Report: #460046

Complaint Review: I P A - Independent Producers Of America & ABBA America's Business Benefits Association

  • Submitted: Tue, June 09, 2009
  • Updated: Sat, March 26, 2011
  • Reported By: Greenwood Village Colorado
  • I P A - Independent Producers Of America & ABBA America's Business Benefits Association
    4643 S Ulster St
    Denver, Colorado

I P A - Independent Producers of America- ABBA - America's Business Benefits Association, Health Insurance This company's management urges its agents to break state law Denver Colorado

*UPDATE EX-employee responds: The Truth about IPA America's Business Benefits Association

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Independent Producers of America. the ABBA stands for America's Business Benefits Association. Both of these organizations are in the health insurance, accident and critical illness insurance industry

After retiring from a different industry, I was recruited to become a health insurance agent with IPA-ABBA. I took the suggested classes and sat for the State of Colorado licensing test. During these classes there were numerous things that were pointed out that were illegal while selling insurance in the state. That is why during training with the company I was surprised by two Managers, James Sackos and Dan Denui who were urging agents to participate in rebating to consumers to increase sales which is clearly illegal.

In addition, the company offers a membership accident and critical illness policy that is not tied to the health insurance products they feature. Mr. Sackos and Mr. Denui insisted to us agents that the accident and critical illness policy be presented and sold to consumers in a manner that is not truthful. They urged us to tell consumers that if they did not buy the membership they could be singled out for rate increases. This is clearly illegal in Colorado.

When I was recruited by IPA I was told that we were independent contractors. But as I began working with them I found out that they have numerous rules that blur the distinction between IC status and that of an employee. For example, we were told how we had to dress for meetings. We were told that meetings were mandatory. We were also told that we needed to work a minimum of 40 hours per week to keep them happy.

My advice to any person considering selling for IPA-ABBA here in Colorado... don't! Their coverage is expensive when compared to the competition. They are consistently 90 days late in paying commissions. They regularly change the terms of their ABBA membership without notifying agents in the field and they regularly encourage their agents to break state laws in their efforts to maximize sales. There are numerous agents who have worked for IPA here in Colorado who are due back end commissions by agreement, who have not been paid a dime by IPA since leaving.

Herron of alexandria
Greenwood Village, Colorado
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This report was posted on Ripoff Report on 06/09/2009 11:02 AM and is a permanent record located here: 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 UPDATE EX-employee responds

The Truth about IPA America's Business Benefits Association

AUTHOR: dbluei51 - (USA)

I also worked for the company and everything he has said is absolutely true! They also make you pay hundreds of dollars to work for them and they fail to tell you or make it widely known that if you don't make a sale in 9 weeks they get rid of you, this happened to me and I was never told that this was the case, it has happened to others a well.
I don't know how they can take hundreds of dollars from new recruits and be able to sleep at night. They also say that they give you leads, well the leads that they give you are older than the hills and they make you jump through hoops to get  them. I did enjoy working with the people in my group, they were all very supportive.
I know for a fact that their were people working there that hadn't made a sale in over 12 weeks! This is just bad news just stay away from this company!
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