How Much Do I Need to Say I Weigh?

January 10, 2007 by bob.

Q. You quoted me a rate that was quite attractive based on the plan I selected. Now that I am submitting an application you are quoting a higher rate. What gives?

A. The initial rate was my best estimate based on data you provided in response to my questions. Once you filled in the application & faxed it to me, your spouse’s weight changed to a higher figure. That kicked her out of preferred rate bands into a standard rate band which is about 10% higher.

You asked how much she needed to weigh to qualify for preferred rates & I provided the range. You then asked if I can change the weight on the application before submitting to the carrier.

I cannot, nor will I do so.

A falsified application gets’ all of us in trouble. Eventually the carrier will find out the weight was misstated and back bill you for the premium difference.

Preferred rates are for preferred risks. I don’t make the rules, I just help to enforce them.

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