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Non-Tech : pamc
PAMC 45.56-2.1%Nov 6 4:00 PM EST
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To: port_mgr who wrote (143)12/8/1998 11:35:00 AM
From: CigarHolder  Read Replies (1) of 570
 
port,

I naturally agree with you relative to alternative distribution strategies for insurance-related matters. The fat cats with expense ratios of 30% plus are dinosaurs and will be eaten by those who can do more for less.

I am in "alternative risk transfer" which gives the more sophisticated insurance buyer more options to transfer and manage risk themselves. For example, instead of paying a premium to an insuror to handle all of the risk of loss, you could take on part of the risk yourself and save $$$. There are many ways to manipulate cash.

Following this line of thinking, I feel that many insurance products are commodities and sophisticated buyers will look for the lowest priced items to purchase. Many of these items can/will be purchased via the 'net....like PAMC's HealthAxis.com and quotesmith.

Noting AOL's ability to "pull" clients in over their medium, I prefer HealthAxis.com over the long run versus quotesmith, all other variables aside.

(puff, puff)
CigarHolder
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