Aetna Medicare Supplements

[billyb]

Every Tabacco t65 that I have written has been at a tobacco rate. I never even knew some states allow you to not pay a tobacco rate if you smoke until now.

The Agent Checklist for Florida which is included every Aetna sales kit that I received reads under the heading DON'T FORGET "Premium mode(quote preferred rates for OE/GI)". I asked my up line about this because he is located in FL too and you would think he would have known it was incorrect, nope. I didn't know it was an error until I checked status online yesterday and saw the policies issued with a tobacco rate. Called Aetna and they said that FL is their only state where OE/GI is a tobacco rate for a smoker. I asked if I was the first agent to bring the Agent Checklist error to their attention. They said yes. I guess I am the only agent that read the material that was included in the sales kit.

 

[goillini52]

The Agent Checklist for Florida which is included every Aetna sales kit that I received reads under the heading DON'T FORGET "Premium mode(quote preferred rates for OE/GI)". I asked my up line about this because he is located in FL too and you would think he would have known it was incorrect, nope. I didn't know it was an error until I checked status online yesterday and saw the policies issued with a tobacco rate. Called Aetna and they said that FL is their only state where OE/GI is a tobacco rate for a smoker. I asked if I was the first agent to bring the Agent Checklist error to their attention. They said yes. I guess I am the only agent that read the material that was included in the sales kit.

As long as you've been in the business, you should know that quite often the upline/FMO doesn't have a clue what they're talking about. That's why whenever I have a question, I go straight to the horse's mouth and call the company.

I've had that happen in the past, where a company printed it wrong and wouldn't honor what they wrote. It sucks, but what're you going to do?

 

[jemelton]

As long as you've been in the business, you should know that quite often the upline/FMO doesn't have a clue what they're talking about. That's why whenever I have a question, I go straight to the horse's mouth and call the company.

I've had that happen in the past, where a company printed it wrong and wouldn't honor what they wrote. It sucks, but what're you going to do?

Agreed. Many uplines are failed agents...

 

[Chazm]

The Agent Checklist for Florida which is included every Aetna sales kit that I received reads under the heading DON'T FORGET "Premium mode(quote preferred rates for OE/GI)". I asked my up line about this because he is located in FL too and you would think he would have known it was incorrect, nope. I didn't know it was an error until I checked status online yesterday and saw the policies issued with a tobacco rate. Called Aetna and they said that FL is their only state where OE/GI is a tobacco rate for a smoker. I asked if I was the first agent to bring the Agent Checklist error to their attention. They said yes. I guess I am the only agent that read the material that was included in the sales kit.

I’ve only written Aetna through the eApp. I was forced to answer the smoking question. I’m not sure if I’ve seen a sales kit yet

 

[somarco]

I guess I am the only agent that read the material that was included in the sales kit.

Don't feel bad. Many agents don't read the material either . . . until their commission is cut off or reduced.

Most policyholders never read their policy until a claim is denied.

 

[LostDollar]

Don't feel bad. Many agents don't read the material either . . . until their commission is cut off or reduced.

Most policyholders never read their policy until a claim is denied.

I think it was back in early 2017 when I was first posting here,
I can't remember how many times I saw goillini tell new agents to read the policies before they delivered them.

 

[Speck]

Cigna is similar, as only FL & MN are tobacco states with them. MS & TX are tobacco states for most of the carriers other than Aetna, Cigna, and AARP. Have you checked to see if AARP would give you a non-tobacco rating in FL?

 

[Chazm]

I think it was back in early 2017 when I was first posting here,
I can't remember how many times I saw goillini tell new agents to read the policies before they delivered them.

People deliver med supp policies?

 

[goillini52]

I think it was back in early 2017 when I was first posting here,
I can't remember how many times I saw goillini tell new agents to read the policies before they delivered them.

I don't remember ever saying that LD, because I don't read the policies before I deliver them. I might have said to look at them and make sure the name, effective date, etc. are correct.

 

[goillini52]

People deliver med supp policies?

I do most of the time because it's a good time to cross sell, get referrals, etc., and it doesn't hurt to have another contact with a new client. I'm not delivering them as much to long time clients as I used to, unless I need to take care of something for them or sell them some more insurance.