• Report: #225170

Complaint Review: United American Insurance

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  • Submitted: Wed, December 13, 2006
  • Updated: Sat, July 25, 2009

  • Reported By:Kansas City Missouri
United American Insurance
www.unitedamerican.com Kansas City, Missouri U.S.A.

United American Insurance Their top agents are generally low-life highschool dropouts with no teeth. Kansas City Missouri

*UPDATE Employee: COLLEGE EDUCATED?????

*UPDATE Employee: so by your own admission you are ignorant

*UPDATE Employee: First, it's Crisro (with an 'r'). Secondly, I did my research

*UPDATE EX-employee responds: Crisco, do your research!!

*UPDATE Employee: Are you making these 'facts' up?

*UPDATE Employee: Pad

*UPDATE Employee: Pad

*UPDATE Employee: Pad

*UPDATE Employee: Pad

*Consumer Comment: wow

*Consumer Comment: wow

*Consumer Comment: wow

*Consumer Comment: wow

*UPDATE Employee: Unit Manager

*UPDATE Employee: Wow, I graduated from the University of Notre Dame & I have teeth, & I work for UA

*UPDATE Employee: Before you continue

*Consumer Comment: Discrimination Must of Began When Your Teacher Showed You To The Reception Desk,

*Consumer Suggestion: I'm just wondering Jon if they offered you a job?

*UPDATE Employee: To Jon:

*UPDATE Employee: Agent

*Consumer Comment: United American Insurance

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Generally when a person chooses a career they want something lagitamate, something that implies the ability to grow in something, and something that will test their skills. However, when a person goes to "look for a job" it generally means that they have no skills or education and need something that they can get by on before their belongings are reposessed. To better explain; those with no education are usually not going find the career they want, but they will find a job. Here's how you know to stay away from a company, when the company gives group interviews where they boast the company up so high that you begin to believe it's the next Microsoft, run away, especially when you find out that half the people getting the jobs are highschool dropouts or worse.

My experience is this:
I'm a sophmore at the University of Missouri studying business admin. with an emphasis on marketing. I consider myself pretty well educated and a smart business thinker. When my second semester was ending I looked into maybe finding an early internship for the following summer, instead I found UA. I was skeptical at the fact that they telling you that you could just walk in and make $100 -150 k a year with no experience needed, but thought I would go to the interview. I expected a one on one real world interview with a well to do manager, instead I had a group interview. Before he started the interview some of the applicants starting talking with each other about things like finances and their drug charges. I did not feel that I fit in and wondered what in the world I had gotten myself into. One of the applicants explained a situation in which she had just gotten out of rehab for haroin, another was talking about not having enough "DOE" to catch the bus home and needed a ride, this was a F***ing zoo. When the manager came in he gave a Sh!t talk about how the company is one of the biggest in the world for insurance and how their agents are incredibly wealthy, great part about this was that the nicest car in the agent parking was a Pontiac Sunfire, my focus was nicer than any of those high dollar agents. To make a long story short the interview ended with each and every single loser in the room dreaming of making "big money" one of them even said "well hell, this sounds like a humdinger" (whatever the hell that is).

The moral of the story is, if you at least graduated from highschool then you can find a much better job somewhere else. United American is meant for highschool dropouts with no common sense. Hell, the branch manager drove a rusted out Honda CRX with two spares accomidating the front wheels and he introduced us to his top agent who was a man with no front teeth. These guys are seriously trailor trash. Take my word for it or don't, but the fact of the matter is that no one will ever go into a place like United American and make more than they would make working at their local Wendy's, hell I even hear at Wendy's you get a discount on food, at UA you get the luxurious life of a one bedroom trailor and if it is not a trailor where you call home then your credit is shit after anything more.

And let this be said to. No UA agents need to come on here and talk about how the quality of their agents is high, that's bs, my dad has a friend who owns an insurance firm and when I talked to him about UA, he told me that they are the lowest of the low, plus when one branches top agent is one with no teeth their is a problem. Anyone can get a job here so long as they can spell simple words.

Jon
Kansas City, Missouri
U.S.A.

This report was posted on Ripoff Report on 12/13/2006 12:14 PM and is a permanent record located here: http://www.ripoffreport.com/r/United-American-Insurance/Kansas-City-Missouri/United-American-Insurance-Their-top-agents-are-generally-low-life-highschool-dropouts-with-225170. 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 Employee

COLLEGE EDUCATED?????

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

I actually work for UA's sister company Liberty National. I read your blog and here is what stood out to me

For a college graduate you really can't spell at all!! Also, you can't judge a company by a couple of representatives. I know some Ua reps in about four states and some of them are nice and some aren't. As you get more life experience you will learn this.
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#2 UPDATE Employee

so by your own admission you are ignorant

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

I"ve been with United American almost 20 years and you just don't get it!
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#3 UPDATE Employee

First, it's Crisro (with an 'r'). Secondly, I did my research

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

Do you understand how A.M. Best and the S&P 400 work?
If you did, you wouldn't have posted the ignorant remark about their ratings only
involving medicare supplements. Company's like those, rate the company as a whole. It is listed as a Life & Health insurance company. If you don't believe me, feel free to look it up online.
http://www.ambest.com/

Brainwash cycle?
I doubt my mind is in a 'brainwash' cycle. I'm just not a jaded ex-employee who obviously bumbled their way in and out of their job. It is the responsibility of the agent to do their homework and read their policies and ask any questions or about misrepresentations before selling a policy. Apparently, you didn't do that. It's people who didn't fully understand policies they actively sold or who are just out for themselves that hurt the company and the policyholders, while the honest employees like myself are constantly berated and crucified.

Interesting side note, speaking of the research you said I needed to do, it specifically says in the policy that we do not pay for the labwork. Also, it's a state mandated benefit, if you would have read the rider for the benefits. You should have remembered that from your licensure test.

So, as I've stated before, it doesn't matter which company you work for. It is entirely up to the agent that they explain everything. If your former policyholders were 'lied' to, it's more your fault than the companies. That's the reason we had to take the test and become certified. To protect the consumer.
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#4 UPDATE EX-employee responds

Crisco, do your research!!

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

Those ratings you posted are on UA's Medicare products not on their Health Insurance, so do your research, that is if your brain isn't swimming in UA Wash Cycle!!

In awnser to the question on how much The Flex Plan pays for Chemo, here's your awnser

$300 once a year on the 50k plan
$400 once a year on the 75k plan
$500 once a year on the 100k plan

I found this out with a client the hard way, this was in 2007 don't know if the flex plan has changed in the past year.

Another interesting thing I found out was that the Flex plan covered the Annual Womans Physical as stated, but it did not cover the Lab work, which of course is the most expensive part of a Womans Annual Physical. Pretty Stupid , huh, another lesson I learned the hard with the client.

I could go on and on , but ask away if you have any other questions on the Flex Plan.

As for you UA brainwashed agents out there, guess you haven't spent 50% of your time in your office dealing with complaints about what the policy doesn't cover like I was doing before I left the company, and I was honest about the policy I always told them it was not a Major Medical Policy since they had to sign a paper acknowledging that I had told them that, but often times I was ignorant and would find out things after the fact like the Chemo thing and the Female Annual check-up thing, because in the paper you leave the client it looks like these things are covered under outpatient labwork and it doens't say anything about only "once a year" . So, long and short of it the wording in the info that is given to the client to sell the policy is not completely honest and easily misinterpreted.
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#5 UPDATE Employee

Are you making these 'facts' up?

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

What are you majoring in exactly?
Me, I've got a BS in CS with emphasis on Data Analysis.

Do you know anything of the real work world?
Most salary pay jobs don't just expect you to stay at the office untill the 9-5 is over, they expect you to stay as long as you have to finish the task at hand.
I just don't like entertaining the idea of making 60k/yr for working 60-70 hours for someone else.

Why did I join United American?
Because how much you earn and how well you do is entirely up to you.
Doing your best and doing it well doesn't go unnoticed by the Sr. level staffing
or the credit and blame isn't shifted. You recognize yourself by making more money and with the prospect of having to work less in the future.

Why doesn't everyone do this then?
I'm going to say that 95%+ of people cannot manage their time. They'd rather lounge at the cooler and shuffle papers, flip burgers, etc. They want to get paid to slack off, goof around, etc. Do the smallest amount that they possibly can to earn that check.
On top of the time managment, you have to be driven. You have to put in the effort, learn how to talk to people (which wasn't easy for me), and understand the products.


I don't believe you!
Of course you don't, ignorance listens not to fact or reason. Being ruled by a preconceived notion is easier than expanding your mind.

....Then again, I'm not sure I'd want such a negative and closed minded person working side by side with me.

But of course what do I know?
I must be one of those toothless, high school failures, that NEVER went to college or got a job prior to his job at UAI based on that attained degree. Well, maybe I lied and I do have a college degree from SOSU and I'm quite happy with my UAI job.


By the way, let me hit you with some info, since you are in a field of business, you should know what some of this means.
Torchmark (father company) info:
A+ A.M. Best
AA- Standards & Poore
9 stock rating
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#6 UPDATE Employee

Pad

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

Pad, I'm not sure if you know, but IF you are an insurance agent/producer/manager/underwriter, what you are doing is illegal. It's known as defemation, not only will you be subjected to a fine, having your license revoked, but there is the possibility of jail time.

Also, what you are doing is considered 'flaming' by bringing up irrelevant points on topics. I am reporting this to the administrator.

It is sad that you or someone else had a bad experience, but that's life and those are people. I've been conned before too. You will find conmen in every business, I assure you. If there weren't any bad apples, there wouldn't be licensure tests to try to weed out as many of them as the state can. I'm just sorry you have befell such ill fate.
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#7 UPDATE Employee

Pad

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

Pad, I'm not sure if you know, but IF you are an insurance agent/producer/manager/underwriter, what you are doing is illegal. It's known as defemation, not only will you be subjected to a fine, having your license revoked, but there is the possibility of jail time.

Also, what you are doing is considered 'flaming' by bringing up irrelevant points on topics. I am reporting this to the administrator.

It is sad that you or someone else had a bad experience, but that's life and those are people. I've been conned before too. You will find conmen in every business, I assure you. If there weren't any bad apples, there wouldn't be licensure tests to try to weed out as many of them as the state can. I'm just sorry you have befell such ill fate.
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#8 UPDATE Employee

Pad

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

Pad, I'm not sure if you know, but IF you are an insurance agent/producer/manager/underwriter, what you are doing is illegal. It's known as defemation, not only will you be subjected to a fine, having your license revoked, but there is the possibility of jail time.

Also, what you are doing is considered 'flaming' by bringing up irrelevant points on topics. I am reporting this to the administrator.

It is sad that you or someone else had a bad experience, but that's life and those are people. I've been conned before too. You will find conmen in every business, I assure you. If there weren't any bad apples, there wouldn't be licensure tests to try to weed out as many of them as the state can. I'm just sorry you have befell such ill fate.
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#9 UPDATE Employee

Pad

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

Pad, I'm not sure if you know, but IF you are an insurance agent/producer/manager/underwriter, what you are doing is illegal. It's known as defemation, not only will you be subjected to a fine, having your license revoked, but there is the possibility of jail time.

Also, what you are doing is considered 'flaming' by bringing up irrelevant points on topics. I am reporting this to the administrator.

It is sad that you or someone else had a bad experience, but that's life and those are people. I've been conned before too. You will find conmen in every business, I assure you. If there weren't any bad apples, there wouldn't be licensure tests to try to weed out as many of them as the state can. I'm just sorry you have befell such ill fate.
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#10 Consumer Comment

wow

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

i must say, UA is a good company, and highly rated as by AM Best of A+ rating. it does pay what it says it will pay as per policy, the problem im trying to state here is the agents presenting the policy in a dishonest and misleading way. and most of the agents try to present the policy as it is, they lay it on the table in black and white. and the people know what there buying. a limited policy. but for the customer that runs into these dishonest agents need to know this information. and i do believe that if the company finds out about these unfair trade practices the company will terminate the agents contract.

UA does have a form that states this is not a major medical policy that the customer has to sign, this should show the integrity of the company. and should also show that its the agent not the company doing the misrepresentation.
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#11 Consumer Comment

wow

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

well its been a week since my last post and still no answer to my question from a UA agent! imagine that
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#12 Consumer Comment

wow

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

yeah just what i thought. no one at UA will answer the top secret security question that they cannot give the answer because if they did they would have to eat crow with what they just said above, about how great the company is, is really good insurance, yeah whatever. so once again how does it pay if someone gets cancer? well since no one at UA will say it because if they were truly upfront and honest with the person they were sitting in front of while giving the presentation, if they tell them it will only pay 300.00 for your chemo treatments. they would not sell that policy! yes thats right 300 dollars. and since it pays per occurance, yep thats right it only pays one time 300 dollars for the complete chemo and radiation treatment. per occurance means once dioagnoised that is a occuarance, per injury or illness. just like they said trying to stand up for there company, read your policy..... and when you read your policy,, you will notice that it does not say anything about paying chemo or readiation. so does it pay anything? well 300 dollars is nothing anyway. so, is chemo and radiation not a covered expense since its not stated anywhere in the policy? who knows but i know one thing there will be no response from anybody from UA
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#13 Consumer Comment

wow

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

well here we go some real united american agents, unit managers, and branch managers. so here we go again, just one question. if someone gets cancer with any of the flex plans, 50, 75, or 100 flex, how does it pay for chemo treatments? now everybody knows that chemo is done on an outpatient basis. been asking this question for a long time, years, still no answer to the question. wonder why everyone at UA is scared to answer.
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#14 UPDATE Employee

Unit Manager

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

I am not sure you know what you are talking about. Any person who has an insurance license has to have a high School Deploma. They cannot have any felonies on their record and that can be for drugs they still wont take you. If your dad has his own insurance company why would you even entertain an idea of being with another company? I think although your words were not miss spelled and you sound intellegent I would not want to hire such a negative person anyway. So it is good you could not see past the missing teeth.

No company you work for will ever be perfect. There are always something wrong with it. You will never make any money working for corporate america because they can tell you when to sit and when to stand. If you are a self motivated person you will do great with United American. It does not matter what car you drive. It matters what is in your bank account. United American is a great place to work. But you do have to work and not sit on your butt all day and expect someone to hand you a paycheck. So if that is what you are looking for than you are on the right track.
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#15 UPDATE Employee

Wow, I graduated from the University of Notre Dame & I have teeth, & I work for UA

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

After reading your complaint, I almost question whether I should waste my time filling a rebuttal. Since I firmly believe that you have had a bad experience, I think I should correct you.
First of all, I work for United American and have for the last 2 years. I gave up a coorporate job making $70k / yr in order to help individuals who need health insruance. I now HONESTLY make more, and work less. When I was first introduced into the business I did have to work 60-70 hours per week in order to make my desired goal of 90-100k (which I accomplished my first full year).
I now work around 40-50 hours (which is still less than that "cushy" cooporate job I had making 70k / year) per week and will make even more money this year.
I'm truly sorry about your bad experience in your interview process, I will tell you that I have discovered those who are going to college, or those freshly out of college, believe they are entitled to a 50k / yr job with 9-5 hours. I have news for you, you have to put your time in first before you get that. And when you do get that, it isn't what you thought it would be. People always ask me "Gosh, you graduated from the University of Notre Dame, and you sell insurance... WHY?"
My response is always the same
1) I like helping people. I truly enjoy it.
2) I make more money than 97% of the population, interested in finding out more?

If you are looking up the company, have an interview coming up, or feel you had a bad manager (which happens), please call me. 314.482.8100
I have LESS than a 50% turnover ratio. Most managers have a 90% turnover ratio.
Why is mine less?
I would be more than happy to give you the phone numbers of my agents and you could ask them yourself.
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#16 UPDATE Employee

Before you continue

AUTHOR: Tiredofwhining23 - (U.S.A.)

I strongly disagree with what you have to say about United American Insurance Company. My experience is this. I am not in college and I did not graduate from college. I graduated High School with honors and decided that I wanted to get on with my real life. Although I am sorry that you are so snooty and you feel that everyone is below you. You might want to run a spell and grammar check on what you put on your last comment. I am sure you will find that you will be sitting there all night.

However, I am very smart and I do work for United American at the Home Office. In which, we have agents come in and out of the office all the time. Most of them drive nicer cars than I do and most of them are much more well spoken than your last blog was. The people that you were in the room with were simply there to interview, not get hired. Have you ever held an interview for a job that does not need any experience, didn't think so. I have made the mistake of getting hired at one of those group hire jobs. It simply wasn't for me. And I am grown enough to admit that. However, I know people that were hired at that same meeting and they are still with that company years later and still happy. So, before you decide that you know everything in the whole world about it all because you are in college. Come back down to earth.
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#17 Consumer Comment

Discrimination Must of Began When Your Teacher Showed You To The Reception Desk,

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

Then Your Teacher Must Of Showed You Around The Box.

Merit Is, Has Been, And Always Will Be, Based On Postive Accomplishments.

Having No Teeth Couldn't Be A Logical Reason For A Person To NOT Work Hard.

A Dedicated Worker's Recognition Will Stay With Him or Her For Life.

Their On The Job Achievements Must Be Appropriate Enough To Do The Work For Their Bosses That Has To Be Done.

They Made It To The Interview.
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#18 Consumer Suggestion

I'm just wondering Jon if they offered you a job?

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

Although I don't work for United American, I have an interview with them today. As far as the agents being toothless high school dropouts, I guess I will find out shortly if your claim is true.

I happen to have a Master's in Linguistics. Since I got tired of the financial limitations of being a teacher in the public schools, I figured I would try sales.

I will post my interview experience later.
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#19 UPDATE Employee

To Jon:

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

Well well well, Jon. Interesting letter you wrote there. First of all, you need to check your spelling and grammar before you start insulting others.

As for the agents of UA, I have been one since Sept. 06. I have never sold anything in my life. When I started I was driving a 1998 Dodge Durango with 245,000 miles on it. 3 weeks after starting on my own, I bought a new Chevy Malibu. I drove that awhile, then decided I was bored with it, so I bought myself a new Dodge Charger, and yeh, its got a Hemi.

I do have all my teeth. I am a high school graduate and maintained A-B Honor Roll all in school.

I love my job. I love my company. I have never had an opportunity such as this. I have already been promoted to an AUM. I love that I can go and offer health insurance to people who cant afford the major medical or dont qualify and are begging for SOME kind if insurance. Dont knock my job just because you werent successful.
Oh, and by the way, my Branch Manager drives a new Denali.
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#20 UPDATE Employee

Agent

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

Jon,

1. It is spelled legitimate.

2. I am a very educated person in UAI employment. I am not a high school drop out. I have four degrees and am currently achieving a doctorate. I also teach part time at a local college. Colleges do not hire high school drop outs as professors. So, your fallacy (the fallacy of Hasty Generalization) in suggesting that all UAI agents are uneducated is just that an uneducated opinion.

3. To suggest that we have common sense is also a fallacy. We all do not have the same common knowledge, so thus the lack of common sense.

4. The word is "trailer" not "trailor" in reference to a mobile home.

5. I have all my teeth.

6. I guess you did not get the job, (i.e. " Anyone can get a job here so long as they can spell simple words"). You fail.
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#21 Consumer Comment

United American Insurance

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

I don't know about actually working for United American Insurance. But I do know they've given me the tools to be pre-certified to pass the stateexamination. I also know that you cannot sell life and health insurance unless you are licensed by the state. The progam I used for training was very good. I am confident I can pass that test. So my point is this. Once you're licensed by the state, it doesn't matter who you work for. It's total commissions. I would not be in the position to pass the state examination without United American Insurance.

Kevin
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