Wednesday, November 01, 2006

Don't Ask, Don't Tell

Remember from the Clinton years? The "new" policy on happy people in the military?

Now the same applies to health insurance applications.


One carrier now boasts a 17 question health application vs. the old one with 50 or so. The new app is online, shorter, and supposedly 70% are approved in 48 hours.


I have yet to prove that theory.

Most apps take a 10 year look back on illness, some go back to the day you were spanked. All apps have the Final Jeapordy question . . . "is there anything else you haven't told us, even if we did not ask, that you want to say at this time?".

The apps also ask the agent do disclose anything they know that the client has not disclosed on the app.

The new app only does a 5 year look back on everything except cancer where they go back 10 years.

The Final Jeapordy question is not the new, shorter application. Neither is the agent accountability question.

So what is an agent supposed to do?

I guess it depends on what the definition of is, is . . .
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