You guys are too funny here ... it's all true. 15k/ no premium 65-85 underwriting is easy too; none of the 5 majors in the past 5 years. Unbelievable ? if you're a cynic. Good Job Mary !!! We should create a pool and pay out to the top writer every month.
This site is for student doctors and they know about premium life.
Very interesting.....
Solidarity Model
There are two possible scenarios to obtain the goal of incentivizing organ donation that I believe are ethically acceptable. One is referred to as the solidarity model.[13] As a society, it is agreed that those who want to donate their organs upon death receive a slight advantage in the allocation process if they were ever to need an organ. There are probable methods of abuse in this method. Someone could sign up to be a donor once they are put on a waiting list and then, after receiving the organ, decide not to donate. However, I think that such a model has promise, will cost very little, and has the potential to greatly increase the organ supply.
Zero-Premium Life Insurance
The second method is a zero-premium life insurance policy.[14] Under this model, people would sign up to be donors understanding that, when they die and if their organs were able to be procured, the family receives $5,000. (I have used an arbitrary number.) The individual receives nothing directly from the agreement. There is no buying or selling of the potential organs on the secondary market. It is just a way for the individual to give something to his family. This would be funded by people voluntarily agreeing to pay an extra dollar at the Division of Motor Vehicles while getting their license or registering their car, similar to the practice of giving to the presidential election fund on a tax return.
...no one is being coerced, the interests of the deceased are being followed...
The ethical problem most evident in this model is that we are paying for the organs. If the organs cannot be procured, then the family gets no money. While I agree this is a less than perfect system, I believe it is still an ethically acceptable solution. It is differentiated from paying for a kidney because the organs are from a living, breathing, thinking person. No one is being coerced, the interests of the deceased are being followed, and it is in the family's interests not to object to the deceased's wishes.
Some who are against these kinds of programs wonder why donors should we paid for doing the right thing.[15] I would agree that it is a less than perfect system. It is, however, a less than perfect world in which we live. We should be mindful that the goal is to save the lives of people who are waiting for organs.
I apologize for not being able to post but i have been in denver since tuesday -- the doctor has considered jim totally disabled -- in the meantime my 13 year old son went to baseball practice and was hit in the face by a 50 mile an hour baseball -- he has surgery on monday to fix his nose and a brain scan hopefully later this afternoon.
Needless to say -- i havent posted --
i did call a couple people yesterday who called me -- and for now this is what i know
the insurance company that is sponsoring this product is redoing the application -- for us -- its supposed to be 4 questions - simple and easy...
So as soon as this is done -- this will roll out --
One question i have for anyone that is thinking this is a scam -- the insurance departments in every state that has been approved -- already approved this product -- if you think this is a scam dont you think the state would disapprove the product?? isnt that their job?
Whoever wants to think of this as a scam then fine -- for those who want to be able to offer this to every 65 to 85 year old that NEEDS it...
Email me -- i will help get you contracted as soon as possible
Whats going to happen is -- the people that are already contracted now will be able to start selling in the states as soon as the green light is issued -- for the ones that have not been contracted -- it will be at least 3 to 4 weeks to get it going because of the multitude of business and contracting that will need to be done.
I have the contracting websites, numbers, etc etc...
I know this gentleman personally -- and thats the only reason i know as much as i do...
I am not a recruiter -- i am now a managing agent -- for now because of the medical situations that have arose -- this would be best for me.
I will be scrubbing applications and calling customers for verification calls -- this is all i will be doing -- besides support for any agents under me..
So again if anyone has any questions please call me 307-256-7136
Go to www.halosalesteam.com -- print out the agent profile and fax this and a copy of your license and e&o to 1-888-225-8069 -- when you do this please email me your name, number and address and when you faxed it.. i will call and verify that it was sent and give you your passcode to www.miracleinsurance.com -- when this is done and filled out you will be ready to go with this zero premium product.
Again give me a call with any questions -- or email..
Again Good Luck everyone -- and i apologize for not posting sooner.
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You won't know unless you ask!!!!
email me at mdonaldson@insurer.com
Mary D.
Glad to see you posting and I'm very sorry to hear about your husband and son.
I will not say this is a scam. Instead, I'll give what I hope will be advice if this really is legit and you want to get a lot of agents:
1) The Halo site lists a toll free number - there is no greeting or message. That is unprofessional.
2) The email on the site is undeliverable. I would suggest they get a working email.
3) They should have humans answering the phone. If they cannot afford a secretary I'd wonder how "big" this outfit actually is. A good secretary is $15 per hour.
4) They say they're a large full-service brokerage yet don't list their address.
Seemingly you cannot contact this outfit. I have left two messages with no reply. So when I can't call them, can't email them and they have no physical address what happens when I run into a problem?
------------------------------------ Health Insurance Agents: Training, Support, Discounts, E&O for $440 www.ihiaa.com
$200,000 Per Year Income MONDAY THROUGH FRIDAY 9am to 5 pm WE WILL TRAIN THE RIGHT INDIVIDUAL 18 YEARS OF AGE AND OLDER JOIN THE 250,000 AGENTS NATIONWIDE
250,000 agents nationwide, wow! This from the website of Miracle Insurance under the button "Join our Team". 250 thousand agents, dang that is a lot of agents! Yet it does say "Join the 250" not "Join our 250", is this a play on words? Plus we have the 200 grand a year (what happen to the million a year? Think I'm being cheated!), now I'm thinking why not 300 grand a year and only 150 thousand agents nationwide?
Just posting information that I found out this morning
Because of technical issues the roll out for this product will be May 1st of this year.
Again if you have any questions or just want to talk call me at 307-256-7136 -- i have enjoyed talking to everyone so far -- it has lifted my spirits with all of the managery of my family life
Mary...I admire your enthusiasm. But, I would be interested in a response to some good points that were previously posted (see below).
Thanks
1) The Halo site lists a toll free number - there is no greeting or message. That is unprofessional.
2) The email on the site is undeliverable. I would suggest they get a working email.
3) They should have humans answering the phone. If they cannot afford a secretary I'd wonder how "big" this outfit actually is. A good secretary is $15 per hour.
4) They say they're a large full-service brokerage yet don't list their address.
Seemingly you cannot contact this outfit. I have left two messages with no reply. So when I can't call them, can't email them and they have no physical address what happens when I run into a problem?
Come on now.....NAA trained her .........and from my point of view a good agent has to be screwed over at least three times to make it in this biz.............so mary is on course.......if she does not screw it up to were she could lose her lic. like I almost did.........
Mary...I admire your enthusiasm. But, I would be interested in a response to some good points that were previously posted (see below).
Thanks
1) The Halo site lists a toll free number - there is no greeting or message. That is unprofessional.
2) The email on the site is undeliverable. I would suggest they get a working email.
3) They should have humans answering the phone. If they cannot afford a secretary I'd wonder how "big" this outfit actually is. A good secretary is $15 per hour.
4) They say they're a large full-service brokerage yet don't list their address.
Seemingly you cannot contact this outfit. I have left two messages with no reply. So when I can't call them, can't email them and they have no physical address what happens when I run into a problem?
the site is under construction -- fixing the email site,
You need to understand something about about the phone --- if you have 1000's of agents calling in and wanting to know what, why, when and where... you cannot have someone answering the phone all day long..
The phone is primarily an answering machine and can go right to a fax... once you fax your paperwork into that number -- you will get a live voice that calls you back -- and will give you an optional number to call... I have talked to Valerie -- she is the secretary -- several times...
Don't ask me why this is the way.. I didn't set it up ---
So again I am waiting just like everyone else --- I don't have all of the answers -- just a couple
The main website that is marketing this zero premium product is www.miracleinsurance.com -- you can investigate that all you want -- and call the number on their site all you want...
This is the site where you put in the access code to get signed up for the product... without a referral code you cannot sign up
Well I apologize in advance for this and not directed at you Mary, but how incredibally arrogant that any brokerage would expect to contract agents without relasing a single detail. We are not in the field just for commission, but for the client. And a solid agent is gonna tear into a product before they decide if they're going to offer it or not.
I'm not saying this won't end up being fantastic. It might. But for agents to get contracted before knowing the details? Common.
Exactly what would the rush be? This is a "first come first serve" offering? Why can't everyone just wait until all the details are released?
And lol Mary...if this outfit is telling you they're getting 1,000's of agents calling.
A little recorded message wouldn't hurt either. And can get we a physical address for this place?
Last edited by healthagent : 04-24-2007 at 06:42 AM.
but how incredibally arrogant that any brokerage would expect to contract agents without relasing a single detail. We are not in the field just for commission, but for the client. And a solid agent is gonna tear into a product before they decide if they're going to offer it or not.
The DOI's have term for this...it's called due diligence.......
Yeah....I want my name listed as a contracted agent after the FBI raids the place. Lol! Just kidding. Seriously, my sig ain't going on a single piece of paper until I saw all the details first. If you're actually signing paperwork for a product you haven't seen? Wow.
The DOI's have term for this...it's called due diligence.......
Well Scott, you and I can both tell the class what happens when you hook up to sell a product without doing all the research necessary. And Scott can tell everyone how the DOI reacts when you're licensed to sell a product that tanks and it's not even your fault.
come on now.....NAA trained her .........and from my point of view a good agent has to be screwed over at least three times to make it in this biz.............so mary is on course.......if she does not screw it up to were she could lose her lic. like I almost did.........
Over a year ago Jesse McDonald and I got emailed what we thought looked like a great non-underwritten indenmity product. It was underwritten by Chesapeake so it looked legit and when we called the number we spoke to a very nice gentleman in NY who went over all the details. He really pushed us to get contracted but Jesse and I wanted to dig a little first.
Flag 1: We found the clients were supposed to pay their monthy premiums to the marketing company. You're supposed to pay premiums directly to the insurance company.
Flag 2: The name of the marketing company was nowhere to be found. Turns out after another call it was just a simply business account owned by the owner of the marketing company.
Flag 3: We called Chesapeake and they claimed they had never heard of, nor was affiliated with this company. We called the company back and heard that Chesapeake did indeed pull out and they hadn't had time to change the brochure.
Flag 4: New brochure comes out days later with yet another insurance company I had never heard of. Called the number, no message, just direct to voicemail.
No go.
About 2 months later an attorney from Chesapeake calls me. Apparantely this is a bogus outfit that sets up shops, collects as much money as they can and pulls out. Called the marketing company backs, phone's out of service.
Got suckered into selling a unlicensed health insurance plan .....got fined $2,500 and testified for the DOI......AND THAT WAS JUST THE DOI.....4 years later it was finely settled with the labor dept. and my e&o carrier....
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