Final Expense Riders

[jdeasy]

Actually, with American Amicable, if the insured passes away, the rider turns into a paid up policy to age 25.

Speaking of AmAm, here's another PM I got about them;

" another dishonest thing that gimmicky Northstar does, is tell folks how the nursing home waiver will pay their premiums when they go into the nursing home and the confined benefit will pay them 5% of the policy face value per month while they're in the nursing home - but their script "omits" the fact that those benefits are paid out of the policy's cash values and will quickly reduce the death benefit. So the prospects think they're getting a great deal - they go to the nursing home and don't have to pay premiums anymore, AND on a 10K policy they get paid $500/month AND their family still gets the 10K when they die! This is why nobody who actually reads their Pioneer American policy keeps it. They quickly realize they've been scammed! "



^Is that true?

 

[goillini52]

Speaking of AmAm, here's another PM I got about them;

" another dishonest thing that gimmicky Northstar does, is tell folks how the nursing home waiver will pay their premiums when they go into the nursing home and the confined benefit will pay them 5% of the policy face value per month while they're in the nursing home - but their script "omits" the fact that those benefits are paid out of the policy's cash values and will quickly reduce the death benefit. So the prospects think they're getting a great deal - they go to the nursing home and don't have to pay premiums anymore, AND on a 10K policy they get paid $500/month AND their family still gets the 10K when they die! This is why nobody who actually reads their Pioneer American policy keeps it. They quickly realize they've been scammed! "



^Is that true?

Hey, If AmAm would screw our servicemen, why wouldn't they screw unsuspecting seniors?

 

[NSRH]

Speaking of AmAm, here's another PM I got about them;

" another dishonest thing that gimmicky Northstar does, is tell folks how the nursing home waiver will pay their premiums when they go into the nursing home and the confined benefit will pay them 5% of the policy face value per month while they're in the nursing home - but their script "omits" the fact that those benefits are paid out of the policy's cash values and will quickly reduce the death benefit. So the prospects think they're getting a great deal - they go to the nursing home and don't have to pay premiums anymore, AND on a 10K policy they get paid $500/month AND their family still gets the 10K when they die! This is why nobody who actually reads their Pioneer American policy keeps it. They quickly realize they've been scammed! "



^Is that true?

John, its funny how you call out those who post in secrecy and in anonymity, yet here you are being a bull horn, for someone who is too much of a coward to post publicly. You use the word "drivel" often, and here is a classic case of just how much drivel you spew around here.

Man up John Dugger.

To answer the apparent namby-pamby who is more than likely failing at face to face sales, as he did with telesales, here is my response.

FIRST - You are failing because you look for reasons outside yourself as to what you can improve. You are the problem. Not Me, or your current IMO. SECOND - You will likely fail out of this industry until you fix my first point.

We are 100% in compliance, always.

The notion, that an optional rider is being used to mislead people into purchasing a life insurance policy is so grotesque, thats its even below you, sir.

It would be like saying selling a fraternal certificate of insurance to a customer and not discussing the risk involved in that compared to a life insurance policy is scamming people.

You've reached a new low. Grow up.

Ive always been transparent, and have nothing to hide. Your attempt to libel me is sad.

My personal number is 636-728-9398 and my email is "ramiz[@]northstaria.com. Heck, our company facebook is: facebook.com/northstaria and our address is 100 Mall Parkway Wentzville, MO 63385

You or anyone with questions or issues can reach me direct.

Whats your phone number and address John?

 

[PA Bill]

That's a Pa issue PA Bill, cross over to NJ and Trans riders don't require a Parental signature.

Thanks man, didn't know that. Good to know as I've always been wanting to try my luck over there as I can drive to Camden in 30 minutes (or maybe even a one or two hour trip to beach areas like AC or Cape May County). I can be in Wilmington, DE in a half hour, as well (that's where I load up on the alcohol). Up until very recently, the great state of PA officially considered me a "bootlegger". I wish they hadn't changed that law. I kind of got a little kick out of being a bootlegger.

I'm always open to more learning and probably should have put two and two together as PA has other quirky rules such as limiting the ages companies can offer modified contracts to. I guess my populist mindset is sometimes too quick to automatically blame the big, bad insurance company and the bozos who run them.

 

[jdeasy]

John, its funny how you call out those who post in secrecy and in anonymity, yet here you are being a bull horn, for someone who is too much of a coward to post publicly. You use the word "drivel" often, and here is a classic case of just how much drivel you spew around here.

Man up John Dugger.

To answer the apparent namby-pamby who is more than likely failing at face to face sales, as he did with telesales, here is my response.

FIRST - You are failing because you look for reasons outside yourself as to what you can improve. You are the problem. Not Me, or your current IMO. SECOND - You will likely fail out of this industry until you fix my first point.

We are 100% in compliance, always.

The notion, that an optional rider is being used to mislead people into purchasing a life insurance policy is so grotesque, thats its even below you, sir.

It would be like saying selling a fraternal certificate of insurance to a customer and not discussing the risk involved in that compared to a life insurance policy is scamming people.

You've reached a new low. Grow up.

Ive always been transparent, and have nothing to hide. Your attempt to libel me is sad.

My personal number is 636-728-9398 and my email is "ramiz[@]northstaria.com. Heck, our company facebook is: facebook.com/northstaria and our address is 100 Mall Parkway Wentzville, MO 63385

You or anyone with questions or issues can reach me direct.

Whats your phone number and address John?

You, sir, are a liar!!

 

[NSRH]

You, sir, are a liar!!

Haha. Your idiocy cracks me up.

So whats your address and phone number John?

Also, when will you call out the coward who is typing behind their keyboard and not posting their feelings in public. Who is it John? Call em out.

 

[papercutter]

Haha. Your idiocy cracks me up.

So whats your address and phone number John?

Also, when will you call out the coward who is typing behind their keyboard and not posting their feelings in public. Who is it John? Call em out.

I'm the one who has been sending him info about you. I know all about you because Wikileaks hacked into your computer system, and I keep in touch with Julian Assange.

 

[NSRH]

I'm the one who has been sending him info about you. I know all about you because Wikileaks hacked into your computer system, and I keep in touch with Julian Assange.

Lol, makes total sense!

 

[Toranaga]

You, sir, are a liar!!

I read that in Foghorn Leghorn's voice.

 

[goillini52]

I read that in Foghorn Leghorn's voice.

Hahaha, it does fit. Welcome back.