Insurance of co-payments

A consumer asked for my views about the rider that is offered by an insurance company to cover the co-payments under a Shield policy. The consumer gave me a lot of trivial details about the insurance rider - repeating what must have been told to him by the insurance agent. It is really a waste of my time to listen to the sale talk repeated by the consumer.

There is no need to buy the rider to insure the co-payments. This is explained in the FAQ here. The insurance agent will spin a long story to confuse the consumer and get the consumer to pay a few hundred dollars more in premium for the rider.

http://tankinlian.com/admin/file.aspx?id=325