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I will speak only for Georgia based groups.... which is a fairly sophisticated market (except for small employers). They believe that buying group insurance is like buying a copier... get three knuckle-head brokers in and fire the starting pistol and have 'em "bid" for your business.... best price wins..... 'cept we all know that game and how it doesn't work that way.
SERVICE is a key issue for most small group producers.... you have to deal with claims, billing..blah, blah, blah... sort of like writing 10 individual products at once for 4/5th less commission.
All the aforementioned entities are consolidators... I used to work with Rogers Benefit Group 20 years ago and they were great... but they simplified your life by packaging/preparing quotes, enrollment assistance and that's about it. The nuts and bolts of small group is the 24x7 service that you'll be expected to provide.
In other words, you have to look at these guys as simply saving you time on packaging 8 carrier quotes together and making it look pretty. After that, there is little they provide in terms of support to the CLIENT. THEY support YOU.
QuoteIt is coming out with Group modules pretty soon in various states, so if you're a client, I would look forward to that......
You can certainly get the carrier rep's to do the work for you.. just email them the census and they'll do the quoting.... then you're left with consolidating the quotes and packaging it into someone that can be presented.
Again, if you're going to do this and simply sell product... I suggest you'd do better NOT selling health products and simply sell the voluntary lines.... a lot more money and less hassle.
.....I bought a package of powdered water the other day, but couldn't figure out what to mix it with!!!!!
SERVICE is a key issue for most small group producers.... you have to deal with claims, billing..blah, blah, blah... sort of like writing 10 individual products at once for 4/5th less commission.
All the aforementioned entities are consolidators... I used to work with Rogers Benefit Group 20 years ago and they were great... but they simplified your life by packaging/preparing quotes, enrollment assistance and that's about it. The nuts and bolts of small group is the 24x7 service that you'll be expected to provide.
In other words, you have to look at these guys as simply saving you time on packaging 8 carrier quotes together and making it look pretty. After that, there is little they provide in terms of support to the CLIENT. THEY support YOU.
QuoteIt is coming out with Group modules pretty soon in various states, so if you're a client, I would look forward to that......
You can certainly get the carrier rep's to do the work for you.. just email them the census and they'll do the quoting.... then you're left with consolidating the quotes and packaging it into someone that can be presented.
Again, if you're going to do this and simply sell product... I suggest you'd do better NOT selling health products and simply sell the voluntary lines.... a lot more money and less hassle.
.....I bought a package of powdered water the other day, but couldn't figure out what to mix it with!!!!!