There are agents who current write small face amounts over the phone without ever meeting the prospect. Plenty of carriers offer face amounts under $50k on a simplified issue basis.
Sshh. Don't say that too loudly, a lot of the better carriers, still require the agent to meet the applicant, for non med. I had a case last year, with xxxxx, where I actually did meet with the client and he signed the app. They called for a phone interview, and he was confused, and said that he didn't meet with me. I explained to them that he got confused, because I had taken his health app over the phone, and probably didn't distinguish between carriers. They were going to void the application, but after I spoke with them, they changed their minds. Besides, I could back up what I told them, but there was no need.
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