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What difference does it make if they are paying claims or not?
If the product is not properly filed with the state DOI (which it is not), and all attempts to track it back to a carrier or real business address, why would you want to sell it?
I'm not defending the plan, I hardly know anything about it. From what I have seen of it and the brochure, they are making it very clear what it is and what it is not. Since I operate in a state with virtually NO options for the uninsurable, I am at least keeping an open mind.