by lifeagent911 » Tue Dec 30, 2008 03:20 am
This is worth it weight in gold. I suggest that you get your clients to sign it. I can't tell you how many times, it have help the agent, when a client lied on the application.
Applicant's Statement of Truth and Acknowledgement
I hereby acknowledge that all my answers given on application(s) for life, long term care, cancer and/or health insurance today, ___________________2009 are true and complete to the best of my belief and knowledge.
I will review the application(s) completely to make sure all answers are correct and complete before signing such application(s).
I fully understand that an insurance company can later rescind a policy or deny/reduce a claim/benefit due to my application answers that were not knowingly truthful in fact, misrepresented, or lacked material information known by me. This information includes, but is not limited to, my current and past medical history as well s any tobacco usage.
Furthermore, I will not hold you, my agent, responsible in any manner whatsoever should a company later rescind a policy or deny/reduce a claim/benefit for these reasons.
________________________________
Applicant/Owner
__________________________
Agent
___________________________
Witness/Beneficiary (if available)
This form should be retained by the agent.
A copy may also be given to the applicant/owner.
Applicant's Statement of Truth and Acknowledgement
I hereby acknowledge that all my answers given on application(s) for life, long term care, cancer and/or health insurance today, ___________________2009 are true and complete to the best of my belief and knowledge.
I will review the application(s) completely to make sure all answers are correct and complete before signing such application(s).
I fully understand that an insurance company can later rescind a policy or deny/reduce a claim/benefit due to my application answers that were not knowingly truthful in fact, misrepresented, or lacked material information known by me. This information includes, but is not limited to, my current and past medical history as well s any tobacco usage.
Furthermore, I will not hold you, my agent, responsible in any manner whatsoever should a company later rescind a policy or deny/reduce a claim/benefit for these reasons.
________________________________
Applicant/Owner
__________________________
Agent
___________________________
Witness/Beneficiary (if available)
This form should be retained by the agent.
A copy may also be given to the applicant/owner.
Posted: Thu Jan 08, 2009 02:27 pm Post Subject:
Just remember Sdchargersfan is not an insurance agent and is only going by what she thinks she knows.
If you want the correct answer, you need to talk to someone that has an insurance Lic and is trained to answer your questions.
SHe is 100% wrong. An Life Insurance Company does not have to take someone with aids/hiv. There is no law that an insurance company is required to take you for life insurance. Read the rest of her post on the thread.
You keep talking about Guidelines and laws. Either show us these laws and guidelines or shut up, because you don't know what your talking about.
You do not have an insurance lic, so I recommend you stop trying to tell clients what the laws are and acting like your an agent. If you had an lic, you would know that you are 100% clueless.
If what you are saying is correct, they why do they have questions on an app and make you do a medical most of the time.
Once again, either show us the Laws and Guidelines, or get an insurance lic, or shut up giving out wrong information.
Posted: Thu Jan 08, 2009 03:47 pm Post Subject:
SD' I don't why you continue with your opinion on this subject matter.
You've been ask to find us verifiable information that supports your understanding of HIPAA and you refuse to do so.
If you are NOT going to let this go and move on then neither will I and I will continue to challenge your incorrect information.
YOU ARE FLAT OUT WRONG.
PERIOD.
END OF STORY.
Please stop offering your incorrect opinion and show us information, let's say, from the United States Government who passes these needless laws in the first place.
I don't mean to be harsh but I supplied the link from the United States Government regarding the HIPAA privacy rules and EXCEPTIONS and yet you continue with your absolutely false information.
Please stop this.
At this point your postings are nothing more than political rhetoric coming straight (pun intended) from the gay community.
Posted: Fri Jan 09, 2009 12:32 am Post Subject: insurance
As I said, people have their OWN opionion: You agree or you don't. My making posts ( on how the HIPAA laws protect my 'Client' and what I'm allowed to do for her/him) will continue on this forum...that's how it is. I said, from the beginning, I'm NOT an Insurance Agent.
Posted: Fri Jan 09, 2009 01:32 am Post Subject:
Make them sign a form that says if they don't die before the end of their term policy you are not responsible.
Posted: Fri Jan 09, 2009 01:33 am Post Subject:
There is a difference between a fact and an opionion. Sdchargersfan some people will always think the world is flat. Even when we can prove the world is round.
I would value an opionion from a lic doctor more then I would from just someone that works in a doctor's office.
YOu post is not how the hippaa law protects your client. You did a lot of back tracking.
You said that a life insurance company must accept a person with aid/hiv because the hippa law makes them take them. You said there is a law and it's in their rights.
Again here is what you said already on the post.
The following is what you said again on this post.
"A friend of mine has a 'pre-existing' Medical condition, that is 'covered' under the HIPAA Law. 'His' Insurance company refused to sell him Life Insurance if he did not sign a similar form ('not responsible for...). His Mother was POA. When my friend passed away, his mother sued the Insurance company and won."
"The HIPAA Law......my friend was HIV..AIDS. He din't have to divuldge any of that information to any sort of Insurance."
I bet you go on the forums for doctors to talk to other doctors and give your opionion there also. LOL. You know you love playing insurance agent or you would stay on the client section of the forum. There is a reason why you stay on the agent sections of the forum and give your advise about insurance and the laws.
Posted: Fri Jan 09, 2009 01:52 am Post Subject: insurance
I make posts ANYWHERE on the forum. I give advice on what I know: I don't give advice on Insurance ( in general)..just on what the Insurance Companies, that my 'Client' deals with, are obligated to give her/him. And...what can (possibly?) happen if the Insurance Companies don't 'live up' to those obligations.
Posted: Fri Jan 09, 2009 01:57 am Post Subject:
sdchargersfan, So an insurance company is obligated to give a person with hiv/agents or any health condition life insurance and it should not be underwritten. This is because the hippa law right. Hmm. You give this advise because you know this. Hmm.
Posted: Fri Jan 09, 2009 03:50 am Post Subject: insurance
In THIS particular case I'm 'working on'..yes..I DO know this.
Posted: Fri Jan 09, 2009 04:10 am Post Subject: insurance
It amazes me that Insurance Agents/Companies get very defensive when they are 'challanged' by others. My 'Client' deserves ALOT better 'treatment' than what her/his Insurance Companies are giving her. It's very upsetting to see.
Posted: Fri Jan 09, 2009 07:19 am Post Subject:
ANYONE has a right to have Medical or Life Insurance
Then why do we come across queries referring to"Pre-existing conditions" while applying for a policy? Why do our premiums vary when pre-exisiting conditions are mentioned? Why do our applications get rejected so often? I'd rather ask SD to reply to my queries now.
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