Today was interesting.  Called someone who had expressed interest in finding health insurance.  When he realized I was an insurance agent, he claimed that he was not the person I was looking for.  Must have had the wrong number.  Get’s better.  Another call was to a young lady who was also in the market.  Got upset that she was running out of minutes, so she would not be able to talk.  Click.  Then I got a message from a blocked number that us insurance agents need to get a life, to stop *expletive* calling, they don’t want any *expletive* insurance.  Still trying to figure out who not to call.  : )

The point is, I am not upset, angered, or annoyed by any of this.  It comes with the territory of being in sales.  What I have never understood, is why.  Why take the time to claim you aren’t really you?  Or go through the trouble to curse out my voicemail?

We are all busy.  Understandable.  The onslaught of phone calls that one gets while researching insurance is crazy.  There are agents that make it bad for the rest.  They focus more on getting their pitch in, rather than actually listening to the client.  Who wants 8 or 9 phone calls like that?  Surely not me.

There has to be a better way.  Maybe it comes from the insurance agent being less about them and more about the client.   Asking questions that helps the client understand that we are not wasting their time.  Then, just maybe, they won’t have to waste energy coming up with creative ways to not talk to you.

B

Follow me on Twitter:  MICHInsurance

Originally posted 2009-07-23 09:01:16. Republished by Blog Post Promoter

Many people immediately balk at the mention of insurance plans with high deductibles of $5,000 or more.

Why do I need insurance if I have to pay $5,000 out of my own pocket before anything is covered?

Common misconception, and many people are simply uneducated about the higher deductible plans, and how they may actually benefit them.

• These plans are ideal for the healthy, self-employed, and active individuals who don’t frequent the doctor more than once a year.
• Most high deductible plans feature at least one annual doctor’s visit per year without dipping into the deductible, and also discount prescriptions if you do happen to need them.
• The higher deductible makes the monthly premiums much more affordable, and in many cases allows you to save more money using an HSA (Health Savings Account).
• They offer protection against major illnesses and accidents, and the peace of mind that comes with knowing you are protected.

I personally view high deductible plans as an opportunity for people to take their health more seriously, and to take ownership and responsibility for their lifestyles.

Stop smoking, lose that weight, check your skin for suspicious moles, do self-breast exams, run that race you have been putting off.

Do your part to insure that you do not need to dip into that high deductible, and take ownership of your health.

What are your thoughts on high deductible insurance plans?  Is it something that you have considered?

Originally posted 2011-02-10 15:04:29. Republished by Blog Post Promoter

Only you can determine what will be the best for yourself and your family.  The following highlights will get you started on the decision making process.

How do you determing what type of coverage is best?

Think about your lifestyle.  Who are you?  Single, married, empty-nester?  How would these factors affect your coverage?

• A young single employee
• A family with young children
• Spouse has other coverage
• An individual with a dependent living away from home
• An individual with chronic health problems