INA commision vs ACE

[LostDollar]

How are their rates, they aren't showing up on CSG yet.

Because of the way they ended ACE, I wasn't planning on using them anyway.

Kansas 80yo Male NT
G Ace 2566.88 ina 3179.19
n Ace 1908.98 ina 2088.24

 

[Winters Ins Agcy]

Well it looks like it's starting.
Others chime in on your state
This is for Oklahoma 65-79 underwritten business commissions cut 50%.10ish depending on contract.
79 and above looks like commision cut 1 pt.under above
Birthday Rule/GI $25 flat fee.
Will allow ACE to INA unwritten for new reduced commission.
No spouse discounts if one on ACE and one on INA

My contract is 10% across the board, OE, UW, Bday rule and GI. Rates though are high. Would be a hard sell. I'm out on INA.

 

[goillini52]

My contract is 10% across the board, OE, UW, Bday rule and GI. Rates though are high. Would be a hard sell. I'm out on INA.

So, maybe use them only for GI.

 

[Winters Ins Agcy]

So, maybe use them only for GI.

I'm not sure that the client would be getting a lower premium. In any event, I certainly wouldn't be doing what's in the client's best interests.

 

[goillini52]

I'm not sure that the client would be getting a lower premium. In any event, I certainly wouldn't be doing what's in the client's best interests.

You'd only write GI, when that's the only option(bad health).

Stick it to ACE/CHUBB for their 48% premium increases.

 

[GoPokes]

My contract is 10% across the board, OE, UW, Bday rule and GI. Rates though are high. Would be a hard sell. I'm out on INA.

they have positioned the product to be slightly more competitive than Bcbs on rates, and less attractive on commissions. they know exactly what they are doing

 

[Millwood]

Oklahoma $25 for BD.
I'm afraid Blue Cross will absolutely blow up for 2026. They have stood tall and proud taking most of Oklahomas' BD rule business. At least they pay on rate increases. They usually file in October.,......we shall see.

AARP/UHC has filed for 29% on plan G with their new UHICA block.

 

[GoPokes]

Oklahoma $25 for BD.
I'm afraid Blue Cross will absolutely blow up for 2026. They have stood tall and proud taking most of Oklahomas' BD rule business. At least they pay on rate increases. They usually file in October.,......we shall see.

AARP/UHC has filed for 29% on plan G with their new UHICA block.

I got my commission schedule as an attachment to an email on July 1. Im not sure if I got it at that time because that's when I signed the agreement, or if that's when everyone got it. But if you search your email for "AIMC" you will likely find it in there quickly.

On page 2, In the box for OK and WY, it says what your % is for your schedule, im guessing its about 10%, (or close to it), but under that it says this at the bottom...

"Compensation for Under age 65 Disability & GI (Guaranteed Issue) business will be paid at a one-time flat rate of $25"

"Compensation for Birthday Rule business pays same as standard rates. Pays on rate increases and/or attained age increases"


So I would interpret that to mean the BD business pays 10% or so. (My level is a slightly different level). I hope im not posting more than I should be on a public forum lol

 

[Winters Ins Agcy]

I got my commission schedule as an attachment to an email on July 1. Im not sure if I got it at that time because that's when I signed the agreement, or if that's when everyone got it. But if you search your email for "AIMC" you will likely find it in there quickly.

On page 2, In the box for OK and WY, it says what your % is for your schedule, im guessing its about 10%, (or close to it), but under that it says this at the bottom...

"Compensation for Under age 65 Disability & GI (Guaranteed Issue) business will be paid at a one-time flat rate of $25"

"Compensation for Birthday Rule business pays same as standard rates. Pays on rate increases and/or attained age increases"


So I would interpret that to mean the BD business pays 10% or so. (My level is a slightly different level). I hope im not posting more than I should be on a public forum lol

Yeah I'm pretty sure BD rule comp in OK is 10%.

 

[Winters Ins Agcy]

Has anyone ever seen a carrier impose a zip code rate factor increase on in-force policies? That doesn't seem kosher. It's turning a 28% rate increase into a 40% overall rate increase in OK.