Insurance Agent Forum

[healthagent]

Ethics? A few years back they claimed they were underwritten by Chesapeake and had their logo on their brochures.

I decided to dig a bit and contacted Chesapeake. One of their lawyers called, wanted to know everything I knew about them which was nothing. He stated they were not underwritten by Chesapeake and they'd launch and investigation.

Boom - few days later Chesapeake was on their brochure and another carrier was on it. I contacted that other carrier and boom - a few weeks later that other carrier was off their brochure and well.....so it goes.

Payments do not go to the carrier, they don't even go to AIM, they go to this "IRG" business - Internet Resource Group.

When I tried to dig into that some AIM honcho admitted that IRG doesn't even have a website.

So how does the underwriting carrier get their money? IRG has to send it to them. How does the client know their premiums are being sent to the carrier? Who knows.

I tried to research the "Association of Independent Managers" (AIM) and found their website. I called the number and someone picked it up saying "hello?" I said "yeah, hello?" He responded "what do you want?" I said that I was trying to call the Association of Independent Managers." He was caught very off guard but said "oh, yeah...that's us."

Depending on the month the brochure changes. Now plans are offered through the "CEO Club?" Can anyone here selling AIM please tell me what the CEO club is?

The brochure also claims the person can not have a break in coverage of more than 62 days. It's 63, at least according to the gov't website.

http://aimhealthplans.com/pdf/brochu...10-29-2009.pdf

The entire design looks like it was put together by someone who just learned to create a PDF file. The graphics are terrible. I notice little things:

Individuals between the ages 18 - 64(if applying as a couple,...

- no space between 64 and (if) - sloppy.

I notice wording:

required premium charges on time

Odd statement "premium charges" - never see it referred to as charges.

It's simply sloppy which should cause other agents to pause and ask more questions.

[fina]

Whats funny is the guy who markets AIM for producers and brokers Gary makes the weekly training conference calls and all and you keep hear the dog barking in the background, they take forever to pay....something smelled very funny so our call center decided to stop contracting with them, the place of business for IRG appears to be a residence or UPS mail service..... i would not touch it
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Back in the day they made us sell that surehealth plan crap...underwritten by fairmont ......these min meds are available just get a reputable underwriting company....in my opinion is AIM is just easy to sell because of the website...which is a little deceptive.....like if it was a group plan sponsored by employers, come on guys lets keep our license and more so our name

[somarco]

The CEO club is like the Hair Club for Men, only more exclusive . . .

[fina]

It reminds me of Pinnacle Health Plans which is in big big big trouble