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It definitely sucks to see a med supp app declined. Here in PA, I have been writing a lot of Philadelphia American/New Era as they have a super easy E-App, great rates, quick approvals and almost all polices are being approved. I have also been writing Cigna and Stonebridge. Stonebridge doesnt have an e-app which is a bummer. Cigna does and it is easy to use.
My issue is, however that about half of my Cigna apps are being declined. And these are people that are passing the field underwriting questions. Cigna has also been taking about 30-45 minutes to answer the phone.
I am starting to realize that great rates don't mean squat if the apps can't get through. I would write Philadelphia American almost exclusively, but I have to admit, their comp being 18% vs 21-22% on most other companies makes me feel like I am leaving a bit on the table.
Anyone have any companies they are having good luck getting apps through, that also have decent rates, an E app and good comp? thnx.
My issue is, however that about half of my Cigna apps are being declined. And these are people that are passing the field underwriting questions. Cigna has also been taking about 30-45 minutes to answer the phone.
I am starting to realize that great rates don't mean squat if the apps can't get through. I would write Philadelphia American almost exclusively, but I have to admit, their comp being 18% vs 21-22% on most other companies makes me feel like I am leaving a bit on the table.
Anyone have any companies they are having good luck getting apps through, that also have decent rates, an E app and good comp? thnx.