I am truly grateful for this thread. Being a one year old agent of Great Eastern now I realise why many of my Group Managers are giving different opinion in terms of disclosing customer information to the underwriter. The more it is disclosed, the longer it will take for the policy to get inforce (passed birthday may subject to increase premium). The more it is disclosed, the possibility of customer being loaded and being declined is higher.
Conclusion, the more it is disclosed, the higher chance that we will loss the sales.
Thus, like every other sales in the world, the fine line is always between sales first or SOP first.

To be honest, I want to be a high integrity insurance agent, but being a new agent under so many 10 plus years seniors opinion which mostly are siding more on the sales, I have somewhat decided to just take it easy when disclosing information. The mind is telling, most important is to get it inforce since sales is not easy to comeby, other thing later decide (belakang kira).

After going through this thread, I think I have no choice but to change my mind about this. I will rather loss the sales than seeing a friend or a relative who is sick but not getting paid from the insurance company.

It is super sad thing to see that while they are sufferring from illnesses and the product that we are selling suppose to help them did not help.


AL0716: So sorry to hear whatever happen to you. I really dunno what to comment. But only hope you will really take good care of yourself! Your case has definitely help me to know what to do in the future. Thank you so much.