Senior Healthcare Consultants/RJR Insurance

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PostPosted: Thu Jul 08, 2010 5:45 pm   Post subject: GAFRI Business  

Twitch - I have records of all my seniors that I enrolled in their plans. I know them all personally and have kept a detail micro exel sheet of all their names and when issued. Plus I have all their policies on file at home.



I also have printed out all my information from SHC website along time ago knowing the RECORD they have of not paying me!!! I have all the proof of everything to document the HARDSHIP and EMOTIONAL distress this company has put me through in the past 3 1/2 years.



I only stayed with them because of my seniors BUT all my seniors know that they are behind in paying my renewals.



One of them, HE'S A BIG OIL MAN, in my community is ready to contact some BIG POLITICIANS in IL to stop them from having any consultants sell insurance in IL. He is furious as they claim they are the INSURANCE company when they are not and then they represent themselves as the ones to contact when it's ME the consultant that sold them the policy and GAFRI the one they pay their premium too!!!!



I just want my renewals from the FREE LEAD DIVISION paid monthly as long as they are on the books. Then my escrow money that has matured - no longer advance commissions - released!!! They can release the rest when it matures monthly. Plus the last policy that I had issue was 4/1/2010 so the 90 day period is past!!!!



They are person worse NIGHTMARE!!!!!!


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PostPosted: Thu Jul 08, 2010 5:58 pm   Post subject:   

That's a good start. I'd really recommend that you go to the GAFRI website anyway and print your actual book of business though. Take a close look at the declines from SHC and check each one against the actual issue record from GAFRI.



You are prohibited in your agent contract from talking to any of your clients for some time after separation. You may want to consult with your attorney about the implications of this. I also have reason to believe SHC will try to feed your current clients back into their lead hopper in order to roll your business and get the renewals out of your hands. They will generally try to send a newer person in the preset division to do this, as the new agent's longevity there is usually measured in days or weeks - when the agent quits or is forced out, they have all of your former client's renewal (and possibly even commission) free and clear.



I'd still recommend closing your bank account. If you are expecting renewals from SHC - well, good luck with that, but they can just as well send you a paper check for the balance. By all means, cut off their access to your account. This goes for anyone else out there who is leaving or has just left SHC.



Good luck, Tammy. Again, sorry you've been hurt so badly by these people.



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PostPosted: Thu Jul 08, 2010 6:09 pm   Post subject: My Seniors in GAFRI  

I can tell you if SHC tries to approach my seniors on rolling my business from the FREE LEAD DIVISON - they are doing HARM or CREATING RISK for my seniors. As all of them have the PLAN J with LOYAL. This plan is no longer available and PLAN F is the best which has less benefits!!!



Plus most of my seniors are personal contacts that have called me and know that they need to contact every so often just in case I did leave SHC which have now!!!! They know whenever they get a letter or anything from SHC to contact me!!!



It's funny when they do try to contact them as it shows my seniors what kind of JOKE they are!!!!!


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PostPosted: Thu Jul 08, 2010 6:28 pm   Post subject:   

Actually, taking them from an old Plan J to a new Plan F often makes a good deal of sense as long as the senior can get through underwriting. There never was a great deal of difference between Plan J and Plan F, and the newer Fs are generally lower in premium than their old Plan F counterparts simply because they're a newer book of business and don't have a ton of outstanding claims against them (yet). And remember that "lower benefits, lower premiums" is an entirely valid reason for Medicare Supplement replacement.



So, yeah, they're coming after your people. I was encouraged MANY times to roll existing SHC business when I was an agent. Most times I didn't even know the person I had enrolled was a current SHC client until the terminated policy's agent called me angrily...and I just told him "well, it was on my preset lead sheet!" Which it was.



It sounds like you have a great rapport with your clients. I truly hope they call you and warn you if and when the twisting shenanigans start.



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PostPosted: Thu Jul 08, 2010 7:26 pm   Post subject: plan J - plan F  

Totally agree on the plan F is full coverage but right now their Plan J with Loyal is at a very competitve rate and locked in for one year. If after one year the premiums sky rocket and a company that offers the plan F is much more affordable with good finicial stability, then I would encourage the change. But for right now there is no reason for any switching.



I thank you for all your suggestions, my hopes are no one else falls in this trap. And that SHC will finally wake up and smell the coffee that what their doing is not right and needs to be fixed immediatley.


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PostPosted: Thu Jul 08, 2010 8:36 pm   Post subject: Latest Response  

Just texted Mr Douglas to see if He could get Mr Corder to finally post my renewals and my escrow release. Here is his response - Brian



Mr Douglas says it's your responsibilty  on the money areas, please get this handle - asap - also my seniors will be well taken care of by me as their consultant. They don't know any of you  from Texas and your not the insurance company.  Tammy



Below is rob - text message -



Work through Brian Tammy, you know this is not my area within the company.



Please do not email or text me again unless it is client related.  Even though you say they don't want to know about us, we still have an obligation to them to ensure they are well cared for.  That responsibility we take very seriously so if you have a question or need assistance there I will assist, if not then please do not contact me as I have many sales related duties that require my attention.



Thank you!



Sent from my iPhone


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PostPosted: Thu Jul 15, 2010 1:47 pm   Post subject: DITTO..DITTO  

THE HIDDEN TRUTH TO THIS WHOLE THING WITH SHC IS THAT AN AGENT CAN DO MUUUUUCH BETTER ON THEIR OWN. YOU CAN MAKE 3-4 TIMES THE MONEY, AND RENEWALS ARE MUCH HIGHER IF YOU CONTRACT WITH THE INSURANCE COMPANIES YOURSELF. AND....YOU DON'T HAVE TO TOLERATE THEIR BS: UNDELIVERED PROMISES, HALF TRUTHS ABOUT EVERYTHING FROM PRESENTATION POINTS TO GETTING PAID, GETTING YELLED AT BY THEIR GUSTAPO ONLINE MEETING PRESENTERS.



BOTTOM LINE: IT'S A GOOD INDUSTRY, JUST DON'T WORK FOR SHC. MAKE YOUR OWN APPOINTMENTS AND HELP SOME SENIORS


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PostPosted: Fri Jul 16, 2010 6:22 pm   Post subject:   

OKAY! But please don't scream at us like that.



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PostPosted: Wed Aug 04, 2010 4:49 pm   Post subject: wow!!  

I just completed my phone interview and was all ready to go except the upfront financial committment. Made me take a second look. I don't mind working hard to get what I want and I know there are investments that need to be made to start your own business. I get it. I also get they are pretty smart making money on the agents and the clients with the set up fee. They say it is to insure that you are committed.



I have to say even after some of the rants of past employees who didn't make any money in the first 4-6 weeks I was still considering the company. They were upfront about the hardships and the money and time it would take. I figured it was worth it to get to the goal I wanted. But after hearing Tammy and truly understanding their business and realizing that there slogan "Grow Wealthy with Our Future" was about management making all the money off the agents hard work.



If you think about it from a business stand point they are making bank off you every which way. Yes you can eventually make good money but at what price to you.



I really did want to sell these products to seniors I think it would be a wonderful business to get into. Does anyone know of a reputable company that will invest you as an employee and be fair about paying you what you deserve?



Thank you for this site it did help me make my decision.


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PostPosted: Wed Aug 04, 2010 6:21 pm   Post subject:   

Quote:
You are prohibited in your agent contract from talking to any of your clients for some time after separation.




Generally, such non-compete agreements are hard to enforce unless it involves the disclosure of "trade secrets". From what I can tell by reading through this thread, some the "secrets" have been pretty-well laid bare!



You cannot be sued for sending a letter to your client list telling them that you're leaving the company (or have left, although their addresses technically belong to the company, but you could argue that you were just being courteous and disposed of the addresses immediately thereafter) and give them a number or address where they can contact you. A client is free to follow you anywhere, as long as they know how to contact you.



Just don't actively solicit their business to a new agency in the letter. You can word the letter benignly to the effect:



Dear Clients,



After several years of representing SHC, I have decided to join the XYZ agency in Big City, MA. If you have any questions or concerns, feel free to call me at (800) xxx-xxxx, or write to me at 123 Main Street.



Your present coverage through SHC will not be affected as I move to XYZ Agency, 123 Main Street, Big City, MA. You may contact SHC at (800) xxx-xxxx if you have any questions about your coverage.



Kindest regards,

Tammy




If a client chooses to follow you, you are free to do business with them -- because you never said, "Come and follow me to XYZ Agency," all you said was, "Here's where I'll be." That's actually public information, since you have to notify the State Dept of Insurance of any address changes, and your license information is public, so you cannot be sued over it.



But remember, the rules concerning replacement of Medicare Supplement insurance are established by the federal government and codified by the states. You must "materially improve" a client's situation after the replacement has been made.



Same benefit for the same money, just a different company, is not always a material improvement. Same benefit for less money always is an improvement, as is more benefits for the same or less money. Even more benefits for more money can be a material improvement, if the additional benefit(s) are in the best interest of the client, not the agent.



And you commissions in a replacement will probably be $0 because you are not allowed a commission as if it were new business, only a commission based on the difference between the old premium and the new. So if the new premium is less than the old premium, you might only receive your commission at the next renewal.



But at least you'll begin to rebuild a book of business with folks who already know and trust you, and won't hesitate to refer you to their friends and relatives. If your new business is broader than just senior products, that can be a fast track to a solid business.


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PostPosted: Mon Aug 23, 2010 10:37 pm   Post subject: There is a better way  

I hope anybody reading the post about disgruntled past employees listen to them. SHC is not a rip off but if you have what it takes to make it with them you can make it on your own or hook up with a local insurance agent or even in MLM(which is what I do).

I worked with them for 4-5 weeks and could see the writing on the wall and got out and I am glad I did. I instead have applied my work ethic in a different direction and I am much happier.

Good luck

Shane


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PostPosted: Wed Aug 25, 2010 4:02 am   Post subject: Hmmm...  

w w w apex-elite com



Another operation set up exactly like SHC? My guess is it is a shift to get away from the well known brand name. Much nicer website although it is registered by proxy.


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PostPosted: Wed Aug 25, 2010 9:44 pm   Post subject: Thanks Shane (Better Way)  

Thanks Shane (better way), that is good advice.



There are a ton of opportunities out there that seem to work pretty much the same way. They all seem like you are going to have to work really hard to be successful. I don’t mind the hard work, but if I am going to work that hard I would rather get as much for it as I can without having to be strongly managed or forced to work long hours. My thought is to try one of these types of opportunities that say they will take care of the lead generation part of the business for you as a last result only if I am not as successful on my own as I would like to be. At that point at least I can say I tried it on my own first.



Have you checked out SeniorChoice’s opportunities? How about The Insurance Hub? I’ve seen some pretty enticing job offers with Prudential as well. What about, AmeriLife, have you heard of them? No preset appointments, but they say they have leads and I can work my own hours.


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PostPosted: Thu Aug 26, 2010 4:00 am   Post subject: Much Appreciated  

Thanks to all who have contributed to explaining some of the differences and pitfals of this industry and the different things to look for when getting into this business. I really feel like I could do well with the senior population and the long term income potential of insurance sales is very appealing. I don't think I would have a problem finding people to see since I live in an area with TONS of senior citizens. I'd love some feedback on some options I have run across although some of them have some questionable things posted about them as well, on this site and others.



For instance, has anyone done anything with United American? They seem to have a good rating and great incentives but have had some negative press as well, but they have been around for a long time so they must be doing something well, right?



What about Senior Market Sales? They seem to have a very comprehensive set of products and sales strategies, but how do the commissions compare at some of these places?



Lastly, anyone worked with Precision Senior Marketing? They apparently (a friend in the business forwarded me an email he received) have a brand new Medicare Supplement they are about to start offering which seems to me would potentially be a good opportunity to get in on the ground floor.



Sorry so many questions, but I really do feel like the information you are providing has helped me avoid some possibly huge mistakes, so thanks again for that.


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PostPosted: Thu Aug 26, 2010 10:58 am   Post subject: Ritter Insurance  

Ritter Insurance - call Craig or April - They get you contracted w MAJOR well known companies. It is not captive contract. The insurance companies pay you directly and the number of products available is countless. Mr Ritter is a leader in the industry with a remarkable website for your use as a tool. Their support staff is amazing. You get all your commissions and renewals, they get a override for recruiting you!!


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