- 1,926
Newmindfashion, who are some these other carriers you go to?
Assurant on CBS news tonight
- Thread starter aufan
- Start date
Nice try to our board experts :-)
1.) where did I write that I could not afford to pay back the advance ?
waiting.......
2.)where did I say I only write for 3 insurance companies ?
I only named a few, and guess what, I live in Texas, and as mentioned I have been an Insurance agent for 18 years. I am sure that is longer than most on here.
3.) Where did I say other Insurance companies were perfect, and with out fault ?
waitng..
What I did write is that none are perfect, (go read ) yet in my 18 years of doing this, I have never had 5 rescends in under a year with the same Insurance company, ( another guy on here wrote that he had 3 in one year with Time Insurance aka Assurant ) I guess in your opinion, he is an *** as well .....
I thought this board was a place for us agents to share things, so that maybe it might help another, but I guess I wrong, I guess this is a place to attack each other, or to find faults in each other.
oh well.....
1.) where did I write that I could not afford to pay back the advance ?
waiting.......
2.)where did I say I only write for 3 insurance companies ?
I only named a few, and guess what, I live in Texas, and as mentioned I have been an Insurance agent for 18 years. I am sure that is longer than most on here.
3.) Where did I say other Insurance companies were perfect, and with out fault ?
waitng..
What I did write is that none are perfect, (go read ) yet in my 18 years of doing this, I have never had 5 rescends in under a year with the same Insurance company, ( another guy on here wrote that he had 3 in one year with Time Insurance aka Assurant ) I guess in your opinion, he is an *** as well .....
I thought this board was a place for us agents to share things, so that maybe it might help another, but I guess I wrong, I guess this is a place to attack each other, or to find faults in each other.
oh well.....
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- 307
Ozark,
I know this is frustrating but Somarco has a point. The fact that they left open a window for a rate-up versus outright cancellation is more than some companies would do.
Do you have access to the actual medical records that completely clears her of anything with her heart?
I know this is frustrating but Somarco has a point. The fact that they left open a window for a rate-up versus outright cancellation is more than some companies would do.
Do you have access to the actual medical records that completely clears her of anything with her heart?
- 307
Bluemarlin,
In my marketplace (CT), there are some state specific companies to my area that accept people on a strict accept/reject basis. Therefore, when I pre-screen customers with a few of these local carriers, if the customer gets approved there is no rate-ups or riders. This is specific to CT though. I don't have a magic bullet on a national scale. If you write in CT, email me privately and I will explain who I use in certain scenarios.
If you live in a state with many carriers or in a more urban/populated area, sometimes more localized HMOs have lenient underwriting that can be accept/reject without riders or massive rate-ups. Premiums just tend to start out a little higher though. Your state could possibly lack the options I have here for favorable underwriting (i.e. accept/reject, no rate-ups etc.)
To make matters worse in CT for Assurant, we only have rate-ups in CT and NH. No Condition Specific Deductibles (CSDs) and no riders. This makes them tougher to place business with if a customer doesn't care that a certain condition is ridered. Much of the storm around Assurant/Time originates from my state of Connecticut.
In my marketplace (CT), there are some state specific companies to my area that accept people on a strict accept/reject basis. Therefore, when I pre-screen customers with a few of these local carriers, if the customer gets approved there is no rate-ups or riders. This is specific to CT though. I don't have a magic bullet on a national scale. If you write in CT, email me privately and I will explain who I use in certain scenarios.
If you live in a state with many carriers or in a more urban/populated area, sometimes more localized HMOs have lenient underwriting that can be accept/reject without riders or massive rate-ups. Premiums just tend to start out a little higher though. Your state could possibly lack the options I have here for favorable underwriting (i.e. accept/reject, no rate-ups etc.)
To make matters worse in CT for Assurant, we only have rate-ups in CT and NH. No Condition Specific Deductibles (CSDs) and no riders. This makes them tougher to place business with if a customer doesn't care that a certain condition is ridered. Much of the storm around Assurant/Time originates from my state of Connecticut.
No, he does not have a point, once again people who dont know the details make judgment on here .
I will put my record of Insurance sales up against anyone on here.
They could not afford the increase in premuim, and they were on the fence as to pay the 1700 to keep it from recsending, but really could not afford that either, both are good people, they took in thier 3 grandchildren to raise as the children's parents are going thorugh problems, they are good hard working honest people ( farmers )
And I never advised them not to take the rate up, infact I did the opposite, I said if you can afford it you should, even if you know you do not have a heart problem,., so that they would have a " Letter of Creditable Coverage" , and then we could find another policy.
Yes, as mentioned many times above, I read her medical file in detail, (infact she made me read it when I went thier, she wanted to show me she was not telling a lie ) when I went back out to put them on a new policy, I even submitted the entire folder with the application, they ( and I ) wanted to make sure this did not happen again to them.
I will put my record of Insurance sales up against anyone on here.
They could not afford the increase in premuim, and they were on the fence as to pay the 1700 to keep it from recsending, but really could not afford that either, both are good people, they took in thier 3 grandchildren to raise as the children's parents are going thorugh problems, they are good hard working honest people ( farmers )
And I never advised them not to take the rate up, infact I did the opposite, I said if you can afford it you should, even if you know you do not have a heart problem,., so that they would have a " Letter of Creditable Coverage" , and then we could find another policy.
Yes, as mentioned many times above, I read her medical file in detail, (infact she made me read it when I went thier, she wanted to show me she was not telling a lie ) when I went back out to put them on a new policy, I even submitted the entire folder with the application, they ( and I ) wanted to make sure this did not happen again to them.
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- 1,926
Very interesting, thanks for the info. I have been in the insurance business in TN for 28 years but only started writing individual medical 3 years ago, I would always farm it to another agent. However, the IM market has been very profitable mainly from the ability to cross sell term, disability and LTC.
- Staff
- #97
next....
http://www.texasonline.state.tx.us/NASApp/tdi/TdiARManager
ACE AMERICAN INSURANCE COMPANY 03/07/2002
AETNA DENTAL INC. 10/20/2000
AETNA HEALTH INC. 10/20/2000
AETNA LIFE INSURANCE COMPANY 10/20/2000
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA 12/14/2001
AMERICAN GENERAL LIFE INSURANCE COMPANY 08/27/2002
AMERICAN MEDICAL SECURITY LIFE INSURANCE COMPANY 05/16/2000
AMERICAN UNITED LIFE INSURANCE COMPANY 06/05/2001
AMERUS LIFE INSURANCE COMPANY 12/19/1995
AMIL INTERNATIONAL INSURANCE COMPANY, INC. 10/29/1997
BANNER LIFE INSURANCE COMPANY 05/27/2005
BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA 03/10/2003
BLUE CROSS AND BLUE SHIELD OF TEXAS, A DIVISION OF HEALTH CARE SERVICE C 03/07/2002
CELTIC INSURANCE COMPANY 08/24/2004
CHESAPEAKE LIFE INSURANCE COMPANY, THE 11/29/2004
CONTINENTAL GENERAL INSURANCE COMPANY 01/15/2002
CORPORATE HEALTH INSURANCE COMPANY 04/07/2003
DALLAS GENERAL LIFE INSURANCE COMPANY 09/25/2000
DENTICARE, INC. 03/24/1998
GENERAL AMERICAN LIFE INSURANCE COMPANY 08/12/2005
GENWORTH LIFE INSURANCE COMPANY 09/04/2005
GOLDEN RULE INSURANCE COMPANY 03/07/2002
GOLDEN RULE INSURANCE COMPANY 08/20/2001
GUARDIAN LIFE INSURANCE COMPANY OF AMERICA, THE 03/10/2003
HUMANA HEALTH PLAN OF TEXAS, INC. 11/24/1998
HUMANA INSURANCE COMPANY 11/24/1998
ILLINOIS MUTUAL LIFE INSURANCE COMPANY 12/07/2004
JOHN ALDEN LIFE INSURANCE COMPANY 07/19/2004
MANAGED DENTALGUARD, INC. 12/13/2004
METLIFE INVESTORS USA INSURANCE COMPANY 08/12/2005
METROPOLITAN LIFE INSURANCE COMPANY 08/12/2005
NEW YORK LIFE INSURANCE COMPANY 02/25/1999
PACIFICARE LIFE ASSURANCE COMPANY 12/29/2004
PACIFICARE OF TEXAS, INC. 12/29/2004
PEOPLES BENEFIT LIFE INSURANCE COMPANY 05/10/1999
PROTECTIVE LIFE INSURANCE COMPANY 04/28/2006
PROVIDENT AMERICAN INSURANCE COMPANY 03/17/2003
PROVIDENT INDEMNITY LIFE INSURANCE COMPANY 09/05/1997
PRUDENTIAL INSURANCE COMPANY OF AMERICA, THE 01/13/1999
SETON HEALTH PLAN, INC. 02/02/2000
SUN LIFE ASSURANCE COMPANY OF CANADA (U.S.) 01/23/2004
TIME INSURANCE COMPANY 11/25/1997
U.S. FINANCIAL LIFE INSURANCE COMPANY 10/07/2004
UNICARE HEALTH INSURANCE COMPANY OF TEXAS 01/27/2003
UNICARE LIFE & HEALTH INSURANCE COMPANY 07/15/1997
UNITED HEALTHCARE INSURANCE COMPANY 02/12/1999
UNITED HEALTHCARE OF TEXAS, INC. 02/12/1999
WEST COAST LIFE INSURANCE COMPANY 06/23/2003
WORLD INSURANCE COMPANY 08/24/2000
http://www.texasonline.state.tx.us/NASApp/tdi/TdiARManager
ACE AMERICAN INSURANCE COMPANY 03/07/2002
AETNA DENTAL INC. 10/20/2000
AETNA HEALTH INC. 10/20/2000
AETNA LIFE INSURANCE COMPANY 10/20/2000
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA 12/14/2001
AMERICAN GENERAL LIFE INSURANCE COMPANY 08/27/2002
AMERICAN MEDICAL SECURITY LIFE INSURANCE COMPANY 05/16/2000
AMERICAN UNITED LIFE INSURANCE COMPANY 06/05/2001
AMERUS LIFE INSURANCE COMPANY 12/19/1995
AMIL INTERNATIONAL INSURANCE COMPANY, INC. 10/29/1997
BANNER LIFE INSURANCE COMPANY 05/27/2005
BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA 03/10/2003
BLUE CROSS AND BLUE SHIELD OF TEXAS, A DIVISION OF HEALTH CARE SERVICE C 03/07/2002
CELTIC INSURANCE COMPANY 08/24/2004
CHESAPEAKE LIFE INSURANCE COMPANY, THE 11/29/2004
CONTINENTAL GENERAL INSURANCE COMPANY 01/15/2002
CORPORATE HEALTH INSURANCE COMPANY 04/07/2003
DALLAS GENERAL LIFE INSURANCE COMPANY 09/25/2000
DENTICARE, INC. 03/24/1998
GENERAL AMERICAN LIFE INSURANCE COMPANY 08/12/2005
GENWORTH LIFE INSURANCE COMPANY 09/04/2005
GOLDEN RULE INSURANCE COMPANY 03/07/2002
GOLDEN RULE INSURANCE COMPANY 08/20/2001
GUARDIAN LIFE INSURANCE COMPANY OF AMERICA, THE 03/10/2003
HUMANA HEALTH PLAN OF TEXAS, INC. 11/24/1998
HUMANA INSURANCE COMPANY 11/24/1998
ILLINOIS MUTUAL LIFE INSURANCE COMPANY 12/07/2004
JOHN ALDEN LIFE INSURANCE COMPANY 07/19/2004
MANAGED DENTALGUARD, INC. 12/13/2004
METLIFE INVESTORS USA INSURANCE COMPANY 08/12/2005
METROPOLITAN LIFE INSURANCE COMPANY 08/12/2005
NEW YORK LIFE INSURANCE COMPANY 02/25/1999
PACIFICARE LIFE ASSURANCE COMPANY 12/29/2004
PACIFICARE OF TEXAS, INC. 12/29/2004
PEOPLES BENEFIT LIFE INSURANCE COMPANY 05/10/1999
PROTECTIVE LIFE INSURANCE COMPANY 04/28/2006
PROVIDENT AMERICAN INSURANCE COMPANY 03/17/2003
PROVIDENT INDEMNITY LIFE INSURANCE COMPANY 09/05/1997
PRUDENTIAL INSURANCE COMPANY OF AMERICA, THE 01/13/1999
SETON HEALTH PLAN, INC. 02/02/2000
SUN LIFE ASSURANCE COMPANY OF CANADA (U.S.) 01/23/2004
TIME INSURANCE COMPANY 11/25/1997
U.S. FINANCIAL LIFE INSURANCE COMPANY 10/07/2004
UNICARE HEALTH INSURANCE COMPANY OF TEXAS 01/27/2003
UNICARE LIFE & HEALTH INSURANCE COMPANY 07/15/1997
UNITED HEALTHCARE INSURANCE COMPANY 02/12/1999
UNITED HEALTHCARE OF TEXAS, INC. 02/12/1999
WEST COAST LIFE INSURANCE COMPANY 06/23/2003
WORLD INSURANCE COMPANY 08/24/2000
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- 307
Ozark,
I'm not pretending to know the details. In my experience, Assurant has paid when they should and rescined when they should. You may have landed a very bad scenario here.
The conflict must revolve around whether the customer was advised to do heart follow-up and did not. If she was not advised to do so and Assurant is simply not paying, I imagine this could be fought.
I'm not pretending to know the details. In my experience, Assurant has paid when they should and rescined when they should. You may have landed a very bad scenario here.
The conflict must revolve around whether the customer was advised to do heart follow-up and did not. If she was not advised to do so and Assurant is simply not paying, I imagine this could be fought.
- 307
BlueMarlin,
Individual health is a great market to work in and often ignored by independent agents. I tell other indy agents that I just do individual health and they look at me like I have 5 heads. They have no idea. Many have never even thought of it.
In a market like TN, are there any local HMOs in Memphis or Nashville area that are pure accept/reject with no riders or rate-ups? The HMOs in my area are held to tougher standards than PPO/Indemnity. HMOs must offer maternity here. PPOs don't.
Individual health is a great market to work in and often ignored by independent agents. I tell other indy agents that I just do individual health and they look at me like I have 5 heads. They have no idea. Many have never even thought of it.
In a market like TN, are there any local HMOs in Memphis or Nashville area that are pure accept/reject with no riders or rate-ups? The HMOs in my area are held to tougher standards than PPO/Indemnity. HMOs must offer maternity here. PPOs don't.
- 307
Scott,
That's a lot of carriers.
That's a lot of carriers.
