Subject: Re: Re: Re: WORKING THE BUSINESS.

Comments:
: BBG, : Not all insurance companies are the same. Your statement about only needing to quit smoking for one year is still based on the company's underwriting guidelines. For example, Zurich Kemper requires that you be smoke-free for three years before you can get a non-smoker rate. : : 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. : : BBG : : : : 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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