference that I have taken from your original post. It also depends on whether a male or female agent, because if a Male customer is attempting to intimidate a female agent, this takes on a different aura than if a male agent.
There are whacko folks out there that we come in contact with, and some (fortunately not many) attempt to take out their sh*t sandwich that they must swallow in their life, on someone else by bullying them around. This is someone who needs a good ass-kicking in real life, if you ask me... And he will get it, just not soon enough.
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"A successful man is one who can lay a firm foundation with the bricks others have thrown at him." David Brinkley
Re: What protects us from nasty customers?Go to Top
Be professional.... As much as it feels good to tell someone to F off now and again, be professional. You'll be better off in the long run.
Just tell the guy the dates you've made the call for the refund check and offer him the 800 number for the carrier.
Document everything.
The reason you don't fly off the handle is because "if" he files a complaint to the OIC your responses will be read my government workers whose first impression will be you did something wrong. Doing it right and professionally wins out.
I have had a lawyer call my office everyday for three months in a divorce case. He faxed and emailed unreasonable (IRS standards) demands daily. Bugged the hell out of me. Kept telling me how he was going to contact the SEC and OIC.
Long story short.. everything I did paperwork wise became evidence. Every correspondence sent became evidence.
It took the judge less than five minutes to dismiss anything against me. In fact the judge told the lawyer if you had listened to Mr. Gilmore you wouldn't have cost your client several hundred thousand dollars.
Cross your "t"'s and dot your "i"'s. Be professional.
Disclose in writting what you've done to help this guy get his money back.
Do not get into debates over AD&D other than to say he's incorrect and leave it at that and leave it at "I'm sorry you feel that way."
Re: What protects us from nasty customers?Go to Top
Originally Posted by LGilmore
Be professional.... As much as it feels good to tell someone to F off now and again, be professional. You'll be better off in the long run.
Just tell the guy the dates you've made the call for the refund check and offer him the 800 number for the carrier.
Document everything.
The reason you don't fly off the handle is because "if" he files a complaint to the OIC your responses will be read my government workers whose first impression will be you did something wrong. Doing it right and professionally wins out.
I have had a lawyer call my office everyday for three months in a divorce case. He faxed and emailed unreasonable (IRS standards) demands daily. Bugged the hell out of me. Kept telling me how he was going to contact the SEC and OIC.
Long story short.. everything I did paperwork wise became evidence. Every correspondence sent became evidence.
It took the judge less than five minutes to dismiss anything against me. In fact the judge told the lawyer if you had listened to Mr. Gilmore you wouldn't have cost your client several hundred thousand dollars.
Cross your "t"'s and dot your "i"'s. Be professional.
Disclose in writting what you've done to help this guy get his money back.
Do not get into debates over AD&D other than to say he's incorrect and leave it at that and leave it at "I'm sorry you feel that way."
There are so many web definition of insurance but, here are a few:
A legal agreement with an insurance company that provides for reimbursement in the case of damage or theft to collateral. Promise of reimbursement in the case of loss; paid to people or companies so concerned about hazards that they have made prepayments to an individual or corporate body. Insurance, in law and economics, is a form of risk management primarily used to hedge against the risk of a contingent loss. Insurance is defined as the equitable transfer of the risk of a loss, from one entity to another, in exchange for a premium. A system of protection against loss under which a party agrees to pay a certain sum (premiums) for a guarantee that they will be compensated under certain conditions for loss or damage. A contract providing for financial protection against a loss. For example, a homeowner’s insurance policy provides for reimbursement if the owner suffers a loss due to fire or a number of other causes.
Re: What protects us from nasty customers?Go to Top
Originally Posted by STIBROKER@AUSTIN.RR.COM
First never collect a check with a life application.....learned that a long ............
I do know that some carriers offer the agent a choice to merely do an electronic draft for the first month's premium IF the client is approved. Unfortunately, for this particular product, it was an exception and required an actual Cash With App (check/MO only).
I have since not written this product at all, period.
Originally Posted by arnguy
My two partners, Smith & Wesson.
I hear you, as I'm a gun owner too. However, in my state, conceal carry permits are illegal for all except Law Enforcement officers and people with connections. My stainless Kimber .45 never left its case unless I was at a range.
****UPDATE
I actually had a near-REPEAT of this ugly experience two days ago. This other client apparently "knew everything," then got nasty on me when I was doing a needs analysis worksheet. I asked him about current coverage, savings, mortgage, etc. and he got real ugly.
The funny thing though is that this person and the other one had nearly IDENTICAL characteristics:
1) Both born in the same south east asian country and then emigrated to the USA
2) Both doing fairly well-paying jobs, but got them via starting at the extreme bottom of their companies doing menial/janitorial duties
3) No college degrees, in fact no education at all past high school
4) Both roughly the same age
5) Both claim to know more than myself and my assistant, when neither of them have any kind of insurance background, experience, or licensing
6) Both are non-qualified medically for a standard rating
7) Both have crap AD&D policies with a very low monthly premium, and tried to argue with me that their $11 AD&D is the same thing as a $200/mo Life insurance policy
8) Both refused to hear my comments on their AD&D coverage
9) Both, being that they are horribly underinsured and can barely afford their huge mortgages, may foreclose their house, whereupon I will buy them out and convert their former family compounds into strip clubs for the top life premium producers of my new FMO.
Re: What protects us from nasty customers?
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