[LTPC-disc] Fw: Health Insurance
Mary Pillow Kirk
mpillowkirk@earthlink.net
Tue, 27 May 2003 15:52:08 -0500
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Mary Pillow here. so far I have found that Blue Cross Blue Shield is =
less expensive thru Farm Bureau than on the open market. I don't know if =
there is a Farm Bureau in every state. All one has to do is pay $25 a =
year membership and I found that my policy was about $150. a month less!
----- Original Message -----=20
From: THOMAS DURKIN=20
To: ltpc-disc@ltpcalums.com=20
Sent: Monday, May 26, 2003 8:17 AM
Subject: Fw: [LTPC-disc] Fw: Health Insurance
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 offer 3 years. There is no evidence of discrimination-the company =
virtually is closing its doors and eliminating the entire sales force, =
etc.
Existing policyholders: The contract is intended to stop agents who =
leave the company from working leads they take with them and trying to =
get existing policy holders to switch ltc policies. You can service =
policyholders, even offer them other products, like prepaid funerals. =
Since LTPC does 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 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 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 leads as long as you wanted. LTCA could not sell =
you these leads, they did not own them. This week they were instructed =
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 know =
they will never see any revenue from 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 medicare.=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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<DIV><FONT color=3D#ff0000 face=3DArial size=3D3>Mary Pillow here. so =
far I have found=20
that Blue Cross Blue Shield is less expensive thru Farm Bureau than on =
the open=20
market. I don't know if there is a Farm Bureau in every state. All one =
has to do=20
is pay $25 a year membership and I found that my policy was about $150. =
a month=20
less!</FONT></DIV>
<BLOCKQUOTE=20
style=3D"BORDER-LEFT: #000000 2px solid; MARGIN-LEFT: 5px; MARGIN-RIGHT: =
0px; PADDING-LEFT: 5px; PADDING-RIGHT: 0px">
<DIV style=3D"FONT: 10pt arial">----- Original Message ----- </DIV>
<DIV=20
style=3D"BACKGROUND: #e4e4e4; FONT: 10pt arial; font-color: =
black"><B>From:</B>=20
<A href=3D"mailto:mdurk123@msn.com" title=3Dmdurk123@msn.com>THOMAS =
DURKIN</A>=20
</DIV>
<DIV style=3D"FONT: 10pt arial"><B>To:</B> <A=20
href=3D"mailto:ltpc-disc@ltpcalums.com"=20
title=3Dltpc-disc@ltpcalums.com>ltpc-disc@ltpcalums.com</A> </DIV>
<DIV style=3D"FONT: 10pt arial"><B>Sent:</B> Monday, May 26, 2003 8:17 =
AM</DIV>
<DIV style=3D"FONT: 10pt arial"><B>Subject:</B> Fw: [LTPC-disc] Fw: =
Health=20
Insurance</DIV>
<DIV><BR></DIV>
<DIV> </DIV>
<DIV>I don't know if all of you saw this message.</DIV>
<BLOCKQUOTE=20
style=3D"BORDER-LEFT: #000000 2px solid; MARGIN-LEFT: 5px; =
MARGIN-RIGHT: 0px; PADDING-LEFT: 5px; PADDING-RIGHT: 0px">
<DIV style=3D"FONT: 10pt Arial">----- Original Message -----</DIV>
<DIV=20
style=3D"BACKGROUND: #e4e4e4; COLOR: black; FONT: 10pt =
Arial"><B>From:</B>=20
THOMAS DURKIN</DIV>
<DIV style=3D"FONT: 10pt Arial"><B>Sent:</B> Saturday, May 24, 2003 =
9:43=20
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=20
Insurance</DIV>
<DIV> </DIV>
<DIV>I wanted to reply to two messages I've seen.</DIV>
<DIV> </DIV>
<DIV>Health Insurance: The law is 18 months of COBRA, they are =
not=20
going to offer 3 years. There is no evidence of =
discrimination-the=20
company virtually is closing its doors and eliminating the entire =
sales=20
force, etc.</DIV>
<DIV> </DIV>
<DIV>Existing policyholders: The contract is intended to stop =
agents=20
who leave the company from working leads they take with them and =
trying to=20
get existing policy holders to switch ltc policies. You can =
service=20
policyholders, even offer them other products, like prepaid =
funerals. =20
Since LTPC does not offer any products to existing policy holders =
anything=20
other than ltci would not be a competitive product. </DIV>
<DIV> </DIV>
<DIV>Leads you have not sold are an interesting issue. Who =
owns the=20
names of the people that you are currently contacting but may not =
make a=20
decision until after June 20? LTPC does not have a sales force =
to sell=20
insurance to these people and the affinity partners contract will =
end on=20
June 20. I would think that the affinity group would want you =
to=20
follow-up to make them happy. There was some talk that LTPC =
might sell=20
you the leads after June 20. (This won't happen. The =
affinity=20
partnrs won't allow the names to be sold, especially if they think =
another=20
group will eventually come to them and have a deal like the one =
they=20
had with LTPC). If that idea became reality it would =
prove you=20
could work existing leads, or old leads as long as you wanted. =
LTCA=20
could not sell you these leads, they did not own them. This =
week they=20
were instructed to send all leads in a market to the agents. =
The=20
reason- LTPC would like sales on those leads by June 20, if there =
are no=20
sales they know they will never see any revenue from them.</DIV>
<DIV> </DIV>
<DIV>Mark Durkin</DIV>
<DIV> </DIV>
<DIV> </DIV>
<BLOCKQUOTE=20
style=3D"BORDER-LEFT: #000000 2px solid; MARGIN-LEFT: 5px; =
MARGIN-RIGHT: 0px; PADDING-LEFT: 5px; PADDING-RIGHT: 0px">
<DIV style=3D"FONT: 10pt Arial">----- Original Message -----</DIV>
<DIV=20
style=3D"BACKGROUND: #e4e4e4; COLOR: black; FONT: 10pt =
Arial"><B>From:</B>=20
Doug Burg</DIV>
<DIV style=3D"FONT: 10pt Arial"><B>Sent:</B> Saturday, May 24, =
2003 9:18=20
AM</DIV>
<DIV style=3D"FONT: 10pt Arial"><B>To:</B> =
ltpc-disc@ltpcalums.com</DIV>
<DIV style=3D"FONT: 10pt Arial"><B>Subject:</B> [LTPC-disc] Fw: =
Health=20
Insurance</DIV>
<DIV> </DIV>
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<DIV> </DIV>
<DIV style=3D"FONT: 10pt arial">----- Original Message -----=20
<DIV style=3D"BACKGROUND: #e4e4e4; font-color: black"><B>From:</B> =
<A=20
href=3D"mailto:MrOnopa@aol.com" =
title=3DMrOnopa@aol.com>MrOnopa@aol.com</A>=20
</DIV>
<DIV><B>To:</B> <A href=3D"mailto:doug@dougburg.com"=20
title=3Ddoug@dougburg.com>doug@dougburg.com</A> </DIV>
<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=20
appears that most all of us will be paying more for health =
insurance,=20
especially those over 55. Some may not even be able to obtain it.=20
<BR>Cendant should allow us to stay on the existing plan at the =
same rate=20
for up to three years. And if you are 60 or older, until you =
qualify for=20
medicare. <BR>If you count the number of us over 55, a case could =
be made=20
for some type of discrimination. <BR>Ron Onopa</FONT>=20
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