Insurance Agent Forum

[healthagent]

Well, have fun trying to research these guys: Called the number and there's not even a message - just goes to a "record your message at the tone." What...no intro message?

Then if you click their email link: info@halosalesteam.com it's comes up contact@tagsalesteam.com - send a message and it bounces back.

You run a search for "tagsalesteam" and you see their CA ad: http://64.106.252.140/jobdetails.cfm?jid=7947 - this lists the contact as the Assurance Group out of Georgia, and this guy's using a Yahoo email address?

I pulled up regristry info for www.tagsalesteam.com (which is a defunct site) and get that the site owner is here: 15111 N. Hayden Rd., Ste 160, PMB 353 Scottsdale, Arizona 85260

You pull up that address and get that it's associated with a scam: http://www.scam.com/showthread.php?t=7675

[policy doctor]

We don't know much about this product and yet discussion has hit multi-pgs. Wait till this product rolls out. LOL

SMAN: have you had a chance to call Leon Cooper (fmo) yet?

I re-posted his info that my friend had emailed to me. 601-683-6635.

They have a nice web page and seem to be spread out over several states. But I am waiting for a feedback from someone, or I can call.

[BKrocko]

TAG sales team is "The Assurance Group Inc,". HQ is 5035 Prospect St. Archdale NC 27263. This is the group I signed up with about 1 1/2 years ago to sell senior products and only stayed with them for a couple months (prior to deciding to offer true MM).

This is also the group that charged the agents $25/mailed in lead after you bought it from them for something like $7/lead. If you did not return the lead, they charged you the $25. I sold 1 part D policy and ended up having to pay them $150. This is after I returned my leads - go figure!

Some agents were out thousands of dollars because no one knew that you had to return the leads. Most of the top mgt. guys I spoke with were ex Mega/UGA folks. They were almost giddy about how great UA products were.

A shady operation if you ask me. RUN FORREST RUN!

[healthagent]

Well we can review:

*No one answers the phone and also no greeting on the message

*Although email says it's one address it comes up with the "tagsalesteam" address which is undeliverable.

*No physical address noted on the site

*Claims they are licensed and doing business in 50 states - actually called the MD DOI and they've never hear of 'em. They are not non-rez licensed here.

*Investigation leads this all back to "TAG" which is the the Assurance Group with arguable the cheesiest website I've ever seen.

This all smell like kaka. It starts and ends with no way to contact anyone at the "halo" website.

If you want another odor to arise these guys have a private regristry listing:

Domain Name: HALOSALESTEAM.COM
Registrar: GO DADDY SOFTWARE, INC.
Whois Server: whois.godaddy.com
Referral URL: http://registrar.godaddy.com
Name Server: PARK25.SECURESERVER.NET
Name Server: PARK26.SECURESERVER.NET
Status: clientDeleteProhibited
Status: clientRenewProhibited
Status: clientTransferProhibited
Status: clientUpdateProhibited
Updated Date: 11-apr-2007
Creation Date: 04-jul-2006
Expiration Date: 04-jul-2008

When you register a website you normally have the contact info a public. Here's an agency in MD: (you can see they can click to make all their info private - yet why would they want to hide all their info?)

Registrant:[COLOR=#0000ff]Make this info private[/COLOR] Kelly Associates Insurance Group 301 International Circle Hunt Valley, MD 21030-1342 US Domain Name: KAIG.COM Administrative Contact : Erhardt, Chris cerhardt@KAIG.COM 301 International Circle Hunt Valley, MD 21093 US Phone: (410) 527-3400 Fax: (410) 527-5906

Here's my website:

Registrant:
Health Solutions
406 Quiet Woods Ct
Pasadena, MD 21122
US

Registrar: DOTSTER
Domain Name: HEALTHSOLUTIONSAGENCY.COM
Created on: 20-APR-06
Expires on: 20-APR-07
Last Updated on: 20-APR-06

Administrative, Technical Contact:
Petrowski, John healthsolutionsagency@comcast.net
Health Solutions
406 Quiet Woods Ct
Pasadena, MD 21122
US
443-770-0091
877-257-8874


So we have an outfit that absolutely does not want anyone to contact them.

Halo is not the only outfit offering this...it is not true that they have exclusivity for this product. I am in contact with people who have no association with Halo who are offering contracts for this...like PolicyDoc says I will wait until further info is available to pass judgment. I know nothing about life insurance though and when all info is available I will be listening to our life experts here.

I can tell you that the insurance company is Protective Life Insurance Company (parent company is West Coast Life)

[CHUMPS FROM OXFORD]

West Coast Life has terrific term rates. I hope they aren't involved.

[healthagent]

Well, all I know is when you register your domain name everyone has their info as public. The only reason to have it listed as private is when you don't want anyone to track you down.

[policy doctor]

Just called Leon and here is what I gleaned. It is similar to that free insurance you get at your local bank because you have an account. Remeber those free 1-2,000 face accidental death benefit you get, with an option to buy more from that carrier, courtesy of your bank? Supposedly the bank stands to gain a few thousand per recipient, based on that face amount, when a claim is filed. In other words, your $1,000 death benefit nets the bank another 2-5k if you die. That is their insurable interest. (I never knew that!)

Now these policies are similar...investors keep the bulk of death proceeds and the applicant gets the 15 or 30K coverage. (seems there are 2 policies available based upon health questions). What is also intersting, is that you can become a shareholder. BTW....more states have been added, including PA and Wis.

Interesting concept....another lottery on the American public. LOL

See ya later.

[The New Guy]

Sounds like an April Fools joke gone wild

[somarco]

Protective Life Insurance Company (parent company is West Coast Life)

Other way around.

Protective bought WCL.

Okay thanks for the correction somarco

[pfsthib]

Where's the info? What's the word? Details....Details...

[arnguy]

Well it is Wednesday aroound 3:00P.M. EDST (1:00P.M. MDST in Wyoming)----where is this great rollout information?

[arnguy]

The above post is directed to Mary!

[healthagent]

For what's it's worth, I called the "HaloTeam" and have left two messages. Zero returned call.

So, you can't email them, you can't get anyone on the phone and they don't return calls. Anyone on earth would contact with these guys?

[The New Guy]

Where's the beef?

[CHUMPS FROM OXFORD]

Their version:




If you had told me five years ago about a program called Medicare Advantage that replaces the need for a Medicare Supplement for little or zero premium, I may not have believed you.

There is now a Zero Premium Universal Life Insurance product available to seniors ages 65 – 85. There are two main components of this program. The first being an A+ rated name brand insurance company that provides a $15,000 death benefit. Two, a Financial Institution that pays the monthly premiums.

This is a WIN, WIN, WIN, and WIN opportunity. The insurance carrier wins because they sell a lot of policies. The Financial Institution wins because they receive an above average return on their investment. The agent wins by being paid $250 commissions on each policy. Best of all, the client wins by getting $15,000 of Universal Life Insurance at zero premiums.

~$250 commission per sale
~No signature required (makes it possible to sell by phone)
~Paperless application
~A+ rated name brand carrier
~10 day issue
~Commission paid on issue
~No CMS guidelines
~Sell ALL YEAR LONG!

We are fortunate to have an exclusive national contract for this product. This is the most exciting thing to EVER happen to the insurance industry. Please go to the “Contact” menu tab of this website to start “giving” this product away!


Corrected version:





If you had told me five years ago about a program called Medicare Advantage that replaces the need for a Medicare Supplement for little or zero premium, I may not have believed you. Perhaps that was because I was still in prison serving an 18-month sentence for mail fraud.

There is now a Zero Premium Universal Life Insurance product available to seniors ages 65 – 85. There are two main components of this program. The first being an A+ rated name brand insurance company that provides a $15,000 death benefit. Two, a Financial Institution that pays the monthly premiums. I can't give you their names because they re located in Libya. And I know they exist because I just got an email from a friend in Nigeria that is going to give me $500,000.

This is a SCAM, SCAM, SCAM, and SCAM opportunity. The insurance carrier wins because they sell a lot of policies. The Financial Institution wins because they receive an above average return on their investment. The agent wins by being paid $250 commissions on each policy. Best of all, the client wins by getting $15,000 of Universal Life Insurance at zero premiums. Now, please understand that the $250 is paid in Libyan currency. So you may get a goat and two lamas in lieu of American dollars. You pay for the shipping...approximately $2000 per goat.

~$250 commission per sale (one goat and two lamas)
~No signature required (makes it possible to sell by phone)
~Paperless application (because the goat will eat it)
~A+ rated name brand carrier (ratings scmatings!)
~10 day issue (That is 10 days plus four months)
~Commission paid on issue (goats actually make good pets)
~No CMS guidelines
~Sell ALL YEAR LONG!

We are fortunate to have an exclusive national contract for this product. Why? Because we couldn't get any other dopes to back us!
This is the most exciting thing to EVER happen to the insurance industry since Mike Tyson became our spokesman. Please go to the “Contact” menu tab of this website to start “giving” this product away! I guarantee you that I will become rich and you won't!

[healthagent]

That's the funniest thing I've ever read!

[LaffAgent]

Hey Chumps, don't hold back. Tell us what you really feel

[STIBROKER@AUSTIN.RR.COM]

Originally Posted by CHUMPS FROM OXFORD

~$250 commission per sale (one goat and two lamas)
~No signature required (makes it possible to sell by phone)
~Paperless application (because the goat will eat it)
~A+ rated name brand carrier (ratings scmatings!)
~10 day issue (That is 10 days plus four months)
~Commission paid on issue (goats actually make good pets)
~No CMS guidelines
~Sell ALL YEAR LONG!