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Price of insurance products
I read a lot of complaints about service with insurance companies. I own a boutique insurance brokerage company and have 20+ years of multinational experience.
Bottom line, you get what you pay for. Don't complain about service and poor benefits if we looked for the chaepest deal on the internet.
All insurance companies have armies of actuaries schooled at pricing products. They all come up with the same actuarial price, +/- 10%.
So what? Well if you find a product 30% less expensive than the competition, there is probably a reason (or many): limited coverage, fine prints, poor availability of doctors or hospital the coverage (a bit like the cell phone provider), etc.
Also there is a price to be paid for piece of mind: buy a product admitted in the state where you plan to go (or your parents are coming), and froma broker licensed in that state. If you don't, then you have no recourse. And don't complain.
Any question, I'd be more than happy to help.
Bottom line, you get what you pay for. Don't complain about service and poor benefits if we looked for the chaepest deal on the internet.
All insurance companies have armies of actuaries schooled at pricing products. They all come up with the same actuarial price, +/- 10%.
So what? Well if you find a product 30% less expensive than the competition, there is probably a reason (or many): limited coverage, fine prints, poor availability of doctors or hospital the coverage (a bit like the cell phone provider), etc.
Also there is a price to be paid for piece of mind: buy a product admitted in the state where you plan to go (or your parents are coming), and froma broker licensed in that state. If you don't, then you have no recourse. And don't complain.
Any question, I'd be more than happy to help.
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