I've been working with them on the autoresponder. I already paid them for a web site when I signed up last year, and now they want $250 more just to setup the autoresponder, plus $50 per month to use it.
I can do it for free, and maybe only takes an extra 15 to 20 seconds per lead to do so.
I call them about every 60 days, and tell them I would purchase the autoresponder if they waive the setup fee.
I also tell them how much they would have made in monthly fees by doing so since I first tried to set one up, $750 and counting.
I have spoken to three reps at various seminars, and they are always so vague about their setup fees and their monthly costs. They wanted $175 per month just for the autoresponder when I last spoke to them in Novi when they had a Norvax seminar there 2 months ago.
I know they offer deals all over the place, I'm just waiting until I get mine, or another product comes along.
I understand from reading on this forum that there will be a new quoting system available after the 1st of the year.
If somebody from Norvax reads this, I would suggest that you stream line your fee structure, make it more uniform and remember who the customer is.
It may well be a good product, but it's not the only product.
------------------------------------ Michigan Health Insurance Is my main site. Check out the links directory, more than 9875 helpful links and growing.
I can do it for free, and maybe only takes an extra 15 to 20 seconds per lead to do so.
What you can't do on your own is set the drip schedule automated which is what I like. Also the Norvax auto responder has something the others do not - the quote. The quote is also updated as time goes on.
You are correct you can get auto responders all over the place, but what is missing is the quote - which is very important in my opinion.
I hope it ends up working out for you in the long run.
Does norvax or quotit help new agents close more deals?
In my opinion, multi-carrier quoting services (and the two you mention are not the only ones out there- of course I'm going to say this) provide a valuable way to save time and make the sale more efficient.
Many benefits in using the right sales tool, including:
1) eliminates need to go out to multiple insurance companies and pull together quotes
2) multi-carrier proposal shows exact plans that suit needs of consumer
3) gives consumer CHOICES so they don't continue shopping
4) facilitates a remote sale over the phone, gives you and consumer something to talk about together.
5) through providing the right consumer-specific intelligence, helps agent earn role as trusted advisor and set correct expectations
#3 is important, I believe. Consumers today want choice. If an agent pushes just one plan, they will say "ok thanks" and they will continue shopping. After you listen to the consumer and their needs, INVOLVE them in the desicion process! SHOW THEM that you have considered many options and how you are whittling away what is not right... then end up at the answer for them. This can be done quickly. If you involve them, and if you and the consumer together have considered a reasonable number of choices, and together have driven to a logical conclusion, THEY ARE DONE SHOPPING and will buy from you.
Our tool facilitates this decision process (#4), and uses our national 100+ carrier quoting service together with our own integrated co-browser to let the agent run the show and get to the right choice.
Many agents use quote engines INCORRECTLY (then of course blame it on the tool rather than their use of it). Agents often just throw a quote engine on their website and hope that consumers will see what they want (or be hopelessly confused) and then CALL THEM. The old axiom, insurance is sold not bought, holds true here- just because a consumer "CAN" serve themselves doesn't mean that this self-service will, or should, replace your value as an agent. Most consumers don't understand health insurance at all.
#5 above is also important. A quote engine should help an agent earn their role as a trusted advisor, by informing the sale and facilitating the match between consumers' needs and the correct insurance product.
The establishment of TRUST is very difficult in a remote insurance sales situation. One way it can be done is through intelligence, and having the right information at your firngertips to answer questions and inform the sale. Today's "quick" quote engines (such as the ones you mention) do not provide quoting for optional benefits, and do not provide pre-underwriting intelligence. It is time for sales technology solutions to stop focusing on lead sales and recruitment efforts and start providing agents with MORE of the information they need to truly help customers get the right coverage. Our solution provides rate-ups, knock-outs for medical conditions on either primary or spouse, and also builds in height-weight and occupation considerations. We believe it takes away from the speed/continuity of the sale if you have to dig through agent guides for several carriers every time to look up medical conditions.
Just my take, interesting question but not a simple answer.
Last edited by Mark from WI : 01-02-2009 at 03:01 PM.
Considering all carriers must approve the language and quoting information - this could be a while. It is also my understanding some quoting companies have exclusive arrangements with various carriers?
An IT company to setup advanced quoting, carrier logos, carrier plan information - this could take some time. You can not do this bootleg in your garage and you need a large staff (agent support, updating rates).
I am all about competition - I am just a little apprehensive at this point.
Many benefits in using the right sales tool, including:
3) gives consumer CHOICES so they don't continue shopping
#3 is important, I believe. Consumers today want choice. If an agent pushes just one plan, they will say "ok thanks" and they will continue shopping.
They don't just want choice, they want the most choice! B'dunk a dunk!
Sorry for the rim shot but I couldn't resist. Let me know you specs for downloading MostChoice leads directly into your system. We already integrate with Norvax and Quotit will be integrated once I get past this !#$@ incorrectly formatted string error! You can see what our leads look like (the information we collect) on the example pages on our website. Just go to the Insurance Leads page and you will see a list in the left bar.
Thanks.
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Michael Levy
Chairman and Founder
MostChoice.com, Inc.
Search Engine Only Generated Insurance Leads
Mark...when will the product be ready for our review...and possible purchase?
Thanks.
Spellcheck was used in this post.
Chumps,
Sorry for delay, I haven't been on forum a little while (I must correct that).
To answer your question,
The product is ready for purchase anytime. However we are just now going live to a wider market- we were operating a lengthy beta within specific parameters for a time. One major release available NOW, and one smaller release (affecting only certain kinds of users) 3/1. For details, please call. Price break and grandfathered for at least a year for going live in Jan and Feb.
There is more than one "national" quote engine now ... and we thank you for your interest and attention.
- Mark
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Originally Posted by TXINSURANCE
Considering all carriers must approve the language and quoting information - this could be a while. It is also my understanding some quoting companies have exclusive arrangements with various carriers?
An IT company to setup advanced quoting, carrier logos, carrier plan information - this could take some time. You can not do this bootleg in your garage and you need a large staff (agent support, updating rates).
I am all about competition - I am just a little apprehensive at this point.
TXINSURANCE, (may I call you Tex?)
I understand the apprehension. Our software is not new however. Agents using our software have quoted and issued over 100M in major medical sales through our software, and over 50k policies.
As Insurint, we have approvals with every carrier we quote, and as you will soon see, are very active in our partnerships with our participating carriers. An ex-insurance company executive myself, I know the importance of compliance, accuracy, and an active and communicative relationship with our carrier partners.
Regarding exclusives, that is not true. There are no carriers that have turned us down. Nobody.
Regarding staff, we have far more than I have seen and heard about in similar efforts. In our original business model, we have identified what I believe to be a higher ratio of customer service reps to customers than anyone in the business, and we are committed to maintaining that. When you call us, we will answer the phone. If we don't, we will call you back same day in most cases.
If you hit me on this forum however... It might be a few days (sorry again about that)...
Last edited by Mark from WI : 01-07-2009 at 02:09 PM.
Reason: Posts merged
Mark - will this be primarily for healthcare quotes or will it also have LTC and other insurance?
Freddie, hi,
Thank you for your question. To respond,
We quote ind/fam major med, short term med, life, dental/vision, critical illness, and limited benefit.
We have four new major product lines being developed and launching in 2009. Please contact me personally for further information.
Thank you for your interest.
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Originally Posted by somarco
Joe, the quote engine is operational. Has been for 2 yrs or so.
They are getting ready to roll out version 1.78943652 or perhaps it is 2.0103045726. I can't recall which.
The engine is for health insurance. Can't recall if they will eventually have life and other lines or not.
The engine is slick. Has more bells & whistles than what I need or want. Still sitting on the fence.
Thanks Somarco,
It's actually 2.0000001 right now. One inaccuracy, we DO in fact already have Life quoting, have had it for some time (since version 1.1415926 (our "pi" version).
- Mark
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Originally Posted by GreenSky
I'm waiting until February when it will be a fully operational death star (or something like that).
Rick
Death Star? We are actually the rebel alliance, more aligned with the light side of the force.
Powerful, we are. Ready, we are. A lower price, you will have, if sign up in January or February you do.
Last edited by Mark from WI : 01-07-2009 at 03:00 PM.
Reason: Posts merged
Yes, it is. Their stock is down to pennies per share, they're about out of cash, and don't have anymore equity to give away to secure further financing.
Mark, I would cash those paychecks fast if I were you...
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[COLOR=blue]Don't steal - the government hates competition.[/COLOR]
Isn't Insurint owned by Health Benefits Direct? Or something like that.
To answer your question,
Insurint is an independent corporate entity. Insurint was originally built for a call center, Health Benefits Direct. That call center continues to exist today as a sister corporate entity. Both corporations, and a third company named Atiam, which focuses on backoffice automation for carriers, are held by HBDT, the parent corporation. The HBD call center is now simply a customer of Insurint, as are many other agents of all sizes.
Insurint is purely a technology company. Insurint does not sell insurance, nor does Insurint operate a general agency that collects overrides. Customers of insurint are simply users of a common, yet personalized and customized, software environment.
To answer your question,
Insurint is an independent corporate entity.
Mark, I'm not callin' BS on you (yet) but all of the publicly available information suggests the Insurint is a wholly owned subsidiary of Health Benefits Direct. To characterize it as a "seperate corporate entity" is misleading - at best.
Mark, I'm not callin' BS on you (yet) but all of the publicly available information suggests the Insurint is a wholly owned subsidiary of Health Benefits Direct. To characterize it as a "separate corporate entity" is misleading - at best.
Not trying to mislead, M&M. Just trying to prevent a misleading statement.
HBDT is the corporate entity that owns the call center (HBD), Atiam, and Insurint.
Is Insurint owned by "Health Benefits Direct"? Yes, to the extent that HBDT stands for Health Benefits Direct II, the corporate holding entity. NO, if you are saying Insurint is owned by the call center with the name Health Benefits Direct.
It's an important distinction. The call center does not own nor does it manage, plan or control operation of Insurint. It has the same influence as any of Insurint's customers.
Simply saying "Health Benefits Direct owns Insurint" gives an erroneous impression that the call center owns Insurint, since Health Benefits Direct is known primarily as a call center. It is that impression I was seeking to correct.
Sorry for confusion and thank you for helping me to clarify.
Last edited by Mark from WI : 01-07-2009 at 04:41 PM.
Can you turn off the "show only plans with maternity" option from the front end quotes or is this still HARD coded? In other words when any female under 40 clicks the radio button it shows NO plans , since maternity outside of California is very difficult on the individual market.
Has this ever been addressed?
Joe,
My apologies for the late reply. It appears that I did not properly subscribe to this thread.
We have added an alternative information entry page that leaves the "show only plans with maternity" option off. We also have the ability to create (or you may) a custom information entry form on your website which will simply ask for the fields that you dictate. Please email me if you would like an example of this.
Has anyone ever tried to get out of Norvax's 12 month contract? I have 5 companies that I represent in 2 states but only one is competitive. Because of this I have been emailing applications from their website which is free and would like to drop Norvax until it makes sense to actually have it. Any ideas?
For those of you in MO, KS and IL, and soon to be OH, TX, FL, WI, and IN there is another option. If you want to keep more of the commission that you earn, as opposed to giving it to companies that quote the coverage, check out CommissionBuilder.com. We don't do drip marketing, but we also don't press your shirts. Do you need somebody to sell for you, or is that your job?
Just checking.
You can reach me direct at 913-220-2628. Plase call if you have any questions.
Re: Norvax vs Quotit
One inaccuracy, we DO in fact already have Life quoting, have had it for some time (since version 1.1415926 (our "pi" version).
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