Is this Cigna Global health insurance sales rep using scare tactics or is the 10% lifetime discount/upgrade real?
Hey Reddit, I hope this is an appropriate place to post this. I wanted to get another take on this email I got from a Cigna Global Health Insurance Sales Rep. I’m shopping around for a good international health insurance plan and spoke with this agent on the phone once after submitting for a free quote on the website. He followed up pretty actively (several calls and emails), and when I emailed back that I was busy but would follow up soon, he wrote back about a “10% lifetime discount” expiring this week which he never said anything about before. That gave me red flags already, and then he sent another email below yesterday (Mar 31st):
Subject: Cigna – Final day to avail of March promotions
Hi J__,
I wanted to give you a gentle reminder that both the lifetime 10% discount and the lifetime upgrade (pdf attached) are March promotional offers.
What this means is we need to take the first months payment during this month for you to avail both offers, if not, your price will increase by 10% and not lifetime upgrade can be allocated to your plan.
Can you let me know if you are intending to move forward with these offers or I can allocate them to a different customer wanting to move forward.
I look forward to your response.
Kind Regards,
P_________ – Telesales Executive
Cigna Global Individual Health
Cigna Insurance Management Services (DIFC) Limited
FYI: The PDF attached had no mention about any discount or upgrade or March promotion. All it was was a 2 page “International Health & Wellbeing” handout showing coverage amounts for Silver Gold and Platinum plans.
Several things bother me about this email. Most ridiculously, the threat to “allocate [the offers] to a different customer” seems completely illogical. If these are March offers expiring, how would it make any sense to “allocate them” to another customer? Secondly, why would you even need to warn me that you might need to allocate them to someone else? What kind of scare/scarcity tactic is this? First there’s no mention of this promotion, then he mentions the promotion, and then he mentions the promotions are even limited!! All on the last day to claim them!! Incredible! And also, there didn’t seem to be anywhere mentioning any such March promotions, whether on the website (https://www.cignaglobal.com/), or in the document he sent.
So basically, from the tone of his email, the lack of any corroborating information, and the nonsensical threat to “allocate the expiring offers to other customers”, it seems to me that this is some pretty awful manipulative sales-y tactic, where he’s making up some 10% lifetime discount to scare me into purchasing right away, and it makes me pretty disgusted to see Cigna using tactics like this when they’re supposed to be a health and wellness company (I thought), not a sleazy used car sales lot…
Am I right or am I missing something? Did I actually miss out on some incredible 10% lifetime discount and special March only upgrade and he wasn’t being pushy he was just really trying to do his best for his customers??? *cough cough*
