Craigslist

Jul 13, 2007

  1. somarco
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    somarco That Medicare Guy

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    State:
    Georgia
    Posted in Atlanta . . .

    I am a Small Business Consultant.

    I am an insurance agent in GA for The MEGA Life and Health Insurance Company. We specialize in assisting the self-employed, as well as those responsible for paying for their own insurance. We offer plans that allow you to customize your insurance to meet your individual budget and needs, making it affordable for anyone, while assuring you have quality coverage.

    Our plans are quite different than traditional HMO’s. Our policies are customizable, so you create a plan that works for your particular situation. You pay only for the benefit options you need or want, and not for those that would not be of value to you.

    NO CO-PAYS
    NO PRE AUTHORIZATIONS
    DENTAL
    VISION
    INCOME PROTECTION
    24 HOUR COVERAGE
    AND MORE!

    Other features of our Care One Policies:

    - MEGA has contracted with one of the largest provider networks in the area
    - A choice of deductible options
    - Prescription Drug Rider*
    - Dental insurance that allows you to keep your current providers.*
    - Vision insurance with coverage for yearly exams, lenses and frames.*
    - With the purchase of the outpatient accident expense rider, you can experience benefits without meeting the base deductible.*
    - We pay claims based on "usual and customary" charges.**
    - We cover you 24 hours a day, on and off the job***
    - No referrals or pre-authorizations required

    My clients enjoy personalized service for questions and concerns. As well, I will visit with you at your convenient to review your insurance options in detail to ensure you are making the correct choice for your health care coverage. Purchasing a policy off the internet could result in an uninformed choice and less than expected coverage. Please contact me at your convenience to discuss a time we can meet and build a policy that meets your needs. I look forward to assisting you.

    CALL NOW!!!
     
    somarco, Jul 13, 2007
    #1
  2. Krono
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    Krono Super Genius

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    Don't you know UGA is a Salesperson"s Dream?

    Poor guy probably fell for this CareerBuilder ad:

    "Job Description

    A Salesperson''s Dream
    Take charge of your sales and marketing career. We seek hard-working individuals with a desire for true opportunity.

    UGA redefines the standard for success as we serve America''s small business owners and self-employed individuals. We believe the achievements of our company inherently depend on the accomplishments of our representatives across the country, so we developed a company culture that places the achievement of our representatives above all else. (Above ALL else is right...) This uncommon approach has attracted people from all walks of life, helping them achieve their dreams.
    If you have experience in customer service, sales, marketing, public relations or management, you may have what it takes to be part of the UGA team. You will call only on business owners and others who have requested to see you. (What a LOAD!)
    Earning potential:

    Up to $150,000 or more on commission as a rep
    Up to $400,000 or more on commission as a leader
    Even more benefits:

    Immediate cash weekly
    International vacations
    Up to 12 bonus opportunities per year
    Stock ownership
    Lifetime vesting
    Retire comfortably in 10 years (Hahahahaha!!!)
    UGA offers a lifetime of personal rewards. It''s not just a dream - it''s your new career.
    Click Apply to begin a fulfilling and rewarding career."
     
    Krono, Jul 13, 2007
    #2
  3. BKrocko
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    BKrocko Guru

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    Which one is scarier?

    #1. Agent knows plan is inferior and continues to sell it.

    #2. Agent does not know or understand plan and continues to sell it.

    #3. Agent truly believes plan is great and continues to sell it.

    It's disgusting and a poor reflection of our industry - although entertaining at times to the trained eye.
     
    BKrocko, Jul 13, 2007
    #3
  4. STIBROKER
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    STIBROKER Like My post and enter the DRAWING,,,, Moderator

    Posts:
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    State:
    Texas
    if he did not put a file number on the plan he was talking about on Craigslist he is in violation of insurance advertising codes......
     
  5. Crabcake Johnny
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    Crabcake Johnny Guru

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    State:
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    He's also in violation of Mega Life and UGA advertising rules. Mega won't let you do anything online.
     
  6. Mr. Bill
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    Mr. Bill Guru

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    Oh by the way, Mega is offering a return-of-premium plan.....
     
    Mr. Bill, Jul 13, 2007
    #6
  7. STIBROKER
    Offline

    STIBROKER Like My post and enter the DRAWING,,,, Moderator

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    State:
    Texas
    they have always had that....


     
  8. Crabcake Johnny
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    Crabcake Johnny Guru

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    State:
    South Carolina
    He also doesn't identify himself as an insurance agent - but a "small business consultant." That's a DOI violation. You cannot solicit the sale or or advertise insurance products without stating you're an agent or trying to mislead people by having them think you're not an agent. Mega got nailed by MD on their last market conduct regarding this issue.
     
  9. Crabcake Johnny
    Offline

    Crabcake Johnny Guru

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    State:
    South Carolina
    From the MD market conduct:

    The examiners direct the Company to appoint or terminate the agents.
    Business Cards
    The examiners were provided a sample of 3 business cards used by the area leader
    (District Manager) and field representative. The cards were as follows:
    1. NASE / Enroller for the National Association for the Self Employed
    Listed as representative. No reference to insurance.
    2. United Group Association [UGA]
    Area Leader. No reference to insurance
    3. UGA – Association Field Services
    Representative. A Division of the MEGA Life and Health Company
    COMAR 31.15.04.06B states an agent shall inform the prospective purchaser, before
    commencing a sales presentation that the agent is acting as a life insurance agent and
    shall inform the prospective purchaser of the full name of the insurance company which
    the agent is representing to the buyer. These business cards present primarily to the
    proposed insured that the solicitor is a NASE Representative, thus violating the intent of
    the code.
    COMAR 31.15.03.06C states any sales presentation soliciting insurance to mislead
    or in any way that implies that the agent’s compensation is unrelated to insurance sales,
    unless this is actually the case. The business cards intentionally present the agent as a
    [FONT=arial,sans-serif]Page 65[/FONT]
    MARYLAND INSURANCE ADMINISTRATION
    AUGUST 12, 2004
    __________________________________________________________________________________
    MEGA LIFE AND HEALTH REPORT NO. 844-02
    PAGE 65
    NASE representative, disarming the proposed insured to believe something other than
    insurance is to be sold which is a violation. The Company recently revised the producer
    business cards to identify Mega Life and Health Insurance Company and identify the
    producer as an “insurance agent”.
     
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