Wednesday, June 23

Call today a classic case of good (or good-ish) start, bad finish.  I caught the tail end of morning rush hour on my way into work but all in all didn’t have too bad a time.   There was a slowdown in the Exit 56 area that looked at first like it would be a long one, with traffic coming to a dead stop for a couple of minutes, but then almost as quickly as it began it ended.  Usually, a more-than-momentary dead stop means that traffic is likely to move slowly once it gets going, but not today.  The trip took me about 40 minutes, compared to the no-traffic 30 minutes, which isn’t bad at all.  After doing some paperwork I went with another agent to do some more business soliciting.  We began with a followup in the same small upscale downtown area where we were last week, and then went to a slightly larger and more middle-class downtown to do some more soliciting.  It seemed to go okay, no bad attitudes or anything, but it’s also the sort of business activity with a fairly low payoff rate in terms of leading to sales.  If I get one sale for every 25 business visits I’ll be well ahead of the game.  One out of 50 is more like it and one out of 100 would be entirely possible.  Still, what with the commission structure in the industry, that doesn’t necessarily mean that business solicitation is a bad thing. 

Speaking of bad things, I was most displeased later in the afternoon to find out that the underwriters have rejected on medical grounds an application I wrote a few weeks ago.  It’s very surprising, as the applicant was only 19 years old and certainly looked healthy enough.  Even the fact of an outright rejection is surprising.  When medical issues arise, the underwriters more commonly “rate” the applicant, in other words put him or her in a higher risk category that requires higher rates.  Flat rejections generally happen only in the cases of older people with significant chronic conditions.  One thing that might have happened in the present case, and would indeed have resulted in an outright rejection, is that the applicant was found to be, ahem, on familiar terms with Colombia’s best-known export product.  I’ll never know the exact reason, and while this was an inexpensive policy with a commission to match, every little bit helps … or hurts, as the case may be.  I was not in a good mood when I left work, fortunately I didn’t encounter any traffic troubles.

Gym: 45 minutes on the stationary cycle at 18.6 mph.

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Published in: on June 25, 2010 at 6:56 pm  Leave a Comment  

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