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In Reply to: WORKING THE BUSINESS. posted by JAXX on January 19, 2003 at 01:37:57: Jax writes: : IF I HAVE SOMEONE WHO QUIT SMOKING 13 MONTHS AGO, HE IS CONSIDERED A NON-SMOKER. NOT WITH PFS Actually that is not true. I am a former agent with pfs, and if someone has not smoked for 12 months they are a non-smoker. If a client who was originally issued a smoker's policy quits for 12 months they will qualify for non-smoker's rates on the same pOLicy and their premium will be reduced acordingly. : HOW CAN YOU DO RIGHT FOR THE CLIENT SELLING ONE LIFE INS. PRODUCT? : GO TO A DOCTOR WHO ONLY PRESCRIBES ON RX. : GIVE UP YOUR BEST LEG IN ORDER TO GET PROMOTED. : LEAVE AND YOU LEAVE ALL OF YOUR CLIENTS. : HAVE A CLIENT RATED UP AND YOU ARE NOT FREE TO TRY AND GET HIM A BETTER RATE. : I SELL TERM THAT CIGAR SMOKERS, PIPE SMOKERS, AND PEOPLE WHO CHEW TOBACCO ARE CONSIDERED NON-SMOKERS. NOT WITH PFS. : IF I HAVE SOMEONE WHO QUIT SMOKING 13 MONTHS AGO, HE IS CONSIDERED A NON-SMOKER. NOT WITH PFS. : YOU GUYS ARE IN INSURANCE KINDERGARTEN!
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