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The clients are fully aware of what plans cover and what plans do not cover.
I don't care what you tell your customers about your product being " non insurance", or, " there is no guarantee claims will be paid". Have you ever heard the phrase, "selective amnesia?" Somewhere down the road, when a claim doesn't get paid, and, an attorney gets involved, they will be looking to pin the tail on the donkey. That will probably be ok for you. You probably have no reputation or assets to risk. Just change your cell number and move to a new town. Rinse & repeat. Your back in business.