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The Catch: Oct. 28

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Affordable Health Insurance is celebrating Halloween by trying to use videos about zombies and other creatures with serious chronic health conditions to get the attention of individual health insurance prospects.

The Salt Lake City health insurance broker has posted videos with titles such as, “Zombie Brain,” “Dr. Acula’s Obesity Woes” and “Alien Belly Aches” to make the point that viewers should use the company’s site to shop for insurance.

A doctor in the “Adventures in the monstER” 0video, for example, suggests that a Zombie might be able to save money on the prescription for his condition if he looks to see if his insurance plan will cover the consumption of generic brains.

Affordable Health Insurance says the videos were created its “overworked, overly imaginative team.”


Blue Cross and Blue Shield of Illinois, a unit of Health Care Service Corp., Chicago, has a new product that can help its agents with errors and omissions (E&O) problems.

EBRM, an Illinois Blue general agency, is offering authorized agents a guaranteed issue insurance plan that features group discounted premiums with an individual option and an agency option.

Features include first-dollar coverage for defense costs and coverage for prior acts that date back to first date of continuous E&O coverage.

The plan comes with a $1,000 deductible on Illinois Blue product-related claims for damages only, and a $2,500 deductible for non-Illinois Blue claims for damages only. Prices start at about $39 per month.

Agents can apply the E&O coverage to the sale and servicing of many products other than health insurance, such as life insurance, disability insurance and annuities.

Individual policies include coverage for clerical personnel and support personnel who are acting on the covered agent’s behalf.


Guardian Life Insurance Company of America, New York, conducted a survey of 874 adults living in the continental United States and found that there has been a rapid increase in the use of Web-based systems in the benefits enrollment process.

The percentage of adults with access to employee benefits who said they use the Web to enroll has increased to 62% this year, from 29% in 2009, Guardian says.

About 78% of the workers said enrolling for benefits through paper forms is very easy, but 91% of the workers said enrolling benefits online is very easy.


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