Telephone service sells: a salaried sales force might be an agent's nightmare but it is a consumer's dream

Article Abstract:

USAA Life has achieved success by marketing health and life insurance via the telephone. By eschewing agents for telemarketing and direct marketing techniques, USAA has lowered its marketing and sales distribution costs and is thus able to offer customers insurance products at a lower price. USAA uses direct mail to solicit its niche market, military officers and their families, and provides a toll-free telephone number. The telephone salespeople provide immediate service and provide advice to the caller on which types of insurance suit their needs.

Insurance agents, brokers, & service, Methods, Marketing, Cover Story, Telemarketing, USAA Annuity and Life Insurance Co.

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SPDA comparison study

Article Abstract:

Single-premium deferred annuity interest rates and charges for 122 life insurance companies are presented. First, fifth and 10th year annuity and surrender values for a 55-year old male who purchases a single-premium deferred annuity worth $10,000 are also listed. The guaranteed interest rates listed represent the lowest rates paid on premiums.

Prices and rates, Single-premium life insurance, Single premium life insurance

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