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Reply to Anybody have experience with Reserve National products?     
Old 12-07-2006, 12:32 AM   #1
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Anybody have experience with Reserve National products? Anybody have experience with Reserve National products?
I am running across a few folks with Reserve National health insurance. Lady I was talking with tonight was singing their praises...said they paid fantastic on a knee replacement surgery.

Anyone selling their products?
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Old 12-07-2006, 06:43 AM   #2
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somarco on Anybody have experience with Reserve National products? - Insurance Forum
 
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Anybody have experience with Reserve National products?
Never heard of them.

Their website seems to indicate this is a career shop, no brokerage.

http://www.reservenational.com/pages/Careers.html

An Equitable Commission Schedule
Commission schedules are designed to provide agents an above average income, while allowing the Company and its products to remain competitive in the marketplace. 2004 sales commissions are clearly a prime example of what potential the Company offers the ambitious salesman:

12% of the producing agents averaged a total income of $150,500.

49% averaged a total income of $87,500.



An Outstanding Lead System
Reserve National offers one of the best lead programs in the industry. The Home Office supplies agents with approximately 15-20 leads each week. To generate the steady supply of quality leads, a variety of marketing media may be utilized: handout leads, direct mail, television, newspaper ads, outdoor signage and telephone leads.
Other than that you really cant tell anything about their operation. Much of their site is under construction so you cant even view their product portfolio. When you pull up their locations I see 3 Schuster's in management positions. That may mean something or nothing.

I have worked in Knoxville & Nashville in the past and neither of the names listed for those cities mean anything to me. That may be irrelevant as well.

And this may be of interest, if it still is applicable.

http://www.findarticles.com/p/articl...13/ai_20894012

Reserve National Insurance Company is headquartered in Oklahoma City and specializes in the sale of limited benefit accident and health insurance products to persons primarily in rural areas. Reserve National utilizes direct mail solicitation to its target markets to generate sales leads for its independent agent force
Aflac, Colonial type policies possibly?

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(404) 252-5859
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Old 12-07-2006, 11:20 AM   #3
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James on Anybody have experience with Reserve National products? - Insurance Forum
 
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Anybody have experience with Reserve National products?
Originally Posted by somarco
Aflac, Colonial type policies possibly?
And now you get too look behind door number 1,2 or 3 for your prize! I think you are correct.
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Old 12-21-2009, 02:04 PM   #4
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Anybody have experience with Reserve National products? Re: Anybody have experience with Reserve National products?
Has anyone heard any more about Reserve National lately? I just had a prospect say he had gotten a quote from them.
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Last edited by leftie12; 12-21-2009 at 02:09 PM.
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Old 12-21-2009, 10:24 PM   #5
chp
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chp on Anybody have experience with Reserve National products? - Insurance Forum
 
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Anybody have experience with Reserve National products? Re: Anybody have experience with Reserve National products?
They are a second tier insurance company at best. No need to sell it. When I run across a client that has them, it is an easy sale. Get a copy of their plan, read through it.

All clients love their low premium company when they dont use it.

If you are independent, you should have contracts with the major players in your state(s). Explain to your clients that you are the expert, and guide them to a good, real, health plan. Reserve National is not one of them.

Best of luck!
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Old 10-28-2010, 05:53 PM   #6
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State: raven585 is an Insurance Agent from Indiana
Anybody have experience with Reserve National products? Re: Anybody have experience with Reserve National products?
chp, reserve national is not, good, or real? how is it an easy sell if other products are much more expensive and they cant afford your policy?
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Old 10-28-2010, 06:52 PM   #7
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AllenChicago on Anybody have experience with Reserve National products? - Insurance Forum
 
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Anybody have experience with Reserve National products? Re: Anybody have experience with Reserve National products?
Looks like they're still swimming in success and happiness at Reserve National. The company seems to sell everything but Major Medical?

Careers at RNIC

-AC
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Old 10-28-2010, 09:53 PM   #8
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davidleekline on Anybody have experience with Reserve National products? - Insurance Forum
 
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Anybody have experience with Reserve National products? Re: Anybody have experience with Reserve National products?
I just converted a small group of 6 from Reserve National. The agent that sold it snooker the owner but it was not until one employee had to pay almost his entire hospital bill that he understood.

Stay with the big names, unfortunately there will be fewer of them in the future--aka Principal Financial, American Community ....
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Old 10-29-2010, 12:59 PM   #9
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State: raven585 is an Insurance Agent from Indiana
Anybody have experience with Reserve National products? Re: Anybody have experience with Reserve National products?
In what state was that david?

nevermind, i see iowa.
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Last edited by raven585; 10-29-2010 at 01:02 PM.
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Old 10-29-2010, 07:15 PM   #10
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jbage007 on Anybody have experience with Reserve National products? - Insurance Forum
 
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Anybody have experience with Reserve National products? Re: Anybody have experience with Reserve National products?
same as old United American semi-guaranteed-issue very limited benefit plans designed only for people who can't get "real" insurance otherwise

owner of company is good friends with dude named Mick E. Mouse
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