Senior Healthcare Consultants: How safe are they for agents?

by Guest » Thu Nov 30, 2006 02:41 pm

Senior Health Care Consultants provides specialized senior health care plans as well as senior financial plans and a range of other services. They have based their product on the needs of the senior members of the society. As and when you age you need more security. Senior Health Care Consultants strive to provide that financial security with their innovative plans for the senior members of the society.

What do consumers say about Senior Health Care Consultants?

Users in the community have put forth their views about the company. Some seem to be unhappy with the way they handle commissions and advancements when it comes to play as an employer.

Complaints against Senior Health Care Consultants:

Agents are particularly dissatisfied with the way they lay out their daily work. According to them they:
  • Put too much pressure on agents to meet sales targets.
  • Set immense targets for the agents.
  • They are not planned in their working.
  • They have also earned the reputation being the worst payer in the industry.
  • They do not answer calls made by their agents.

However, customers have given good feedback about the service they provide and have a comfortable ranking with BBB. One of our community members says that since SHC hires hardcore salesmen, only those individuals with the toughest mindset can work in this company.

Related Readings

I'd like to get you guy's take on SHC. The senior healthcare consultants reviews from present and past employees is wide ranging. I'm considering working for senior healthcare consultants .

Total Comments: 205

Posted: Wed Apr 15, 2009 11:02 pm Post Subject: SHC

I just left them, all they care about is charging for your appointments, $18 each and if you miss one of your 2 Hour a day meetings on line it gos to $24 an appointment, LIE LIE after LIE. They say 5 to 6 appointments a day I had Two at most, One day I had three out of three weeks. If you go to the appointment and they are not there or wont let you in the door because they think you are with medicare, they almost always think you are with medicare, but you are not and that make them mad, you still pay for the appointment. Go to work for someone else, they want to tell you you are helping the senior but by the way, the ins they have is always worse than what you have, not full coverage, owe bad company, most ret ins has better coverage than any supplement can offer but you have to talk them out of that and into your company that is better, the best out there, well until they decide they have to find a new one after a few months and that company finds out what SHC really is about. Run, RUN, RUN......only 2 to 3% make it past 2 months with them....I spent over $2000 of my own money and what I did sell went to pay for appointments and feesz for the shc company, richard dale jr....ass....look at how he got where he is, using all his friends to get rich and they got shit.... :(

Posted: Thu Apr 16, 2009 09:00 pm Post Subject: On the other side

I sat in on a sale appointment with a 84 year old neighbor lady. I will say the agent knew his stuff, but at the end was the hard sale. When I suggested that the lady would like to talk it over with her son before signing anything. The agent was on his feet, saying he would not have time to come back and she would have to sign up now or not at all. With that attitude, we told him not at all. :( Too bad for him. It was a good product and she probably would have take it out.

Posted: Fri Apr 17, 2009 06:25 am Post Subject:

Well, its the attitude of the both parties that matters in a successful sale. I can't actually blame the agent for that behaviour since he had the sales target to meet, nor I can say its the fault of the client, who would definitely think-over before putting her money in it. I agree its bad for the agent that he has lost a business opportunity for impatience. But that is how it is at times. :(

Posted: Fri Apr 17, 2009 10:17 am Post Subject:


When I suggested that the lady would like to talk it over with her son before signing anything.

I had been a tele-marketer once...had to push health advantage and came across such tricky situations on a number of occasions. I'd never fixed appointments with senior citizens in the absence of other household members. I must say that it was a bit foolish on the part of the agent to have lost a good opportunity! Steven

Posted: Wed Apr 22, 2009 01:00 am Post Subject:

It is VERY important when dealing with the Senior Market to include ALL of the decision makers. Although it may be easy to get poor granny hardballed into signing the app, she will just call and cancel a couple days later when her son or daughter finds out! Not to say that there aren't senior citizens who still handle their own affairs without any input from others, but it can be a very delicate situation.

The agent probably drove a very long distance and didn't want to fool with going back out to obtain a signature. SHAME ON HIM! It is agents like him that give a lot of Insurance Agents a bad name to begin with. I understand that our job is to sell, but high pressure tactics are NOT the only way to be successful.

As far as SHC goes, it is a terrible time to be looking to sell Medicare Advantage plans because a lot of Medicare Beneficiaries are currently locked-in until November. If that is all you have to offer, you will have a very frustrating 6 months.

I had not heard in the past that SHC was charging for leads. My agency PROVIDES 5-7 appointments a day (EVERY DAY) to the agents working the senior market. We would NEVER charge an agent for their leads! If anybody looking is in South Carolina...Contact me!

Posted: Wed Apr 22, 2009 01:14 pm Post Subject:

I understand that our job is to sell, but high pressure tactics are NOT the only way to be successful.

This is something that drops our conversion rate at the end of the day.

It is agents like him that give a lot of Insurance Agents a bad name to begin with.

There are others who'd rather choose to do simpler things e.g. call up their prospects beyond the business hours as specified by the FTC. They are the ones who'd often help us to get placed in DNC lists.

Posted: Thu Apr 23, 2009 02:44 pm Post Subject:

All I know is that they're into marketing of senior health care products. They'd pick customers who're in their late 60s. Check out their official site- Steven

Posted: Thu Apr 23, 2009 11:29 pm Post Subject:

I lasted at total of two appointment days with SHC. I had to leave just because I could not afford it.

SHC is not a scam but they were very smart on creating two streams of income one being from the sale of their insurance policies and two from new consultants.

I’m new to the insurance industry, but I do know the plans they did offer were great and 95% of seniors need the protection they offer.

If you don’t have a second income from a spouse to cover you while you’re not making money and you don’t have around $5,000 set aside to cover you during your “learning curve” you will really struggle. This is where I failed; I couldn’t afford the cost of a hotel and food in the area where my appointments were set. The area was about three hours from home.

The few appointments I did go on I faced several that didn’t answer the door, and two that showed “appointment remorse” meaning after making the appointment they didn’t want me there. This isn’t SHCs fault it’s just the nature of the business.

Note: the people that make the appointments get a monetary bonus if you sell a policy, so they want you to succeed.

Here is a breakdown in startup costs:

$599.00 – SHC start up fees
$149.00 – Third party insurance license training *
$65.00 – License test fee *
$45.45 – Finger prints *
$50.00 – License application fee *

$275.00 – Hotel in Dallas for training
$125.00 – Fuel costs to drive to Dallas
$50.00 – Dinner for the three days of training (they cater lunch)

Total - $1358.45 (I didn’t have to fly to Dallas)

* if you don’t already have a license

SHC does offer to refund these costs based on your sales within a specific amount of time. I do not recall the exact numbers and don’t have the experience to know if the required sales to qualify for the refund was achievable.

You are charged $18.00 per appointment.

If you leave the company and collected advanced commissions you will have to pay that back.
Here is a sample of their required meetings for the first few weeks. Keep in mind you need to travel and conduct sales as well.

Topic: Team xxxxx Monday Meeting
Meeting ID: xxxx
Date: Apr-13-09, 10:00 AM (GMT -05:00) Central Time (US & Canada)
Duration: 2h 30m
Topic: Monday Night 30K
Meeting ID: xxxxxx
Date: Apr-13-09, 7:30 PM (GMT -05:00) Central Time (US & Canada)
Duration: 2h 30m
Topic: Tuesday Morning Meeting
Meeting ID: xxxxx
Date: Apr-14-09, 6:00 AM (GMT -05:00) Central Time (US & Canada)
Duration: 1h 30m

Topic: Wednesday Morning Meeting
Meeting ID: xxxxx
Date: Apr-15-09, 6:00 AM (GMT -05:00) Central Time (US & Canada)
Duration: 1h 30m

Topic: Thursday Morning Meeting
Meeting ID: xxxx
Date: Apr-16-09, 6:00 AM (GMT -05:00) Central Time (US & Canada)
Duration: 1h 30m
Your sales appointments will run from around 9:00 am until 8:00 pm
The presentation is not for the faint of heart. You will be required to attempt to close at least 5 times. You will state that it may take months to get back into the area. This is a one presentation close type of sale. The presentation is designed to eliminate the following:
Company loyalty
Broker loyalty
“Need to think about it”
“I need to talk to my son/daughter”
To sum this up:
This wasn’t for me, but there are people that have been very successful at it.
Be prepared to spend your own money.
Be prepared to work long hours away from home and deal with pressure of not being home.
Be prepared to be somewhat forceful with seniors.
I hope this helps someone thinking about SHC. I tried to keep it just to the facts. This is and isn’t your own business you will need to put your own money and a lot of your time into it, but if you leave SHC they keep your business.
My suggestion to anyone new into insurance is to look at other companies first. A few days after leaving SHC I was hired by a well known company, and they paid for all of my training and travel associated with my initial training.

Good luck

Posted: Fri Apr 24, 2009 10:42 am Post Subject:

I do not recall the exact numbers and don’t have the experience to know if the required sales to qualify for the refund was achievable.

I don't think it's at all a fair practice from SHC. The cost is too much. What if someone fails to perform initially!
Whenever you join a company, you'd at least expect them to give you training regarding their expectations from you. This is something which should be employer-backed. Steven

Posted: Sat Apr 25, 2009 01:50 pm Post Subject:

Hi Steven,

It's not only about training. An employee needs a lot of compassion and trust during their initial phase. They'd need to go through a lot of hurdles and get accustomed with the work environment.

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