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Max,
No way of knowing the answer to your question without reading the policies involved.
I don't think anyone is suggesting more than one policy.
The reason to buy through Nationals generally is that it is cheaper to buy "in quantity," if you will, than for each chapter to make its' own deal. Obviously, Nationals want you to be part of their negotiated plan because they get better rates with more participants. Kind of like group health coverage -- the more people involved, the better the rate. The new corporate buzz word is "economy of scale."
If a chapter can find a comparable policy and a cheaper deal, they should probably take it -- but I would read it VERY carefully to be sure that you are getting equal coverage. Frankly, I would be surprised if that happened. But, I've been wrong before.
You really can't afford to skimp on this. There's too much at stake -- not only for the chapter, but for the officers and advisors personally if the coverage is not good. As Shadowkat pointed out above, the insurance companies are not at all bashful about going after indivduals.
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Fraternally,
DeltAlum
DTD
The above is the opinion of the poster which may or may not be based in known facts and does not necessarily reflect the views of Delta Tau Delta or Greek Chat -- but it might.
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