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re: Why do people think that they can lie to insurance companies?
Posted on 10/20/16 at 6:48 pm to Vols&Shaft83
Posted on 10/20/16 at 6:48 pm to Vols&Shaft83
Why didnt you just say you saw him smoking and level set the conversation?
Also where does butt chugging fit into the life insurance equation? just asking since you are a Vol etc.
Also where does butt chugging fit into the life insurance equation? just asking since you are a Vol etc.
1
Posted on 10/20/16 at 7:01 pm to Pavoloco83
quote:
Why didnt you just say you saw him smoking and level set the conversation?
"Hey, I just saw you smoking outside", not really a great way to build rapport.
quote:
Also where does butt chugging fit into the life insurance equation?
"Have you ever consumed alcohol with your anus?" has never appeared on any insurance application.
Here's another tip, if you're applying for insurance of any kind, NEVER volunteer information that they don't ask for.
Posted on 10/20/16 at 7:06 pm to Vols&Shaft83
Are you interested in building rapport or preventing insurance fraud? You sound like you're more interested in the sale than that prevention of a crime.
By level setting, as a consultant to the client, saying "hey I saw you smoking" is likely to lead to a more honest conversation for the customer and you.
i've been in sales since 1983. That always worked with me. frick em if they lie to you. thats not helping them or you.
By level setting, as a consultant to the client, saying "hey I saw you smoking" is likely to lead to a more honest conversation for the customer and you.
i've been in sales since 1983. That always worked with me. frick em if they lie to you. thats not helping them or you.
Posted on 10/20/16 at 7:14 pm to Pavoloco83
quote:
Are you interested in building rapport or preventing insurance fraud?
Pretty sure I handled the situation appropriately. I addressed the fact that I saw him smoking, thus preventing insurance fraud.
I suppose I could have addressed it earlier. Why you gotta break balls?
Posted on 10/20/16 at 9:06 pm to Vols&Shaft83
So you're saying the questions I answer to my doctor are then sent to an information database that can then be used against me later? What the frick happened to doctor patient confidentiality?
Posted on 10/20/16 at 9:25 pm to Vols&Shaft83
quote:
Why do people think that they can outsmart a life insurance company?
Because it's pretty easy
This post was edited on 10/20/16 at 9:25 pm
Posted on 10/20/16 at 9:28 pm to AggieDub14
quote:
So you're saying the questions I answer to my doctor are then sent to an information database that can then be used against me later? What the frick happened to doctor patient confidentiality?
At any point in your life you have ever used health insurance, it's been databased. Even if you used the temporary insurance from your high school to get a physical to play sports, it's been databased.
Posted on 10/20/16 at 9:35 pm to Vols&Shaft83
I don't smoke. I do combustible and e-cig research. I get exposed. Will you cover me?
Posted on 10/20/16 at 9:37 pm to bamaclownbaby
quote:
I don't smoke. I do combustible and e-cig research. I get exposed. Will you cover me?
You might get rated up because of your occupation.
Posted on 10/20/16 at 9:38 pm to Vols&Shaft83
Punished for potentially helping people. I get it.
Posted on 10/20/16 at 9:53 pm to bamaclownbaby
quote:
Punished for potentially helping people. I get it.
I'd have to know more about your occupation to make a risk assessment. I'm not an underwriter, so I don't have the final say. The underwriter may determine that your profession may be low risk.
Don't take it personally. EMTs, nurses, doctors all get rated up.
Posted on 10/20/16 at 9:58 pm to Vols&Shaft83
quote:
Who would my boss of bosses be?
Check that paper allowing you to do business out of Nashville. Look at who signs it and you probably have your answer.
Posted on 10/20/16 at 10:02 pm to Cheese Grits
You do realize I don't live in or do business in Nashville, right?
Posted on 10/20/16 at 10:03 pm to Vols&Shaft83
what is MIB?
Posted on 10/20/16 at 10:06 pm to Vols&Shaft83
Does that make you feel good? It makes me feel all warm and fuzzy.
Posted on 10/20/16 at 10:14 pm to bamaclownbaby
Nobody is forcing you to buy life insurance. Don't like the rate, don't buy it.
Posted on 10/20/16 at 10:30 pm to Vols&Shaft83
quote:
I don't live in or do business in Nashville, right?
Yes, now go look at who signs the certificate that lets you sell insurance in Tennessee. Pretty sure it is from an office in Nashville and pretty sure that is the boss of bosses.
Posted on 10/20/16 at 10:37 pm to pioneerbasketball
quote:
MIB
I see you need to take the eye test
This post was edited on 10/20/16 at 10:38 pm
Posted on 10/20/16 at 10:43 pm to Cheese Grits
Are you talking about the Tennessee Insurance Commissioner?
I don't live in Tennessee, I do have a non-resident license there though.
I don't live in Tennessee, I do have a non-resident license there though.
Posted on 10/20/16 at 11:36 pm to cardboardboxer
quote:
Lets say I did lie, is there any way to get out of it without causing even more trouble? New company? "oops my bad?"
Or you could just go with you started using tobacco after the question was asked and notify them of the change.
You were never asked if you would use it in the future, this is not as cut and dried as the insurance agent here suggest.
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