American Income Life fraud?
Kerry
I get a huge number of requests for insurance information on people
who really would not be sold medical/life insurance by any other
company. Theya re all poor people with poor health and lots of pre
existing conditions
The insurance is sold to them by friends who seem to be part of some
pyramid type selling scheme, recruited through ads of the "want to
earn money at home" sort on places like trade me.
Today i had a discssion with one and he tells me he is paying $17 a
week on the understanding that if he ends up in hospital some time
they will pay his children $500 a day, if h has an accident they will
pay etc. I suspect it is end of life insurance with an accident/
hospital module. On the website they talk about affordable insurance
for 'working people'. $17 out of a sickness benefit seems alot to me,
and no insurance will pay anything for this chap who will undoubtedly
end up in public hospital and has no income to lose for reimbursement
He has no contract to show me, no paperwork. They only got my
information today, so they are taking his $17 without knowing anything
about his health risks
Something smells very fishy to me. The people selling are friends,
also poor, also Samoan - persuasive because they are friends. There
is some faux legitimacy because friends are selling. From looking ont
he net it appears than in America they only make money on commission
and by having others selling under them
Any leads? Seems like a scam to me
Me
> Does anyone know anything fo the activities of AIL?
>
> I get a huge number of requests for insurance information on people
> who really would not be sold medical/life insurance by any other
> company. Theya re all poor people with poor health and lots of pre
> existing conditions
>
> The insurance is sold to them by friends who seem to be part of some
> pyramid type selling scheme, recruited through ads of the "want to
> earn money at home" sort on places like trade me.
>
> Today i had a discssion with one and he tells me he is paying $17 a
> week on the understanding that if he ends up in hospital some time
> they will pay his children $500 a day, if h has an accident they will
> pay etc. I suspect it is end of life insurance with an accident/
> hospital module. On the website they talk about affordable insurance
> for 'working people'. $17 out of a sickness benefit seems alot to me,
> and no insurance will pay anything for this chap who will undoubtedly
> end up in public hospital and has no income to lose for reimbursement
>
> He has no contract to show me, no paperwork. They only got my
> information today, so they are taking his $17 without knowing anything
> about his health risks
>
english" contracts for insurance.
When you give "your information" - private medical records/notes,
they're disappearing into the ether, presumably stored on some database
in the US. Should you feel comfortable about that, even though the
person has agreed to disclosure?
> Something smells very fishy to me. The people selling are friends,
> also poor, also Samoan - persuasive because they are friends. There
> is some faux legitimacy because friends are selling. From looking ont
> he net it appears than in America they only make money on commission
> and by having others selling under them
>
> Any leads? Seems like a scam to me
>
There are plenty of leads if you google "ail insurance scam", but most
for US sites.
The NZ site has header photos of local AIL man "Steve" with Very
Important People, as well as a Samoan language video. It's also MLM.
Doesn't bode well, unless you're looking for a "six figure income" and
don't care how.
MLM is a great way to sell dodgy health related product. The "company
policy" will read squeaky clean, but the "sales staff" are incentivised
to tell great big porkies. I was amazed to see how many snake-oil
merchant MLM "friends and acquaintances" start coming out of the
woodwork with amazing good news, as soon as a family member makes it
known that they have terminal cancer.
Geopelia
"shilling a week" type insurance about fifty years ago.
There were regulations in those days, mainly to prevent poaching of other
companies' clients.
And there is always Fair Go, if anyone thinks it is a racket.
Kerry
Hmm good idea :-)
peterwn
> "shilling a week" type insurance about fifty years ago.
> There were regulations in those days, mainly to prevent poaching of other
> companies' clients.
>
The only type of 'regulation' would have been a common law requirement
that you do not intentionally induce someone to break a contract.
EMB
Have a chat to the insurance ombudsman - AIUI this sort of thing is
seriously in breach of NZ law governing insurance.
Geopelia
"peterwn" <pmil...@gmail.com> wrote in message
news:bdad4918-b38b-401c...@q39g2000prh.googlegroups.com...
---------------
Yes that's it, thanks.
A _L_ P
ago. I knew a guy who was selling it. They had meetings which were very
rah-rah, Salesman of the Month, glittery cheapjack prizes and all. I
remember a rickety portable barbecue, because he didn't have any use for
it and gave it to me.
I was astonished at the very cheap premiums for that company.
Accidental death I think was what it was about. He pointed out the odds
of anyone actually having accidents of the type covered but my memory is
a bit fuzzy. They target, as you say, ordinary-to-poor people,
promising pay-outs for things that people are dread of out of all
proportion to the likelihood of their happening.
Last year a couple of guys visited a workplace where I have friends.
The guys look rough and possibly a bit dim or uneducated at work in
their work clothes, it's a job that isn't kind to clothes. But those
guys are sharp as tacks and understand numbers because they work with
them all the time. One in a nearby workshop who isn't as
mathematically inclined was rather impressed by the spiel. The other
guys explained it beautifully.
It's like being insured against being rendered quadriplegic by an
escaping farm or zoo animal in Auckland Supercity. Even if it cost 10c
a week the likelihood of it happening is so low it's outrageously
expensive. But if you can create a picture of the horror of being
suddenly helpless, plus a few news stories of truck crashes where stock
escape in town, some people will fear the wheel-chair enough to magnify
the risk of runaway animals and sign on the dotted line.
$17 a week is a hell of a lot out of a benefit unless they're like the
Kahui household who managed to get $1000+ p/w coming in from various
benefits and add-ons. Out of beneficiaries' and low-paid workers'
income it's a fortune. Heartless immoral scum, those companies. I
hope you can interest Fair Go and Target, perhaps John Campbell too.
And perhaps send a copy of any letter to Paula Bennett because she'll be
motivated to get busy about anything that makes beneficiaries poorer and
more likely to demonstrate a need for higher benefits, food banks,
emergency loans etc.
A L P
Rich...@hotmail.com
wrote:
I don't think American Income Life was around in those days, but there
were agreements between teh companies that they would not encourage
people to cancel policies to take out one with adifferent company -
that would make policy owners worse off.
Certainly the benefits described bear no relation tot he products ont
eh AIL website - at best the client misunderstoof what he was buying;
at worst it is fradulent selling.
merean...@gmail.com
mediniak...@gmail.com
Ras Mikaere Enoch Mc Carty
"American" ?
Americans = Fraud !
America = Amerigo Vespucci, The Roman Empire Agent For
Exploitation Conquest, Thereby Stealing Countless Lands,
And Countless Lives, Through Total Violence, Murder And
Slavery . . . Brutally Stealing The Indiginous Peoples Of
North And South "America", And Re-Naming Their Lands
As Their Own ——> ROMAN EMPIRE.
"America" = Fraud
†
†
†
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Ras Mikaere Enoch Mc Carty
Maangai Kaawanatanga - Tainui Kiingitanga - Te Aotearoa
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stel...@yahoo.co.nz
> Well to all you people who have nothing better to do but dog on others. Im on an AIL policy and they hav paid me all 4 times that I hav claimed. Wot other company can u name that insures children. When my son passed they paid me $10,000 and gave me extra money so I didn't hav to work while I was grieving. I'm still grieving but hearing such arrogant comments from people who don't know the facts makes it worse. YOU PEOPLE SHOULD BE ASHAMED OF YOURSELVES. By the way, you choose what your willing to pay per week.
stel...@yahoo.co.nz
> My thoughts exactly its not hard for people to say no, if people don't have the heart to say no specially in a business deal. As long as the agent is being honest about the product what's the problem??? and it's not the companies fault that a couple agents are a bit dodgy it's just like any company. Shouldn't your questions be do they do what they say they do and from what I've seen and read about them, they got a pretty good reputation for paying out.
