• Report: #1153496

Complaint Review: Senior Life Insurance Company

  • Submitted: Tue, June 10, 2014
  • Updated: Tue, June 10, 2014

  • Reported By: Anonymous — Georgia
Senior Life Insurance Company
Nationwide USA

Senior Life Insurance Company Agent/Manager Thomasville Georgia

*UPDATE EX-employee responds: I couldn't have said it better

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I thought long and hard about whether or not to leave a comment about this company.  I ultimately decided that it could help someone and who knows maybe even help the company improve so I decided to go forward with leaving a comment. I left this company in May 2014 and I worked in the Georgia and South Carolina areas (parents from SC so frequently worked there as well).   I left Senior Life Insurance Company for reasons different than what people might think.  The company itself is not bad at all.  They have a fair product and I had no problems selling it.  The problem lies with the staff or people that work at the Corporate Office.  Imagine buying a multi-million dollar empire and hiring a bunch of your family and friends go work there.  It is a disaster waiting to happen!  The staff there have a sense of entitlement and not worried at all about losing their jobs.  So, treating you like crap doesn't affect their bottom line - their job!  If you complain, they figure out a way to hold your commissions or delay processing your applications.  Why is this important?  Oh yes, this is how the agent eats!  Also there is something called "the lead balance".  So by delaying your commission deposits mean that when you FINALLY  get paid, it will go to your lead balance.  So in essence, if you complain or if they simply don't like you, you can be forced out by all the delays and no commission deposits thus forcing the agent to go elsewhere.  It's a game that I've figured out.  They boost about wanting to be #1 and will never get close until changes are made with the Corporate Office Staff.  They boost that their entire system is "agent friendly" but I find it anything but "agent friendly".  Their agent portal system is outdated and DOES NOT provide a daily accounting of your lead balance OR your commissions report.  So unless you keep up with this yourself, there is NO WAY in their system to see this on a daily basis.  They do not upload new business applications until the last possible second.  For instance, you write an application dated 3/5/2014 but would like the first payment to draft on 4/5/2014.  You won't even be able to see it in the system until around 4/3/2014 or 4/4/2014. Does this make sense to anyone with a brain?  So, if there is a problem with the application (i.e, made an error, etc), you are screwed because you won't know about it until it's set to draft and it WILL NOT draft until ALL corrections are made. Most corrections require initals, signatures, etc from the client which means you would have to change your entire schedule to go see that client at the last minute in boonetown somewhere in the middle of nowhere to get initials or signatures.  So what happens it doesn't draft on time, clients use the money and you are out of the commission that you worked so hard to earn!  Meanwhile, what does draft go directly to your lead balance, get it?  This happens ALL the time!  Senior Life is happy because regardless they get thier lead balance off the top - don't know if they truly care whether you get paid or not.  Wouldn't it make more sense to upload the applications to the agent portal as soon as it's faxed?  Therefore, if there is a problem with the application it can be taken care of well in advance of the draft date.  I can not understand the reason they do this and it's certainly not "agent friendly" to me.  When you call the home office you get a different answer on protocol every time.  One person says this another says something totally diferent.  Everybody there says they are so swamped - wouldn't it make sense to hire more people so the company runs more efficiently.  In some of the departments, there is 1 person doing the job so if that person is out you are screwed and everything is delayed.  I simply can't understand why the owner doesn't make these changes. I'm assuming to save money but by doing so a lot of money is being lost - I'd guess more than what's being saved.   I'm sure they've lost a lot of good agents that didn't want to leave - me included!  Before you agents, managers, staff of Senior Life Insurance Company start blowing up this site with comments that I'm sure will be different from mine - please understand this  was my individual experience and is my truth.  I'm sure you guys worship Senior Life Insurance Company and will drink their bath water!  If anyone should be pissed it should be me - I left senior life because I was treated poorly by the staff and didn't feel valued for my hard work and efforts - need I say more! If your experience was great, I am happy someone has something nice to say and was treated better but there are plently of comments online that have a difference of opinio; and not all were bad agents! Again, my hope is that changes are made there because the company has great bones!  Good luck and hopefully your experience is better and some much needed changes will me made. 


This report was posted on Ripoff Report on 06/10/2014 06:32 AM and is a permanent record located here: http://www.ripoffreport.com/r/Senior-Life-Insurance-Company-/nationwide/Senior-Life-Insurance-Company-AgentManager-Thomasville-Georgia-1153496. 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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#1 UPDATE EX-employee responds

I couldn't have said it better

AUTHOR: Tad - ()

I know.  I know.  I'm an ex manager and I'm bitter.  That can't be further from the truth but it will come off that way.  I just want to say that this post is exactly the truth.  The home office is like that Kevin Bacon game.  6 degrees from the owner of the company.  The home office is literally all family and friends and they all treat the agents like idiots.  The owners father and son have their Uncle in law/brother in law running the operations and he can't be more of an arrogant good ole boy southern jerk.  There is even a home office guy married to his daughter.  It's crazy!

No one ever takes responsibility for mistakes.   The process of holding apps and getting leads paid back are so on the money.  I still to this day talk with so many agents that are or are about to file BK after giving 100% to this ridiculous insurance company.  

There is absolutely no way this company will stay in business.  I am not an "agent" btw.  I am a busines owner with several agents so this is again not some bitter agent who failed.  

What's really sad about this group?  They hide their lies and visciousness to their agents behind God.  

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