caesarnemo
New Member
- 2
Hi guys I'm a new health insurance broker and considering adding critical illness and/or accident insurance to my product offerings. The way I see it I have three options:
1) Try to sell it directly perhaps as a rider on a primary health policy.
2) Try to work out an affiliate deal with an online marketplace like ehealth.com to get commission from each policy sold through my referral.
3) Not offer accident or critical illness at all and focus on my primary policies.
I recently read this on the OptimaRe website about the benefit of critical illness and how its one of the fastest growing categories in insurance commissions:
"Critical Illness sales are growing faster than nearly any other insurance product. The reasons for this are many, but clearly one of the drivers for demand would be increased health insurance pressures caused by more employers moving to high deductible health plans (HDHPs) and employees acting to plug the gaps in their health coverage."
In other words why or why not are you selling accident or critical illness insurance?
Thanks,
Caesar
1) Try to sell it directly perhaps as a rider on a primary health policy.
2) Try to work out an affiliate deal with an online marketplace like ehealth.com to get commission from each policy sold through my referral.
3) Not offer accident or critical illness at all and focus on my primary policies.
I recently read this on the OptimaRe website about the benefit of critical illness and how its one of the fastest growing categories in insurance commissions:
"Critical Illness sales are growing faster than nearly any other insurance product. The reasons for this are many, but clearly one of the drivers for demand would be increased health insurance pressures caused by more employers moving to high deductible health plans (HDHPs) and employees acting to plug the gaps in their health coverage."
In other words why or why not are you selling accident or critical illness insurance?
Thanks,
Caesar