Originally Posted by TXINSURANCE
I assume Anthem requires captive appointment unless you sell them a good story about some ridiculous production commitment?
That is basically correct. It is pretty much captive although not technically. They have some kind of an arrangement where if you demonstrate that more than 75% of your business is in health insurance already and commit to doing most of you business through them then they will consider you. But you have to consider that in a guaranteed issue state with extremely high premiums it doesnt get you much to be appointed with them (for the individual market anyway). Everyone pretty much knows that they have best rates (which are horrible compared to the rest of the country) so either the client can't afford it or if they can, since it is guaranteed issue, they just go to the website or 800 number and do it. Of course, they have the better rates because all the other carriers, with the exception of a little bit of Aetna and Mega business have left the state. Pretty much a monopoly.
As discussed in some other threads, I am not saying that in this type of environment that there is no individual agent business or commissions to be had. Only that it is a major, major game-changer and most agents aren't interested because they are trying to make a living rather than to prove that there is still business to be had in guaranteed issue states.
Winter
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