Subject: Re: Re: AFLAC Insurance in Texas

Comments:
: I don't believe that making a statement about Aflac supplimental coverage being better than no coverage at all is inaccurate and misleading. : Most individuals could apply for a very high deductible traditional medical plan and spend no more, possibly less, than loading up on Aflac supplimental policies. : Explain to me how a person is better off with a plan that has huge gaps in coverage, when they might possibly obtained a $10,000 deductible policy that pays 100% after the deductible? : $10,000 sounds like a lot of money, but when you consider that a person could make payment arrangements to satisfy the deductible... what product would you rather have? : I believe an agent breaches a duty to the client, and my open themselves up for litigation, by trying to suggest "supplimental" policies as a way obtain "health insurance". Especially when it is being done with the consent of the employer. I have watched many an Aflac agent attempt to convince a client that their policies can be used in place of traditional coverage when nothing could be farther from the truth. : I am not saying that supplimental coverage is bad, but it is certainly not a good choice when the basic fundamentals of underlying coverage are not in place.

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