Insurance Agent Forum

[Mike S]

Originally Posted by moonlightandmargaritas

Yeah but the problem is you are dishonest and unethical.

There is no such thing as a "deep discount" on health insurance. Doesn't exist, not allowed by law.

Are you saying that insurance companies can't offer discounts? The page you are referring to is not for agents but providers offering coverage. Are you saying Geico, Allstate, eHealth and other insurance companies can't offer discounts. Don't call me dishonest or unethical you wind bag!!

[theinsuranceman]

LOL

[moonlightandmargaritas]

Originally Posted by Mike S

Are you saying Geico, Allstate, eHealth and other insurance companies can't offer discounts. Don't call me dishonest or unethical you wind bag!!

I am going to remove the word Deep but leave in Discount on the landing pages.

Looks like they're both still there to me.

GEICO and Allstate are insurance companies, they can offer discounts - that's auto insurance.

Ehealth is an insurance agency.

When I click on your health insurance link, you say the the providers below are offering "deep discounts".

Maybe you could point out one or two to us?

You're right, dishonest and unethical probably don't fit.

Ignorant is a more accurate word.

[Mike S]

Not interested in debating the forum expert (wind bag). I did not remove the text because after further consideration I decided you were wrong. It is more than obvious you have dedicated your life to posting on this forum. All I can do is report your post to the administrator like so many others have in the past.

[somarco]

he page you are referring to is not for agents but providers offering coverage.

Providers is not correct terminology. They are carriers or companies but never providers.

[CHUMPS FROM OXFORD]

I haven't checked your website today, but the comment in question was

"Each Health insurance provider below is currently offering deep discounts."

Health insurance rates are normally approved by each state DOI. The companies do not offer "deep discounts."

[ghealthplus]

Hi Mike...Can you please contact me...I am interested in what you are doing..Thanks

[moonlightandmargaritas]

Originally Posted by Mike S

Not interested in debating the forum expert (wind bag).

There is no debate. I asked you to cite an example that supports your assertion. Obviously you don't have one - because it doesn't exist. I'm engaged in a battle of wits with an unarmed man! You don't know the difference between an insurance company and an insurance agency. That's not a debate.

I did not remove the text because after further consideration I decided you were wrong.

Decide anything you like. The fact is your text is misleading, unethical, dishonest - and wrong.

All I can do is report your post to the administrator like so many others have in the past.

Reported me to the administrator? OMG! Suppose he'll whack my peepee? My weekend is wrecked!

[theinsuranceman]

Hey Mike...I would like some advice on what you are doing..Thanks..Greg...252-292-3350 anytime.

[wildcat]

Originally Posted by moonlightandmargaritas

Reported me to the administrator? OMG! Suppose he'll whack my peepee? My weekend is wrecked!

Aaaaaaaahhhaaaahhhhh ... that is so funny!!!

[jerry176]

I put my zip code in. How come i did not get a deep discount here in New Jersey. If they offered a deep discount, the insurance would be Sh##. I know this because I purchase health insurance for my family, and it is not cheap.

[djs]

I read some of your blog. All I can say is that an insurance agent would probably lose his license if he said what you have to say.

Just a quick update, coverage is the same price, whether purchased online or through an agent. No difference. Why buy through an agent? The can help guide you through the maze of policies and help you in selecting the right one. Have a limited budget? An agent can be your best friend helping explain the tradeoffs that you are looking at making.

From a money making site, you probably are doing pretty well. Do be a bit careful, because the agents on this site are correct, it is highly improper to say 'deeply discounted'. In the context you are using it, it would be unethical for an agent to say this. You are welcome to email me and I'll explain why, but in short, it sends the wrong message, neither agents nor carriers can provide one person a discount over another person without approval from the department of insurance.

One of the benefits to selling insurance is the price is the price is the price. Doesn't matter how you buy it, it's the same price. No negotiating. You negotiate coverages if you need a different price.

Dan

[Mike S]

Originally Posted by djs

From a money making site, you probably are doing pretty well. Do be a bit careful, because the agents on this site are correct, it is highly improper to say 'deeply discounted'. In the context you are using it, it would be unethical for an agent to say this. You are welcome to email me and I'll explain why, but in short, it sends the wrong message, neither agents nor carriers can provide one person a discount over another person without approval from the department of insurance.

One of the benefits to selling insurance is the price is the price is the price. Doesn't matter how you buy it, it's the same price. No negotiating. You negotiate coverages if you need a different price.

Dan

Hi Dan,

Thanks for the input, I appreciate the constructive advice.

[CHUMPS FROM OXFORD]

...c not s

[somarco]

the price is the price is the price. Doesn't matter how you buy it, it's the same price. No negotiating. You negotiate coverages if you need a different price

.

I understand where you are going with this, and I agree in principle. But there are also underwriting differences across all lines of coverage where the same benefits will result in different prices and other contingencies from carrier to carrier.

Mike may know how to make money but he does not know much about the industry. If he sticks around here long enough he might just learn something.
- - - - - - - - - - - - - - - - - -

the price is the price is the price. Doesn't matter how you buy it, it's the same price. No negotiating. You negotiate coverages if you need a different price

.

I understand where you are going with this, and I agree in principle. But there are also underwriting differences across all lines of coverage where the same benefits will result in different prices and other contingencies from carrier to carrier.

Mike may know how to make money but he does not know much about the industry. If he sticks around here long enough he might just learn something.

[Mike S]

I was just reading through my thread an noticed that [COLOR=Red]moonlightandmargaritas[/COLOR] sure has quite a bit to say and most of it is negative.

Then I started looking through other people's threads and noticed he makes comments, again mostly negative, everywhere.

We should have a contest to guess the number of threads that he has not commented on. I would like to start. My guess is NONE!

[theinsuranceman]

Hey Mike please call Greg 252-292-3350 about the web site. I like it.

[CHUMPS FROM OXFORD]

Of course...regardless of the state or product, you say consumers will save an average of $364. And I know why...it is 364.com...and it might look silly throwing accurate numbers at consumers.

I like your marketing, but as others have pointed out...honesty is not exactly your most prominent attribute.

[Mike S]

The insurance industry has made a living out of advertising "Savings". To single our site out as being dishonest because we use the word "Savings" is a bit silly. How would you try to get new customers by increasing the price.

[CHUMPS FROM OXFORD]

Mike...not for using the word "savings."

I was referring to the fact that regardless of which type of coverage (life, auto, health) or which state...when you enter your site...you are throwing that same number around.

Maybe they will save $364. Maybe they'll save $864. Maybe they can't. But you haven't checked every product and zip code so you don't know.