United American Insurance Company United American cons its agents into selling bogus ins. by lying to us Norcross Georgia
I would like to begin by saying that I am writing this report on behalf of myself and two of my close friends who unknowingly all got involved in this scam at about the same time. United American lies to its agents by having us sell " a great alternative to the healthcare crisis." It's that simple. They didn't promise us everything in the world nor did they say that it was comprable to major medical coverage. However they said their products were all guaranteed to pay exactly what the policy paid. We were brainwashed into thinking that what they offered was PLENTY of coverage. It wasn't until the few who were left in the office after six months or so started having clients who attempted using the product that I realized I had made a huge mistake in representing this company. As far as the duties of the job go, you work atleast 40-50 hours weekly (if not more once you sit in Atlanta traffic) with no reimbursment for gas or anything. You have to call on these ridiculous leads, set up an appointment, chase them down for weeks or months and then try to sell based on lies. At first I thought I was actually doing something good for people as an alternative, but after research, it turns out be as much as major medical. So what does it really cover? Not much at all. I do not recommend this company to anyone and am truly sorry if anyone was hurt financially or emotionally. It was certainly not my intention. In fact I was at a great loss myself financially.
Melissa
kennesaw, Georgia
U.S.A.
8 Updates & Rebuttals
Pad
Ozark,Missouri,
U.S.A.
fries with that
#9Consumer Comment
Sun, April 06, 2008
frank, if your still with this company. you talk about ethics, one question,,,,,,, when you give a presentationm, i know you tell about the good things of the policy. but do you DISCLOSE the bad things you know, what it wont pay for. in the term of "ethics" you should disclose that information right??? you know like mr customer now this has limited oupaitent coverage, to be up front with you if you get cancer this plan will only pay this for chemo treatment and only one time since this is a per occurance policy. that means per injury per sickness. but your stated you sell on ethics so im sure you are doing that
Dan
Sacramento,California,
U.S.A.
UA nonsense: tips regarding insurance
#9Consumer Comment
Thu, April 05, 2007
Tips to tell whether or not you are being scammed:
Does money get processed before approval? Oh the patriot act stop that nonsense, so if money is being processed before approval it is because part of the up front premium was for non-insurance products, or "association dues," or "processing fees." If your money gets processed before you are approved, then back out and get your money back. You should not have to pay a fee, or join something just to get insurance.
Do the words "up to" appear in the coverage outline? wellll...let's see...oh, the flex guard product from UA "80% UP TO $2000 per day!" (which won't cover the removal of a wart on a frogs butt when it comes to hospitalization.)The words "up to" are kind of like a red light---STOP. A four day stay can run 70k+ depending on circumstance, so $8k paid isn't going to look too attractive when the bills arrive---oh, but look on the bright side--If the bill was $100k then you only have $92,000.00 left to pay out of your pocket. Nice huh?
Do the words "ANNUAL OUT OF POCKET MAXIMUM" or ANNUAL MAXIMUM COPAY" exist in your policy? If they do, then you have real insurance; hence, if they don't, then you are getting a bag of nice-sounding nonsense. Ask your agent about your stop-loss. An averge stop loss is $3500--after that, all bills are paid at 100% for the rest of the year. Your financial risk is $3500 in the above case.
Is the company based in your state? When dealing with HEALTH insurance (not life) you should pick a company that is based in YOUR state (sorry if you live in TX or TN).
Is your agent captive (they can sell one or two companies products?) Will the agent send a print of their license via email? If not, then don't buy what they are selling.
Do the words "guaranteed renewable" appear in sales material? I totally laughed on that one--call one of the major carriers in your state and ask that question---you'll laugh too. HE HEE , it's like a store putting up a big banner... "we take real American dollars for payment, buy now!"
Does your old Mega life and Health or midwest national life agent now have UA on their license? If not now, they soon will--a deal was made. (absolute fact)
Don't replace your coverage through work with individual coverage!!! Only do it as a last alternative to COBRA (the offered extension of coverge when you leave.)
If the outline states "...OR SERVE AS A SUPPLEMENT TO EXISTING COVERGE," then you can expect it to function as an over-priced, weak supplemental.
Do you keep seeing a particular company come up over and over on ripoffreport.com with a bunch of agents defending it? I wouldn't want to be one of those unfortunate people writing the complaints...would you?
spelling, punctuation, ect. Whom cares lol. The point is made.
Frank
Kansas City,Missouri,
U.S.A.
OK, Thomas - one more time
#9UPDATE Employee
Tue, March 20, 2007
Since you didn't introduce yourself in any particular capacity, I wonder why you bothered to write. Victim? Ex-employee? Melissa's boyfriend?
Except, of course, to add the "m" to my who. What was I thinking?
Anyway, there are a couple of things that need clarification. State insurance departments have to approve any product sold in that state. I think they might disagree with your assessment of their efforts.
My dealings with Blue Cross/Blue Shield have been satisfactory. However, they have been known to generate substantial price increases on an annual basis on top of age-related bumps in premium. That's "attained age" rates as opposed to "issue age" rates used by UA. Cost of living increases only - not annually and normally a single digit %.
BCBS also has the ability to cancel folks at the company's discretion. They have been known to exercise that option. UA's programs can only be cancelled by the client.
State Farm is another matter. I, personally, have had no issues with them, however, there are large numbers of people in LA and MS who are rather unhappy with them. The "dirtbag" factor seems to have infiltrated the loftier ranks.
I'm not concerned if you found my remarks tiresome. It was my take on the situation. Maybe, just maybe, you spend too much time on websites like this and have seen and heard it all.
Take a night off! Take Melissa out to dinner!
Thomas
Anderson,South Carolina,
U.S.A.
Maybe Frank should practice the "do you want fries with that" line?
#9Consumer Comment
Mon, March 19, 2007
His retort is unoriginal and tired.
"With insurance regulated as closely as it is, you don't stay in business for 60 years with "bogus" products."
No, regulations only require the company to deliver what the product (policy) states will be delivered. If the price is high and the coverage is low, too bad. "Bogus" products are sold sucessfully all the time. Direct Buy has been around for at least 30 years.
"Are there misunderstandings, miscommunications or unscrupulous agents? Absolutely. The dirtbags get found out pretty quickly - reputable agents and managers dislike them as much as the people who they prey upon."
Funny, I never run into a "dirtbag problem" when I deal with Blue Cross/Blue Shield or Blue Choice, not to mention, say, State Farm. And B/T/W Frank, its "whom", not "who". I thought you would like to have that pointed out since you criticized others' ungrammatical posts.
You provided a very tired response, Frank. Try again.
Thomas
Anderson,South Carolina,
U.S.A.
Maybe Frank should practice the "do you want fries with that" line?
#9Consumer Comment
Mon, March 19, 2007
His retort is unoriginal and tired.
"With insurance regulated as closely as it is, you don't stay in business for 60 years with "bogus" products."
No, regulations only require the company to deliver what the product (policy) states will be delivered. If the price is high and the coverage is low, too bad. "Bogus" products are sold sucessfully all the time. Direct Buy has been around for at least 30 years.
"Are there misunderstandings, miscommunications or unscrupulous agents? Absolutely. The dirtbags get found out pretty quickly - reputable agents and managers dislike them as much as the people who they prey upon."
Funny, I never run into a "dirtbag problem" when I deal with Blue Cross/Blue Shield or Blue Choice, not to mention, say, State Farm. And B/T/W Frank, its "whom", not "who". I thought you would like to have that pointed out since you criticized others' ungrammatical posts.
You provided a very tired response, Frank. Try again.
Thomas
Anderson,South Carolina,
U.S.A.
Maybe Frank should practice the "do you want fries with that" line?
#9Consumer Comment
Mon, March 19, 2007
His retort is unoriginal and tired.
"With insurance regulated as closely as it is, you don't stay in business for 60 years with "bogus" products."
No, regulations only require the company to deliver what the product (policy) states will be delivered. If the price is high and the coverage is low, too bad. "Bogus" products are sold sucessfully all the time. Direct Buy has been around for at least 30 years.
"Are there misunderstandings, miscommunications or unscrupulous agents? Absolutely. The dirtbags get found out pretty quickly - reputable agents and managers dislike them as much as the people who they prey upon."
Funny, I never run into a "dirtbag problem" when I deal with Blue Cross/Blue Shield or Blue Choice, not to mention, say, State Farm. And B/T/W Frank, its "whom", not "who". I thought you would like to have that pointed out since you criticized others' ungrammatical posts.
You provided a very tired response, Frank. Try again.
Thomas
Anderson,South Carolina,
U.S.A.
Maybe Frank should practice the "do you want fries with that" line?
#9Consumer Comment
Mon, March 19, 2007
His retort is unoriginal and tired.
"With insurance regulated as closely as it is, you don't stay in business for 60 years with "bogus" products."
No, regulations only require the company to deliver what the product (policy) states will be delivered. If the price is high and the coverage is low, too bad. "Bogus" products are sold sucessfully all the time. Direct Buy has been around for at least 30 years.
"Are there misunderstandings, miscommunications or unscrupulous agents? Absolutely. The dirtbags get found out pretty quickly - reputable agents and managers dislike them as much as the people who they prey upon."
Funny, I never run into a "dirtbag problem" when I deal with Blue Cross/Blue Shield or Blue Choice, not to mention, say, State Farm. And B/T/W Frank, its "whom", not "who". I thought you would like to have that pointed out since you criticized others' ungrammatical posts.
You provided a very tired response, Frank. Try again.
Frank
Kansas City,Missouri,
U.S.A.
"You want fries with that?"
#9UPDATE Employee
Mon, March 19, 2007
Melissa,
Memorize that phrase; it will help you in your fast food career.
I'm relatively new to UA but not to the insurance industry. I noticed this site while Googling UA and thought it would be helpful to see what problems might exist with UA in the marketplace. I've read over every posting by a "victim"(client or misled employee), confused job seekers, and colleagues from around the country who took the time to address these issues.
With insurance regulated as closely as it is, you don't stay in business for 60 years with "bogus" products. Are there misunderstandings, miscommunications or unscrupulous agents? Absolutely. The dirtbags get found out pretty quickly - reputable agents and managers dislike them as much as the people who they prey upon. Sometimes, even good agents don't get all the details across; and some folks suffer from "selective hearing".
By and large, the company does what it says it will do, the products cover what they say they will, and the opportunity is unlimited.
The letters from the "losers" are either sprinkled with profanity, bile and plenty of finger pointing not to mention incredibly bad spelling and grammar (even from the proclaimed college student).
Company rebuttals are generally well phrased, organized and completely factual. From my few months' experience, substantial amounts of leads are available. Some work, some don't - some were completely false (turned out a couple of call center associates were inventing interested parties - they were fired).
However, with a decent work ethic and some management support, anyone can make this work. BTW, managers have a vested interest in helping an agent succeed.
It's a win-win-win situation for all parties, if done properly and ethically. So, my conclusion is that I've made the right choice and will stay with United American.
Better get back to the takeout window, Melissa. Your break's about over.