|
|
Discussion on AHU run by crooks within the General Insurance Agent Discussions, part of the Insurance Agents and Brokers Forum category.
Do not work with AHU out of TX.
They are an IMO for World insurance and a few other carriers. ... |
12-05-2007, 03:18 PM
|
#1
|
|
Guru
Join Date: Sep 2006
State: 
|
Do not work with AHU out of TX.
They are an IMO for World insurance and a few other carriers. Their products are rip offs but more importantly, they steal your money.
There is NO vesting in your renewals.
If you do not write at least 1 case per year and your renewals drop below $100 per month, they STEAL your renewals.
Early this year the f***cked up a case with $1500 commission so badly the client fired me while I was trying to get is straightened out. I fired them and changed my contract to a local IMO but have only found a reason to place a few cases with World. I have almost no need for World any more, but it does piss me off with the way they treat agents.
I see no reason to deal with World as long as they use IMO's, especially those who like to steal your renewals.
|
|
|
|
12-05-2007, 04:20 PM
|
#2
|
|
Guru
Join Date: Jul 2007
State: 
|
Ouch! I like World and write them pretty often. I happen to like my IMO for them (out of Ft. Worth - PM me if you want contact info). Sorry you had such a shitty experience with them...bastards!
|
|
|
|
|
12-05-2007, 04:40 PM
|
#3
|
|
Guru
Join Date: Sep 2006
State:
|
but Jim will give you a cool ring if your a top producer......and 2112Greg ....its the same outfit.....
------------------------------------
|
|
|
|
12-05-2007, 05:21 PM
|
#4
|
|
Guru
Join Date: Jul 2007
State:
|
AHU, I've never heard of them. The initials of the group I work through for World are PMT. How are they related?
|
|
|
|
|
12-05-2007, 05:38 PM
|
#5
|
|
Guru
Join Date: Sep 2006
State:
|
he is talking about .:: WELCOME TO AHUINC.COM ::. .........
Welcome to American Health Underwriters' web site. American Health Underwriters is one of the leading health insurance marketing organizations in the USA today! We are Health Insurance Specialists, providing quality and comprehensive major medical plans for individuals, families and the self-employed. The American Health Plans are flexible, comprehensive and offer a wide range of deductibles and co-payment options.
Founded in 1968 by James H. Cashion, Jr., American Health Underwriters has been built by providing the best medical coverage to fit the needs of our customers through innovative, flexible and consumer friendly products.
Health insurance is an issue that most people take seriously. It is also a subject that is very personal and at times quite confusing. The rising cost of health care and health insurance is well documented and unmistakable. You have arrived at a place where the solutions to your health insurance puzzle are presented in an easy to understand manner.
American Health Underwriters' experienced and proven health insurance marketing and management personnel attract and retain qualified health professionals. With over 2500 sales associates, American Health Underwriters produces over $50,000,000.00 of new business annually.
We have been in business for over 30 years serving thousands of happy clients across the nation. Always putting our clients' needs first, let us help you today!
Fort Worth Accident & Health Insurance in Fort Worth TX Yellow Pages by SuperPages
Come see what American Health Underwriters has for YOU Today!
American Health Underwriters Categories: Insurance, Health Maintenance Organizations, Accident & Health Insurance
830 Taylor Street, Fort Worth, TX 7610
------------------------------------
|
|
|
|
|
12-05-2007, 06:11 PM
|
#6
|
|
Guru
|
I too have become disappointed in AHU and World. I keep my appointment with them only for "special" cases when underwriting may be better (about 1 time per year). World is a little more lenient in CO than some of the others - but if there is any way to place a client in either Aetna or Humana, I will always go that route for now.
I have received some unpleasant calls from existing World clients about billing. World seems to nickle and dime them to death. Things seemed to change with World after they merged with American Republic.
EX: Doc orders an ultra sound for a female because there is a lump on her breast (may be a simple cist or could be something serious). World claims that if nothing is discovered by the ultra sound, it is considered preventive, not covered because there is a 12 mth wait for preventive benefits. That means no network discount and the bill is not applicable toward deductible.
If something is discovered, then it would be considered diagnostic and would be covered subject to deductible. I think if a doc orders testing, it should be considered diagnostic - regardless if something is discovered or not.
They get real hung up on the preventive vs diagnostic scenarios. I have also witnessed one case where the client was balanced billed by a network doc office after the co-pay and World payment. World didn't give a damn - said that the doc should not be doing that but refused to intervene. Client had to pay the bill, fire the doc and switch to Aetna.
It's a matter of numerous small thing like that, that made me lose confidence in their plans. I do not have any of those issues with Humana or Aetna.
Last year, World was hard to beat. This year, they take a distant 3rd place - with Anthem. Anthem is still pricing itself above the pack (except for Assurant) and offering fewer benefits. Word on the street is that in Jan '08 they will take another rate hike between 19 & 22% for existing clients.
I also have some issues with AHU - in CO, it is the way they require an SBA Accident Plan to be written with the policy in order to receive an advance. The agent does not receive a single penny for writing the Accident Plan. AHU can go pound sand over that one. If I write a policy for them, I'll take "as earned" and also write a VBA Accident Plan that I will get paid for.
|
|
|
|
|
12-05-2007, 08:26 PM
|
#7
|
|
Guru
Join Date: Sep 2006
State:
|
Don Scarborough was a national director for AHU. His contract was abruptly terminated in May of this year because . . . he produced and recruited for other carriers as well.
Malcolm Miller was a regional recruiter for AHU.
He had downline agents removed and placed under another agent because . . . he was not personally producing AND he was recruiting for other carriers.
There is NO VESTING in their contract.
The app fee, monthly admin fee and association fee goes directly to AHU pockets. All of these fees are NON-COMMISSIONABLE to the agent.
Is this the kind of IMO you want to work with?
If you are contracted with AHU and still want to write business with World, BEWARE!
My suggestion is to start moving business away from AHU as quickly as possible before they come up with a way to keep your commissions.
|
|
|
|
|
12-06-2007, 01:45 AM
|
#9
|
|
Guru
Join Date: Nov 2006
State:
|
run for the hills gold... wont discuss why but i promise u things will happen.... run i say... run for the hills!!!! and, i love it... what goes around... comes around
|
|
|
|
|
12-06-2007, 08:47 AM
|
#10
|
|
Guru
Join Date: Sep 2006
State:
|
I was selling States General with them back in the day and one of my clients had a claim and States denied .....well after the case was settled States and AHU split the claim......then AHU turns around and debts me for the portion they had to pay.....about $12,000.....
------------------------------------
|
|
|
|
|
12-06-2007, 09:15 AM
|
#11
|
|
Guru
Join Date: Sep 2006
State:
|
Sti, did you get PPL to sue them for you?
|
|
|
|
|
12-06-2007, 09:18 AM
|
#12
|
|
Guru
Join Date: Sep 2006
State:
|
no....but they also hit up my GA at the time that got me into that outfit.......
Quote:
Originally Posted by somarco
Sti, did you get PPL to sue them for you?
|
------------------------------------
Last edited by STIBROKER@AUSTIN.RR.COM : 12-06-2007 at 09:34 AM.
|
|
|
|
|
12-06-2007, 11:18 AM
|
#13
|
|
Guru
|
Quote:
Originally Posted by Peelerinsurance.com
run for the hills gold... wont discuss why but i promise u things will happen.... run i say... run for the hills!!!! and, i love it... what goes around... comes around
|
I did research them before going over there and even searched this forum about AHU and didnt see any thing negative. They did offer some cheap E&O through NAPA though. I guess I will just stay appointed to get the cheap E&O plan and sell my current carriers!
|
|
|
|
|
12-06-2007, 12:36 PM
|
#15
|
|
Guru
Join Date: Sep 2006
State:
|
Dude....Freedom Life......really........
Quote:
Originally Posted by HomeService
What do you guys know about USHealth who writes NFL and Freedom Life? Also out of Ft worth? I mix all these Ft Worth outfits up, may not be related in any way....
|
------------------------------------
|
|
|
|
|
12-06-2007, 01:55 PM
|
#16
|
|
Guru
Join Date: May 2007
State:
|
I have written BCBS through them for the past 14 months. Never had a problem with them.
My paychecks are always on time and correct.
Monthly statements the same.
An extremely helpful office staff. Never had an application returned due to missing info.
Never had any telephone calls to find out production etc.
All in all, one of the best companies I have ever worked for in my 17 years of insurance sales.
BKrocko is correct; you do not get paid for the SBA plan. However for every one you write
you receive 5 leads (Telephone room) and they are some of the best leads around. Also if you
write the SBA (An accident plan) as a “Stand alone”, you do get paid for it.
Somaraco, obviously I don’t know the details of your contract, but I am fully vested from day one.
Sti, I think that you got the last ever ring. (Maybe it is valued at $12,000)
Peelerins, you are correct, you can’t write, you can’t spell
------------------------------------
Make sure that brain is in gear before operating mouth
|
|
|
|
| | | | | | | | | |
AHU run by crooks
