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Non-Tech : pamc -- Ignore unavailable to you. Want to Upgrade?

To: Whiskey who wrote (138)	12/6/1998 10:10:00 PM
From: port_mgr	Respond to of 570

Claims would still be filed by the provider, but you would be able to access your history to see if the claim had been properly filed, on time, and where it was in the process, etc. As long as their is excess capital in the system insurance is a commodity. I'm not sure I understand your point here.

To: Whiskey who wrote (138)	12/7/1998 9:43:00 AM
From: CigarHolder	Read Replies (1) \| Respond to of 570

Whisky, Having been in the insurance game for over 14 years, both as an independent agent and a carrier exec, I have seen it from all sides. I agree that in most cases, a broker representing your case is valuable. That's why you pay a commission. The agent, as opposed to a broker, represents his policyholders, not the insurance carriers. As broker, on the other hand, represents carriers, not policyholders. The third distributive arrangement is e-commerce. A hybrid would be, like Continental did several years ago and Progressive, which does it now, is to sign up the client over the net and then "assign" the new client" a local agent of his choosing. The policyholder gets the discounted program and a agent to represent him. Now with banks in the game ( called "bancassurance" ) they'll use in-house agents. E-commerce in health care issues is the future. However, there will always be a significant share of the marketplace that places a higher value on real-people transactions and will pay for the privilege to conduct business that way. (puff, puff) CigarHolder