United American - Torchmark ripoff untrue selling practices, not disclosing shortfalls in coverage McKinney Texas

I fell into the recruiting trap and became a captive agent. The leads were horrible, the leads were people who wanted to sign up for a free i-pod or free TV, not health insurance! The coverage was so lame, they had a discount card which was sold with every health ins. plan and it gave discounts, not real insurance coverage, but managers told agents to say that with the discounts, and the insurance, good coverage was actually there. Total lies and deception. The customers thought they were getting really good health insurance coverage, instead they get very limited, inadequate coverage and a mysterious discount card. Some leads were over a year old!!Management wants you to put stickers all over your car saying that you offer health insurance for the self-employed. Agents are discouraged from saying how limited the plans are, and are told to say it will cover "about 80%" or some percentage of MOST illnesses or accidents that may happen. This is a company who had a pretty good thing going with the senior market, the medicare supplement sector, then decided to jump head first into "underage" health ins. and it is not working. Watch for the next big thing, selling multiple employees through section 125 worksite marketing. They want to spread this garbage throughout the workforce! As an agent, run, don't walk, from UA. as an employer looking for benefits or a potential insured, shop around, you can do better. My manager lied to me, lied to clients, and was an overall walking lawsuit waiting to happen, and they don't require errors and omissions insurance! My manager should not have been allowed to own an insurance license. And, before we get comments from some broker in South Carolina, let's pose the question to him: Do you tell people the benefits or lack thereof when you sell Ua policies? Do you sell that lame discount card? Can you sleep at night?

Joe
Springfield
U.S.A.