Fw: [LTPC-disc] Fw: Health Insurance
THOMAS DURKIN
mdurk123@msn.com
Mon, 26 May 2003 09:17:26 -0400
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I don't know if all of you saw this message.
----- Original Message -----
From: THOMAS DURKIN
Sent: Saturday, May 24, 2003 9:43 AM
To: Doug Burg
Subject: Re: [LTPC-disc] Fw: Health Insurance
I wanted to reply to two messages I've seen.
Health Insurance: The law is 18 months of COBRA, they are not going to o=
ffer 3 years. There is no evidence of discrimination-the company virtual=
ly is closing its doors and eliminating the entire sales force, etc.
Existing policyholders: The contract is intended to stop agents who leav=
e the company from working leads they take with them and trying to get ex=
isting policy holders to switch ltc policies. You can service policyhold=
ers, even offer them other products, like prepaid funerals. Since LTPC d=
oes not offer any products to existing policy holders anything other than=
ltci would not be a competitive product. =20
Leads you have not sold are an interesting issue. Who owns the names of =
the people that you are currently contacting but may not make a decision =
until after June 20? LTPC does not have a sales force to sell insurance =
to these people and the affinity partners contract will end on June 20. =
I would think that the affinity group would want you to follow-up to make=
them happy. There was some talk that LTPC might sell you the leads afte=
r June 20. (This won't happen. The affinity partnrs won't allow the name=
s to be sold, especially if they think another group will eventually come=
to them and have a deal like the one they had with LTPC). If that idea=
became reality it would prove you could work existing leads, or old lead=
s as long as you wanted. LTCA could not sell you these leads, they did n=
ot own them. This week they were instructed to send all leads in a marke=
t to the agents. The reason- LTPC would like sales on those leads by Jun=
e 20, if there are no sales they know they will never see any revenue fro=
m them.
Mark Durkin
----- Original Message -----
From: Doug Burg
Sent: Saturday, May 24, 2003 9:18 AM
To: ltpc-disc@ltpcalums.com
Subject: [LTPC-disc] Fw: Health Insurance
----- Original Message ----- =20
From: MrOnopa@aol.com =20
To: doug@dougburg.com =20
Sent: Friday, May 23, 2003 5:22 PM
Subject: (no subject)
Doug, =20
It appears that most all of us will be paying more for health insurance, =
especially those over 55. Some may not even be able to obtain it. =20
Cendant should allow us to stay on the existing plan at the same rate for=
up to three years. And if you are 60 or older, until you qualify for med=
icare. =20
If you count the number of us over 55, a case could be made for some type=
of discrimination. =20
Ron Onopa =20
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<HTML><BODY BGCOLOR=3D"#ffffff" STYLE=3D"font:10pt verdana; border:none;b=
ackground-color:#ffffff; "><DIV> </DIV> <DIV>I don't know if all of =
you saw this message.</DIV> <BLOCKQUOTE style=3D"PADDING-RIGHT: 0px; PADD=
ING-LEFT: 5px; MARGIN-LEFT: 5px; BORDER-LEFT: #000000 2px solid; MARGIN-R=
IGHT: 0px"> <DIV style=3D"FONT: 10pt Arial">----- Original Message -----<=
/DIV> <DIV style=3D"BACKGROUND: #e4e4e4; FONT: 10pt Arial; COLOR: black">=
<B>From:</B> THOMAS DURKIN</DIV> <DIV style=3D"FONT: 10pt Arial"><B>Sent:=
</B> Saturday, May 24, 2003 9:43 AM</DIV> <DIV style=3D"FONT: 10pt Arial"=
><B>To:</B> Doug Burg</DIV> <DIV style=3D"FONT: 10pt Arial"><B>Subject:</=
B> Re: [LTPC-disc] Fw: Health Insurance</DIV> <DIV> </DIV> <DIV>I wa=
nted to reply to two messages I've seen.</DIV> <DIV> </DIV> <DIV>Hea=
lth Insurance: The law is 18 months of COBRA, they are not going to=
offer 3 years. There is no evidence of discrimination-the company =
virtually is closing its doors and eliminating the entire sales force, et=
c.</DIV> <DIV> </DIV> <DIV>Existing policyholders: The contrac=
t is intended to stop agents who leave the company from working leads the=
y take with them and trying to get existing policy holders to switch ltc =
policies. You can service policyholders, even offer them other prod=
ucts, like prepaid funerals. Since LTPC does not offer any products=
to existing policy holders anything other than ltci would not be a compe=
titive product. </DIV> <DIV> </DIV> <DIV>Leads you have not so=
ld are an interesting issue. Who owns the names of the people that =
you are currently contacting but may not make a decision until after June=
20? LTPC does not have a sales force to sell insurance to these pe=
ople and the affinity partners contract will end on June 20. I woul=
d think that the affinity group would want you to follow-up to make them =
happy. There was some talk that LTPC might sell you the leads after=
June 20. (This won't happen. The affinity partnrs won't allow=
the names to be sold, especially if they think another group will e=
ventually come to them and have a deal like the one they had with LTPC).&=
nbsp; If that idea became reality it would prove you could work exi=
sting leads, or old leads as long as you wanted. LTCA could not sel=
l you these leads, they did not own them. This week they were instr=
ucted to send all leads in a market to the agents. The reason- LTPC=
would like sales on those leads by June 20, if there are no sales they k=
now they will never see any revenue from them.</DIV> <DIV> </DIV> <D=
IV>Mark Durkin</DIV> <DIV> </DIV> <DIV> </DIV> <BLOCKQUOTE styl=
e=3D"PADDING-RIGHT: 0px; PADDING-LEFT: 5px; MARGIN-LEFT: 5px; BORDER-LEFT=
: #000000 2px solid; MARGIN-RIGHT: 0px"> <DIV style=3D"FONT: 10pt Arial">=
----- Original Message -----</DIV> <DIV style=3D"BACKGROUND: #e4e4e4; FON=
T: 10pt Arial; COLOR: black"><B>From:</B> Doug Burg</DIV> <DIV style=3D"F=
ONT: 10pt Arial"><B>Sent:</B> Saturday, May 24, 2003 9:18 AM</DIV> <DIV s=
tyle=3D"FONT: 10pt Arial"><B>To:</B> ltpc-disc@ltpcalums.com</DIV> <DIV s=
tyle=3D"FONT: 10pt Arial"><B>Subject:</B> [LTPC-disc] Fw: Health Insuranc=
e</DIV> <DIV> </DIV> <META content=3D"MSHTML 6.00.2800.1170" name=3D=
GENERATOR> <STYLE></STYLE> <DIV> </DIV> <DIV style=3D"FONT: 10pt ar=
ial">----- Original Message ----- <DIV style=3D"BACKGROUND: #e4e4e4; fon=
t-color: black"><B>From:</B> <A title=3DMrOnopa@aol.com href=3D"mailto:Mr=
Onopa@aol.com">MrOnopa@aol.com</A> </DIV> <DIV><B>To:</B> <A title=3Ddoug=
@dougburg.com href=3D"mailto:doug@dougburg.com">doug@dougburg.com</A> </D=
IV> <DIV><B>Sent:</B> Friday, May 23, 2003 5:22 PM</DIV> <DIV><B>Subject:=
</B> (no subject)</DIV></DIV> <DIV><BR></DIV><FONT face=3Darial,helvetica=
><FONT size=3D2>Doug, <BR>It appears that most all of us will be paying m=
ore for health insurance, especially those over 55. Some may not even be =
able to obtain it. <BR>Cendant should allow us to stay on the existing pl=
an at the same rate for up to three years. And if you are 60 or older, un=
til you qualify for medicare. <BR>If you count the number of us over 55, =
a case could be made for some type of discrimination. <BR>Ron Onopa</FONT=
> </FONT></BLOCKQUOTE></BLOCKQUOTE></BODY></HTML>
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