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Is anyone having success working with a med supp carrier/carriers that have good rates but not the most competitive.
In my state a couple of the bottom of the barrel ones are in trouble so they are not much to compete with. However, AARP is by far and away the most competitive on Plan F, maybe 600 a year less than even the carriers with middle of the road rates. (I am in a community rated state, I do understand that AARP are not good elsewhere but that is not my case)
Humana also has highly competitive rates but they dont pay enough to cover your gas so they are out of the question.
AARP commissions are also el sucko.
On the other hand and on the downside for them, AARP has a pre X period for those who can't get around it. And AARP's plan G rate is not any better than some of the other companies such as Mutual of Omaha and in addition they have a pre X period as noted. Problem is their Plan F is only a 100 more.
What do you pros make of this selling environment scenario? Is anyone doing well with a carrier that has high name recognition such as Mutual of Omaha, good Plan G rates but only so-so Plan F rates. Or, do you end out severely handicapped in the long run if you are only offering good rates but not the absolute most competitive?
Comments please.
Winter
In my state a couple of the bottom of the barrel ones are in trouble so they are not much to compete with. However, AARP is by far and away the most competitive on Plan F, maybe 600 a year less than even the carriers with middle of the road rates. (I am in a community rated state, I do understand that AARP are not good elsewhere but that is not my case)
Humana also has highly competitive rates but they dont pay enough to cover your gas so they are out of the question.
AARP commissions are also el sucko.
On the other hand and on the downside for them, AARP has a pre X period for those who can't get around it. And AARP's plan G rate is not any better than some of the other companies such as Mutual of Omaha and in addition they have a pre X period as noted. Problem is their Plan F is only a 100 more.
What do you pros make of this selling environment scenario? Is anyone doing well with a carrier that has high name recognition such as Mutual of Omaha, good Plan G rates but only so-so Plan F rates. Or, do you end out severely handicapped in the long run if you are only offering good rates but not the absolute most competitive?
Comments please.
Winter