Info

YouDecide provides a single platform solution that provides access to leading insurance, financial product and service providers, and discount programs that aid users in making informed choices. YouDecide's technology helps educate and guide consumers through the various options for insurance, loans and other financial products and presents options that best suit their lifestyle, life events and financial needs. What role does the employer or association play? As YouDecide partners, they are both sponsors and supporters -- helping individuals achieve a balance between their personal and professional lives by providing them with access to a comprehensive voluntary benefits and discount program platform. For instance, this enables employees and members to receive money-saving rates for insurance in less time. YouDecide expedites the process by researching the possibilities and presenting the available options. II. How Does It Work? How does YouDecide simplify the financial decision making-process? At YouDecide, users have a personalized website that lets them learn about, quote, decide and buy products that suit their unique needs. There is a strong mix of information, products, services and assistance from financial and insurance experts. Users simply enter their information and YouDecide compiles quotes to match their profiles. This data is saved to pre-fill applications, making future transactions even quicker and easier. What is needed to complete online application for loans and insurance? To receive the most accurate insurance quotes, it's helpful to have current insurance policy information and claims history. For finance products, it is also helpful to have the interest rate, remaining time left on current loan(s), and current monthly payment to determine finance needs. How do participants pay for products and services? The quoting process is free. There are different payment options, depending on the product and the provider selected. Finance and insurance products are paid based on the billing method selected with the provider. Options include credit card, electronic fund transfer, direct billing and in some cases payroll deduction, from the selected provider. What documentation is provided for record keeping? Any transaction completed via the YouDecide Web site or over the telephone is secure and thoroughly documented. Users receive all policy and/or loan documentation, invoices or loan payment books directly from the provider as with any insurance or loan agreement. Do YouDecide's providers offer coverage nationwide? YouDecide has a network of national and large regional providers in place to provide broad choice and value to consumers nationwide. Due to legal or regulatory constraints, there are a limited number of locations for which some YouDecide providers cannot offer certain services. Are there discounts for multi-product purchases? Many of the participating property and casualty insurance companies offer multi-policy discounts. However, as YouDecide members receive some of the best rates available, YouDecide does not offer special discounts for purchasing more than one product or service through our network. Is YouDecide an insurance company? YouDecide is a liaison between users and a network of participating insurance providers. Each is stringently credentialed to ensure highly competitive and high quality service partners. Requirements include quality of service, financial stability, call center capabilities, product offerings, demographic expertise, geographic expertise and regulatory compliance. YouDecide, through CFN Agency, Inc., is a licensed insurance agency. Is YouDecide a lender? YouDecide serves as liaison between its members and a network of participating financial service providers. The YouDecide mission is to educate its users by providing unbiased information so they can make an informed purchase decision. By gaining insight to the ins and outs of such events - securing a mortgage, buying a car, financial planning, acquiring life insurance - and learning the money-saving options available from YouDecide, users can make the best decision possible.