Favorite health carrier

[The Rabbi]

Golden Rule has been the best rates in Fl with fast service. They don't rate up like Humana.

 

[indmedins]

Whichever one will take all the sick people I talk to on a daily basis.

 

[somarco]

They don't rate up like Humana

Sometimes a rate up is preferable to a rider.

You need to understand risk before you get into that kind of evaluation.

 

[Crabcake Johnny]

Golden Rule has been the best rates in Fl with fast service. They don't rate up like Humana.

I don't generally recommend to my clients that they sign riders.

 

[somarco]

I don't generally recommend to my clients that they sign riders.

Then how do you justify using Time?

Every client I have with Time, and there aren't that many, have riders.

 

[Crabcake Johnny]

CSD's in MD - rate up for HBP, Cholesterol, Anxiety, Depression, etc...No one signs a rider with me anymore - off to MHIP

 

[somarco]

You seem to have a unique situation in MD.

That is the only state where they are competitive and they do not use riders.

Good for you.

 

[Crabcake Johnny]

'tis true - they do not issue riders here - very very rarely - then I'm off to MHIP. Assurant loves MD - 3rd most profitable state for Time and they are going to really be focusing on MD biz.

I can't see how agents don't have maternity issues. When I ask about future pregnancies about 30% say yes - GR's out of the picture - Aetna blew the rates out in '06 - it's all Assurant for maternity cases.

Assurant obviously blew the MD rates out - but gave us a decrease a few months back - then a nice one coming in July and they'll be back in the game here.

 

[bluemarlin08]

I wish that would happen in Tennessee.

 

[padthaiforlunch]

Golden Rule because they make their members join a buyer's club (Federation of American Consumers). The thought of being spammed by affiliates and whomever else fact sells their list to simply thrills clients.