[LTC-Sales_Discussions] LTC claims time
ltc-sales_discussions@ltpcalums.com
ltc-sales_discussions@ltpcalums.com
Wed, 29 Oct 2003 22:50:26 -0500
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You can start by doing some homework. Go to YOUR states insurance website
and print out the consumer complaint reports of the companies you represent
and that of your competitions. Make sure the companies you represent have
low complaint ratios. Each state will be different. That way you can build
credibility with potential clients. The attachment shows a copy of Conseco
Senior Health Insurance Co. report in the great state of PA. Etc.etc.etc.A
high complaint ratio means a poor history of paying claims and consumer
satisfaction.
Now print them out for your state.
Be the experts you claim to be.
Alan M. Freed
Senior Market Insurance Specialist
534 W. Caracas Ave.
Hershey, PA 17033
717-533-5149
-----Original Message-----
From: ltc-sales_discussions-admin@ltpcalums.com
[mailto:ltc-sales_discussions-admin@ltpcalums.com] On Behalf Of Eric Couch
Sent: Wednesday, October 29, 2003 4:48 PM
To: 'ltc-sales_discussions@ltpcalums.com'
Subject: [LTC-Sales_Discussions] LTC claims time
Where does one find out which companies have a history of paying claims &
which don't?
Also, I've repeatedly heard rumor & I stress rumor that GE LTC has had a
problem paying claims. I find that hard to swallow and would love input on
it & where this is coming from. Opinions are great, but I'm looking for
documented facts.
Make it SIMPLE. Make it CLEAR. Make it HAPPEN.
-V. Eric Couch, CSA, CLTC
vecouch@bordenhamman.com
800-492-9190 ofc
Annuity & Long Term Care Marketing Co-Dir.
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<p class=3DMsoNormal><font size=3D3 color=3Dnavy face=3DArial><span =
style=3D'font-size:
12.0pt;font-family:Arial;color:navy'>You can start by doing some =
homework. Go
to YOUR states insurance website and print out the consumer complaint =
reports
of the companies you represent and that of your competitions. Make sure =
the
companies you represent have low complaint ratios. Each state will be
different. That way you can build credibility with potential clients. =
The
attachment shows a copy of Conseco Senior Health Insurance Co. report in =
the
great state of PA. Etc…etc…etc…A high complaint ratio =
means a
poor history of paying claims and consumer =
satisfaction.</span></font></p>
<p class=3DMsoNormal><font size=3D4 color=3Dnavy face=3DArial><span =
style=3D'font-size:
14.0pt;font-family:Arial;color:navy'> </span></font></p>
<p class=3DMsoNormal><font size=3D4 color=3Dnavy face=3DAlgerian><span
style=3D'font-size:14.0pt;font-family:Algerian;color:navy'>Now print =
them out for
your state.</span></font></p>
<p class=3DMsoNormal><font size=3D2 color=3Dnavy face=3DAlgerian><span
style=3D'font-size:10.0pt;font-family:Algerian;color:navy'> </span><=
/font></p>
<p class=3DMsoNormal><b><font size=3D5 color=3Dnavy =
face=3DJokerman><span
style=3D'font-size:16.0pt;font-family:Jokerman;color:navy;font-weight:bol=
d'>Be
the experts you claim to be.</span></font></b></p>
<div>
<p class=3DMsoNormal><font size=3D2 color=3Dnavy face=3DArial><span =
style=3D'font-size:
10.0pt;font-family:Arial;color:navy'> </span></font></p>
<p class=3DMsoNormal><font size=3D2 color=3Dnavy face=3DArial><span =
style=3D'font-size:
10.0pt;font-family:Arial;color:navy'>Alan M. Freed </span></font></p>
<p class=3DMsoNormal><font size=3D2 color=3Dnavy face=3DArial><span =
style=3D'font-size:
10.0pt;font-family:Arial;color:navy'>Senior Market Insurance =
Specialist</span></font></p>
<p class=3DMsoNormal><font size=3D2 color=3Dnavy face=3DArial><span =
style=3D'font-size:
10.0pt;font-family:Arial;color:navy'>534 W. Caracas =
Ave.</span></font></p>
<p class=3DMsoNormal><font size=3D2 color=3Dnavy face=3DArial><span =
style=3D'font-size:
10.0pt;font-family:Arial;color:navy'>Hershey, PA 17033</span></font></p>
<p class=3DMsoNormal><font size=3D2 color=3Dnavy face=3DArial><span =
style=3D'font-size:
10.0pt;font-family:Arial;color:navy'>717-533-5149</span></font></p>
</div>
<p class=3DMsoNormal style=3D'margin-left:.5in'><font size=3D2 =
face=3DTahoma><span
style=3D'font-size:10.0pt;font-family:Tahoma'>-----Original =
Message-----<br>
<b><span style=3D'font-weight:bold'>From:</span></b>
ltc-sales_discussions-admin@ltpcalums.com =
[mailto:ltc-sales_discussions-admin@ltpcalums.com]
<b><span style=3D'font-weight:bold'>On Behalf Of </span></b>Eric =
Couch<br>
<b><span style=3D'font-weight:bold'>Sent:</span></b> Wednesday, October =
29, 2003
4:48 PM<br>
<b><span style=3D'font-weight:bold'>To:</span></b> '</span></font><font =
size=3D2
face=3DTahoma><span =
style=3D'font-size:10.0pt;font-family:Tahoma'>ltc-sales_discussions@ltpca=
lums.com</span></font><font
size=3D2 face=3DTahoma><span =
style=3D'font-size:10.0pt;font-family:Tahoma'>'<br>
<b><span style=3D'font-weight:bold'>Subject:</span></b> =
[LTC-Sales_Discussions]
LTC claims time</span></font></p>
<p class=3DMsoNormal style=3D'margin-left:.5in'><font size=3D3 =
face=3D"Times New Roman"><span
style=3D'font-size:12.0pt'> </span></font></p>
<div>
<p class=3DMsoNormal style=3D'margin-left:.5in'><font size=3D4 =
color=3Dblue
face=3DGaramond><span =
style=3D'font-size:13.5pt;font-family:Garamond;color:blue'>Where
does one find out which companies have a <strong><b><font =
face=3DGaramond><span
style=3D'font-family:Garamond'>history of paying claims & which =
don't</span></font></b></strong>?</span></font></p>
</div>
<div>
<p class=3DMsoNormal style=3D'margin-left:.5in'><font size=3D3 =
face=3D"Times New Roman"><span
style=3D'font-size:12.0pt'> </span></font></p>
</div>
<div>
<p class=3DMsoNormal style=3D'margin-left:.5in'><font size=3D4 =
color=3Dblue
face=3DGaramond><span =
style=3D'font-size:13.5pt;font-family:Garamond;color:blue'>Also,
I've repeatedly <strong><b><font face=3DGaramond><span =
style=3D'font-family:
Garamond'>heard rumor</span></font></b></strong> & I stress rumor =
that <strong><b><font
face=3DGaramond><span style=3D'font-family:Garamond'>GE LTC has =
had a problem
paying claims</span></font></b></strong>. I find that hard to =
swallow and
would love input on it & where this is coming from. Opinions =
are
great, but <u>I'm looking for documented =
facts</u>.</span></font></p>
</div>
<p style=3D'margin-left:.5in'><font size=3D2 color=3Dpurple =
face=3DGaramond><span
style=3D'font-size:10.0pt;font-family:Garamond;color:purple'>Make it
SIMPLE. Make it CLEAR. Make it HAPPEN.</span></font><font =
size=3D2><span
style=3D'font-size:10.0pt'> <br>
</span></font><font size=3D2 color=3Dnavy face=3DGaramond><span =
style=3D'font-size:
10.0pt;font-family:Garamond;color:navy'> &nb=
sp; &nbs=
p;
-<b><span style=3D'font-weight:bold'>V. Eric Couch, CSA, =
CLTC</span></b> &nbs=
p;  =
; =
&=
nbsp; &n=
bsp;
</span></font><font size=3D2><span style=3D'font-size:10.0pt'><br>
</span></font><font size=3D2 color=3Dnavy face=3DGaramond><span =
style=3D'font-size:
10.0pt;font-family:Garamond;color:navy'> &nb=
sp; &nbs=
p;
vecouch@bordenhamman.com </span></font><font size=3D2><span
style=3D'font-size:10.0pt'><br>
</span></font><font size=3D2 color=3Dnavy face=3DGaramond><span =
style=3D'font-size:
10.0pt;font-family:Garamond;color:navy'> &nb=
sp; &nbs=
p;
800-492-9190 ofc</span></font><font size=3D2><span =
style=3D'font-size:10.0pt'> <br>
</span></font><font size=3D2 color=3Dnavy face=3DGaramond><span =
style=3D'font-size:
10.0pt;font-family:Garamond;color:navy'> &nb=
sp; &nbs=
p;
Annuity & Long Term Care Marketing</span></font><font size=3D2><span
style=3D'font-size:10.0pt'> </span></font><font size=3D2 color=3Dnavy =
face=3DGaramond><span
style=3D'font-size:10.0pt;font-family:Garamond;color:navy'>Co-Dir.</span>=
</font></p>
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name="Consumer Information Report for CONSECO SENIOR HEALTH INSURANCE COMPANY.htm"
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filename="Consumer Information Report for CONSECO SENIOR HEALTH INSURANCE COMPANY.htm"
<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.0 Transitional//EN">
<!-- saved from =
url=3D(0049)http://www.insurance.state.pa.us/csinfo/76325.htm -->
<HTML><HEAD><TITLE>Consumer Information Report for: CONSECO SENIOR =
HEALTH INSURANCE COMPANY</TITLE>
<META http-equiv=3DContent-Type content=3D"text/html; =
charset=3Dwindows-1252">
<META content=3D"Edward Mills" name=3DAuthor>
<META content=3D"MSHTML 6.00.2800.1264" name=3DGENERATOR></HEAD>
<BODY>
<P align=3Dcenter><FONT size=3D3><B>Consumer Information =
Report</B></FONT><BR><FONT=20
size=3D2>This information is not intended to be used as a sales tool. It =
should be=20
used along with information from other sources to help you make an =
informed=20
decision about an insurance company.</FONT></P>
<P align=3Dcenter>
<TABLE borderColor=3Dblack cellSpacing=3D0 width=3D"100%" border=3D2>
<TBODY>
<TR>
<TD align=3Dmiddle><FONT size=3D3><B>CONSECO SENIOR HEALTH INSURANCE =
COMPANY</B></FONT></TD></TR></TBODY></TABLE>
<CENTER><FONT size=3D2>Customer Service: Contact your insurance agent, =
if=20
applicable.</FONT></CENTER>
<P></P>
<TABLE cellPadding=3D1 width=3D"100%" border=3D0>
<TBODY>
<TR>
<TD vAlign=3Dtop align=3Dright width=3D"25%" rowSpan=3D4><FONT =
size=3D1><B>Mailing=20
Address:</B></FONT></TD>
<TD vAlign=3Dtop width=3D"25%" rowSpan=3D4><FONT size=3D1>11815 =
NORTH PENNSYLVANIA=20
STREET<BR><BR>CARMEL, IN 46032</FONT></TD>
<TD align=3Dright width=3D"25%"><FONT size=3D1><B>Company =
Phone:</B></FONT></TD>
<TD width=3D"25%"><FONT size=3D1>800-888-4918</FONT></TD></TR>
<TR>
<TD align=3Dright><FONT size=3D1><B>Company Fax:</B></FONT></TD>
<TD><FONT size=3D1></FONT></TD></TR>
<TR>
<TD align=3Dright><FONT size=3D1><B>Home State =
(Domicile):</B></FONT></TD>
<TD><FONT size=3D1>PA</FONT></TD></TR>
<TR>
<TD align=3Dright><FONT size=3D1><B>Date of =
Incorporation:</B></FONT></TD>
<TD><FONT size=3D1></FONT></TD></TR>
<TR>
<TD align=3Dright><FONT size=3D1><B>Internet E-Mail =
Address:</B></FONT></TD>
<TD><FONT size=3D1></FONT></TD>
<TD align=3Dright><FONT size=3D1><B>Date Licensed in =
PA:</B></FONT></TD>
<TD><FONT size=3D1>4/4/1965</FONT></TD></TR>
<TR>
<TD align=3Dright><FONT size=3D1><B>Internet Web =
Page:</B></FONT></TD>
<TD><FONT size=3D1><A=20
=
href=3D"http://www.conseco.com/">http://www.conseco.com/</A></FONT></TD>
<TD align=3Dright><FONT size=3D1><B>Company's Current =
Status:</B></FONT></TD>
<TD><FONT size=3D1>AC</FONT></TD></TR>
<TR>
<TD align=3Dright><FONT size=3D1><B>Type of Company:</B></FONT></TD>
<TD><FONT size=3D1>Life</FONT></TD>
<TD align=3Dright><FONT size=3D1><B>Company Code:</B></FONT></TD>
<TD><FONT size=3D1>76325</FONT></TD></TR>
<TR>
<TD vAlign=3Dtop align=3Dright><FONT size=3D1><B>Licensed in PA to=20
Write:</B></FONT></TD>
<TD colSpan=3D3><FONT size=3D1>Life and Annuities, Accident and=20
Health</FONT></TD></TR></TBODY></TABLE><BR>
<P>
<HR width=3D"100%" noShade>
<FONT size=3D2><I>Complaint History</I></FONT>
<P></P><FONT size=3D2>Complaint means any written communication received =
by the=20
Insurance Department primarily expressing a grievance against the =
company. Not=20
every complaint is found to violate state insurance laws. The complaint =
index is=20
based on a company's share of complaints and their share of the market =
for a=20
specific type of insurance. The complaint index may be used, along with =
other=20
information, as a comparison of the relative number of complaints =
received in=20
relation to the size of the company. You should not rely solely upon the =
complaint index in assessing the company's performance. Refer to the =
reverse=20
side of this document for a detailed explanation of how the complaint =
index was=20
derived.</FONT>
<P></P>
<TABLE borderColor=3Dblack cellSpacing=3D0 width=3D"100%" border=3D1>
<TBODY>
<TR>
<TH><FONT size=3D1> </FONT></TH>
<TH colSpan=3D2><FONT size=3D1>2002</FONT></TH>
<TH colSpan=3D2><FONT size=3D1>2001</FONT></TH>
<TH colSpan=3D2><FONT size=3D1>2000</FONT></TH></TR>
<TR>
<TH vAlign=3Dtop><FONT size=3D1>Type of Coverage</FONT></TH>
<TH><FONT size=3D1>Total<BR>Complaints</FONT></TH>
<TH><FONT size=3D1>Complaint<BR>Index</FONT></TH>
<TH><FONT size=3D1>Total<BR>Complaints</FONT></TH>
<TH><FONT size=3D1>Complaint<BR>Index</FONT></TH>
<TH><FONT size=3D1>Total<BR>Complaints</FONT></TH>
<TH><FONT size=3D1>Complaint<BR>Index</FONT></TH></TR>
<TR>
<TD><FONT size=3D1>Private Passenger Auto</FONT></TD>
<TD align=3Dright><FONT size=3D1>0</FONT></TD>
<TD align=3Dright><FONT size=3D1>0.00</FONT></TD>
<TD align=3Dright><FONT size=3D1>0</FONT></TD>
<TD align=3Dright><FONT size=3D1>0.00</FONT></TD>
<TD align=3Dright><FONT size=3D1>0</FONT></TD>
<TD align=3Dright><FONT size=3D1>0.00</FONT></TD></TR>
<TR>
<TD><FONT size=3D1>Homeowners</FONT></TD>
<TD align=3Dright><FONT size=3D1>0</FONT></TD>
<TD align=3Dright><FONT size=3D1>0.00</FONT></TD>
<TD align=3Dright><FONT size=3D1>0</FONT></TD>
<TD align=3Dright><FONT size=3D1>0.00</FONT></TD>
<TD align=3Dright><FONT size=3D1>0</FONT></TD>
<TD align=3Dright><FONT size=3D1>0.00</FONT></TD></TR>
<TR>
<TD><FONT size=3D1>Other Property</FONT></TD>
<TD align=3Dright><FONT size=3D1>0</FONT></TD>
<TD align=3Dright><FONT size=3D1>0.00</FONT></TD>
<TD align=3Dright><FONT size=3D1>0</FONT></TD>
<TD align=3Dright><FONT size=3D1>0.00</FONT></TD>
<TD align=3Dright><FONT size=3D1>0</FONT></TD>
<TD align=3Dright><FONT size=3D1>0.00</FONT></TD></TR>
<TR>
<TD><FONT size=3D1>Individual Life</FONT></TD>
<TD align=3Dright><FONT size=3D1>4</FONT></TD>
<TD align=3Dright><FONT size=3D1>11.30</FONT></TD>
<TD align=3Dright><FONT size=3D1>5</FONT></TD>
<TD align=3Dright><FONT size=3D1>12.59</FONT></TD>
<TD align=3Dright><FONT size=3D1>4</FONT></TD>
<TD align=3Dright><FONT size=3D1>7.66</FONT></TD></TR>
<TR>
<TD><FONT size=3D1>Individual Accident/Health</FONT></TD>
<TD align=3Dright><FONT size=3D1>79</FONT></TD>
<TD align=3Dright><FONT size=3D1>4.90</FONT></TD>
<TD align=3Dright><FONT size=3D1>56</FONT></TD>
<TD align=3Dright><FONT size=3D1>7.06</FONT></TD>
<TD align=3Dright><FONT size=3D1>46</FONT></TD>
<TD align=3Dright><FONT =
size=3D1>5.78</FONT></TD></TR></TBODY></TABLE>
<TABLE cellPadding=3D0 width=3D"100%" border=3D0>
<TBODY>
<TR>
<TD width=3D"40%"><FONT size=3D1>Complaint Index =3D Complaint Share =
/ Market=20
Share</FONT></TD>
<TD><FONT size=3D1>(1.00 is average; less than 1.00 is better; =
greater than=20
1.00 is worse)</FONT></TD></TR></TBODY></TABLE>
<P>
<HR width=3D"100%" noShade>
<FONT size=3D2><I>Financial</I></FONT>
<P></P>
<TABLE borderColor=3Dblack cellSpacing=3D0 width=3D"100%" border=3D1>
<TBODY>
<TR>
<TH width=3D"28%"><FONT size=3D1> </FONT></TH>
<TH width=3D"24%"><FONT size=3D1>12/31/2002</FONT></TH>
<TH width=3D"24%"><FONT size=3D1>12/31/2001</FONT></TH>
<TH width=3D"24%"><FONT size=3D1>12/31/2000</FONT></TH></TR>
<TR>
<TD><FONT size=3D1>Total Assets</FONT></TD>
<TD align=3Dright><FONT size=3D1>2,654,513,232</FONT></TD>
<TD align=3Dright><FONT size=3D1>2,644,199,614</FONT></TD>
<TD align=3Dright><FONT size=3D1>2,317,600,270</FONT></TD></TR>
<TR>
<TD><FONT size=3D1>Total Surplus</FONT></TD>
<TD align=3Dright><FONT size=3D1>129,132,131</FONT></TD>
<TD align=3Dright><FONT size=3D1>147,832,937</FONT></TD>
<TD align=3Dright><FONT size=3D1>194,625,316</FONT></TD></TR>
<TR>
<TD><FONT size=3D1>Total Premiums Written - Countrywide</FONT></TD>
<TD align=3Dright><FONT size=3D1>447,739,980</FONT></TD>
<TD align=3Dright><FONT size=3D1>0</FONT></TD>
<TD align=3Dright><FONT size=3D1>490,239,265</FONT></TD></TR>
<TR>
<TD><FONT size=3D1>Total Premiums Written - Statewide</FONT></TD>
<TD align=3Dright><FONT size=3D1>35,960,942</FONT></TD>
<TD align=3Dright><FONT size=3D1>37,366,464</FONT></TD>
<TD align=3Dright><FONT =
size=3D1>39,342,731</FONT></TD></TR></TBODY></TABLE><BR>
<DIV align=3Dcenter><B><A=20
href=3D"http://www.insurance.state.pa.us/csinfo/csnotes.htm">Notations =
and=20
Explanations</A></B></DIV>
<H3 align=3Dcenter>PENNSYLVANIA INSURANCE DEPARTMENT</H3>
<TABLE width=3D"100%" border=3D0>
<TBODY>
<TR>
<TD width=3D"38%"><FONT size=3D2><B><I>Edward G. =
Rendell<BR>Governor<BR><A=20
href=3D"http://www.state.pa.us/">Commonwealth of=20
Pennsylvania</A></I></B></FONT></TD>
<TD align=3Dmiddle width=3D"27%"><IMG height=3D90 alt=3D"State Seal" =
src=3D"Consumer Information Report for CONSECO SENIOR HEALTH =
INSURANCE COMPANY_files/stsealy.gif"></TD>
<TD width=3D"35%"><FONT size=3D2><B><I>M. Diane Koken<BR>Insurance=20
Commissioner<BR><A =
href=3D"http://www.ins.state.pa.us/">Pennsylvania=20
Insurance =
Department</A></I></B></FONT></TD></TR></TBODY></TABLE></BODY></HTML>
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