Visit these links to start your educational journey.

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PostPosted: Tue Jan 22, 2008 4:59 am   Post subject:   

My hubby got a qoute from one insurance company and they said they could not give me a better price than what I already have . But I would like to know if AARP can. If allstate has all that they are sure to rack up the customers. It could pay off for them to if they save money on claims.They may be on to something.Instead opf punishing people for useing the insurance why not pay they to not use it?

hummingbird
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PostPosted: Wed Jan 23, 2008 3:09 am   Post subject:   

It would make sense and it is a good incentive to change to them if they do really give the money back that they say, I always find that there are always loopholes somewhere hummingbird, make sure that you read the fine print.

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PostPosted: Wed Jan 23, 2008 9:29 pm   Post subject:   

Yes,Do you ever see these offers on TV and the screen changes so fast that you never get to read whats on the bottom of the screen?That should be illegal,if you are going to put something on the bottom of the screen you should at least be able to read it huh? But thats the way to get you to go to their site.

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PostPosted: Fri Feb 15, 2008 9:30 pm   Post subject:   

Lori is right on the money. Visit these links to start your educational journey.



http://www.philly.com/inquirer/home_top_stories/20071220_Some_see_conf lict_in_dual_role_.html

http://www.60plus.org/about-aarp.asp

http://clarkhoward.com/shownotes/2007/12/25/



-J.R.



Links deactivated as per forum rules

salpro22
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PostPosted: Sat Feb 16, 2008 5:57 am   Post subject:   

AARP has a great website to with all the information that you will need to make a good decision. Salpro has one of them listed above, go there and check it out.

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PostPosted: Sun Feb 17, 2008 4:02 am   Post subject:   

Thank you all for the links and great answers .I will go check out the links and get back to you on what I think .

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PostPosted: Sun Feb 17, 2008 7:01 am   Post subject:   

There's nothing wrong with going with a captive company or association as long as you know all your options. This will require quite a bit of homework or a 30 minute phone call with a knowledgeable agent.



Even though AARP is a marketing organization and has ties with UHC, NYL, Aetna, etc. that doesn't mean their policies are bad or overpriced. The AARP "brand" is stellar and I'll be adding their Medicare products to my portfolio shortly because their good and competitively priced by a top-notch insurance carrier.



Make sure you talk with 2-3 agents total and be honest about what you aim to achieve. Make sure you do talk with an independent and research him or her before making the decision.



Nothing aggravates me more than somebody lying to me simply to get information so they can buy with somebody else. That happened three times last year that I know of and it's very unprofessional and rude. Be prepared to have your application yanked if you do decide to submit multiple applications because most of the time it's a waste of time if you're dealing with somebody who knows their stuff.



One of the great things I LOVE about insurance is that the premiums are not negotiable. That takes about 80% of the stress away right there. with at least one of those being an independent who knows about ALL options.



I personally like to shoot for presenting 2-3 options with most of my clients and emphasize THE ONE I think is the best.



Hope this helps.

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PostPosted: Sun Feb 17, 2008 2:34 pm   Post subject:   

Often, AARP's policies (health for example) are about 20% more expensive than a similar policy you can get from a broker. In fact, in some cases, the policy actually covers less than the standard policy.



I'm assuming this is because the underwriting tends to be more liberal. When that happens, unhealthy people benefit and health people pay more.



And on an unrelated note...I just turned 50 a few weeks ago. And I actually got a letter from AARP telling me I was eligible for coverage. Wow...do I feel old now. Naturally, I refused the offer and told them to write back in 15 years when I'm good and ready!

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PostPosted: Sun Feb 17, 2008 4:45 pm   Post subject:   

Congratulations on reaching the big 50. Are you eligible for discounts now at Bob Evans? I look forward to the senior discounts personally, although I've never been the type to eat dinner before 6.

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PostPosted: Sun Feb 17, 2008 7:19 pm   Post subject:   

well look forward to getting the mailings often. I get one about every week.

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