Which Medigap carriers are reinsured by MOO?
This is beginning to look like the 80's when Union Mutual controlled almost 90% of the LTD market (Provident L&A had most of the rest). What they didn't write direct they reinsured.
What was odd was, the fronting carriers usually had better rates and more liberal underwriting. UM direct usually had higher income benefits, especially in the white collar market.
Fronting carriers usually did better in blue collar.
Anyone see a segmented market between MOO and their front carriers?
This is beginning to look like the 80's when Union Mutual controlled almost 90% of the LTD market (Provident L&A had most of the rest). What they didn't write direct they reinsured.
What was odd was, the fronting carriers usually had better rates and more liberal underwriting. UM direct usually had higher income benefits, especially in the white collar market.
Fronting carriers usually did better in blue collar.
Anyone see a segmented market between MOO and their front carriers?
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