Do you know your coworkers?
What city did Cheryl grow up in?
Chattanooga
A tornado comes through and damages Sarah's "she shed" and her roof. What deductible would be used: wind and hail or all other?
Wind and Hail
Gilbert (76 years old) calls in to let us know he has paid off his home. What product should we discuss with Gilbert and why?
PLUP
Name three factors that go into auto rate decreases/increases
Litigation Costs, vehicle prices, vehicle parts, inflation, pricier tech, medical costs.
What college did Michael attend?
Harding University
Jackson has to get a new transmission in his car since his broke down due to maintenance. Can he use ERS to get his car to the shop and use car rental coverage to pay for his car rental while his car is in the shop?
Yes to ERS and No to car rental. Car rental can only be used for a filed covered claim.
Jessica comes by with her son to let us know he just got his driver's license. In addition to adding her son as a driver what else do we offer and why?
Life policy for her son. Unintentional injuries (car crashes) are the number one cause of death for teenagers.
No, just the limits of 250/500/100 for liability.
What state other than TN has Carolyn lived in?
Michigan
Sharon has a renter's policy and her dog bites someone while out for a walk. Would her renter's policy cover her dog biting someone?
Yes, this would be a liability claim for Sharon.
Sig called in to add on a ski boat to his policy because he is an avid water skier. What other policy should we also discuss with him?
A customer owns a 30-year term $250k life policy and wants to decrease the same policy to $200k. Do they need to go through underwriting?
No since the customer is keeping the original policy and only decreasing the death benefit no underwriting is needed.
Cinnamon, Mick, Missy
Allison buys a final expense life policy. Allison passes away a year later from a stroke. What is paid out to Allison's beneficiary?
The premiums paid so far plus interest.
Cambria makes her payment late and apologizes for the late payment. She said she has been busy taking care of her elderly mother who is at the nursing home. What product could we offer Cambria for herself to think about for her future and why?
Long term care or UL life policy with long term care rider.
A customers bill is due on March 1st. They don't make their payment. They call in on March 15th to change the due date to March 29th. Can they update the due date for March?
No, since the payment is past due, the due date cannot be updated until after their account is paid current. Once the March payment is made the due date can be updated to show the 29th starting in April.
What is Michaels middle name?
Anthony
Zach is playing baseball and breaks his leg that requires him to be life flighted to a nearby hospital. How much would the supplemental health insurance plus pay for life flight?
$1,000
Cathy is a new customer and just moved to TN. You have finished up her getting her insurance started here in TN. What is a question you should ask that would help Andrew with an IPS review?
Did you change jobs with your move to TN?
What is the max discount percentage someone can get for DSS?
30%