Hartford previously marketed the program exclusively through AARP direct by offering rates and underwriting much more favorable than they offered through their own appointed agents. I am a Hartford agent and we have lost business to “AARP Hartford” because of this. Now a very few “select” agents will be able to market the AARP product. Contrary to buying meat in a meat market, I think you will find Hartford’s definition of “select” has more to do with quantity than quality.
You are 100% correct, Mr Bendover
In a street-walkers market, “you betcha, (wink-wink), they’ll do whatever they want for that VOLUME book of business, coming from 1-800 calls and Readers Digest mail-in cards.
Disgusting!
-But most of the seniors have hidden operators & aarp/htfd is blind to this
And from the Company side, we laugh at the number of Independent agents who continue to feed Hartford blindly, while Hartford chooses to compete against them. And why? Because Hartford will write just about anything, they are cheap, and they don’t underwrite. That is what agents want.
As an independent agent, the channel sales for agents and carriers is very similar. I never got to excited about insurer’s targeting a reduction in cost of sales (me) because 9 out 10 consumers still want to buy from a person.
I chuckle about that line every time the ad comes on the tv. Bulletproof logic there.
Greed again….Compete against the appointed agents….
I must have missed something CSP…how would they be competing against appointed agents?
Hartford previously marketed the program exclusively through AARP direct by offering rates and underwriting much more favorable than they offered through their own appointed agents. I am a Hartford agent and we have lost business to “AARP Hartford” because of this. Now a very few “select” agents will be able to market the AARP product. Contrary to buying meat in a meat market, I think you will find Hartford’s definition of “select” has more to do with quantity than quality.
This pilot has bee well documented for some time. Check out the commission provisions before assuming anything.
You are 100% correct, Mr Bendover
In a street-walkers market, “you betcha, (wink-wink), they’ll do whatever they want for that VOLUME book of business, coming from 1-800 calls and Readers Digest mail-in cards.
Disgusting!
-But most of the seniors have hidden operators & aarp/htfd is blind to this
And from the Company side, we laugh at the number of Independent agents who continue to feed Hartford blindly, while Hartford chooses to compete against them. And why? Because Hartford will write just about anything, they are cheap, and they don’t underwrite. That is what agents want.
As an independent agent, the channel sales for agents and carriers is very similar. I never got to excited about insurer’s targeting a reduction in cost of sales (me) because 9 out 10 consumers still want to buy from a person.