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Discussion on Assurant's Rates in Texas within the General Insurance Agent Discussions, part of the Insurance Agents and Brokers Forum category.
Well....for my family I want the best. Other's are free to choose.... |
05-09-2007, 11:27 AM
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#21
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Join Date: Sep 2006
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Well....for my family I want the best. Other's are free to choose.
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05-09-2007, 11:29 AM
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#22
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Guru
Join Date: Sep 2006
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Quote:
Originally Posted by john_petrowski
So you're telling me you get what you pay for? Cheap rates = cheap coverage? Imagine that.
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No because every thing is negotiable when it comes down to big hosp. bill's and if you understand that all health insurance is a membership card to get you into a private club they call a hosp......I also show humana one and united which is just as high if not higher than Assur....they are not buy those ether...if UC was in your state you would be singing a diffrent tune....in the 6 yr's I have had them on my family they have paid all my bills.....
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05-09-2007, 11:32 AM
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#23
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Join Date: Sep 2006
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The AIDS cap on Unicare is negotiable? The $360 therapy benefit is negotiable? $1,000/$5,000 ambulance is negotiable? Scott....it's a Chevy. Just call it a Chevy and that's fine. Too many caps for me. But that's just me.
What happens if someone has a reproductive disorder in 6 months? Screwed.
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05-09-2007, 11:36 AM
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#24
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Join Date: Sep 2006
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Unicare clients has allergies - gets meds prescribed - Unicare comes back with "sorry, there's OTC allergy meds available so no dice."
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05-09-2007, 11:40 AM
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#25
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Guru
Join Date: Sep 2006
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Quote:
Originally Posted by john_petrowski
The AIDS cap on Unicare is negotiable? The $360 therapy benefit is negotiable? $1,000/$5,000 ambulance is negotiable? Scott....it's a Chevy. Just call it a Chevy and that's fine. Too many caps for me. But that's just me.
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Yes it is.......here is my assurant card.....60% rate increase after one year....the date on this card is before you even had your lic.....like I saying things are different from state to state....btw my daughter has asthma and all her meds have been covered....
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05-09-2007, 11:45 AM
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#26
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Guru
Join Date: Sep 2006
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Back in '97? I can 100% assure you that Assurant rate increases now are right in line with everyone else. I know that for a fact since I've had agents in many states for 3 years - including TX.
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05-09-2007, 11:47 AM
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#27
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Join Date: Sep 2006
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Quote:
Originally Posted by john_petrowski
I know that for a fact since I've had agents in many states for 3 years - including TX.
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So this is what this pissn' match is about.......
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05-09-2007, 12:26 PM
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#28
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Join Date: Sep 2006
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Lol. Unicare is good coverage and cheaper than Assurant. Assurant is better and more expensive. The client isn't harmed by either company and part of the fun of being independent is selling what you like. After all, it's not like we're selling Mega or UA.
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05-09-2007, 01:12 PM
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#29
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Guru
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Quote:
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Unicare hospice $10,000 cap - no cap on Assurant
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Hmmmm, seems like there is no cap on inpatient hospice care, but outpatient hospice care would fall under the home health care benefit of 160 hours.
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05-09-2007, 02:36 PM
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#30
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Guru
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Bottom line:
Assurant wants the high deductible business and wants no part of copays. Because they have less policy caps than most carriers, their HSA rates will be tad more but for a better plan with Secure Solutions to boot.
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05-09-2007, 06:06 PM
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#31
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For a minute there, I thought I was reading the episode on Mash where Hawkeye, and BJ, were pretending to argue to give Frank his day in the sun.
Last edited by The New Guy : 05-09-2007 at 06:46 PM.
Reason: spelling
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05-09-2007, 06:12 PM
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#32
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Join Date: Sep 2006
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If you're working shared leads, you have to sell the cheapest plan. If you don't, your competitor will. I only work exclusive leads so I sell to value. Nothing cheap is good. Nothing good is cheap.
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05-09-2007, 06:44 PM
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#33
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Join Date: Sep 2006
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Quote:
Originally Posted by john_petrowski
If you're working shared leads, you have to sell the cheapest plan. If you don't, your competitor will. I only work exclusive leads so I sell to value. Nothing cheap is good. Nothing good is cheap.
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then he gets a rate increase and starts to look.....all the insurance plans I replace these people had agents.....whats your point again.....
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05-09-2007, 06:59 PM
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#35
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Join Date: Sep 2006
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Quote:
Originally Posted by newmindfashion
Keep in mind John, shared leads in more middle-class or upper class zip won't just buy price. They'll listen to an experienced agent and go for quality.
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Really.....you do know I sell both and I have one in underwriting with John Alden....still has not been the case.....have many wealth people on unicare....next...
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05-09-2007, 07:14 PM
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#36
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Join Date: Sep 2006
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True Jesse. That one upper class lead out of 50 will indeed listen to an experienced agent. "Becky age 26" is going with the cheapest plan. The other 49 leads say "so when is this coming out of my account again?"
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05-09-2007, 08:22 PM
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#37
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LOL.
I think the truth is somewhere in between. 15 out of 50 are in my camp usually. Of those 15, 5-8 go with my logic.
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