For the cor employees
Since you all think you are better than indirect agent employees. Obviously you don't understand with certain things cingular wants its agents to focus on different areas than its cor locations. For instance cor and online pricing is sometimes better than what any agent can offer on certain phones due to the costs cingular gives its agents on certain phones. Cor and online obviously focus more on gross adds than anything. While the agents are told exactly what they have to sell with each phone just to make them profitable. Mostly they focus on features and accessories. Remember that an agent is only as smart as their RAE and what they've been told by the RAE. I personally have been on both sides of this line. An RAE will hold certain things ...
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Insurance is not the mystery you make it out to be. It is actually a calculated expense. Models are decided by Cingular, not CNA or the program administrator.
Yes- it is partially based on price. You are not going to insure a Jag for the price of a Focus.
It is also based on OEM seeding and the availability and negotiation of initial orders along with DOH levels.
Yes- it is partially based on price. You are not going to insure a Jag for the price of a Focus.
It is also based on OEM seeding and the availability and negotiation of initial orders along with DOH levels.
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The question is why are some insurable and some not? The new insurance company is assurion and no longer Lockline. I do understand that you said it is all on cingular to decide what to insure, but other carriers that also use assurion insure ALL their Devices.
Verizon for one will insure their treo's. They happen to be a bit more costly than ours, because they are CDMA.
I'm just wondering if cingular has an agreement with assurion to partial-pay for claims. If so why is the cost per month the same as verizons. Verizon doesn't pay anything as far as I know I worked cor for them for a # of years and never had any issues insuring a phone. As with all phone insurance companies they limit you to two claims per year to avoid a loss of pr...
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Verizon for one will insure their treo's. They happen to be a bit more costly than ours, because they are CDMA.
I'm just wondering if cingular has an agreement with assurion to partial-pay for claims. If so why is the cost per month the same as verizons. Verizon doesn't pay anything as far as I know I worked cor for them for a # of years and never had any issues insuring a phone. As with all phone insurance companies they limit you to two claims per year to avoid a loss of pr...
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If cost is a factor, why do they not simply raise the deductable on higher end devices? Or even the cost of the insurance per month?
Availabilty should not be an issue. Almost all customers with high end devices would pay more for insurance. That is a given. Why would you not have insurance if the cost of your phone is over $300? I do not see many of these devices being broken due to the fact that the people who are buying them are not as careless as your every day run of the mill customer.
I would see this as an opportunity to see more profit than not. Availabilty on new devices I can see being a little problem, but not hard to take care of. Especially since cingular's warrenty dept. Is always willing to upgrade a customer from a $200 t...
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Availabilty should not be an issue. Almost all customers with high end devices would pay more for insurance. That is a given. Why would you not have insurance if the cost of your phone is over $300? I do not see many of these devices being broken due to the fact that the people who are buying them are not as careless as your every day run of the mill customer.
I would see this as an opportunity to see more profit than not. Availabilty on new devices I can see being a little problem, but not hard to take care of. Especially since cingular's warrenty dept. Is always willing to upgrade a customer from a $200 t...
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OMG dude. You should seriously consider typing in paragraphs.
Paragraph:
1. a distinct portion of written or printed matter dealing with a particular idea, usually beginning with an "indentation on a new line".
People are more likely to read your long rants if you place them in paragraphs.
Also, not all Cingular direct reps think they are better than anyone else. You really shouldn't make generalizations like that.
Paragraph:
1. a distinct portion of written or printed matter dealing with a particular idea, usually beginning with an "indentation on a new line".
People are more likely to read your long rants if you place them in paragraphs.
Also, not all Cingular direct reps think they are better than anyone else. You really shouldn't make generalizations like that.
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First off since i didn't reply the first time some one called me out on the fact that i dont use paragraphs you should know that I don't care. Secondly our devices that we use here at work do not format it into paragraph form for some reason. If I indent it does not come out indented when i post the message. Thirdly why does it matter? As long as you can read you should get the point. Are you that hell bent on proper forms that you paragraph text messages too? I could understand your scrutiny if I was still in school and you were my teacher. Get a life dude!
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if im not mistaken with a cdma device you can lock the esn down so if its lost or stolen you cant reactivate . This as we all know is not possible with a gsm device . I.E fraud claims through cingy way higher than verizon
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I think part of your confusion is that Asurion is NOT the insurance company. They are the program administrator. The actual underwriter of the insurance is CNA.
It also sounds like you think insurance is to solely benefit the customer. It is designed to be a profitable feature. Each carrier has their own margins and costs they work with.
As I stated before, many factors go into determining that margin. Including pricing from the OEM based on quantity orders and the amount of Field Replacement Units they initially distribute.
All replacements sent to customers are actually supplied by Cingular.
At this time there is no clean cut way to determine what is or is not insurable without checking specific handsets.
It also sounds like you think insurance is to solely benefit the customer. It is designed to be a profitable feature. Each carrier has their own margins and costs they work with.
As I stated before, many factors go into determining that margin. Including pricing from the OEM based on quantity orders and the amount of Field Replacement Units they initially distribute.
All replacements sent to customers are actually supplied by Cingular.
At this time there is no clean cut way to determine what is or is not insurable without checking specific handsets.
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I apreciate you explaining that for me. But as far as it being a profitable feature It cannot be by law unless those who sell it are licenced insurance agents. That being a pretty expensive test there is no way that all cingular employees could be paid a spiff for selling it. Unless it is called a warrenty. The insurance company may profit off of it but not cingular. This is "as far as I know" so do not take it like I am a know-it-all. You have definitly givin me more info than anyone I've talked to so far. I do apreciate your knowledge.
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You are partially correct. No commission can be paid unless you are a licensed insurance agent. The company profits from the MRC and the agreement with the plan administrator.
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How does cingular profit from it? Don't they have to be an licenced insurance company? I thought all profits go to the insurance company for cost of goods and such.
For instance, some of the phones that get sent to customers on insurance are unlocked unbranded handsets. This is a rarety, but it does happen. This would suggest that who ever processes the claims is getting their handsets from the manufacturer direct, and not from cingulars inventory. Now this may be just in a few special cases because of the availabilty in cingulars inventory, But this would mean that the cost of the handset rests in the insurer and not cingular.
It would be nice to know what goes on behind the scenes more than you lose your phone, you call, and they ...
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For instance, some of the phones that get sent to customers on insurance are unlocked unbranded handsets. This is a rarety, but it does happen. This would suggest that who ever processes the claims is getting their handsets from the manufacturer direct, and not from cingulars inventory. Now this may be just in a few special cases because of the availabilty in cingulars inventory, But this would mean that the cost of the handset rests in the insurer and not cingular.
It would be nice to know what goes on behind the scenes more than you lose your phone, you call, and they ...
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Thats why reps don't get commision off of selling insurance, b/c they aren't licensed. But trust me, somebody is making money off of it 🙂
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