FMO Warning - RB Insurance (Bob Bever)

GreenSky · 10-24-2007, 08:49 PM

Just a warning about this guy. He is (among other things) a WellCare FMO and apparently believes the world revolves around him.

He was unwilling to release me from my contract last January. When I pointed out that he was keeping my business from WellCare, his response was "Both WellCare and my agency will be just fine without your business."

By the time I had served my 6 months so I could move my contract, the PFFS moratorium was in effect and there was freeze on contracting.

About 4 weeks ago I received a letter from WellCare terminating my contract "without prejudice." I appealed this (just for the hell of it) and was denied. I can recontract elsewhere if I want but why did I have to wait 9 months? Oh yeah, I remember. Because Bob Bever must be in control.

So, Bever wouldn't release but decided to be a total a-hole by requesting contract termination. The SOB apparently never releases anyone.

I have no real desire to recontract with a company that was raided by the FBI. I can only hope that now "Both WellCare and my agency will lose so much business that they all go broke."

Bottom line...stay away from RB Insurance. Bad news.

Just my opinion about yet another abuse of the FMO system.

Rick

senior-advisor-indiana · 10-24-2007, 11:05 PM

Thanks for the heads up. I was recieving emails from them and was thinking about calling them.

MedSuppPro · 10-24-2007, 11:46 PM

GreenSky,

Can you elaborate:

"He was unwilling to release me from my contract last January."

Why did you want a release?

What was the reason for your desire to terminate?

GreenSky · 10-24-2007, 11:58 PM

Quote:

Originally Posted by MedSuppPro

GreenSky,

Can you elaborate:

"He was unwilling to release me from my contract last January."

Why did you want a release?

What was the reason for your desire to terminate?

He and I had some disagreements. So I asked him in December, "If I were to ask for a release, would you give one to me." When he said "No", I knew I no longer wanted to work with him.

At the same time, he said he did not want to work with me. He didn't want to work with me but would not give me a release. Talk about a guy who must have power over others!

I submitted a PDP in the 1st week of January and refused to give WellCare any more business. As of July, I could move to the FMO of my choice, except for the moratorium.

As soon as they opened for contracting, the fine person that he is, requested my termination.

Rick

honestagent · 10-25-2007, 12:36 AM

Quote:

Originally Posted by GreenSky

He and I had some disagreements. So I asked him in December, "If I were to ask for a release, would you give one to me." When he said "No", I knew I no longer wanted to work with him.

At the same time, he said he did not want to work with me. He didn't want to work with me but would not give me a release. Talk about a guy who must have power over others!

I submitted a PDP in the 1st week of January and refused to give WellCare any more business. As of July, I could move to the FMO of my choice, except for the moratorium.

As soon as they opened for contracting, the fine person that he is, requested my termination.

Rick

I don't get it; why the no new contracting after termination? That makes no sense to me. Can you please educate the new one here on this. I thought if you've written no business and they let you go, you're free and clear to ... I don't know.. start brand new with someone new... no?

GreenSky · 10-25-2007, 12:46 AM

Quote:

Originally Posted by honestagent

I don't get it; why the no new contracting after termination? That makes no sense to me. Can you please educate the new one here on this. I thought if you've written no business and they let you go, you're free and clear to ... I don't know.. start brand new with someone new... no?

I could have recontracted except that WellCare stopped all contracts during the PFFS moratorium.

At this time, I can recontract if I wish. I don't think I want to due to all the problems with this company.

My post was really to warn people to stay away from these guys.

Rick

honestagent · 10-25-2007, 12:52 AM

Oh okay. Thank you. Good stuff; thank you for the warning and you all should stay away from Parker too.

I am still fighting for my release; oh and I know they just mailed an email out to their agents today stating, uh.. 'please stop writing Wellcare b/c they're shut down and we won't be able to pay you, so sorry, btw...' gotta love some of these fmos... NOOOOOTTTT!!!!

MedSuppPro · 10-25-2007, 12:53 AM

I believe that an FMO should release within 60 days. Why six months? MA's and PDP are less then 60 day cycles. From app to carrier to CMS.

They have to make a living also. But, nine months is extreme. My guess is that you didn't wait around for 9 months and never reminded him -- did you?

The multi-level marketing system most carriers have adopted is a waist of the carriers profits and ultimately cost the consumer. FMO's are never on the radar when things go wrong in the field and carriers are always quick to advise agents to "ask your FMO". You have to take them with a grain of salt. If they do half of what they say they will do, then you've got a good FMO. FMO's are contract pushers. Once they sign you up they move on to the next warm body.

Were your "disagreements" ethical in nature or were they personal? I can live with the personal!

Mr. Bill · 10-25-2007, 01:45 AM

Rick, thanks so much for the heads up! I also was receiving emails from them....

GreenSky · 10-25-2007, 01:48 AM

Quote:

Originally Posted by MedSuppPro

Were your "disagreements" ethical in nature or were they personal? I can live with the personal!

The issues were personal. However, his downline lied to a lot of agents and he did nothing to correct the errors.

Rick

retread · 10-25-2007, 11:44 AM

I am contracted with RBI for CIP plans, and they have been slow to respond to my inquiries about everything from commissions to questions regarding plan specifics. It was only recently that they opened a web site with resources for training, etc.

Their commission statements have been a work in progress, with no explanation how to interpret them. They are emailed, not sent by postal mail, and when my computer crashed in June, made it difficult for me to retrieve this historical data.

I was considering adding Wellcare for 2008, but decided to go with another FMO because of my experience with Bever, and then the news hit about Wellcare's investigation. Now it's a no-brainer.

MedSuppPro · 10-27-2007, 10:52 AM

GreenSky

Thanks for the info. I have to admit that 10 days prior to WellCare raid, I contracted WellCare through Bever. Glad I don't have a block of business with them.

JthomasTX · 12-27-2007, 01:17 PM

I'm not sure why you fellas keep bad mouthing RBI. I've had nothing but good luck with them. They can be a bit slow to respond, but they do get back to you. Is any FMO really snappy with their responses?

RBI Pays some of the highest commissions on all their products, that I've seen. I'm only here in TX.

They Recently upped their agent street rate with CIP to 400.

As far as commissions go, they were a little slow w/ getting everything sorted out, but when you're working with a new carrier such as CIP, there are a lot of kinks to work out.

Also, when have you ever heard of an FMO, that gives you leads for free, and doesn't recycle them? or churn them? I had a county in So.TX that one of my agents wanted to work, they went out and purchased leads for him to work. With no cost to the agent.

Their online lead system is also very easy to use, and makes keeping track of everything a breeze.

They are also paying a recertification bonus of $100 for all agents who recertify for wellcare through them by DEC 31.
I know all the other FMO's are getting this money from WellCare as well, but they are just pocketing it.

As far as releases go, WellCare wrote the contract, not RBI. Read it.

There is a 6 month release clause, if you don't sell any business. No FMO is required to release you unless the contract stipulates it.

Rick, sounds like you got caught up in the PFFS shutdown, no fault of RBI or WellCare. WellCare terminated you w/o prejudice. You had requested a release,so, there you go. I doubt you bad mouthing the company and one of their FMO's on here aided your cause any.
Yes, carriers do read this site, as some of the fella's at Wellcare have commented abut it to me.

If the commissions are all the same, and they pick up the phone, who cares who you work under?

GreenSky · 12-27-2007, 06:53 PM

Quote:

Originally Posted by JthomasTX

As far as releases go, WellCare wrote the contract, not RBI. Read it.

There is a 6 month release clause, if you don't sell any business. No FMO is required to release you unless the contract stipulates it.

Rick, sounds like you got caught up in the PFFS shutdown, no fault of RBI or WellCare. WellCare terminated you w/o prejudice. You had requested a release,so, there you go. I doubt you bad mouthing the company and one of their FMO's on here aided your cause any.
Yes, carriers do read this site, as some of the fella's at Wellcare have commented abut it to me.

If the commissions are all the same, and they pick up the phone, who cares who you work under?

Where the hell is the contract that stipulates a release? I never signed it. All Bever had to do was give me a release, but he apparently has to prove how much better he is that agents.

I did not get caught in the shut down. It was 100% the fault of RBI because they could have released me.

I have yet to badmouth the company - only Bob Bever. Why don't you ask him if you can receive a release? From what I have been told, he never releases anyone.

That, in my not so humble opinion, is what an a-hole does. His only goal in not granting a release to me was one of punishment. What businessman operates in that manner. Oh, yeah. See the first sentence of this paragraph.

Everyone who reads this has been warned. I know at least a few good agents have avoided him because of my posts. He kept me from earning a living with WellCare. The good new is I'm sure that he has lost a lot more money than I did since the raid.

I feel bad for the people at WellCare because they are basically a fine company. Some of their FMOs, not so much.

Rick

GreenSky · 12-27-2007, 06:55 PM

Quote:

Originally Posted by JthomasTX

If the commissions are all the same, and they pick up the phone, who cares who you work under?

By the way, the commissions are NOT all the same. I was offered a contract with $75 more on each application. Without a release, I could not make a move.

By the way, any agent who does not negotiate with an FMO is hurting himself. Higher contracts are available if you look around.

If you are going to defend someone, please know the facts.

Rick