Quote:
Originally Posted by sugarwood
Notice how he conveniently ignored this question? Speaks volumes.
|
I didn't ignore the question. I was too busy re-answering other stuff you had re-asked. But since you're so skeptical and
I will lose sleep at night, worrying about an Internet troll not approving of my job, here goes.
Again, I set an appt. When I get there, I show them a photocopy of the card they mailed in. 99% of the time they nod and say, "Oh yes, I did mail this in." Just came from one today where the daughter had mailed it in on behalf of her mother, so the mother had no idea what I was talking about. Then I read the post card copy back to them to refresh their memory. Then I tell them we usually get these from folks who 1) have nothing in place for their final expenses, 2) have something but want more or to shop for a better deal or 3) just want to leave something behind for their loved ones. "Now, which of those was your reason for mailing this in?"
When a woman answers, "Well, I already have a policy," I answer, "Oh, great. Which company is that with?" 100% of the time they have no idea what they have, how long they've had it, never read their paperwork, never get the company name right, don't get the face or premium amount right, etc. At that point, I try to get as much info out of them as I can. If they're really motivated, they go get the paperwork, hand it to me and I explain to them what they have and ask what they'd like to do.
The one I just came from had a clean-sheeted policy. She hadn't even opened the policy before I got there. She bought it by phone and I suspect she was coached into answering "no" to all the health questions. She had been diagnosed with dementia on May 26th and filled a script for Donepezil twice since then. Her daughter showed me the paperwork for that. I don't know how the life insurance company didn't catch that on her script check, but that medication is an absolute knock-out for all companies for day one coverage. So I explained to her daughter that that policy was never going to pay, as, upon a death claim, they would review all medical records and see that she was diagnosed with and treated for a knockout condition well before the date of her application. It was a very interesting day. If you guys ever read the old Encyclopedia Brown books, this woman's case was like one of those. But I figured it all out after a while and fixed it.