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"Why is the agent getting paid a commission if they're not doing anything? You don't just get paid because you're writing insurance; you get paid because you help service it. So we make service calls to each client at least every three months just to say, 'How is everything going?"
Cathy Sweet |
the hailstone difference:
a passion for solving people's problems
Problems with Cost
The continuously rising cost of health care is one of any employer's
biggest headaches. The least expensive insurance policies
may cost you down the road, as your employees run up
against big deductables,
hidden exclusions, low coverage limits and denied claims
-- and leave you for a company with better benefits.
But the cost of the
most generous policies may turn your profits into losses.
Our mission is to look at the health conditions of your
people and the size
of your budget, take into account the unforeseen, and
find the best possible value for your company and your
employees.
Problems with Coverage
Insurance is hard to understand. Policies are written in legal-ese.
Provisions are all different and almost always confusing.
Exclusions and limitations seem to go on endlessly. And
carriers may change
plan designs two or three times a year. Understanding
and keeping up with all this specialized and highly detailed
information is a full time
job -- and not one that can be effectively done by anyone
who doesn't enjoy it. But we do. Our people have worked
for carriers. We know
how they work and how they think. We know what they can
and can't really do. We know when to follow up rather
then waiting for a
call back, how to be persistent and persuasive -- and
how to get results.
Problems with Service
With most insurance agencies, you'll only hear from your agent
at renewal time. Many will send you a Christmas or birthday
card, but that's about it. If you have problems with
coverage or claims,
once you finally get a human on the line, they'll give
you the carrier's 800 number and wish you luck. But not
Hailstone. We answer
our phones personally. Every person in our office is
licensed, capable and willing to help you with whatever
concern you may have.
Our years of experience, our inside knowledge and our
leverage with carriers are all there for you, every time
you call. And we
never ask clients to do for themselves what we could
do for them.
