I used to work for a company called AGIA based in Santa Barbara. The call center is in Phoenix, AZ. I worked there for 3 years. Before anyone asks... I am using an AKA. I worked in both customer service and the claims department.
When I worked in the claims department, I seriously believed that claims were being held up by the processors to wear people down. First they would ask for a claim form to be mailed. Then if it wasn't signed and DATED. Every i dotted and every t crossed. Back it would go. They needed a Power of Attorney because of the sudden they would loose one. Or two. Or three. If one pathology report (for the Cancer plan) indicated that there was prior surgery—they would want that also. If it was a death claim—we need the funeral card, police report (if there was one), a certified death cert, an obituary and a host of other things. I saw this day in and day out.
There was no real warning given to people when the premiums would go up. Just "It's in your policy."
On a daily basis we received phone calls from insurance commisioners, the BBB, and attorneys. We did have one supervisor who handled these calls. She resigned shortly before I did.
Why am I writing this. To warn people. I worked for this company. Personally would I buy life or health insurance from them. No. I am now very gun shy of "supplemental insurance" of any kind. I write this as a warning to families and members of organizations. Forewarned is forearmed. I do hope you take this post seriously. It is not meant to be malice or hateful. It's my opinon which I feel that I can express in this country. Please research this company fully so you can make your own decision. Thank you.
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