they can market to their 'preferred group'.

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PostPosted: Thu Feb 28, 2008 10:35 am   Post subject:   

The reason might be selling of products. It is not only the risk factor that the company will consider, they will also see to what increases their saleability . Targeting a particular professional class is easy. I think these offers are not based on discrimination but on trials and feasibility.



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PostPosted: Thu Feb 28, 2008 11:04 am   Post subject:   

Probably based on the history of claims filed I would think, don't they analyze all this data and see which groups are more likely to file a claim and which groups are more likely to fix repairs themselves?

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PostPosted: Fri Feb 29, 2008 2:58 pm   Post subject: insurance  

From what I've read, above....companies determine factors, on 'groups.' I can understand the 'age group' thing (to a point). You're a 'high risk', if you're a certain age. But..what about single or divorced parents? I actually read somewhere, an insurance company "focuses mostly on married, middle-class goups." This was an 'ad' I had recieved, via e-mail. I don't even remember the name of the company. Can companies 'freely' advertise who they want to 'focus on'? I hope this question is clear.

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PostPosted: Fri Feb 29, 2008 10:42 pm   Post subject:   

Sure they can to a degree...they can market to their 'preferred group'...most states require companies to take a certain number of 'undesireables' ..... Also companies differ on their underwriting rules, some companies will take anyone...for a price.......others will not take (unless made) high risk groups....



Look at it this way, if you were assuming the risks of another would you want some say in the type of risk you would assume? I'm not saying that I agree, just that they can market to the market they prefer.



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