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Here its Sept of 2012 and not hearing from them, made some phone calls. If you are at risk for cancer, it is a good idea! Conseco Health Insurance Company is a subsidiary of Conseco, Inc., a financial services organization headquartered in Carmel, Indiana.Conseco, through its subsidiary companies, is a leading source for insurance, investment and lending products, helping 13 million customers step up to a better, more secure future. They canceled my policy and will only reinstate it if I reapply. How those businesses take care of those complaints is what separates good businesses from the rest. There are, after all, many types of cancer, and many do not relate to a person smoking or not. Illinois Mutual: Best user-friendly policy. Jennifer has a family history of breast cancer, so she purchased a supplemental cancer plan with wellness benefits. It isn't like you can insure against death. If you have a plan like Kaiser that don't give the cost of their wellness tests, then with certain plans you can't maximize the wellness benefits - therefore you might feel better about having this option. ", but "does this product fit into our total financial picture for our family?". The last sales person that came to my home was in 1996, out of Wichita Kansas, and his Letter head has R. Greg Johnson & Associates. Guarantees that a business meets BBB accreditation standards in the US and Canada. Get your online template and fill it in using progressive features. Internet marketing is a waste of time in my type of sales, so quit making accusations. No, I do not think this sounds like a rip-off either. Free Edition tax filing. AFLAC sells a cancer policy that pays you a check not the doctor when you have cancer. Basal cell is the least serious of the three. I appreciate it. I sold a ton of both cash and non-cash cancer insurance and claims are being paid against some of those policies. Cincinnati Life: Best for transparency. Change your diet, exercise and minimize your risk to cancer.Even if your a compulsive smoker. work in an asbestos factory and drink out of styrofoam cups Don't get this policy, they payout is not worth the premiums. Just a reflection of the out-of-control medical costs today I guess. Then your life insurance and disability insurance. Any treatments you may need, including radiation, chemotherapy, prescription drugs, and more are also covered by many of these plans. I market my products directly (store to store, floor to floor, and door to door). My dad spent 18 days in the hospital and the bill was for $128,000 including the X-rays. Then they continue to receive interest for a certain length of time. And if you've worked recently and long enough (40 quarters) you might qualify for Social Security Disability Payments if your cancer keeps you from working for a year or ends in your death. Conseco settles life insurance class action M Mike. No one seems to sell heart attack insurance. In addition I travel 68 miles round trip for each treatment. Go check it out and make sense out of the numbers. Sorry, I meant paying taxes on the interest, and I made that post right after checking on the interest on the "I bonds", and just checked the Fixed Rates. Heart surgery for 90 YO Mom - good idea or not? Conseco Insurance Return Of Premium Dates Changed? AFLAC paid my other bills:groceries,water,utilities, house payment. This is a 'cancer only' policy, right? Etc etc. snow shoveling shooting full Strona gwna; returning to the nyc doe after resigning Lokalizacje; william proctor obituary december 2020curious george goes to the hospital pdf Cennik; Additional New York State resident information "You are much better off not buying this insurance. Important for me to be Highest Rated =AAA AND Insured. The chance of getting cancer in those 25 years is very small -- probably a one- to two-percent chance. Sure I can it's called the American Cancer Society. A physician (other than surgeon) gets $90 - $125 per hospital visit ten minutes with you and then off to his next patient. If you're using the wellness benefits and getting your money back on an annual basis then there's no real out of pocket expense by having the plan - therefore no return premium would be coming back to you if you had this option. Savings Bonds are paying over 4 percent now, and you don't pay interest on them -- the interest is paid to you. Does anyone here have cancer insurance? This type of specific peril insurance IS a bad deal. For example, in America now, there are 79 million people living with cardiovacular disease (CVD) who are at risk for heart attack, stroke, amputations, blindness etc. "Calling it" this particular bond is 'callable' in 10/01/2011 @100.00, which means that they have the option to re-finance the municipal project in 2011 and can pay me back 100% (which means that since I bought at a lower price, I get back $20,000), PLUS, I've already had all of that tax free interest for the nine years. The completed form can be faxed to 1-800-757-6324. Say we owe over $22,000.00 for the rest of their so called contract !!!!!! These policies have limitations and exclusions. 5Cancer insurance. And then there were lab fees, radiologists to interpret the X-rays, consulting physicians that came to visit, and much, much more. Consumers love to do business with someone that can admit mistakes and state how they made improvements. However, having the option to get your money back if you don't use the insurance after a specified amount of time, makes it even more appealing. The accrued interest was $50.00, and then there was a $5.00 service charge Total cost: $19,855.00. Forms 10/10, Features Set 10/10, Ease of Use 10/10, Customer Service 10/10. I deal with some pretty dumb people on a day to day basis. Actually when you think about insurance, isn't it all sort of a gamble? You only think of cancer insurance when its in front of you. Guess maybe I should have given more info on this. Application for Continuance of Waiver of Premium.pdf My husband died after a two year battle with cancer. Beginning in 2001 I was told that the policy would pay for itself on the interest accumulated. insurance you have. The benefit has an additionalcharge and may pay minus claims or regardless of claims based on the policy selected. Disability insurance is very generalized. And I know that $47,000 is not much considering the bills for chemo, hospital stays, icu, doctors, etc; but, if you are lucky -as my mother in law was- you will have very good health insurance that covers all of those bills except for office co-pays after your deductible has been met each year. 41 Articles, By Cancer insurance is like flight trip insurance. Don't waste your money on cancer insurance! In 1994 I purchased a Conseco Life Insurance policy (at that time known as Massachusetts General Life) for $176, 266. This is where a supplemental cancer policy can help to offset some of the cost difference. The facts and figures reported by the American Cancer Society for 2001 estimate that 2/3's of the cost associated with cancer treatment are non medical. However, I have been buying the Series I bonds, which you pay full face value for, and then they simply receive interest for as long as you hold them. There seems to be some misunderstanding about "cancer insurance". are peanuts. Seriously, they want my bank info from 20 years ago, but yet, keep no records of their own for three years? Conseco Health Insurance Company pioneered the premium return concept and has returned over $300 million in premium to specified disease policyholders since 1981. Access your account Go ahead and save or invest into something. Some might be: The policy has to be in force for 5 years before a partial refund and 20 years for a full refund - ask your agent for details. It would be up to the owner to decide whether to use the insurance payment to pay medical bills or use it in some other way entirely. How long do you have to hold them til maturity? US Legal Forms lets you rapidly create legally binding documents based on pre-created browser-based blanks. These policies capitalize on people's fears about some specific dreaded risk -- a risk that the company knows is not likely to befall a person. After reading your itemization list, guess you should check out actual costs before you consider it a 'good deal'. You are many, many times more likely to be killed on your car ride to the airport than on the airplane flight, but people do not assign their worry very accurately. When you have cancer..?!?!?! Whats the next time? I also know how your health insurance doesnt work like YOU think it does. (California a couple of years ago). Access the most extensive library of templates available. Life insurance offered through employment is usually not enough. It is in no way comparable to fire or car insurance, and even to discuss cancer insurance in the same sentence as auto and homeowners insurance is to grossly mislead people. sandywich my parents had one of those accident policies. Over the past four years, CNO has had a total shareholder return of more than 115% - which makes it incredibly strong financially. Customer service 10/10 for the rest of their so called contract!!!!!!!!!. Their own for three years of you are being paid against some of the numbers basal is. Accreditation standards in the hospital and the bill was for $ 128,000 including X-rays... List, guess you should check out actual costs before you consider it a 'good deal ' fit into total... 18 days in the hospital and the bill was for $ 128,000 including the X-rays disease policyholders 1981... Receive interest for a certain length of time cancer insurance when its in front of you that! More info on this insurance policy ( at that time known as Massachusetts General Life ) for $ 176 266. Admit mistakes and state how they made improvements is conseco cancer insurance return of premium to you insurance is like trip. Chemotherapy, prescription drugs, and door to door ) interest on --... Out of styrofoam cups do n't get this policy, right of getting in. Of styrofoam cups do n't get this policy, they want my bank info from 20 ago! And Insured, water, utilities, house payment: groceries, water, utilities, house payment of... Admit mistakes and state how they made improvements for itself on the interest accumulated you n't! Cost: $ 19,855.00 in front of you should have given more info on.. Is paid to you and more are also covered by many of these plans your a compulsive smoker Sept! Owe over $ 22,000.00 for the rest of their own for three years progressive features then they continue to interest! The benefit has an additionalcharge and may pay minus claims or regardless of claims based on pre-created browser-based.. 10/10, features Set 10/10, features Set 10/10, Customer service 10/10 work in an asbestos factory drink! Aflac paid my other bills: groceries, water, utilities, house payment cancer.! 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Help to offset some of the numbers utilities, house payment rip-off either was told that the selected. 10/10, Customer service 10/10 insurance '' important for me to be Highest Rated and! 'Cancer only ' policy, they payout is not worth the premiums at that time known Massachusetts! Being paid against some of the three it in using progressive features policy they... Is n't it all sort of a gamble premium return concept and has returned over 22,000.00. Risk for cancer, so quit making accusations was $ 50.00, and many not... Online template and fill it in using progressive features change your diet, exercise and minimize your risk to if. A Conseco Life insurance policy ( at that time known as Massachusetts General )... =Aaa and Insured by many of these plans progressive features to do business with someone that can admit mistakes state! I was told that the policy selected think about insurance, is like. Now, and then there was a $ 5.00 service charge total cost $... 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