Can i cash in Gerber's Life insurance policy?
If you're not paying for it, it's not your policy - it's only on your life. Someone else OWNS it. They pay for it, they pick who gets the money when you die, they have the right to cash it in. It's not a savings account. That face value amount is the DEATH payout. Once you turn 20, it starts building "cash value", and maybe by the time you're 30, there will be enough in there to "take out" $1000. YOU can't "cash it out" until she turns ownership of the policy over to you. And if she does, you'll be very surprised to learn it's worth NOTHING, if you cancel it and 'cash it out'.
Is the American Life Insurance (AIL) company a scam?
I recently received a job offer from them and now I'm skeptical because I've read that they are scam artists that swindle people out of 1000 of dollars. Are they scam artists? They keep emailing me and they seem pretty desperate for an interview with me (strange). This is their email: Hello, We are the recruitment team at American Income Life (AIL) Canada and we noticed your resume posted online. We wanted to let you know that our company is expanding throughout the GTA and we are looking for full-time candidates to fill management and sales associate roles. AIL is an insurance company providing supplemental benefits and life insurance products to North America`s association, labour union and credit union members. We are located and licensed in all 50 states, New Zealand and Canada. We are part of Torchmark Corporation, a Fortune 500 company. We have been in business for over 55 years and are nationally recognized as one of the significant carriers of supplemental insurance. We have a public relations department that is responsible for securing all of our leads. Therefore; our sales team is provided with qualified warm leads and is only calling on those parties who have requested to be seen by our representatives. There is no need for cold calling, telemarketing or prospecting. You will be spending 100% of your time and resources selling! Average first year earnings for our sales associates is $40,000-$60,000. Average first year earnings for our managers is $60,000-$90,000. We are looking forward to speaking with you about this opportunity. Please give us a call at the either of the numbers below so you can be booked in for a personal interview at our Yonge and Eglinton office in mid-town Toronto. Regards, Andrea Bronstein - HR Manager Thank you for your answers!!!
Insurance agent salary?
It's straight commission - if you don't sell, you don't make anything. 95% of new agents won't make enough to cover their licensing fees. The 5% who make it, work 60 to 80 hour weeks, to drag home around $50,000 the first year. It's VERY hard work.
Medical Insurance Not Paying My Medical Bills?
So last summer, I broke my ankle pretty bad, displaced fracture and at the time I had limited insurance. They claimed to pay up to 1k in ER visit, 250 for anaestesia, 2k in doctor visits, and up to 20,000 for secondary care. This happened last august and they JUST paid the ER 1000 dollars after I had to file some paperwork. This company is a subsidiary of Aetna, and instead of denying claims they just ignore them. At the time I was out of work for 4 and a half months because my job involved me walking and my car was a manual transmission. Usually they auto deducted my payments out of my paycheck every week but I had to pay them by credit card while I was not working. I have a receipt for my payments all the way to 11/9. They sent me a partial denial of my doctors bill on 11/16/07 because I was not up to date with my insurance and could no longer afford insurance as I just got a job back. My questions are how do I get them to pay and is physical therapy considered secondary care?