Senior Healthcare Consultants/RJR Insurance

Posted: Thu Mar 11, 2010 11:22 pm Post Subject: Is this the right opportunity for you?

I hope to bring more balance to all of the blogs on Senior Healthcare Consultants by sharing my experience with the company.

I’ve been a successful businessman. When I first looked at this opportunity, I researched the company’s website, saw their good rating with the Better Business Bureau, went through the interview process, and came to the conclusion that this was a solid company forging a path to help seniors with their Medicare needs. My wife is my eternal partner; I shared all of the information about the company with her before making any decision. After my interview, I ran into some blogs that had negative comments about the company. It concerned me enough to reconsider my decision to move forward with the company. I shared this negative information with my wife; we carefully went through each of the complaints of long hours, quality of the appointments, 1099, investment into your own business, travel, etc… and determined that each of these points were clearly discussed as part of the interview process. At this critical point in my decision, my wife asked me, “If we were having marital problems, would we seek counsel from someone that has been divorced 4 times?” She was asking me to evaluate the information and place more credence on the information that came from the people that were successful in the company.

It was the best advice that she could have given me. I’ve been a top producer in the company. I learned my presentation, kept up with my training to become more knowledgeable about Medicare, the products we offer and our competition, ran every appointment that I was given, traveled all over the state, took advantage of the tools the company provides, made every minute of every day count, always had the attitude at the end of the day to see just one more prospective client; in short, I ran the system. Every step of the way there were so many people who were there to help me build my business, many of whom had no financial benefit in doing so. That is the heart of this company: to bend over backwards to help people, not to get rid of them as some on here might suggest. In 18 months I had a significant book of business that paid me well in commissions and renewals.

Because I followed our system I was successful and management opportunities came to me very quickly. I’ve been a top trainer and a top interviewer, both opportunities added more money to an already good income stream.

There is nothing further from the truth to those that claim that the company is trying to get rid of you. After 3 years in the field, my production started to slow down. I didn’t want to admit it, but I was burning out. When management saw this, they again came to me and suggested options designed to help me and further my opportunity, in this case I felt my best option was to get more involved in management and less involved in production. They were helping me preserve my vesting with the company. They valued the experience I gained by following our system and asked me to contribute in other ways. I was able to maintain my dignity and my income stream.

I’ve been very fortunate to find this opportunity with Senior Healthcare and I can truly say that I love this business and those that are a part of it. I normally wouldn’t waste my time responding to these blogs but I felt compelled to do so in defense of an amazing opportunity. I also decided to respond due to my personal experience and the fact that I almost made the mistake of not pursuing this opportunity with Senior Healthcare. It takes a special person to be successful in anything you do in life. If you’re that special person that understands nothing worth anything is free, that there is no entitlement, that you will have to work for every penny you earn, that you’re willing to do whatever it takes (ethically) to be successful, then don’t let these blogs deter you from making the best decision of your life.

Posted: Fri Mar 12, 2010 05:02 pm Post Subject:

Bravo, SHCInsider - whoever you are. That was a great post.

Honestly though, I'm not terribly impressed or surprised, for that matter. It's the same old fallacious MLM story: "I succeeded because I worked harder than you." No facts, no figures, no specifics.

Let's just hope everyone who reads this post ignores the vast majority of everything posted before it and accepts your word as gospel.

I hope the SHC execs are paying attention here. If, by some chance, they end up defending themselves in a Texas court, they'll undoubtedly need you as a witness.

Posted: Fri Mar 12, 2010 10:41 pm Post Subject:

Dear SHC Insider,

Aftr giving your response a bit more thought; I'm not arguing that there is a possibility to make a six-figure income with Senior Healthcare Consultants. In fact, I concede there are probably a select few are doing so right now. This is, after all, part and parcel of the multi-level marketing model.

What you fail to grasp is that your attempt to defend a system which, by your own admission, once nearly burned you out but is now making you scandalously rich is actually helping to prove the arguments of all of your detractors.

I've a great deal of experience with Ponzi schemes and the MLM concept. I'm confident that the verbal or written promises of average weekly income are contradicted by facts to which the agents are never privy. The MLM upper manager simply applies the lash and says “You’re not working hard enough” if the poor agent fails to meet the inflated promises which were made at the point of recruitment. You took a weekly loss in net income even though you sold several policies? Why, you’re simply “not following the system”.

It is beyond disingenuous. Your system appears to be nothing short of criminal fraud upon the agent and the family that depends on him/her for financial support, despite your repeated protestations that agents are told everything up front in the interview process. If you dare to disagree with that admittedly bold statement, I challenge you to truthfully publish two simple, verifiable facts so that prospective agents are REALLY told everything up front:

One: As of today, how many career (non-broker) agents work in your Medicare Supplement division, and of that number, how many are base consultants?

Two: How many Medicare Supplement applications have career (non-broker) base consultants submitted to insurers each week for the last four weeks?

You see, SHC Insider, armed with information that every reputable agency and brokerage normally publishes to motivate its employees, anyone can use simple math to evaluate SHC’s published representation that the average base consultant nets $1600 per week in your system (source: Careerbuilder.com). Every person attending your weekly manager’s meetings, including yourself, has access to this information. This makes every person on the inside, including yourself, complicit to this fraud. And it makes each person who doesn’t come forward with the truth personally and professionally liable for whatever damages may ensue.

You had better hope that each and every person who has been a manager in your system is willing to put dollars over truth…and you had better hope that your wife is as forgiving of your decisions now as when you signed up with SHC.

Posted: Mon Mar 15, 2010 09:05 pm Post Subject:

Their silence is deafening!!

Posted: Tue Mar 16, 2010 01:26 pm Post Subject: RUN! RUN!

I can't stress as a past employee that anyone looking for a new career in insurance sales to please don't join shc. If you are willing to spend the time and money to get your state license, my suggestion is that you avoid their captive agent contract.

They promise you preset appointments so that your not cold calling with your time but they forget to tell you is that even if the senior is not home, pressured to take appointment they didn't want, then the best they had pre-existing conditions so they couldn't even qualify - you will still be charged the $18 a appointment. Some days, the call center could have 4-6 appointments scheduled for you with some so close together that you were so late to the next one the seniors were upset. The upper management didn't care you have to go to that appointment or listen to the wrath of the management on the phone.

This company is ruthless and honest you will work minimum 12-14 hours a day not including travel time, faxing paperwork in to carriers and shc, and the dreaded every night meetings. You will have no life!! Please don't take this position if you wish to have anytime with family and friends during the week because you won't have the time after all of shc mandatory procedures.

The $1600 they promise everyone the average salary you can make working for shc is not really reality. Most policies on average you will make $150 commission but remember you have average $72 - $90 a day in appointment charges. So if you were lucky to write 2 policies a day with $300 commission minus $90 in appointment charges, you are now left with $210 minus your holdback of average 20% if your lucky = $168 - $40 avg daily gas expenses = $128 - $10 -&15 daily expenses (food / drinks ) = $118 a day potentially. Then 4 days a week is less than $500 a week.

Now they did have 2 other products they pushed you to sell at every appointment was life insurance and this product they called senior healthcare partners. Both of these products you found that your clients at the appointments had plenty of life insurance or couldn't afford it. Then the shp product was a joke!! They charge a fee for discounts on products that you can get for the same price yourself or even cheaper on the Internet. The Can America drug discount plan is on the Internet for FREE!!

So your main product was a good quality product but was not suited for everyone. The Medicare advantage has seen many changes since I worked for them and I feel sorry for all the seniors that had shc consultants put them in these plans because shc doesn't lie that it's a one stop shop. They have you traveling and running appointments that you won't be able to provide customer service on the products you wrote for the client

Then the UPPER management - Mr. Brian Corder is your person in charge of payroll. He's a piece of work!! Heaven's forbid your payroll is incorrect, don't expect him to answer your phone call or email about the situation. His famous words if you ever do get a response is "I'll look into it". It might be next week sometimes it could be longer. His voicemail is always FULL!! The receptionist would always give you the runaround "He's on the phone / meeting" whatever!! Also they have caller ID! He's a joke!!

Then you have Mr. Dale Jr. - ruthless and main concern is only numbers!! Mr Douglas is someone that preaches the 30 k in all those meetings. Then your trainer / manager needs hourly reports on your sales. This is a high pressured sales job and if your not up to being a top producer, don't expect to be treated with dignity and respect.

So my final conclusion - skip the agony of working for company that works you to death to reap your commissions from the insurance carrier. They keep a pretty good part of your commissions by only giving you certain percentage and remember they keep part in holdback.

You should get your license, get appointed with 3-4 insurance carriers in your state that provide full coverage benefits for all seniors - healthy and not healthy. Then also get appointed with some life insurance carriers. You can then be your own BOSS with none of the headaches from the middle man -SHC- pressuring and reaping commissions off your sales.

RUN! RUN! RUN!

Posted: Mon Mar 22, 2010 08:40 pm Post Subject:

First I think everyone who has lost money to Senior Healthcare Consultants scam needs to share their story with Mark Colbert and get this going. I am looking forward to something finally done about these crooks. Wish I would have gone to law school instead of getting an insurance license!

I wonder whether Rip Off Reports can be held liable for offering a guarantee for what is very obviously a scam operation. I am sure that more than one person took Rip Off Reports OKing Senior Healthcare Consultants at face value. Many people do not realize Rip Off Reports is itself a scam and that ROR's "Corporate Advocacy Program" is a none too fancy way of extorting money to paper over complaints.

Anyway, can ROR be held liable? Does anyone know?

Posted: Tue Mar 23, 2010 05:19 pm Post Subject:

I doubt Ed Magedson and Ripoff Reports could be held liable, Fed Up. He's won quite a few suits under the Communications Decency Act immunity provision, and even if you won against them, there'd be the problem of recovering damages. I agree there's a serious moral issue with taking a company's money and aiding and abetting their scam if one exists, but to me this situation is more similar to holding Business Week Magazine liable for printing an ad from Enron. The Corporate Advocacy Program or even the Better Business Bureau's Accredited Business program takes money in exchange for advertisement of a guarantee of service, but it's still ultimately up to the company to make good on that guarantee.

Posted: Tue Mar 23, 2010 11:36 pm Post Subject: insurance

It's always encouraging when an 'insider' gives information about a company. Thsi way, you KNOW if that certain company is 'solid' or not. Great info, above!!

Posted: Wed Mar 31, 2010 06:42 pm Post Subject: number

how are we suppose to get info to mark colbert? I want a phone number.

Posted: Fri Apr 02, 2010 05:10 am Post Subject:

how are we suppose to get info to mark colbert? I want a phone number.