Comments on: Mega Life and Health – Ron Jensen dies

By: Kumeshan

Kumeshan — Sun, 28 Oct 2007 16:07:25 +0000

Kumeshan…

I always enjoy coming to this site because you offer great tips and advice for people like me who can always use a few good pointers. I will be getting my friends to pop around fairly soon….

By: Scott

Scott — Wed, 14 Mar 2007 12:58:47 +0000

Nice Dan – you sound quite morally superior.

I wouldn’t exactly call this a niche I built… this was a blog post in 2005. Yet two years later, disgruntled customers and agents still come here and post comments why is that?

I can tell you for a fact that I was a trained agent, and I was trained using lies, that I have no doubt my trainer believed, because that’s how she was trained too.

The primary lie which I told to hundreds of prospective buyers until I found out it wasn’t true was that one of our largest competitors “Fortis” did not cover self-employed people on the job.

insurance is a slimy business, and I’m glad to be out of it for over 4 years. if Mega was forced to clean up their act by the regulatory commissions in each state, then that’s good for the buyer.

You did say one thing that made sense… “Do your research on every other individual health insurance carrier out there”

Now I’m closing comments on this post, because it’s been beat to death.

By: Dan

Dan — Wed, 14 Mar 2007 09:23:20 +0000

Not that I believe this will make any difference to someone who has found a nitche bashing a company whose primary fault is firing agents who bend the rules, paying out more than they legally have to in some instances (katrina, sf earthquake), and in those instances waving their customer’s premiums without ever requesting repayment because they have a corporate motto that is Helping Other People Everyday. They point is not to try to defend a company that has gone above and beyond my personal expectations in my coverage, but to ask you to either

1. Do your research on every other individual health insurance carrier out there before you are willing to allow your ignorance to be published, or
2. Stop your fear creating blog from terrifying those who are actually in a place to take advantage of the incredible benefits of these memberships as well as the health insurance.

I know anyone who would capitalize on a great man’s passing just so they could create their own people-will-listen-to-me-if-I-create-enough-fear kingdom will dismiss any point of reality that may challenge the foundation of your critics corner, but the reason I entered this is to hopefully offer a light of truth in this cesspool of fear based lies.

(FYI, Ron Jensen made his millions before purchasing MEGA and his purpose was to create a company that helped people with integrity)

I ask you, give up your kingdom for the good of those who want to do what’s right & might listen to you as a source of legitimacy.

By: Scott

Scott — Sat, 03 Mar 2007 19:43:23 +0000

Hi, Jason, you’re right. It’s all right there in the policy in black and white. If people would just read it, then everything is defined. You’ll go far selling insurance, I have no doubt.

Legally, it’s the buyers responsibility to know exactly what they’re buying, and policies within the same company vary year to year and state to state.

By: Jason

Jason — Sat, 03 Mar 2007 18:33:06 +0000

haha you guys are stupid if you open the policy book and you know how to read english the year out of pocket is printed in black and white haha were not selling cars here people You can’t just lie about health insurance

By: Ted

Ted — Tue, 20 Feb 2007 15:10:05 +0000

RobDawg—– as a former MEGA agent that sold for about 9 months, I would definitely find another company to work for. It all sounds warm and fuzzy in the beginning, but as you are there for a while you will realize the mistake you made.
Lynn—-your story sounds very familiar—–run from MEGA—do not buy their policy

By: lynn

lynn — Sat, 17 Feb 2007 16:44:08 +0000

Wow…this is enlightening and confusing. I just met with an agent yesterday and asked him to hold my appl. so I could confer with my husband. I got the “better send it in because if you end up with a pre existing condition you will only be insurable by bcbs.” I asked him to hold it a week……Now after reading this, I am going to go through the info he left with a fine tooth comb. I was told you could add and remove riders as you wish. Now I am being told you have to take the prescription benefit and then cancel it if you don’t want it. Sounds like a way to boost sales numbers. He also told me you could cancel the NASE membership after a couple of months. I told him I wasn’t happy with the hard sell and he of course apologized and backed down. I agree that there are problems with the whole industry. It’s horrible that these insurance companies blame huge increases on the cost of medical care when in fact it is to increase their profits to build palacial offices and pay their executives multi million dollar bonuses. The Mega agent claims that they have never had a double digit % increase in the 15 years he has been there and that they set a “profit level” and if the exceed that they keep rates at current levels and provide more riders. But he did mention the great trips the top sales people go on yearly….this coming one/…. the top 125 people get an all expense paid trip to Hawaii….Everything included for sales person and wife……great incentive to sell at all costs. I think I will continue to look.

By: Robert

Robert — Fri, 16 Feb 2007 20:12:34 +0000

I was recently interviewed and asked to be an agent with UGA. After reading this I am not sure I still want to work with them!! If any agents (past or present) could give me some advice, please let me know. My e-mail is robdawg48@hotmail.com

By: Ted

Ted — Tue, 06 Feb 2007 18:00:59 +0000

Some of the AFS and NASE benefits are ok, I wouldn’t call them brilliant. You really aren’t selling those so much as you are the insurance, so I would be very sure about that. People don’t really care so much about the association benefits, and you certainly aren’t making your money on those. I don’t believe the premise of MEGA is really unethical, I think they really believe they are an alternative to traditional HMO plans, it’s just a very poor alternative. There are people out there for whom these catastrophic plans are good, just not a lot of people.

By: Elena

Elena — Sun, 04 Feb 2007 23:34:39 +0000

I haven’t seen any reference to AFS in conjunction with Mega Life on this thread. I am scheduled to go in tomorrow with my brand new insurance agent license and start work. I am by no means a novice in understanding what is like out there since my brother was a successful agent for many years.

I’ve looked through all the documents on the stand alone association (Americans for Financial Security). The savings are brilliant in regards to legal help, road assistance, and hospital confinement alone because I pay more for AAA, Prepaid Legal and AFLAC in a year. Plus the membership offers many extra benefits that I find beneficial to a small business owner which I have been for years.

But the insurance portion with Mega life does concern me. In this arena, I am a novice and everything said here worries me. I am very moral and cannot withhold important information from anyone. It is unethical and if this is the premise for Mega Life, I am not sure if it’s the right path for me.

Where IS an ethical company? Are there any out there?