I work for an agency and we only sell Assurant. There's a guarantee issue that's coming up on the horizon, but mainly just Assurant. Anyway, when we do a presentation and we take a look at our competitors we work through the high price by pointing out that they have a singular pay loophole. Depending on the carrier the singular pay loophole basically says that in a situation where you have multiple surgeons (like a car accident or serious major surgery) the insurance carrier will pay 100% for the first surgeon and a fraction for all other surgeons (usually that fraction is half). We also tackle the "allowable" charge and the reasonable and customary charge. We have a huge binder where we carry copies of all the policies. My question is, as insurance agents have any of you collected a lot of stories where these loopholes have caught somebody in the wallet? Obviously we have several.