I have to be present when a person signs up for policies correct.?

Question

I am a new health insurance agent and have this client. A pretty good size one that I have been working on for weeks. Its the end of the quarter and were trying to close it in 2 days. Were working with an HR person who lives out of state. She is refusing to let us see the employees to have them sign the necessary documents. The company is paying for their policies all the employees need to do is just sign 2 things. This is illegal for me to send paper documents over to her and have them sign it without me present correct. If someone has had a situation like this please help me out. Also we went to the owner (HR sister) and she told me to talk to the HR person. Weve gone around in circles for weeks with her. I will lose me license due to errors and omissions if i do this and something goes wrong,correctI just need some help. I know theres a lot of info that is left out. But any help would be great. Thanks

Answer 1

the master policy should be signed in front of witnesses, but the employees need only sign in the workplace and you need not be present. the master policy comes from the main office, not the local or regional one. with many companies the attorneys for the insurer and the insured will do all that is needed. check with your main office, or someone familiar with the type policy you are selling for special requirements. remember, you are the agent, not the company official. as such you are limited by what the company will allow you to handle when dealing with any sizable policy and company. you are entitled to the commission, but not the ability to issue the policy itself.