Assurant Health, Time Insurance, Safeway Financial, American Producers Group I was the National Sales Director for Assurant Health under Safeway Financial Tampa,FL and many of my customers bought a major medical plan thru Assurant Healt and got screwed. DO NOT BUY THIS INSURANCE Ripoff Milwaukee Wisconsin

I have complained to Assurant and to the State Insurance Commissioner for the problems I have had with this company.  

I have sold Assurant Health through both Time and John Alden for years. I have never had a complaint from a single customer. Most of my clients are so satisfied that they refer their friends and family to me. I have this coverage on myself and have been extremely satisfied with every aspect of my policy. I found that when I had a complaint, then company not only paid on time, but most of the time, they paid before I received a billing from the physician. I don't know where this man is coming from saying that Assurant is not a good company, but he clearly doesn't have a clue about what he is speaking.

I'm sorry that you had this experience. If I may, I would like to make a suggestion. When you are shopping online for insurance, health or otherwise, inquire with the caller to see if he or she is a licensed agent. If they are not a LECENSED AGENT (or have to get their manager' on the phone), hang up. If you are suspicious, ask for their license # and their resident state, look them up on the department of insurance website in that state.

If you are suspicious of the carrier, call the department of insurance in that state; ask for the carrier's rating and number of complaints that have been filed with the state. Remember, if you have submitted your information online, you will get several phone calls. Make these people earn your trust, remember, you are paying good money to protect you against a catastrophic health event that could ruin you, financially. The old adage holds true; If its sounds too good to be true, it probably is.

After you have verified the agent, here are some questions you can ask about the coverage.
1. What is the name of the carrier and what is their rating with AM Best?
2. Does the agent offer multiple carriers (companies)?
3. What type of plan is it? (you want clarification) Major Medical, Hospital Surgical, HAS (Health Savings Account).
4. Does this plan come with a rate guarantee?
5. What is my maximum out of pocket?
6. Ask the agent their direct phone line, so you can call them back. Then, call them back a day or two later to find out what the status is on your application.
7. Have the agent email you a brochure.
8. ***Read the fine print***

After you received your policy, you have a 10 Day free look (the law in most states). Make sure the plan covers exactly what the agent explained.

As for Mike's comment regarding buying from Call Centers, I have to disagree with his assertion. Although a few call centers are giving the good ones a bad name. Due to the fact that technology allows an agent to sell a variety of products in multiple states over the phone does not count as a negative. Personally, I would rather speak with an agent on the phone over having a stranger show up at my home. When it comes down to it, it does not matter where the agent is located. A local agent can rip you off just as easily as anyone else. The most important factor is quality of coverage, a competitive price and a good customer experience. Don't be afraid to ask questions. Trust but verify.

And remember, insurance is to protect you from a catastrophic event that could ruin you financially.

Kind Regards

Buying insurance from a call center is ill advised. Buying from a local independent broker will allow a continued relationship from cradle to grave (comparing plans each year, then helping the client find a suitable Medicare supplement plan)

Sorry but no insurance company can change any deductable after the policy has been issued with out the written consent of the insured. All rate guarenttes are in writting unless you move from where the policy was issued then the rate would change to match the current class of that policy in that given area. The fact that you dont know this and you supposed to be a national sales director dealing with 100's of agents scares me.

I am very so glad I am not appointed thru you, with your lack of knowledge on how insurance works. Let what be what be, you give me your agent id number thru assurant and ill veryify your credentials and if you are a national sales director and assurant let you be a national sales director I will never sell assurant again. I am willing to put my job on it.

Here is the funny part if you were a national sales director they cover your insurance for you so how did your rates go up. Tell you what I am willing to bet you work for a company called mega health and life. give me your insurance license number which i am allowed to ask for and ill run it thru the texas department of insurance and we shall she just who you really work for.

You were the national sales director?
And even you didn't read the fine print.
Yikes!

You were the national sales director?
And even you didn't read the fine print.
Yikes!

You were the national sales director?
And even you didn't read the fine print.
Yikes!

I'd believe you were a national sales director if you know how to spell "deductible" correctly.

I'd believe you were a national sales director if you know how to spell "deductible" correctly.