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Peelerinsurance.com said:John... Split the family up b4 issuse, submit onlne as one, get letter from client requesting split policies... do the same for rated conditions. This not only helps for the cost of the policy, but gives you more app count
Just a thought, but I have been doing it like that for a year and had NO problems... the key is to get the letter to seperate B4 the policy is issued
That won't do the trick. Take a case I just had - $512 premium and a rating of 25% on the wife - family of 4. In this case the premium, if all left on the same plan, would have been $640.
Now, split the case. It's STILL the same family rate of $512 even though there's three members. Now the wife has her own premium of $186 + 25% = $232. So add the $232 to $512 and they're actually worse off by splitting.
The only way a split would work if it were a family of three. Then seperate the wife and you have "male/child" rates" plus the wife instead of still having a family rate.