- 748
$10,000 to $25,000 deductibles
- Thread starter joshril
- Start date
- 159
You guys see it too? Damn. I better call off the Orkin man.
That would be OTTO the Orkin man . . .
- 748
We need the Stibroker avatar over here, that would take care of the bug.
- Thread starter
- #15
- 1,328
I think self-insuring would be kinda silly considering how low the premiums are on a policy like this.
Let's say you have several million in assets. A $25k or even a $50k medical bill may not be a huge concern, but what if you had a situation where the bill got into the hundreds of thousands or millions of dollars?
I think a lot of doctors, lawyers, etc. like the piece of mind of having the catastrophic, top-end protection, but not having to spend a lot on premiums.
Of course, all of this depends on the amount of assets and risk tolerance of the clients.
- 159
I should have been clearer. I was thinking more in line with the old stop-loss structure, i.e. very high deductible, then 100%. Do insurance companies custom design policies any more?
As for the $25,000 to $50,000 "gap," close that gap with some DI, CI, and/or AI. Just a thought.
As for the $25,000 to $50,000 "gap," close that gap with some DI, CI, and/or AI. Just a thought.
- Thread starter
- #17
- 1,328
I gotcha! Assurant's MaxPlan has a 100% option after a $10k, $15k, or $25k deductible I believe.
Pricing looks reasonable.. even in TX.
- 159
That's the ticket. Great sleuthing.
- 14,809
Joshril - aren't you offering Assurant contracts?
- Thread starter
- #20
- 1,328
I offer an Assurant contract, but in no way is it my primary company. Why?
