Assurant Chargebacks

HealthGuy · 11-06-2009, 04:18 PM

Somaro: Respectfully you have to sell Assurant where you can win with them. They are not competitive everywhere, but where they are you can sell the hell out of it. Many agents do.

souldeux · 11-06-2009, 09:21 PM

If they had the CSDs down here in Georgia, they'd see a lot more use out of me. As it is I use them only very rarely to cover a maternity case.

fina · 11-07-2009, 08:09 AM

I know of 4 call centers that went out of business writing assurant because of that policy. Dont use them.

HealthGuy · 11-07-2009, 08:58 AM

Fina: Call centers going out of business because they are writing Assurant with either CSDs or maternity? Come on?! There is nothing wrong with either their CSD option and/or maternity. I say use them.

somarco · 11-07-2009, 09:40 AM

Call centers are order takers. They don't explain policy options (such as no Rx on that plan you picked), underwriting, or what happens between application and the final offer. Of course HO CSR's are no better.

I have taken business away from places like eHealth when someone got a policy and actually bothered to read it and see there were riders on conditions. If the premium goes up unexpectedly, they complain and many times cancel the policy. But most only find out about a rider (or CSD) when they try and use the plan.

Call centers that place business with carriers that don't rider have a high "not taken" rate. Same goes for business placed with carriers that take apps COD or where the premium is billed once the policy is approved.