I'm reporting more and more about insurance fraud on my daily insurance news blog. Do you think as economic times worsen, we'll see more of this?
Total Comments: 981
Posted: Wed Nov 06, 2013 03:28 am Post Subject: Insurance fraud on the rise
Yes, as a matter of fact one, of the worst assurance parts of insurance fraud that is going on now is Examfx and their affiliates get's 73,000,000,000 hits daily from consumers trying to enter the various hottest trades. I wonder what they do with the personal data of every body who didn't pass the state exams? I wonder if they sale the data to list servers and that's how I keep on getting insurance ads in my mailbox from companies that I didn't request to contact me, Hmm?
Posted: Fri Nov 08, 2013 12:05 am Post Subject:
73,000,000,000 hits daily
LMAO! 73 BILLION? I seriously doubt it. Besides, this has nothing to do with insurance fraud.
I wonder if they sale the data to list servers and that's how I keep on getting insurance ads in my mailbox from companies that I didn't request to contact me, Hmm?
I don't suppose you ever took the time to read their privacy notice did you?
Posted: Fri Nov 08, 2013 03:42 am Post Subject: Pre-Licensing Law per State per industry
Nothing to do with insurance huh? Are we the only industry that requires per-licensing, for our future trades? Why pay this hum-doe, to pre-licensing educators if it has nothing to do with taking a test, to get a insurance license in our case, to qualify to solicit financial services L & H disability and/or Property & Casualty and or Adjusters, etc? And everyone doesn't pass the first time like they Guarantee! Some take the test several times and pay hundreds and still don't pass. Could be the material is whack? So, what do they do with all of the data? Throw it away? Send it to the outer space twilight zone?, Or just let it set there until an idea comes into their heads? In criminal law, fraud is intentional deception made for personal gain or to damage another individual; the related adjective is fraudulent, and verb is defraud. Fraud is a crime and a civil tort at common law, though the specific criminal law definition varies by legal jurisdiction. Defrauding people or entities of Money or Valuables is a common purpose of fraud.
Posted: Fri Nov 08, 2013 03:12 pm Post Subject:
Are we the only industry that requires per-licensing, for our future trades?
No. Doctors and lawyers, nurses and engineers, and many others also go through "prelicensing" education, too.
Nothing to do with insurance huh?
Learn not to misquote . . . I did not say it had nothing to do with insurance, but that it had nothing to do with INSURANCE FRAUD.
Defrauding people or entities of Money or Valuables is a common purpose of fraud.
That's correct. But making the link to insurance fraud as you did is inaccurate. You can press your claim for misrepresentation, and you could attempt to sue for fraud, but not for insurance fraud. No insurance policy or claim, agent or company is involved in this "guarantee".
And everyone doesn't pass the first time like they Guarantee!
Guarantees such as this are dubious at best, and only believed by those who fail to read on: "If a student fails the licensing exam within three days after scoring 80% on the Guarantee Exam, we will refund the cost of the material when provided with a copy of the exam results and access code."
That's the real guarantee. Like a smog test . . . "pass or don't pay". The "don't pay" has nothing to do with the first test, only with a re-test after repairs are made.
With ExamFX one has to take the state exam within three days of scoring 80% on their "Guarantee Exam". Putting those two things together is nearly impossible. So I would agree that although the guarantee is nearly worthless, it fails the fraud test because it is possible for someone to comply with their 3-day requirement.
Does everyone who goes to college leave with a degree? No. Does everyone who graduates with a BA on the Dean's List find a job within three days? No, and that's not fraud either.
Some take the test several times and pay hundreds and still don't pass. Could be the material is whack?
And it could also be that the individual doesn't comprehend the material.
I've been teaching live prelicensing courses since September 2000, and writing curriculum for them since 2005 (but never for ExamFX). My students do not all pass on the first attempt, and I don't guarantee that they will. But for as long as I've been teaching, my first-time pass rate has been in the 90%+ category. And some of the material I've had to teach with was not of the best or most up to date information. My students passed because I provided them with the correct information they needed. That's sometimes the most important difference between a live class and a cheap online course.
And some who took my class also never took the exam. That's on their dime.
Posted: Mon Mar 03, 2014 04:45 am Post Subject:
I am sure there is more fraud out there, especially since people are having a hard time finding employment and can not afford to live the lifestyle they are used to living. They may have bought that new vehicle when they had a good job, and then lost their job and see no other way out. I am sure the current economic situation is making good people make some shady decisions.
On the other hand when you have good people making an honest claim, the insurance companies need to pay up. My brother in law filed a claim with a disability insurance policy that he has had since 2006 and only filed one other small claim three years ago, they racked him over the coals, talking about existing conditions, etc. I still believe the only reason they did finally pay was because they new about 6 customers were watching and ready to cancel, most of us have existing conditions and the insurance guys knows that when he completes the paper work, so why deny the claim or put it off just to cause stress.
So I think it works both ways.
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Posted: Wed Nov 06, 2013 03:28 am Post Subject: Insurance fraud on the rise
Yes, as a matter of fact one, of the worst assurance parts of insurance fraud that is going on now is Examfx and their affiliates get's 73,000,000,000 hits daily from consumers trying to enter the various hottest trades. I wonder what they do with the personal data of every body who didn't pass the state exams? I wonder if they sale the data to list servers and that's how I keep on getting insurance ads in my mailbox from companies that I didn't request to contact me, Hmm?
Posted: Fri Nov 08, 2013 12:05 am Post Subject:
73,000,000,000 hits daily
LMAO! 73 BILLION? I seriously doubt it. Besides, this has nothing to do with insurance fraud.I wonder if they sale the data to list servers and that's how I keep on getting insurance ads in my mailbox from companies that I didn't request to contact me, Hmm?
I don't suppose you ever took the time to read their privacy notice did you?Posted: Fri Nov 08, 2013 03:42 am Post Subject: Pre-Licensing Law per State per industry
Nothing to do with insurance huh? Are we the only industry that requires per-licensing, for our future trades? Why pay this hum-doe, to pre-licensing educators if it has nothing to do with taking a test, to get a insurance license in our case, to qualify to solicit financial services L & H disability and/or Property & Casualty and or Adjusters, etc? And everyone doesn't pass the first time like they Guarantee! Some take the test several times and pay hundreds and still don't pass. Could be the material is whack? So, what do they do with all of the data? Throw it away? Send it to the outer space twilight zone?, Or just let it set there until an idea comes into their heads? In criminal law, fraud is intentional deception made for personal gain or to damage another individual; the related adjective is fraudulent, and verb is defraud. Fraud is a crime and a civil tort at common law, though the specific criminal law definition varies by legal jurisdiction. Defrauding people or entities of Money or Valuables is a common purpose of fraud.
Posted: Fri Nov 08, 2013 03:12 pm Post Subject:
Are we the only industry that requires per-licensing, for our future trades?
No. Doctors and lawyers, nurses and engineers, and many others also go through "prelicensing" education, too.Nothing to do with insurance huh?
Learn not to misquote . . . I did not say it had nothing to do with insurance, but that it had nothing to do with INSURANCE FRAUD.Defrauding people or entities of Money or Valuables is a common purpose of fraud.
That's correct. But making the link to insurance fraud as you did is inaccurate. You can press your claim for misrepresentation, and you could attempt to sue for fraud, but not for insurance fraud. No insurance policy or claim, agent or company is involved in this "guarantee".And everyone doesn't pass the first time like they Guarantee!
Guarantees such as this are dubious at best, and only believed by those who fail to read on: "If a student fails the licensing exam within three days after scoring 80% on the Guarantee Exam, we will refund the cost of the material when provided with a copy of the exam results and access code."That's the real guarantee. Like a smog test . . . "pass or don't pay". The "don't pay" has nothing to do with the first test, only with a re-test after repairs are made.
With ExamFX one has to take the state exam within three days of scoring 80% on their "Guarantee Exam". Putting those two things together is nearly impossible. So I would agree that although the guarantee is nearly worthless, it fails the fraud test because it is possible for someone to comply with their 3-day requirement.
Does everyone who goes to college leave with a degree? No. Does everyone who graduates with a BA on the Dean's List find a job within three days? No, and that's not fraud either.
Some take the test several times and pay hundreds and still don't pass. Could be the material is whack?
And it could also be that the individual doesn't comprehend the material.I've been teaching live prelicensing courses since September 2000, and writing curriculum for them since 2005 (but never for ExamFX). My students do not all pass on the first attempt, and I don't guarantee that they will. But for as long as I've been teaching, my first-time pass rate has been in the 90%+ category. And some of the material I've had to teach with was not of the best or most up to date information. My students passed because I provided them with the correct information they needed. That's sometimes the most important difference between a live class and a cheap online course.
And some who took my class also never took the exam. That's on their dime.
Posted: Mon Mar 03, 2014 04:45 am Post Subject:
I am sure there is more fraud out there, especially since people are having a hard time finding employment and can not afford to live the lifestyle they are used to living. They may have bought that new vehicle when they had a good job, and then lost their job and see no other way out. I am sure the current economic situation is making good people make some shady decisions.
On the other hand when you have good people making an honest claim, the insurance companies need to pay up. My brother in law filed a claim with a disability insurance policy that he has had since 2006 and only filed one other small claim three years ago, they racked him over the coals, talking about existing conditions, etc. I still believe the only reason they did finally pay was because they new about 6 customers were watching and ready to cancel, most of us have existing conditions and the insurance guys knows that when he completes the paper work, so why deny the claim or put it off just to cause stress.
So I think it works both ways.
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