It's pretty clear that whoever said “there's no such thing as astupid question” never worked in the insurance industry.

The other day I got a text from a friend of mine that said “Ijust talked to the dumbest person on earth.” This has to be good, Ithought, so I called to get the story. It turns out that one of hisclients had an employee who wanted to add her husband to her policybecause he was in a waiting period with his new job.

But when the employee saw the rates, she said they were too highand she didn't want to pay them. The employer explained they hadshopped the market at renewal time, that they were offering a dualoption, and that she had signed up for the most expensive optionbut could switch to the core plan if she wanted.

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