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Iall I can say is that since Blackstone and Goldman bought UICI all the ways of doing business the shady way are going away. .
Really? Just this year:
MEGA Life settles for record $17m - The Boston Globe
HealthMarkets Inc., of North Richland Hills, Texas, and its subsidiaries MEGA Life and Health Insurance and Mid-West National Life Insurance are also banned for at least five years from selling new health plans in Massachusetts and must exit the state health plan business completely, according to a judgment filed yesterday in Suffolk Superior Court and outlined by state Attorney General Martha Coakley.
Yep, really seems like they've cleaned up their act.