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EXACTLY, EXACTLY, EXACTLY
Most clients will take the premium increase or waivers, rather than go through the hassle of re-applying.
E-Health Insurance.
- Thread starter Expat
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EXACTLY, EXACTLY, EXACTLY
Most clients will take the premium increase or waivers, rather than go through the hassle of re-applying.
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- #12
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News flash - most people would rather roll around in broken glass then spend 10 seconds talking to an insurance agent. The second they find out they can quote and apply that's what they're gonna do. You could pull off the same think using Norvax if you have $100,000 a month to spend like Ehealth probably does.
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I did a version of it with an AdWords campaign and one time was bidding enough per click that I was second to Ehealth - of course, only in my area, not nationwide. I got a lot of leads and when I did the math and the dust settled they were the most expensive leads known to man:
1) Client's putting in either no phone number or a fake one
2) No email or a fake one
3) Uninsurable
4) Went into many sites for quotes - so I'd think the lead was exclusive yet 10 other agents were calling
5) A lot of young singles with zero interest
6) Couldn't contact about 60% of them - no answer for phone, won't respond to email.
etc....Not that I didn't make a profit - I did. But it was simply a headache and unlike internet leads, there's no return policy.
1) Client's putting in either no phone number or a fake one
2) No email or a fake one
3) Uninsurable
4) Went into many sites for quotes - so I'd think the lead was exclusive yet 10 other agents were calling
5) A lot of young singles with zero interest
6) Couldn't contact about 60% of them - no answer for phone, won't respond to email.
etc....Not that I didn't make a profit - I did. But it was simply a headache and unlike internet leads, there's no return policy.
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Can I have the money anyway?????
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I asked an EHealth rep today what the difference was in buying from someone local vs. buying from EHealth. He said that a local agent is paid by commission and will try to always sell me the most expensive policy.
He also quoted me a rate WITHOUT ASKING ONE MEDICAL QUESTION.
I hope Ohio bans them.
He also quoted me a rate WITHOUT ASKING ONE MEDICAL QUESTION.
I hope Ohio bans them.
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A lot of carriers I deal with have small departments to handle Ehealthinsurance.com apps. They have 0 customer service. After someone applies they never speak to them again.
eHealth is designed to peddle apps. Same for most of the other boiler room operations. Persistency is not a concern. Accuracy of the quote is not a concern. Trying to match the clients medical history with the right carrier is not a concern.
On average, I replace eHealth business every other month. Not a lot but enough to make me wonder just how many folks they screw.
Wrote a guy last month that bought from one of the FL boiler rooms. He got the GR HSA. The guy he talked to in FL sent him a few quotes with links to the app. Nothing more. He completed the app without assistance. Two weeks later the policy came in from GR . . . with a rider.
He didn't realize the policy had a rider until a month later when he was reading thru it. The FL agent never told him there was a possibility of a rider. Never called to tell him the policy would be issued with a rider. Never did anything beyond talking on the phone for less than 10 minutes & sending a link.
The rider was for back & neck spasms.
Seems he had some tension associated with leaving his job and going self employed. He had one visit to a chiro and that was it. No follow up treatment. No meds. A single episode 3 months before applying for coverage.
He put that on the app.
GR ridered it.
I placed him with Time with full disclosure. Got him preferred with a 3 year rate guarantee.
He thinks I hung the moon.
On average, I replace eHealth business every other month. Not a lot but enough to make me wonder just how many folks they screw.
Wrote a guy last month that bought from one of the FL boiler rooms. He got the GR HSA. The guy he talked to in FL sent him a few quotes with links to the app. Nothing more. He completed the app without assistance. Two weeks later the policy came in from GR . . . with a rider.
He didn't realize the policy had a rider until a month later when he was reading thru it. The FL agent never told him there was a possibility of a rider. Never called to tell him the policy would be issued with a rider. Never did anything beyond talking on the phone for less than 10 minutes & sending a link.
The rider was for back & neck spasms.
Seems he had some tension associated with leaving his job and going self employed. He had one visit to a chiro and that was it. No follow up treatment. No meds. A single episode 3 months before applying for coverage.
He put that on the app.
GR ridered it.
I placed him with Time with full disclosure. Got him preferred with a 3 year rate guarantee.
He thinks I hung the moon.
insureman07
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