Exclusive leads...

I was shocked when my boss okay'ed these leads and when you work leads you need to have really good systems in place. I don't really have great easy to use programs put together to make my proposals look great.

First day I had 3 leads all appointments, one I couldn't get ahold of. The second I saw got info and I should be able to drop by on Monday of next week. The third was completely uninsurable.

Second day 4 leads, all call backs, one had no interest and sounded like a scared rabbit. Second wanted info, third I called will call back in the morning. The fourth stepped out of the office, we'll see on that one. **Just called him I'll send him the info for 5 or 6 employees they are with Anthem.

Brain dead...

My brain hurts...

I've been working on a group policy for a dentist for a while and in the end, it's a nightmare. I can see most of the group being uprated for stuff you have no idea was gonna happen. Next year, I'm gonna stick them on a group.

In any case don't believe anybody when they tell you they have no medical conditions---they lie! You ask someone, so your healthy right? Oh sure! Then when they hand you the form they want to ask you a question and you realize they LIED to you! And they don't want to tell health insurance company anything personal about themselves-fyi their medical condition.

I sent in 3 filled out applications today, to Aetna and one to Anthem! Yesterday I got a teeth cleaning and one BOR from Anthem. Life is good.

You complain when you can't close and then you complain when you do. What the hell?

What else is on my plate?

A two man group not new moving to Aetna, I'll be putting the daughter on an individual policy so that it lowers the tier to employee plus spouse.

A two man group car assemblers which might not make it thru underwriting until we're sure that they qualify as a grow they are a little new.

I have to follow up on a two man HMO we stuck in place earlier this year that might come apart, it's last on my list cause it's something I share.

I have several follow ups on individual coverage.

I'm tired and I want chocolate.

My son's birthday!

My beautiful first born is 3 today!
I have little or no memory of his birth, it was a difficult delivery and there was a great deal of stress. I do know that he was beautiful and that every day since with him has been wonderful. I could do without his ability to throw up at every trauma.
I'll be headed over to his father's after work with a small cake(real small) to celebrate with him.

As for work, things are going well but(isn't there always one), I find myself distracted working on marketing. I sent out a group (2-man) but they may have a tough time because they haven't been in business long.
Another group which I only discovered the other day is in underwriting preview. We'll see but I have a feeling they will be uprated significantly.

Next month I'll have been at this agency for a year and I must say that this is one of my very best work experiences. I'm tired of looking for a home, I like this home and I'm determined to stay. The one thing I can say about insurance is that with health I could go independant and still make a living going direct. But I like everyone I work with though I wish I could work exclusively from home (maybe some day!).

I was online last night making my house payment and looked over some bank property online and found my dream home, it's four beds and three bathrooms. It was 5 thousand less than what I have now. It's in a better neighborhood and looks modern. What a dream!

Nothing gets done...

I sometimes wonder about people.

So, I've been working on a marketing proposal for our agency. I think it would be good if we could order some plain doorhangers and print our own different doorhangers in english and spanish. And then have Aetna and Anthem print some generic agency flyers.
We should also be starting some telemarketing soon, because I think they've finally figured out that I'm not a producer who just goes out and sells. I need some base. I also think if I'm going to do property and casualty I'm going to pick an industry. I think my boss would like something like auto dealers but I really can't stand them. I'd prefer restaurants and bars because I have some background in those.
I'd also like to cross sell rental insurance.

There are some many areas to our business, but I must say that I enjoy the individual (somtimes), and the under 10 group market. Groups under 50 are great for commission but a pain in service.

I've submitted a group for underwriting review, a small company out of Carson City that I'll have to work damn hard to finish. Also I have another two man auto assemblier but now they seem to have cooled.

I did speak with a client about DI today but I think he was shocked by the rates. He said he'd keep me in mind, I'll keep him mind too because when I called he was on the other line with his doctor. Not a great sign, huh?

Adding a new blog...

I decided to add a new blog with all the info that I've put together for my area.
Also I'm going to post interesting articles and links that I come across.

As for me lots of new things...and not.

I have two 2-person groups that I should submit by the end of the week. I'm so productive!
Also I should have info on an 8 man group hopefully by Friday. I also have a 5 man I'm waiting for info on.

The first two man was the one I had issues with pre existing conditions. So I confirmed that to get around that is to sign them up with an HMO, I'm not sure if that will work with individuals but I know it does on groups. They went on vacation (what's that?) and I should have two completed applications by Thursday and then the client and I will finish the finale paperwork. I also want to BOR her children's current policy and add the spouse on to it.

The second two man/woman is a current client that I had no idea existed until I found their bill in our billing. They renew on 10/1 and they wanted to get away from the carrier we stuck them on a month before I joined our agency. So I ran the quotes with the info I had and then spoke with the client. Well come to find out there was a guy who worked mostly on Life around the time I joined the agency and he brokered this deal. So I told the client that I would handle that and to go ahead and take a look at the quotes. I let my boss know but she said the other agent was not current with us. So then I got a call from the other agent and he wanted to stay involved which I responded that he would need to talk to my boss. So my boss said she had no contact with him and to simply ask the client to stay with us. And I did. She was concerned about some info she'd been given about pre existing conditions. I cleared that up and she was ready to stay with us.

On a personal life note, two kids in college, one kid in senior year of highschool and one in fifth grade. Money is beyond tight and I'm hoping for a miracle. My boys are growing and growing but now I don't seem to have five minutes to myself when I get home. I can't wait for them to grow up.

Moving things around..

I've got a client I never knew about, a small group health policy and then I found out it was smaller now than a year ago. Lovely, I barely get them and now they shrink.

I've got another group that one of the members has a pre existing condition and it's almost impossible to avoid it. I'm thinking that when I worked at the dreaded HHP that we didn't clear pre-ex for those groups going on HMO groups..I wonder if that's the way around it.

I've got phone calls to return but I'll have to do it after lunch. I need more hours in the day.

I'm still considering a lead company and doing some marketing in town. We'll see.