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 Posted: Wed Mar 10, 2010 4:54 am Post subject: |
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PLEASE BE ADVISED
SHC's business practices are currently being investigated.
At this point, I've spoken with more than a dozen current and former agents and have acquired a great deal of information from them. I am in the process of gathering training videos and manuals, recordings, advertisements, letters, literature, commission scales, company sales procedures, policyholder information, etc.
I would like to speak with anyone having experience with this company (good or bad).
I have created a thread dedicated solely to SHC in the Insurance Fraud section of this website. I would prefer that any and all information and/or experiences be discussed there.
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Please feel free to go to my website at www.markcolbert.com or, if you have a specific question, you can email me directly. I hope I can answer any questions you might have. If not, I can certainly find an answer right away. |
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InsInvestigator
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Joined: 13 Oct 2007
Posts: 534
Location: Central California
22.83 Dollars($)
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| Posted: Fri Apr 09, 2010 3:53 am Post subject: Been There/Done that.. Unfortunetely got screwed |
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Believe everything posted above by saintknowitall, I only wish I would have been more thorough in my research before deciding to go to work for SHC.
I went through the time and money to obtain my insurance license, paid for training, lodging and travel to Dallas. I was excited and ready to hit the streets. It didn't take me long to realize that the home office was only concerned with the numbers you were or were not putting up. You get charged $18 per appointment which sounded fair to me until I realized on about day 2 that only a few of those appointments are A) actual living people B) an address that really exists C) that the senior had any idea that you were coming and the few that did thought you were coming as a representative of Medicare and were only there to explain recent changes, NOT to sell them something. The kicker.....you still get charged $18 for each appointment, I guess they expect you to be good enough to sell to a corpse, find the resident of the home that once stood on the vacant land the address led you to or make a hard close on a senior who let you in their home under the premise that you were there to help them understand Medicare.
That's not even the part that had me seeing red, after about 3 weeks of traveling 2-3 hours away from home each day and let me point out folks, I live in HOUSTON, apparently there are no seniors here, showing up to countless bogus appointments and not getting paid for a bonus level I achieved in my first 8 days selling I decided it just wasn't for me. I notified the company that I would no longer be working with SHC and asked to collect the commission I had earned on the 6 policies I had sold I was told that they would not be paying me for the bonus or the commissions to the tune of about $2500 because they simply do not pay agents who no longer work for them. I'm in the process of fighting them with the help of the Texas Workforce Commission but seriously guys, is this anyway to run a business????
I think not! By the way, that bonus I earned was the partial reimbursement for the $599 training fee they push you so hard to obtain, so don't be expecting that to help with fuel costs while you're out making money for them, chances are you'll never see it.
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Kerrie Crawford
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| Posted: Fri Apr 09, 2010 4:12 am Post subject: Been There/Done that.. Unfortunetely got screwed |
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Just to clarify for anyone out there still having a hard time understand the business practices of SHC, below you will find the email I sent into SHC when I just could not continue making money for them all the while going broke myself....right after reading my email please, please read the response I received from the Vice President ( by the way, I have freckles older than him)
From: Kerrie Crawford [mailto:crawford7@peoplepc.com]
Sent: Wednesday, March 10, 2010 7:01 PM
To: I'm purposely leaving his name out
Subject: SHC Agents
HI D****,
I'm not sure who I need to contact in the company regarding the recent decision I've made but since you were my BCU trainer then I thought I would start with you. I have decided to no longer work for SHC, I've been in the field for 2 1/2 weeks now, put close to 2000 miles on my car, spent $500 in gas and I'm flat out of money. Although I wrote nearly $17,000 in my first 7 days and 6 contracts I have yet to see a dime of it or even the $500 training reimburrsment bonus I met. I had every intention of making this work but I am being sent 2-3 hours away from home each day only to arrive at my pre-sets and find most of them to not be of good quality. I can not afford to continue like this, perhaps I should have had a little more money saved up until the pay checks started arriving. At this point I need to find out who I need to speak with in order to get the $500 reimburrsment bonus that's owed to me and call everything else a wash.
Thanks for your help,
Kerrie Crawford
Did that in any way sound like I was attacking anyone?? Well apparently he thought so....read on
Kerrie – I’m very sorry to hear of your decision and I would like to address some of your concerns.
Your 1st concern was 2 weeks in the field without income and $17k in production. Your reports show you’ve only written $10k in production not $17k and I explained income downtime to you in the BCU and so did Mr. Douglas. It simply takes time to catch up. It takes time (about a week at first) for the carrier to process it. I explain that it’s usually your 3rd week when you see your 1st commission check, that would have been this Friday. Per the document you signed (and I’ve attached for you) on the last day of BCU “Income Downtime” is a reason for turnover. This is why we go to such great lengths to explain this in Dallas!
Your 2nd concern was putting 2000 miles on your car and $500 in gas. The only way you could have done this is if you were commuting to your area. Miles on your car and gas money wouldn’t have been nearly as much if you were staying in a hotel. You also wouldn’t feel exhausted by mid week as I’m sure you felt. Another reason for failure per our BCU talk is “overnight travel”.
Your 3rd concern was the quality of the appt. If you ever felt an appt was set that shouldn’t have been I told you in BCU to inform your phone coach who would inform me and I would have the recording pulled and emailed to you. Consultants nationwide are running the exact same appointments from TSR’s following the exact same script and having success with them. If you were not then I would have encouraged you to ask for coaching on how to present/close better. If they didn’t qualify I would have encouraged you to ask for coaching on how to better cross market and gain referrals. This is another reason for failure; “trainability”.
Lastly you mentioned the $500 bonus that you haven’t seen. My 1st question would be “have you requested it?” Remember, per the BCU all incentive programs require that you request the bonuses you’ve earned. In addition, this particular bonus said you had to write $10K in 8 day to get the bonus. You’ve only had 8 days of appointments and you did write the $10K which means it would have been added to this week’s commission statement assuming you request it along with much of the commissions for the $10K you wrote in the 1st 8 days. Unfortunately this bonus can no longer be paid to you Kerrie for the simple reason that your no longer on staff and we’re going to have to pay a persistency specialist to manage this business for you so it has a chance of staying on the books.
Please understand that I am in no way trying to beat you up but I do want you to understand the great lengths I personally go through to spell out everything we can think of to help and assist you through your learning curve. I also tend to take it somewhat personally when all my attempts in doing so go unnoticed. I tried very hard to address each of your below issues before you ever went in the field and I’m trying to do so again now.
My request is that you please own these reasons for your not making it own staff and I will offer my apology for being a apparent poor communicator to you, I will try and get better.
I do wish you very good luck in your future Kerry and I thank you for your time.
D***** ******
1st Vice President
Senior Market Sales
1700 Pacific Avenue, Suite 4600
Dallas, TX 75201
d********@shcmarketing.com
"Grow Wealthy With Our Future"
There you go folks, you've been warned....
If only I had seen something like this from another agent so I could have saved myself a lot of time and money
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Kerrie Crawford
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| Posted: Tue Apr 13, 2010 10:31 am Post subject: |
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Sounds like a scam. The video looks like a bad infomercial. Don't be gullible.
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Are you crazy
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| Posted: Thu Apr 15, 2010 7:56 am Post subject: To Seriously.. And Kerrie Crawford |
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Neither.. they are both junk sites.. Kerrie, I am really glad that you gave me those messages. I went through the webinar today, the 14th of April, 2010 and I do have to say that it sounds really good, but I nor do I know of anyone right now that has $600 to fork over on the hopes that maybe you might make your money back.. I would seriously take that Mr. Douglas (who sounds like he is about 20 or something) to court and really try to sew him for him not being a "good communicator" and leaving out very important information that cost you the money that you should be deserved, and the money that you have put it, that the powerpoint says is reimbursed to you. I was just looking at it, the one that I received in my email from the Fritz Simonson fellow that hosted the scaminar.. and it doesnt say that you must be on an active contract to receive the reimbursements.. Other than that.. i would really say that you have a shot at getting your money that is owed to you, take a look at a law book, and do it yourself, so you arent losing the 1/3 of the money you get back if a lawyer does it for you.. Good Luck.. If you need the powerpoint, I will be glad to upload it to any website for all to see..
Thanks,
Matt Lemons
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anony
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| Posted: Thu Apr 15, 2010 2:18 pm Post subject: Kerrie is 100 percent correct |
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Kerrie, thanks for putting up that correspondence.
Sadly, your experience is typical. I've made the point time and again that SHC's entire modus operandi is exhausting the agent and collecting their business and residuals. As you pointed out, there is no legitimate reason to send an agent out hours from their home for appointments: senior healthcare products are an absolute need.
Whether or not you stayed in a hotel or commuted, the costs against your gross income would be similar: $500 in gas for two weeks for commuting back and forth to your home is roughly equal to commuting out and back once a week, running appointments all day and adding six days of hotel charges at 65 dollars a day (which itself would be a total of $390 for 2 weeks). Mr. Croom's assertion that you could have saved yourself money is without merit.
In any event, the correspondence you posted shows just how difficult it is to get paid anything, much less the $1600 per week of net income that Senior Healthcare Consultants says base consultants average (Monster.com et al). How base consultants average this amount when 95 to 98 percent end up broke and quitting is beyond me...
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Twitch
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Joined: 25 Feb 2010
Posts: 32
10.92 Dollars($)
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| Posted: Sat Oct 23, 2010 4:44 pm Post subject: SHC |
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I started working with an independent senior health care consultant for my personal medicare replacement/supplemental insurance needs about 3 years ago and what a blessing she has been for me. I didn't understand all of the plans/options/prices/coverage/etc., and she went through it all with me, very patiently and very professionally. She filled out my application, followed through on all of it and bingo I've been such a happy camper ever since. If ever I have a problem with the company I selected or the Doctor accepting my insurance, I call her and she steps up to the plate. Seniors need help with this complicated insurance mess - just get someone you like and you trust and feel comfortable with. There are honest good people out there - you just have to find them.
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mamabee
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| Posted: Tue Oct 26, 2010 4:45 pm Post subject: apex-elite |
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I saw the name fritz simonson and now he is at apex-elite I did the phone interview and was wondering if anyone has done the training in fort worth and is it the same thing as shc I.M JUST TRYING TO FIND A LEGITAMATE COMPANY and I'm wondering if this is it. need help have a family to support and there are so many con artists out there it's scary
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just looking for a legit
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| Posted: Thu Oct 28, 2010 7:33 pm Post subject: Ritter Insurance |
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Tons of companies to choose from and no middle man!!! You get paid every Friday by the insurance company and no one else gets your money!!!!!
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legit
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