EXPLAIN THIS
EXPLAIN THE CASH CANCER POLICY AND WHAT TYPES OF CANCERS HAVE AN EXCLUSION?
.............SKIN CANCER, UNLESS A MELANOMA
HOW LONG DOES A BUSINESS NEED TO BE ESTABLISHED TO BE A FRANCHISE?
1 YEAR.
BUSINESS MIN A YEAR, NEW OWNERS CAN BE THERE FOR A WEEK AND IT'S GOOD TO GO.
HOW WOULD YOU DESCRIBE THE NEXT STEPS TO A DM ONCE THE CLOSING PPW IS COMPLETED?
THE PPW WILL BE SENT UP TO OUR QUALITY MANAGER, ALINA SILVERS. IN THE NEXT COUPLE OF DAYS, SHE'LL BE GIVING YOU A CALL TO CONFIRM THE INFORMATION AND YOU'LL BE APPROVED AND ALL SET.
YOU'RE DOING THE CLOSING PPW AND THE DM STATES THAT THEYRE NOT ABLE TO ACCESS THE PAYROLL CURRENTLY TO GET YOU THE FULL ROSTER. HOW CAN YOU MOVE FORWARD?
SIMPLY START BY WRITING DOWN 5 EMPLOYEES' NAMES AND HIRE DATES WHILE UPDATING THE ROSTER LATER. THIS WILL GET THE BUSINESS APPROVED SO THERE DOESN'T HAVE TO BE A WAIT FOR THEM.
WHAT IS THE MOST IMPORTANT STEP PRIOR TO BEING IN THE FEILD TO SET YOURSELF UP FOR SUCCESS?
PRODUCTIVE MONDAY.
QUALIFYING YOUR LEADS, GETTING EXTRA INFO ON THE BUSINESSES, ENDING THE DAY WITH A GREAT TUESDAY ROUTE. ETC.
EXPLAIN THE CRITICAL ILLNESS AND DOES A TIA STROKE RECIEVE PAYOUT?
...................TIA DOES NOT, NOT CONSIDERED A "FULL BLOWN STROKE"
A transient ischemic attack (TIA), often called a ministroke, is a brief blockage of blood flow to the brain.
WHAT IS AN EMPLOYMENT RULE FOR ENROLLING?
HOW LONG AN EMPLOYEE NEEDS TO BE EMPLOYED BEFORE ANY BENEFITS CAN BE ISSUED BESIDES THE COMPLIMENTARY ONES
MARK HAS DIABETES WITH INSULIN, HE WANTED LIFE INSURANCE NO MATTER WHAT. HE GOT CLP FOR $50,000. WHAT SHOULD HE BE ADVISED WILL HAPPEN?
HE WILL BE RATED. EVEN IF APPLIED AND SUBMITTED FOR $50,000 UNDERWRITING WILL ACCESS HIS MEDICAL RECORDS AND ADJUST COVERAGE AMOUNT ACCORDINGLY.
IF HE APPLIED TO PAY $30.00 A WEEK FOR $50,000 HE MAY END UP STILL PAYING THE SAME, BUT COVERAGE WILL DROP
THE GATEKEEPER HAS FIGURED OUT WHAT YOU DO AND WHY YOU'RE THERE. THEN THE GATEKEEPER IS TELLING YOU THAT THE DM ISN'T INTERESTED IN ANY PROGRAMS AND WON'T WANT TO IMPLEMENT ANYTHING.
WHAT IS SOMETHING YOU CAN SAY TO GET AROUND THIS ROAD BLOCK?
.....OPEN ENDED....
HOW MANY NEW QUALIFIED LEADS SHOULD YOU HAVE AT THE END OF MONDAYS?
60-80 NEW LEADS
EXPLAIN THE CANCER ENDURANCE PLAN AND LIST 6 DIFFERENT PAYOUTS.
..........
ROUGHLY, WHEN WOULD THE BEST TIMES TO CATCH A DM OR OFFICE MANAGER AT A DENTIST OR DOCTORS OFFICE BE?
11AM-1PM (GIVE OR TAKE)
PEOPLE GO INTO SCHOOL OR WORK LATE OR LEAVE SCHOOL OR WORK EARLY TO GET TO THE DOCTORS.
AN EMPLOYEE STILL EMPLOYED BY ABC PLUMBING (a client of ours) received a $10.00 annual invoice in the mail. What is it?
It is for the complimentary benefits that were not reissued in time. Everything is portable, even the free coverage.
YOU'RE FINISHED YOUR PRESO, THE DM IS INTERESTED AND WOULD LOVE TO OFFER THE PROGRAM, HOWEVER, HE STATES THAT IT IS IMPOSSIBLE TO CATCH THE EMPLOYEES, THEY'RE SCATTERED AND ONLY ALL HERE ONCE A QUARTER.
HOW CAN YOU MOVE FORWARD?
.....OPEN ENDED....
OFFER TO DO IT VIRTUALLY
OFFER TO DO IT IN STAGES, NOT ALL AT ONCE, A FEW ONE DAY AND MORE ANOTHER.
ETC.
*DEPENDING ON SCHEDULE*
YET, 80-85% SHOULD BE NEW LEADS
WHAT ARE THE MAIN POINTS ON THE GROUP TERM 100
PORTABLE, PERMANENT, PRE-TAX, PAID UP AT 65
HOW MANY DAYS DOES AN EMPLOYEE HAVE TO KEEP THEIR COVERAGE IN FORCE AFTER LEAVING COMPANY, WITHOUT OWING BACK PAY?
90 DAYS FROM THE LAST PTD
YOU SUBMITTED A $30,000 GT100 ON AN EMPLOYEE. THEY'RE CURIOUS TO WHY THEY KEEP GETTING CALLS FROM A TX NUMBER.
WHAT HAPPENS IF THE CALL DOES NOT GET COMPLETED?
THAT IS THE QAC. 1 OF EVERY 4 APPLICANTS AND ANYONE OVER 50 APPLYING FOR LIFE INSURANCE GETS A CALL. ITS HOME OFFICE GOING OVER THE SAME HEALTH QUESTIONS AND A LITTLE MORE.
THE POLICY WILL BE CANCELLED AND CHARGED BACK.
A BUSINESS THAT YOU HAVE GONE INTO MANY TIMES, HAVENT BEEN ABLE TO MOVE THE NEEDLE. WHAT IS A WAY TO GET BACK IN THE DOOR WITH SOMETHING NEW?
.........OPEN ENDED.....
EXAMPLE: HAVING A PROMOTION WHERE THE FREE BENEFITS ARE NOT ONLY AVAILABLE FOR YOUR EMPLOYEES, BUT THEY CAN NOW GIFT THEM TO ANYBODY THEY WOULD LIKE TO. FRIENDS, RELATIVES, ETC.
WHAT ARE THE STEPS FROM START TO FINISH IN THE FIELD?
QUALIFY LEADS
WALK INS
PRESENTATIONS/APPOINTMENTS
CLOSING
ENROLLMENT
DEDUCTIONS
EXPLAIN THE 10RCW
......10 YEAR, RENEWABLE CONVERTIBLE LIFE.
EVERY TEN YEARS CAN RENEW IT OR CONVERT IT INTO A WHOLE LIFE.
BENEFICIARIES CAN DECIDE HOW THE MONEY CAN BE PAID.
WHEN IS AN AGENT WITH GLOBE LIFE CONSIDERED FULLY VESTED IN THEIR RESIDUALS?
10 YEARS
ENROLLMENT PERIOD IS OVER, DEDUCTIONS HAVE BEEN SENT.
IT IS A BRAND NEW ACCOUNT. WHAT SHOULD THE AGENT BE DOING THROUGHOUT THE DEDUCTION PERIOD.
AFTER DEDUCTION DROP OFFS, A FOLLOW UP CALL THE DAY DEDUCTIONS BEGIN SHOULD BE MADE TO ENSURE THERE WASNT AN ISSUE. HALFWAY THROUGH THE MONTH, TOUCH BASE, MAKING SURE ALL IS WELL.
THEN, AT THE END OF THE MONTH ONCE THE INVOICE IS GENERATED, A CALL TO ENSURE AND REMIND THE INVOICE IS READY AND CAN BE PAID.
ABC PLUMBING IS VERY INTERESTED IN MAKING THE PROGRAM AVAILABLE. HOWEVER, OF THEIR 10 EMPLOYEES, 5 ARE 1099, AND THE OWNER DOESN'T WANT TO PROCEED BY EXCLUDING THE OTHERS. HOW DO YOU KEEP MOVING FORWARD?
SAY THAT THE HEALTH BENEFITS AND OTHER LIFE POLICIES ARE AVAILABLE FOR THE 1099 EMPLOYEES. THEY CAN GET THE FREE COVERAGE AND OTHERS, BUT IT WOULD BE DONE THROUGH BANK DRAFT, NOT PAYROLL.
WHY IS IT IMPORTANT TO BE CONFIDENT IN WRITING AN APPLICATION? AS IN, TRUST THE HEALTH INFO, TRUST THE BUSINESS PAYROLL AND THAT THE COVERAGE IS CLEARLY IMPORTANT TO THE APPLICANT?
.......OPEN ENDED....
WANT TO AVOID CANCELLATIONS IF WROTE TOO MUCH PREMIUM, TRUSTING THE PERSON SO AS NOT TO RECEIVE CHARGEBACKS, ETC.