What Plans Do You Quote when You Can't Reach a Prospect?

dgoldenz · 01-13-2009, 01:37 PM

What plans do people here typically include in e-mail quotes for Norvax/Quotit when you call a prospect and it goes to voicemail? I always leave a voicemail, but also send an e-mail quoting copay plans with $2500 deductibles so I can get my name in front of them (yes, I know 4 other agents just did the same thing).

I am afraid that if I quote lower deductibles, the premiums may scare off the prospect, but on the flip side, if the deductibles are any higher, they won't bother to inquire further because they are used to a group plan with a $500 deductible and $15 copay. I would think it would be a little rough quoting HDHP's and then having to explain it later when they ask for a quote on a copay and it's twice the price (or more).

So that begs the question.....what does everyone else here send out? Any input is appreciated, thanks.

Expat · 01-13-2009, 02:01 PM

If you use Norvax or Quotit just sent them a link.
Otherwise No quotes.
In your email just say that you represent many companies and have numerous plans. Until you speak to them you are not able to provide a quote, as you have no idea as to what kind of plan they may be looking for.

dgoldenz · 01-13-2009, 02:03 PM

Originally Posted by Expat

If you use Norvax or Quotit just sent them a link.
Otherwise No quotes.
In your email just say that you represent many companies and have numerous plans. Until you speak to them you are not able to provide a quote, as you have no idea as to what kind of plan they may be looking for.

This sounds like a good idea in theory to get them on the phone but I would think in this day and age where people want instant results and numbers that they would just ignore the e-mail and look at the quotes that another agent sent them.

Expat · 01-13-2009, 02:07 PM

Originally Posted by dgoldenz

This sounds like a good idea in theory to get them on the phone but I would think in this day and age where people want instant results and numbers that they would just ignore the e-mail and look at the quotes that another agent sent them.

It is not theory. It works.

dgoldenz · 01-13-2009, 02:16 PM

Originally Posted by Expat

It is not theory. It works.

Couldn't hurt to try I suppose...maybe I'll give it a shot. Anyone else have any suggestions?

djs · 01-13-2009, 05:30 PM

Well, if you are using Norvax/Quotit, send them a link and let them quote. That is more appealing to most people than somebody's guess at what they want.

You have to emphasize that they can go to the site and get actual quotes, since they thought that is what they did before you tried to call.

You also have to realize they just purused the ehealth site and saw the same info. Not much hope in a sale just by throwing quotes at them.

Dan

The New Guy · 01-13-2009, 07:45 PM

I send an e-mail with a range of plans and options.

I try to send between 8 to 12 plans.

I explain in the e-mail that this is a sample of what's on the market, and once I get in touch with them I can better explain their options and costs available to them.

I also include my cell phone number, and let them know I'm available nights and weekends as well.

Just got done with my 6:30pm appointment, and took a call from another potential client a few minutes ago at 7:37pm.

This is what has been working for me.

YMMV

bluemarlin08 · 01-13-2009, 09:27 PM

I NEVER send a quote without talking to them, period.

somarco · 01-13-2009, 09:32 PM

I send 6 - 8 plans, a few $2500 copays, a Monogram, a couple of HSA's and maybe a $5000 copay. Tell them they can view about 140 plans thru my link and if that isn't enough I have 3,000 more.

I promise to call soon but invite them to look around my site and kick the tires. I figure while everyone else is beating down the doors I will let the dust settle a bit before wading in.

That approach has been working for a while now.

Houston1969 · 01-17-2009, 12:03 AM

I send them three plans based on their age

Under 30: (Texas) Pretty much stick with BCBS SelectChoice

31-50: two $2500 plans and one $5,000

Over 50: Show the $5,000 and $7000+ (100%)

Let them know these rates are based on age and BMI...and if they would like to set up a time that week give me a call

somarco · 01-17-2009, 07:12 AM

I used to qualify my quotes based on lead info. Give them a quote, give them an idea of what to expect and send it out.

That turned out to be a disaster.

Even qualifying a quote by warning them rates can change based on general health or medical condition is just about as bad.

Most folks, particularly those rolling out of employer plans (where I get the bulk of my clients) think they can go anywhere and buy anything at quoted rates.

They don't get advice from eHealth so why should I be different?

Now I send them info, send some follow up emails and of course call. Mostly generic stuff but informative, letting them now a little (but not too much) about the underwriting process. Kind of like playing a fish with a lure.

I don't give them all the info until they are swimming around the bait.

Since most agents just quote, send a link to an app and then say goodbye, it is up to me to differentiate myself as much as possible without giving away everything for free.

rego · 01-27-2009, 07:35 AM

Actually, no quotes