Telesales - Brutal Truth

[inreverse]

KSKJ would not contract an exclusive telemarketing agency, essentially face to face only. You seem to have difficulty understanding that the agents statement is not part of the direct initial underwriting process, its used to make sure the applicant fits in the fraternal organization

 

[rousemark]

KSKJ would not contract an exclusive telemarketing agency, essentially face to face only. You seem to have difficulty understanding that the agents statement is not part of the direct initial underwriting process, its used to make sure the applicant fits in the fraternal organization

Yet some have argued that Columbian would contest a GI policy if the agent's statement was false.

 

[inreverse]

Columbians (insurance company) GI is a one of a kind situation, I would still like to see if that would hold up in court, we are now splitting hairs. Fraternal's are not insurance companies, end of story.

 

[rousemark]

Columbians (insurance company) GI is a one of a kind situation, I would still like to see if that would hold up in court, we are now splitting hairs. Fraternal's are not insurance companies, end of story.

They are still bound by then terms of the contract. Most insurance contracts. -- policies or certificates - state the application is a part of the contract but they do not include the agent's report as a part of the application....... BTW, Columbia's GI is not a one of a kind situation. Other companies have the same app on their GI.

 

[inreverse]

I have not seen the same verbiage regarding the agents statement of health with others, I stand corrected, (wont be the last time, been married for 40 years, I am sure my wife have a few more to add). For what is worth, I was an early adopter of KSKJ and have found them to be nothing but a class act. What will it take to move the forum to building others up instead of tearing each other down? Confrontation to correct not just personal attacks would be a good next step.

 

[Thedude]

First time kskj has ever been so rightfully crapped on that I'm aware of?

We can point out the flaws of every other company but them ?

 

[inreverse]

KSKJ can take care of themselves, why do so many posts end up being a dog fight between people with fragile egos?

 

[goillini52]

I have not seen the same verbiage regarding the agents statement of health with others, I stand corrected, (wont be the last time, been married for 40 years, I am sure my wife have a few more to add). For what is worth, I was an early adopter of KSKJ and have found them to be nothing but a class act. What will it take to move the forum to building others up instead of tearing each other down? Confrontation to correct not just personal attacks would be a good next step.

The 1st time I heard of KSKJ was around 10 years ago(or more) when they came out with their Med Supp. I thought that was funny about the baptism requirement and I couldn't pronounce Kranjsko Slovenska Katoliska Jednota, so I didn't pick them up. I'm glad they shortened up their name.


I'd forgotten all about them until you started telling me about their FE product nearly 3 years ago. You were the 1st to mention them on the Forum that I know of Frank.

 

[rousemark]

I have not seen the same verbiage regarding the agents statement of health with others, I stand corrected, (wont be the last time, been married for 40 years, I am sure my wife have a few more to add). For what is worth, I was an early adopter of KSKJ and have found them to be nothing but a class act. What will it take to move the forum to building others up instead of tearing each other down? Confrontation to correct not just personal attacks would be a good next step.

I have no problem with kskj other than i can't pronounce their name. Certainly have no reason to "tear them down"

 

[jdeasy]

First time kskj has ever been so rightfully crapped on that I'm aware of?

We can point out the flaws of every other company but them ?

Where are they being crapped on? Rightfully or otherwise?

I have a local competing agent that can't beat KSKJ and can't get contracted with them, {can't beat 'em, can't join 'em}, so he comes up with stuff like you read here too.

So what?

The agent report stuff is nonsense. A policy cannot be contested over something that's not part of the contract. You would think licensed agents would be the first to understand that.

Then the hall monitor wants to bring up some jackleg stuff about some *** supposedly saying that Columbian's GI could be contested over the agent report. I don't even know what he's talking about but that couldn't happen either.

If someone doesn't want to write KSKJ then they shouldn't write them. It's that simple.

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Columbians (insurance company) GI is a one of a kind situation, I would still like to see if that would hold up in court, we are now splitting hairs. Fraternal's are not insurance companies, end of story.

KSKJ is certainly an insurance company. As is RNA and Foresters and Royal Arcanum, {ran into my first one of those in the field today}.

If they are not insurance companies then what are they? They all claim to be insurance companies.