Random Thoughts, Ramblings, Ideas, Questions, Etc..

10/9/2014 - Random Question.

In the past, renewal premiums were always higher than new business premiums. I suppose that was a marketing thing?

What about now... Will all 2014 plans renew on 1/1/2015 at the same rate as what NEW 1/1/2015 clients will pay?
ac
 
10/9/2014 - Random Question.

In the past, renewal premiums were always higher than new business premiums. I suppose that was a marketing thing?

What about now... Will all 2014 plans renew on 1/1/2015 at the same rate as what NEW 1/1/2015 clients will pay?
ac

Yes, everyone the same age will pay the same amount with the same carrier and same plan for every year until this POS is revoked.
 
Yes, everyone the same age will pay the same amount with the same carrier and same plan for every year until this POS is revoked.

Thank-you YAgents. Thought so, but I have a hard time re-programming myself on certain aspects of this monstrous law.
ac

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aint gonna be revoked..... wtf wrong with you

It will be "tweaked" after people start filing 2014 taxes and businesses start paying penalties for all the hidden booby traps. The law will be far more than tweaked if Republicans take the Senate, as expected.
 
It will be "tweaked" after people start filing 2014 taxes and businesses start paying penalties for all the hidden booby traps. The law will be far more than tweaked if Republicans take the Senate, as expected.

Look again. Kansas and South Dakota are going blue in the polls. Georgia and Kentucky are a toss up. By the time we really can do something, this thing is going to be entrenched
 
Look again. Kansas and South Dakota are going blue in the polls. Georgia and Kentucky are a toss up. By the time we really can do something, this thing is going to be entrenched

I think it's already entrenched. About six feet deep so far. Revoke was yesterday's dream. Suffocate is today's.
 
Look again. Kansas and South Dakota are going blue in the polls. Georgia and Kentucky are a toss up. By the time we really can do something, this thing is going to be entrenched

OK..looked again. Tonight's map says that there are 9 toss-ups.
LINK: RealClearPolitics - 2014 Election Maps - Battle for the Senate

The law is entrenched, but the pressure from consumers and businesses to allow insurance policy customization is growing. A 62 year old castrated male would save money if he could opt out of maternity. But, that would raise the premium higher for the 20 year old female who does want it, wouldn't it.

What's better when it comes to health insurance.. capitalism or socialism? Is Medicare a socialist program?
 
10/24/2014

Question:

From an agent's perspective, what is the difference between being contracted with a:

1. Managing General Agency (MGA)

2. General Agency (GA)

3. Field Marketing Office (FMO)

Each of these entities are discussed in various sections of the forum, but I have no idea how they relate to each other, or to agents.

For instance, if I have an issue with Blue Cross or Humana that I can't resolve myself, a support company known as Employee Benefit Risk Management (EBRM) will go to bat in assisting me. EBRM also conducts our Blue Cross field training sessions.

I asked them today if I was "under them". Here's the reply...

"We at EBRM don’t sell insurance, so we don’t have agents under us. We're actually the agents General Agency. This means that were the middle person between the agent and the carrier. You can think of us as your office."

OK, so they are my General Agency. But, I'm "not under them"? Whatever. I'm glad to have them available for assistance and training.
ac
 
Kansas and South Dakota are going blue in the polls. Georgia and Kentucky are a toss up.

KS is a dog fight but I don't expect the Senate race to have a Dem winner. Same for KY.

GA is also a dog fight but a Dem hasn't won a state wide election in 10 years. Hoping this is not the year that changes. Nunn admitted she voted for Obama 2x but tries to portray herself as independent minded. She has appealed heavily to the black churches and appeared at their "Early voting in the pews" Sunday services.
 
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