Health insurance

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Apr 12, 2009 6:54 pm

I run into quite a few prospects and even clients whose No. 1 need is health insurance. For example, 62-year-old man wants to retire but will lose his company health insurance and is not yet qualified for Medicare.
How do you advise in such situations? Maybe find an independant health insurance agent who doesn't do investments and steer them that way?


Apr 12, 2009 7:25 pm

You got it...........Find a Blue Cross Indy and do some cross referrals. This is what I do and it works great.

Whatever you do, do not get into the Health Insurance business. It is an instant way to pee-off your clients. Too many rate increases and taking calls about lack of coverage doesn't appeal to me.
Just send them to someone that will.....in turn.....send someone to you. Tell your clients that you know this guy/gal and you think they do a good job. I leave it at that.
Apr 12, 2009 9:43 pm

When you refer your client to someone, remind them that there are NO SPECIAL DEALS in health insurance.

 
It is truly a commodity and it is what it is.