Better Rates?

Q. I have been looking online and talking to several agents about health insurance. Many of them quote rates that are much lower for the same coverage as you are quoting. Why are your rates so much higher?

A. My rates aren’t higher, they are accurate, based on the data you gave me. I did not quote you preferred rates because your weight exceeds the guidelines for the carriers we have discussed and you use maintenance medications. Assuming you are looking at the same benefits, my rates have been adjusted to reflect the anticipated underwriting loads. In other words, the rates quoted are more closely aligned with final rates from underwriting.

Anyone can quote a “cheater” rate but then you will be very disappointed when you finally get an offer from the carrier.

Is it better to know going in what your rate & terms will be, or would you rather be disappointed?

This entry was posted on June 12, 2006 at 7:29 pm and is filed under Uncategorized. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response or trackback from your own site.

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