- 14,808
Well if you don't think $344 with Aetna is a lowball then come talk to me in a few years. I bit down on the carrot with Aetna in '04 and now I look like a jackass to my clients. I like selling my clients policies - not renting them.
Assurant Fined
- Thread starter somarco
- Start date
- 10,275
Agreed. Fortunately, my retention ratio is one of the highest of active agents in this area. Certainly, some of that is due to most agents not staying in the business as long as I.
Aetna's policy has less coverage than most others, which is why they're not our #1 choice...even at those rates.
Aetna, of course, has the goofy 5-year rate band, that nobody else has in Ohio (exc. Nwide). When a 44 year-old has a renewal...they get hammered twice!
- 14,808
Exactly. It didn't take me too long to see that clients simply want to say with the coverage you sold them. That's one of the reasons I'm pro-Assurant because the 10% healthy discount is nice, plus the renewal options other companies don't offer. I had a block of GR business but same crap - hammered at renewals with no escape route. So for me it's not about who's the cheapest. It's about who I can sell that clients can stick with for years and years.
How long you been selling health? You sound like you really know your stuff inside and out. Pretty rare.
How long you been selling health? You sound like you really know your stuff inside and out. Pretty rare.
- 10,275
For about 26 years...In the old days...MetLife and Pru offered individual plans. Great coverage and average rates. But both got out in the 80s.
I concentrated a bit more on the health side in the late 90s.
I concentrated a bit more on the health side in the late 90s.
- 14,808
Lord - a real health insurance pro! I've only been at it since '03 so I bow to your wisdom.
- 10,275
No...I beg to differ. Your posts are usually the first ones I read on this Forum and you have taken the time to return all of my emails with great information.
Your info has been priceless.
Your info has been priceless.
- 14,808
A lot of people helped me and asked nothing in return. I'm always happy to return to favor.
- 14,808
Sorry. It's like Ice Age where you think you're only Mammoth then discover a heard. I know there's a lot of agents out there kicking butt selling health, but it's nice to actually meet some. It's a downer talking to people who go: "I got 50 leads and haven't close a deal."
- Thread starter
- #20
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