United American Insurance Company / This should be criminal
I am a former branch manager for United American and Liberty National. If you are a United American or a Liberty National agent let me speak to you first. Get out now. You can still have a great insurance job somewhere else and be able to sleep well knowing you are helping people and not hurting them. You may be to new to UA or LNL and have not seen the claims that will get filed with the policies you are selling but they will start to come in and you will not sleep once you find out what you have done to hard working families.
I worked for UA for 3 years. Started off as an agent, then unit manager, and then finally Branch manager. UA use to be a very respectable Insurance company. I use to because they now see themselves as a recruiting company. I once heard in a managers meeting a very high up say we are a recruiting company not an insurance company.
As managers we were taught to lie in our presentations. Say anything to get anyone hired that usually meant say one we are hiring managers and not agents. Tell them truthful yet unattainable possibilities about income potential while leaving out any possible negative. The point was to hire at all cost and then see what sticks. Once sometimes twice a month we would have 'cattle calls' or recruiting seminars where the goal was always to have 100 'butts' in seats that usually meant getting about a 1000 confirmations. Once we had the poor saps in the room we would start get them to fill out all their personal information before they knew what it was for. We would then take that information and start typing up a contract with it on laptops in the back.
Once the event was over we would call them to the back one by one and get them to sign an e-pad to get them hired many times without them knowing what they were signing. We would often tell them it was for a background check to see if we can get you a writing number. If we did get them a writing number that meant we hired them and charged them a $15 appointment fee.
I feel sorry for the directors that had to do this day in and day out from city to city living as just shells of humans. Their job didn't use to be like that and there are two people to blame I they are the only two people I feel like calling out personally.
Andy King - President and Author of the Flex plan that ruined the company's name as an insurer
Jay Politi - Vice President and Andy King's right hand man, womanizer and top recruiting guru who ruined company's name as an honest employer
United American has never been a Major Medical insurance company. They use to be the best at what they did in defined benefit medical plans. However, this changed with the introduction of a plan called the Flex or FlexPlus. This made them the worst at what they do. They say they aren't supposed to replace major medicals with it but they do all the time. I saw a $42, 000 hospital claim only payed $11, 000 with a Flex. And they were paying over $300 a month for the policy. That should be criminal. Agents will come on here and say they knew what they were getting they signed the papers. The papers are meant to be confusing and misleading and unless the person as a insurance or law background they will more than liking go by what the agent tells them. This should be criminal.