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CA
Can you sell the exact same policy for $100 more a month in CA (ie. Assurant vs. Blue)? I don't know. You mention "Assurant" and people back off because they have never heard of it. We are inundated with media for the Blues and Kaiser... and no one in CA can think for themselves. Peer pressure rules here, IMO, and celeb endorcements are very powerful. CA if its own country and is just not like the rest of the USA in so many respects. That's sometimes a good thing, but not always.
Al
Don't know about all that. I did around $14,000 in Assurant last week and not one of my clients heard of them. I know Mike Golden is doing an Assurant app every day in Florida and if you ask him I doubt a single client has heard of them. In fact, over $600,000 in Assurant production three years in a row and maybe 3 or 4 of those client ever hear of them. Are they price cometitive in every state? No. That's fine, but don't use the excuse the people haven't hear of them as a barrier to the sale. It's not. I'm at 2 Assurant apps so far this week and I gave the company history to both of them. Again, if Assurant's rates are too far out of whack that's understandable. Everyone's heard of McDonalds but it doesn't mean they have quality food and service.
I'm not going to recommend any plan that doesn't fit in my clients budget. If it's a family in their 50's, both smokers and they need to be in the 400's I'm not looking at Assurant.
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