Realtor Insurance

[saieddie]

From this article Realogy : Realogy Delivers Healthcare Options To Brand Affiliates
it looks like these 3 companies (AFID LLC, AIM, and HM Insurance Group)have found a way to offer group benefits to 1099 employees. So far, it looks like pretty crappy coverage, but I'm not familiar with the companies. Anyone run into these plans before?

 

[somarco]

Group health insurance for realtors is relatively easy. Several carriers will cover them including Blue & Allied.

 

[Newby]

Group health insurance for realtors is relatively easy. Several carriers will cover them including Blue & Allied.

Will any cover insurance agents?

 

[arnguy]

In the Philadelphia, PA area I can write insurance agents on a BX group plan (as a sole proprieter) only if they have the following designations: CLU, CEBS, ChFC, or CPCU. Also, there is now an individual BX HMO plan available to all, but it is underwritten. In norheastern PA, I can write BX on all insurance agents without underwriting.

 

[somarco]

Will any cover insurance agents?

Some will. Depends on the state (especially in dealing with Blue).

The policy is issued to the agency. Must have at least 2 W2 employees. The 1099 employees covered as a separate class.

 

[The New Guy]

BX group plan (as a sole proprieter)
In norheastern PA, I can write


Back on duty.

 

[arnguy]

Glad you are back on duty, New Guy! My keyboard allows only 1 "t" In each word.

 

[arnguy]

BTW, New Guy, in this section of the woods we refer to heavy storms as
nor'easters. So naturally it is really difficult for me to spell northeastern.

 

[saieddie]

Group health insurance for realtors is relatively easy. Several carriers will cover them including Blue & Allied.

Are you talking about a small group policy or an individual agent who is a sole prop?
I've got good small group plans, I was wondering if these affinity group plans were worth anything?

 

[somarco]

Most affinity group plans are not true group but an endorsed street product, individual major med. Same deal as anyone can get going direct (or thru a broker). Same plan, same price, same underwriting.

World has some new affinity plans. Haven't paid much attention to them. I am pissed at World (again). From the preliminary discussion with them their affinity plans are similar, but different from street products. Still have the same underwriting which sucks.

You can write true group on real estate agencies and insurance agencies with SOME carriers. Generally you must have 2 full time W2 employees and 2 or more 1099 employees.