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The Round Table
Pipe Smoking & Life Insurance
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<blockquote data-quote="KevinM" data-source="post: 356989" data-attributes="member: 2318"><p>Many a life insurance salesperson will pay for his or her BMW with this little trick. Avoid cigarette smokers, but look for occasional cigar and pipe smokers. Charge them 3-pack a day rates, collect their checks and enjoy your new car.</p><p></p><p>Something similar was done by auto insurers. People with a ticket on their record were put in the assigned risk pool at exaggerated rates. Then the actuaries noticed that many people in the AR pool were ordinary drivers with decent records with but one or two blemishes. Also, they were sooo relieved to get insurance at any price, they gratefully wrote their checks. Soon insurance ads for drivers with black marks on their records began to pop up, because the business was profitable and the customers were easier to rape. Drivers with clean records tend to insist on low rates and will shop annually for it. The game got tougher when assigned risk insurers began to cut their rates and drivers wised up.</p><p></p><p>By the way, you shop your auto insurance every year or two, don't you?</p></blockquote><p></p>
[QUOTE="KevinM, post: 356989, member: 2318"] Many a life insurance salesperson will pay for his or her BMW with this little trick. Avoid cigarette smokers, but look for occasional cigar and pipe smokers. Charge them 3-pack a day rates, collect their checks and enjoy your new car. Something similar was done by auto insurers. People with a ticket on their record were put in the assigned risk pool at exaggerated rates. Then the actuaries noticed that many people in the AR pool were ordinary drivers with decent records with but one or two blemishes. Also, they were sooo relieved to get insurance at any price, they gratefully wrote their checks. Soon insurance ads for drivers with black marks on their records began to pop up, because the business was profitable and the customers were easier to rape. Drivers with clean records tend to insist on low rates and will shop annually for it. The game got tougher when assigned risk insurers began to cut their rates and drivers wised up. By the way, you shop your auto insurance every year or two, don't you? [/QUOTE]
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