- 4,686
Just hearing the word pronounced "stint" makes me cringe. Of course, most of our clients say stint so I suppose it's best not to correct them!
Client with Heart Stint and Sleep Apena
- Thread starter MPCFinPlan
- Start date
Just hearing the word pronounced "stint" makes me cringe. Of course, most of our clients say stint so I suppose it's best not to correct them!
- 27,287
Sorry I forgot grammar police hung out here
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I am thinking of just doing a trial app and letting him know he will be rated and we will found out how much after the trial app.
Personally I would do as CentralSolution suggested. Save you and the client a lot of time. Then submit through a brokerage that orders the APSs and gets the labs. That way if you need to switch companies it is seamless.
IMHO
- Thread starter
- #13
- 384
Unfortunately I am captive so I can't. If they do not take him, I would be able to find another carrier to take him, but I have to go through the process of seeing if he will be taken or declined.
- 15,041
Talk to your manager. They really don't want this risk. While a decline won't stop you from shopping it, it will be easier if there wasn't a decline out there.
Also, work on your prospecting. You find too many cases like this and you'll be having a "Come to Jesus" meeting about your prospects.
- 27,287
Ah, that is a horse of a different color. Then I agree, a trial app gives you a rate without a MIB hit.
For a prospect wanting $300,000 in coverage? You'd present them with a FE small face GDB policy? Okay, but you'd rarely, if ever close that client. With what has been said about health/etc he should be able to obtain coverage (likely table rated), but much closer to what he's looking for than a GDB FE plan.
No I wouldnt, I apologize as I read back through the scenario I read it wrong the first time.
