• Report: #302154

Complaint Review: Health Markets, MEGA, Mid-West, Cornerstone America

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  • Submitted: Mon, January 21, 2008
  • Updated: Tue, June 03, 2008

  • Reported By:Huntington Beach California
Health Markets, MEGA, Mid-West, Cornerstone America
healthmarkets.com/ Nationwide U.S.A.

Health Markets, MEGA, Mid-West, Cornerstone America Unhealthy "Health Markets" company for agents Nationwide Nationwide

*UPDATE Employee: It's not the company's fault that you failed.

*UPDATE EX-employee responds: STOP DRINKING THE KOOLAID!!

*UPDATE Employee: Yep, i undertand

*UPDATE Employee: Yep, i undertand

*UPDATE Employee: Yep, i undertand

*UPDATE Employee: Yep, i undertand

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After over two years of working with Health Markets (Mid-West, MEGA, Cornerstone America), I finally let the burden and monkey off my back by focusing in another industry that isn't as sketchy as selling MEGA insurance nor as financially draining to the pocket book too. Sure the managers and regionals were nice to a certain degree and the training was consistent and in depth, but many things were mis-leading, mis-represented, and omitted to us agents...even to the degree where I've heard and read several agents say it was like "brain washing" [they'd make you think the product is the best thing out there and teach you how to sell it without going over the flaws and pitfalls (somewhat deceiving people)...when in reality, the product is very limited and specific to who it can and can't help]. Not to mention that we agents were made to believe we'd all be making upwards to $90k our first year (assuming we could keep up with the unrealistic goals of 10+ appointments a week, etc.), supplied with great leads to call, and the business would build from there. It would take a little money to make money, but that's to be expected with any job, right? Come to find out, you're contracted with the company, yet treated like and employee and have certain expectations on you when it was apparent in training that we were free to be on our own.

No wonder the first office I worked out of went thru 50-100 agents each month...probably keeping 1% of them no more than a month or two.

And the leads...about as cold as it gets in Alaska for the most part, but still a lead (except for the 1/4 to 1/3 of them that either the phone numbers didn't work or people who said someone asked called them for their phone number and were almost "forced" to give their info for something they didn't want or need).

So the main reason I'm writing this is due to this: I received a letter that now put a gorilla on my back...after selling for them, trying to keep a good face for the company and yet going into debt and losing money (since the company doesn't do a good job with servicing and answering questions due to the lack of needs the insurance actually meets; clients kept dropping the plans. So MEGA (Health Markets) is stating that because of the contract I signed, it's my responsibility to pay them back for advances I received that didn't even come close to paying the bills, and basically that it's my fault that Health Markets can't retain clients during and after I leave their company because the product flat out "stinks" for the most part. Check out the article on NAIC...Health Markets is certainly "reaping what they sow", but I don't want to pay their bills for them if I don't have to.

I know there are several out there that have faced the same situation so my question on our behalf is this:
Is there any way to get out from paying them this money that is supposedly owed to them since: 1.) I can't afford $2300, 2.) I don't feel it is just nor fair to pay them any money...they should pay me for trying to convince clients how good their insurance is, and 3. So I can just move on with my life and prohibit other agents from getting upside down in their finances and deal with the same misfortune and mess it appears I'm dealing with now.

Buster
Huntington Beach, California
U.S.A.

This report was posted on Ripoff Report on 01/21/2008 05:23 PM and is a permanent record located here: http://www.ripoffreport.com/r/Health-Markets-MEGA-Mid-West-Cornerstone-America/nationwide/Health-Markets-MEGA-Mid-West-Cornerstone-America-Unhealthy-Health-Markets-company-for-302154. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
0Author 6Consumer 0Employee/Owner
Updates & Rebuttals

#1 UPDATE Employee

It's not the company's fault that you failed.

AUTHOR: David Hall - (U.S.A.)

I am currently an agent... and yes, this is not the easiest job in the world... but the truth is, that the product training is extensive and the product is very good, as long as you understand it and have the capacity to make the right recommendations to your client.

This guy is whining about cold leads after being at the company for 2 years?

Go get a 9-5 job, for a pathetic pay check, because being an Entrepreneur is not for you.

Please... if you are reading this report, understand that this ex-agent is just frustrated... and understandably so. He obviously put a lot of time, and a little energy into this and didn't get the same results as a top producer. Boo h*o. That does not in any way reflect negatively on the product. Just him.
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#2 UPDATE EX-employee responds

STOP DRINKING THE KOOLAID!!

AUTHOR: Stop "drinking The Koolaid" - (U.S.A.)

Yes it true when you leave UGA, Mega, Cornerstone america, Healthmarkets, etc...and you owe a debt. Meaning you were paid for a policy that was never issued or the client canceled the policy before the 6 month advanced was up, you will have to pay it back. Fon't fret though, find the lawsuit in California of former agents that are suing for the fact that the company forces the agent to sell policies to anyone so the agent can make a buck!

Do not work for this company. I was there for two years and yes I do agree they will spoil you with company outings, the annual homecoming/reunion event in Dallas, and fancy dinners. Where is the money coming from to pay for those events? The poor clientale that signed up for a crappy policy that will never pay out more than what the client paid in. The company actually makes a 15% profit after all employees and agents are paid. Most companies make about 7%.

STAY AWAY FROM THIS COMPANY!!!

YOU WILL LOSE MORE MONEY THAN YOU KNOW! YOU WILL LOSE YOUR LIFE AND FORGET WHO YOU ARE! THEY WILL BRAIN WASH YOU INTO BELIEVING THEY ARE THE BEST FOR THE CLIENT. I still have friends that still work for them and they are so brained washed they will not even talk to me. Their response to my emails is "Take me off your email list". Talk about brain washing.
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#3 UPDATE Employee

Yep, i undertand

AUTHOR: Unsure - (U.S.A.)

Hey there,

I am trying to figure out how to leave myself without them trying to take me to court. I owed them about 40 THOUSAND. I have not quit yet because of what you are going through. I am just investigating my options and want to become a broker. I'll share with you how after I find my way.

It is hard to trust again after Trusting MEGA.
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#4 UPDATE Employee

Yep, i undertand

AUTHOR: Unsure - (U.S.A.)

Hey there,

I am trying to figure out how to leave myself without them trying to take me to court. I owed them about 40 THOUSAND. I have not quit yet because of what you are going through. I am just investigating my options and want to become a broker. I'll share with you how after I find my way.

It is hard to trust again after Trusting MEGA.
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#5 UPDATE Employee

Yep, i undertand

AUTHOR: Unsure - (U.S.A.)

Hey there,

I am trying to figure out how to leave myself without them trying to take me to court. I owed them about 40 THOUSAND. I have not quit yet because of what you are going through. I am just investigating my options and want to become a broker. I'll share with you how after I find my way.

It is hard to trust again after Trusting MEGA.
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#6 UPDATE Employee

Yep, i undertand

AUTHOR: Unsure - (U.S.A.)

Hey there,

I am trying to figure out how to leave myself without them trying to take me to court. I owed them about 40 THOUSAND. I have not quit yet because of what you are going through. I am just investigating my options and want to become a broker. I'll share with you how after I find my way.

It is hard to trust again after Trusting MEGA.
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