As you know, Allstate (previously National General), has a lot of different discounts (HHD, dual-applicant discount, annual pay discount, and activity-tracker discount).
We have some clarifications on the different rate options showing up in our quote engine, powered by CSG, when you run a quote. CSG also made some enhancements based on agent feedback.
For ages, in most cases 65 and 66, where the Preferred Select rate is the same as the Preferred, the Preferred Select rate is removed. This was to eliminate confusion on the same rate showing twice.
Allstate Health Solutions is operating under two charters/NAIC numbers. CSG is labeling the companies as so:
Below is explanation of Rating Class labels in CSG:
These discounts can be stacked. Examples for rating classes would be:
When Household Discounts are applied to quote, the above rating classes will also include Roommate or Dual/Roommate
Examples for Rating Classes would be:
10% Annual Discount: Agents can change the quote from monthly to annual to see all rating classes with the 10% annual discount applied.
It is important agents verify the rating class selected when taking an e-application for Allstate Health Solutions in CSG. If the agent answers questions differently in the application that would result in a different rate or rating class, Allstate will adjust the rate/rating class and notify the agent of the change before the policy is issued.
If an applicant wants to pay annual for additional discounts, make sure the agent clicks “Apply Now” with the Annual Discount premium on the quotes results screen and has annual payment selected in the e-application.
CSG and Allstate are working together to allow rate changes during the application process. We will keep you updated on the progress.
Let us know if you have any questions!