Author Archive

Website – https://www.statefarm.com
Located – Bloomington, IL
Phone – 1-888-559-1922
Employees – 68,000
Revenue (mil.) – 61,611
Description – Like an enormous corporation, State Farm is everywhere. The leading US personal lines property/casualty company (by premiums), State Farm Mutual Automobile Insurance Company is the #1 provider of auto insurance. It also is the leading home insurer and offers non-medical health and life insurance through its subsidiary companies. Its products are marketed via some 17,000 agents in the US and Canada. Competition has increased with the fall of barriers between the banking, securities, and insurance industries. State Farm’s efforts to diversify include a federal savings bank charter (State Farm Bank) that offers consumer and business loans through its agents and by phone, mail, and the Internet.

Source: http://www.hoovers.com

Reviews & Ratings

ms hollywood’s Full Review of State Farm Home Insurance Group

Why would anyone trust their home, car or property in the hands of someone they have never met? Yet so many of us do just that.

In my search for insurance I had called many agents. A particular agent stood out because of an intangible sincerity that simply did not come across with other companies I had called. But I still wanted to see this agent and his staff in their own environment. And I wanted them to see me, to know the person they were insuring. From the moment I stepped into my agent’s local office, I knew they were good people. Their office was full of personal awards, charitable involvements, things that say these are real people.

That was 10 years ago. During 7 of those years I must have had 3 or 4 accidents. Each time I made the fateful call, the first question was “Are you O.K.?” My agent and his staff were always available when I needed them. Even when leaving a message about some small inquiry, I would get a call back within the hour. At the beginning of my policy, I drove a ’73 Super Beetle convertible. They were one of the few companies to offer me 100% coverage.

Five years ago my car and home were broken into. I called State Farm and was quite emotional. They were supportive and caring. They simply asked for receipts on the items taken and covered the exact cost.

Then, 3 years ago I bought a Jeep Wrangler without anti-lock brakes. I have had SIX wrecks since. One day I received the letter that State Farm was dropping me. I had suspected this would happen since the last accident was costly. They were still kind. They reminded me that 2 accidents would fall off next year and that they would be glad for me to return then.

I recently purchased a home and called to ask about home insurance. Upfront, my agent told me their rates would be high since I no longer had auto insurance with them. He advised me to wait until I could come back for auto insurance. THAT is the kind of honesty and concern that keeps me loyal. I believe the bad reviews I have read. I also believe that these stories can apply to any company. Remember, Independently OWNED and OPERATED. The moral of the story again…it is NOT the company; it’s the agent behind the company. And always go with a local office. Let them see your face and you see theirs. THEN decide.

moneyhoney’s Full Review of State Farm Home Insurance Group

Yes I have been an employee of a State Farm Agent. I am proud to say that I am insured by State Farm and because I worked there and saw what this agent did for clients in their time of need, I will remain a State Farm Client.
We had a tornado rip through our area and we had in excess of two hundred claims, auto and homes, some severely damaged and others that you had to search for the damage but each one was taken care of as if they were out in the cold.
In one situation an elderly lady lost her home to fire, and needed help to remember what she had in her home! My agent said take your time and ask questions let her fill in the blanks. Less than three weeks later she was in a new double wide and had replaced a major portion of her personal property. It was so nice to be able to help someone who needed HELP! I love the concept of insurance to spread the cost of loss among a lot of people so that one will not have to endure the cost of the loss alone.

calwaone’s Full Review of State Farm Home Insurance Group

State Farm has insured our homes for years, and always come through when there was any problem to be dealt with. The best thing that I like about State Farm is that the company doesn’t try to sell you a policy that is too expensive or that insures more than need.

Often, it is natural to want to insure your home for the amount it cost you to buy it, or for even more. Now, often, it will take that much to replace it, should it be totally destroyed. But, often, it will not. In my case, the homes have gone up so much in worth, that I would not need that full amount as insurance. Remember, the foundation will probably not burn up. The grounds, the yard, will not disappear. You paid for those things when you bought your home, but, do you need to insure for them? I don’t think so.

Liability is a really important item to be high on, though. Realize that if a dog you’ve never seen before bites someone you’ve never seen before on your lawn, you could be completely liable! If a burglar breaks his leg while trying to get into your home, you could be liable for his injuries! Now, that sounds crazy, but it is true. I used to work as a claim’s agent for an insurance company, and you wouldn’t believe how far your liability extends if/when there is an ‘incident’. Be prepared not to lose your home and everything you own because of ridiculous liabilities.

I like to insure the home I live in, with a life insurance type policy, also. If my husband were to die, the home would be paid for. It is not an expensive thing to do and it lets me sleep nights. State farm just includes it in the price of my policy. It doesn’t matter how old or young you are, things can happen. Do you have children to rear, do you have enough money coming in, by yourself, to pay those mortgage payments if something should happen? Consider this when you are making the policy. You can add it on, anytime, with State Farm. I like that security blanket.

State Farm Home Mortgage has been fair with me. They replaced the carpets and linoleum in my home when the washer went crazy and flooded all over the flooring. They paid for new flooring, when I just plugged in the vacuum cleaner, and fire shot out of the socket, burning a hole in my kitchen floor linoleum. They pay quickly and they pay a fair sum to repair or to replace what should be.

I recommend State Farm to every home owner!

Source: http://www.epinions.com

Website – https://www.travelers.com
Located – St. Paul, Minnesota
Phone – 1-888-695-4625
Employees – 33,000
Revenue (bil.) – 24.477
Description – The Travelers Companies (NYSE: TRV) is the largest American insurance company by market value.[2] It is also the second largest writer of commercial property casualty and personal insurance in the United States. Travelers has significant operations in New York, New York, Hartford, Connecticut and St. Paul, Minnesota. The company has field offices in every U.S. state, plus operations in the United Kingdom, Ireland, Singapore, Shanghai and Canada. In 2008, the company reported revenues of US $24 billion and total assets of US $110 billion. Travelers, through its subsidiaries and approximately 14,000 independent agents and brokers, provides commercial and personal property and casualty insurance products and services to businesses, government units, associations, and individuals.

Source: http://www.wikipedia.org

Reviews & Ratings

mommabunny’s Full Review of The Travelers Company Home Insurance

Two years ago we moved into our home in Mobile, AL. This is our third home and once again, it was time to shop for homeowner’s insurance. I got quotes from several of the big name carriers, and decided to check with Traveler’s primarily because we had our auto insurance with them.

A big consideration for us was a flat deductible for all losses. It seems that the trend lately is to provide a separate 3% to 5% deductible for Hurricane losses. This could be a big bite if we lost our $175,000 home in a big storm. Being this close to the coast, this is a pretty substantial risk to us.

Travelers offered a flat $500 deductible: a winning point.

We chose to sign with them, and are reaping the 10% discount for having our auto insurance with them as well.

When I read through our new policy, I noticed a provision for loss of frozen food with no deductible. This turned out to be a real boon when we returned from a two week vacation to find that our the breaker had tripped to our huge upright freezer, leaving a mess of rotten meat and seafood. The $500 some odd check didn’t get rid of the mess, but it did allow us to replace the food.

I try to keep up on policy pricing, and so far, Travelers has remained quite competitive, and their customer service has been excellent.

dbhoutx’s Full Review of The Travelers Company Home Insurance

Before I get too far into this review, I want to mention that I have never filed a homeowners claim, so I am focusing on everything but claims experiences. Perhaps someone who has filed a claim will read this review and will be inspired to write about their claim filing experience.

I bought my first home 4.5 years ago, before I was married and a few months after I returned to Houston from Tampa, where I attended graduate school. (Read my review on USF – Tampa.) I was very excited when I was offered a job at St. Luke’s Episcopal Hospital (Home of the Texas Heart Institute) since I really wanted to be back in Houston. I decided to rent an apartment for six months and would find a house during that time. Thus, I knew I had my work cut out when I arrived back home. Fortunately my parents live in Houston so moving and the associated problems were a bit easier to deal with since my parents were willing to help me out!

Three months after returning home, I found my house. Now, it was time to get insurance and do all of the other things associated with buying a home. Since I already had my car insured through GEICO, I made my first call to them and asked if they could provide homeowners coverage. They transferred me to that department. Through my conversation with them, they explained that another company underwrote the insurance and they acted as agents selling the policy.

I got my quote and to my surprise, the price was very reasonable. Of course, I had been covered under a renters policy through them previously so it gave them an idea that I was claims free and a reasonably good risk. Getting the insurance was painless. All I had to do was provide GEICO with information about the Title company so they could coordinate the coverage periods. This was easily accomplished. My house was insured at the time I took possession.

My rate was very reasonable considering I what I was used to paying for renters insurance. I got tons more coverage for only 5 times the cost of my renters policy. In fact, the total exposure went up by a factor of 10 or so. Since the day I purchased the initial homeowners policy, I have increased the coverage 25-30% including adding excess personal property coverage, up to the maximum allowable limits, and have only faced a 15% increase in the policy costs.

Each time I need information about the policy, I make a quick phone call to Travelers representatives and have an answer within a few minutes. Only once did it take longer than a five minute phone call to get the information I needed and that was because the representative needed to talk to an underwriter about what could be done to increase the coverage. Even then, I had an answer within a couple of hours. Most recently, I decided to consolidate all of our insurance and other financial information into a single spreadsheet. I called my representative at Travelers who coordinated obtaining all of the other insurance information about all of my other policies. My home fax was busy that day collecting all of the face sheets from each policy so I could track how much insurance we had and how much it cost us.

In addition to our regular homeowners policy, when I got married, we added a valuable items policy to cover our jewelry. Unfortunately this is a very costly policy. We pay a premium of about 75% as much as our homeowners policy for a very good jewelry policy. Or course it does cover a lot of jewelry and provides for coverage for virtually any loss. I am sure a self inflicted loss would not be covered, but I did not read the policy to be sure. Since it covers our watches and wedding/engagement rings and some other jewelry I have given my wife, I figure we will not loose the items for any reason other than an accident.

So far as a policy holder paying premiums and having not filed a claim, I am a happy policy holder. I hope that should I ever need to file a claim, I will still be as happy! The rates are better than most of the other big insurers and I make sure each year that this is true. Give them a call and get a quote.

kevlog’s Full Review of The Travelers Company Home Insurance

As some of you know, my wife and I woke up 2 weeks ago to find a scene from the Titanic playing itself out in our basement! Stuff floating everywhere, water shooting everywhere, electrocution hazards everywhere (I found out later-after sloshing through the ‘lake’ in my cutoffs about the hazards!) and a general disaster in process! How did this happen, you ask? A simple thing really; the hot water hose leading in to our GE Washing Machine simply wore down and snapped. From now on we’ll be sure to shut off the water after each and every load of laundry we do!! (Do you do this? You might want to consider it!)

So you get the scene here right? Toys, books, games, family heirlooms (Auntie June’s Santa Claus toilet seat cover!! :-O ), some of my precious breweriana…all ruined!! It was a major drag to say the least, but our experience with Traveler’s Insurance turned the whole experience in to a somewhat positive experience. Thanks to a kindly fire Lieutenant who said he’d submit a thorough Fire Report which would help with our insurance claim (“insurance???” I thought to myself!” Oh yeah, homeowner’s insurance!”) we started the process of itemizing our losses. So, for two days I sat in the backyard, surrounded by molding rugs, books, my precious college diaries, etc., making an extensive list for our insurance adjustor. (this, while neighborhood kids kept asking ‘When’s the Yard Sale?’) The adjustor from Traveler’s called us promptly, put us at ease, told us step by step what we needed to do, and even gave us advice on getting the smoke and mold smells out of our basement. Lysol Antibacterial Mountain Scent spray works wonders to kill mold! He told us to include everything, including hours spent cleaning up, garbage bag costs, and he reminded us to keep all receipts from the plumbers, the electricians, the pump rental place, etc., that would come in handy in the coming weeks. We held on to all our bags of damaged items, but Traveler’s never felt it necessary to send anyone out to inspect, since our paperwork, fire report, etc., all supported our claim.

I followed his advice and proceeded to transfer my itemized lists to an Excel Spreadsheet to make his life easier. (He was VERY appreciative and and I believe it sped up the whole claims process) I faxed him all the receipts, the Fire Report, as well as a copy of a complimentary letter I had sent to our agent regarding our adjustor’s excellent, professional service (call me a brown-noser, it’s ok) and within a few days we had our check!

The total our adjustor came up with was exactly 250 dollars above the amount we requested and our deductible was…..drumroll please….250 dollars! Needless to say, we were happy with Traveler’s and feel confident knowing they handle our homeowners insurance. How very appropriate their umbrella symbol was in our case! Our water damage, it should be noted, is different than weather related water damage which is NOT covered by most homeowner’s policies! You need a special FLOOD policy for that sort of protection.

Now, if we could just remember to shut off those hoses after every washing!

Thanks for reading!

Source: http://www.epinions.com

Website – https://www.USAA.com
Located – San Antonio, TX
Phone – 1-800-531-USAA (8722)
Employees – 22,700
Revenue (bil.) – 14.418
Description – USAA has a decidedly military bearing. The mutual insurance company serves more than 6 million member customers, primarily military personnel, military retirees, and their families. Its products and services include property/casualty (sold only to military personnel) and life insurance, banking, discount brokerage, and investment management. USAA relies largely on technology and direct marketing to sell its products, reaching clients via the telephone and Internet. The company’s USAA Alliance Services unit provides discount shopping (floral, jewelry, and home and auto safety items), and travel and delivery services to its members.

Source: http://www.hoovers.com

Reviews & Ratings

hotaru25′s Full Review of USAA Group Home Insurance

I selected USAA for renter’s insurance because of the great deal that they have given me while I was finishing up setting my auto insurance account.

The friendly representative asked me if I would be interested in a special offer–I really liked that, she did not force it on me like so many other companies do. I received an offer that for 25 dollars a year, I would receive up to 3,000 dollars of insurance coverage on everything of value in my dorm room. With an offer like that, who could resist? I accepted right away (after checking and discovering that there was no catch to the coverage).

They proccessed the papers quickly and ensured that I understood everything involved in the process–something you don’t find every day in an insurance company that uses jargon and round-a-bout answers to get one’s money (I know from personal experience). I thank USAA for the great deal and for the friendly personnel that do not act like used car salesmen that force candy-coated deals onto the unsuspecting consumers. Finally, a company that is truthful and genuinely concerned for their people.

cbermom’s Full Review of USAA Group Home Insurance

Long ago, my father was in an insurance pool. Through that pool, he was able to get auto insurance through USAA. He had insurance through them for 3 years before the pool switched him. He loved the insurance, but was unwilling to join the military in order to keep it!

When my husband joined the Army, my father asked if we could get insurance through USAA. He was still praising the company after all these years. At the time, though, USAA was only available to commissioned officers and not to enlisted members of the military.

A couple of years ago, all that changed. USAA became available to enlisted members of the military. My husband and I immediately called and changed our coverage. We were surprised to find out how much lower our premiums were. We were able to save well over $50 on our auto insurance!

When we bought our house, we signed up with USAA as our homeowner’s insurance. We had never needed to call on them for anything…until recently.

I went away for a couple of weeks during which time, we had a power outage at our house. We have, in our garage, a large chest freezer that was filled with food my mother-in-law had given us. Her father had owned cattle and had slaughtered a cow. We probably had 1/3 of a cow in our freezer, not to mention some game meat as well as fresh frozen corn from the farm. When the power outage occurred, the GFCI switch on the outlet went. The freezer sat with no power for nearly a week until I got home. By the time I returned everything in the freezer was completely defrosted.

I was upset by all this, but thought there was nothing to be done until some friends told me that should be covered under our homeowner’s policy and to call and find out. I did.

The gentleman I spoke with was incredibly friendly and attentive. I explained what had happened and he told me to try to make a list of what was in the freezer so I could value it. He suggested I call some grocery chains to get prices. My husband and I sat down and made up a list as best we could of what was in the freezer. I then called Kroger, a large grocery chain and got prices for everything.

I phoned my USAA agent back and left him a message with the total price of what we figured to be in the freezer. He called me back later that day and said a check would be sent out to us for that amount. That was all! I couldn’t believe how simple it was. I was expecting a hassle and a lot of running around, but the agent took care of everything and really put my mind at ease!

We are absolutely thrilled with USAA and will keep them for as long as we remain attached to the military.

ralwine’s Full Review of USAA Group Home Insurance

I selected USAA insurance when I first rented an apartment. My experience with their auto insurance was great, and their rates were the best I could find. I even went to the Metropolitan kiosk in the mall, and the agent there asked who was currently insured with and said he couldn’t possibly beat their rates.

Not everyone will be eligible – it’s only for those either in the military service or their close relatives. They provide service by phone to most locations, having agents only in areas with a large military population. I have had no problems in that regard – their customer representatives are quality. I’ve called at odd hours to make policy changes, and they are made and applied right then. Oh, did I mention the annual profit-sharing check we get? Our Subscriber Savings Account means we are issued checks when the company’s profits allow. I’ve had only one year in 18 when I didn’t get a check, and that was 1992 (remember Hurricane Andrew and a few other natural disasters?).

When I purchased my first home, naturally I got USAA Homeowner’s insurance. I’ve not been disappointed. I have made two claims, one due to a terrible lightning storm that arose suddenly and we had no time to turn off the electrical equipment we had running. I had no problem getting through, although I was on hold for a while, and it turned out there were calls coming from all our my region due to the same storm.

They replaced the TV/VCR, Bearcat police scanner, and a number of other items that were fried by the lightning. They asked only that we get the estimated replacement prices from our local area. The Bearcat was old, and they bought us a new one. We did pay our deductible, but it was pretty minimal.

Not very long afterward, another storm rolled through and we lost a very old and tall oak tree. Whew – it missed the house! USAA not only covered the tree removal, which was over $800, they waived our deductible because we’d just paid it for the previous claim! We did have to send a picture of the tree to show the damage, but that was it. The check arrived for the tree surgeon before he’d even hauled all the wood away.

I was very surprised at the exceptional service and ease of getting replacements for even old items. Their policies do cover replacement costs, and the items are replaced “in kind,” or by the same brand (not some cheaper version of the same item).

Guess what? They did not raise our rates! I am so very pleased with USAA, both auto and homeowner’s insurance, that I’d recommend them to anyone eligible.

Source: http://www.epinions.com

Website – https://www.nationwide.com
Located – Columbus, OH
Phone – 1-877-ON-YOUR-SIDE
Employees – 36,000
Revenue (bil.) – 21.832
Description - If your dreams of tomorrow have you leisurely traversing America behind the wheel of your new loaded Airstream, Nationwide Life Insurance wants to help you plan for this comfortable lifestyle today. The insurance company provides long-term savings and retirement products including individual annuities, group pension plans, consulting, and other investment products and services. Nationwide Life’s insurance offerings include investment life (both individual variable and corporate-owned), as well as traditional and universal life. Nationwide Life Insurance is the life insurance underwriting subsidiary of Nationwide Financial Services, which is part of the Nationwide Mutual Group of companies.

Source: http://www.hoovers.com

Reviews & Ratings

Anonymous’s Full Review of Nationwide Life Insurance Company

I was recently involved in an accident with a driver who also had coverage with Nationwide. The other driver ran a stoplight and hit me on the passenger side, totaling my car. In no time was I contacted by two Nationwide medical adjusters who called to ask how I was doing and told me that all my medical bills would be covered. I went to my doctor’s office to be checked and then to the hospital for an x-ray of my neck. Nationwide immediately got copies of my bills and reimbursed me almost immediately. They were courteous, caring, and responsive. They also set me up in a rental car that was directly billed to Nationwide. Before the wreck I had thought about changing insurance companies because I thought that Nationwide’s rates were higher but after this experience I plan to keep my coverage with Nationwide.

Robert Y’s Full Review of Nationwide Life Insurance Company

I’ve been with Nationwide Insurance for a couple of years . . . no problems whatsoever. When my windshield got broke because my neighbor’s kid threw a rock; my glass coverage took care of it without issue. Even when I had an accident I wasn’t given any reason to complain . . . three years ago, when I got in a collision with another driver, my car was totaled and I got hurt pretty bad. The accident wasn’t my fault but I was stressing. . . I thought for sure I wasn’t going to get what my car was really worth. The driver at fault had Nationwide and when the company gave me no trouble with the claims payout, I immediately switched. Haven’t regretted the decision ever. Nationwide Insurance is a top-notch company. Low prices, convenient services and nice people to talk too all around. Anyone out there looking for a good car insurance company should go with Nationwide Insurance.

Edward’s Full Review of Nationwide Life Insurance Company

I love Nationwide insurance, it’s the reps that I am not very fond of. I think that as long as you get a hold of the right rep that Nationwide insurance has pretty good rates and services. It seems that every time I call the company I end up having to call back a couple of times – each call gives me a different rep. When I call they all have a different answer to whatever question I have. It’s a hassle to call back three or four times before I get the ball rolling or to get some positive feedback. Don’t get me wrong, I will recommend Nationwide to my friends and family but I will also warn them about some of the inept representatives that I deal with every time I call. My theory is this: if you are going to represent a company, shouldn’t you know what you’re talking about?
Source: http://www.insuranceusa.com

Website – https://www.allstate.com
Located – Northbrook, IL
Phone – 1-800-ALLSTATE
Employees – 38,000
Revenue (bil.) – 36.769
Description – Ya gotta hand it to Allstate. The “good hands” company is the second-largest US personal lines insurer, behind rival State Farm. The company’s Allstate Protection segment sells auto, homeowners, property/casualty, and life insurance products in Canada and the US. Allstate Financial provides life insurance through subsidiaries Allstate Life, American Heritage Life, and Lincoln Benefit Life. It also provides investment products, targeting affluent and middle-income consumers. Allstate Motor Club provides emergency road service, and adding to its repertoire, the company also offers the nationwide online Allstate Bank.

Source: http://www.hoovers.com

Reviews & Ratings

psimon’s Full Review of The Allstate Home Insurance Company

This past Sunday, from about 3AM until way after lunch we had a really nasty storm blow through our area. Torrential rains, gale winds, thunder, the whole works. Lots of fun.

About 9AM, we noticed water dripping from the door frame of our upstairs bathroom. A sort time after that, we noticed the ceiling in the bathroom getting wet. Around 10:30, while having my coffee and reading a soggy newspaper, I had the joy of watching my patio glass table get blown over, and watched it shatter all over our paver deck. I got in the car and drove around the block to look at the back of the house, and noticed shingles missing over where the water was coming in. It was a fun day so far.

We realized the damage was really mounting up. Time to call the insurance company to see if they would cover it. I was expecting to hear that it was an act of God, and ‘too bad’! Boy was I wrong!

Allstate (of NJ) responded within an hour or so. Their claims folks were on the phone with us determining exactly what happened. An hour later, we got a call saying that someone would be out to check on the roof. By 4PM, a roofing company was out to our place. In what was still 20-30 mph winds, someone went up on the roof (2nd story) and made temporary patches to keep things from getting worse. I know I wouldn’t have gone up there then.

By Monday, they were on the phone with us telling us everything that the roofer had found (which was more than I realized), and that they were cutting a check to repair/replace everything! We were amazed. We couldn’t believe that they handled it that fast.

I am VERY impressed with the speed and helpfulness of the claims office. They were right there to help us, and keep things from getting worse. They cut the check in, what we thought, was record time. To us, the service was far better than we ever expected.

We sure are glad we are with the good hands people. I wish other services responded as efficiently and as quickly as Allstate. You can be sure, they have my vote as an excellent Home Insurance company.

An addendum…. The check showed up 3 days after we filed the claim! Sure can’t beat that!

cnzmom’s Full Review of The Allstate Home Insurance Company

I have dealt with a lot of different insurance companies in my lifetime and have come to realize that it isn’t necessarily the insurance company, but your agent that makes or breaks your opinion. My current Allstate agent has gone above and beyond for my family. Last winter here in Atlanta we were having terrible problems with ice on trees and power lines, there were huge outages all over the city and metropolitan areas. Our Allstate agent called us to make sure we were not impacted by the power outage and reminded us of our coverage and how we could take advantage of it. I can honestly say that I slept a lot easier knowing that should we be impacted by the storm we were covered for just about everything. It wasn’t the insurance that impressed me with Allstate, it was my agent.

Profilewriter’s Full Review of The Allstate Home Insurance Company

One day a sheriff appeared at our front door. The very sight of a uniformed officer was shock enough, but when he held out papers he was serving on our young son, we were horrified.

Patrick? He must be mistaken, we exclaimed. Who could be suing our 11 year-old, and why?

Turns out that several years before, Patrick, then a third grader, had been playing touch football in the schoolyard during recess. During the game, one of the children fell down and broke his leg. Time had passed and the boy could remember the name of only one other child who had been playing. Yup, Patrick. Our son was being sued along with the school and the teacher who had been on duty.

The sheriff who served the papers was a kind man. I don’t recall the chain of events exactly, but at some point we invited him in, and, seeing our upset, he told us not to worry. “Contact your homeowners’ company; they’ll take care of everything,” he advised.

We got ahold of our son. Did he recall the accident? Vaguely. Did he know the boy? Yes, a little. Had the boy suffered any long term effects? Did he limp? No limp, Patrick said. No effects that he could see.

We later learned that the boy’s father is a lawyer. Did he see the statue of limitations running, and decide to put in his claim when he could? Did he need money for a new car? Luckily, we never had to be involved in any of those issues, because the sheriff was right. Miraculously, amazingly, our homeowners provider, Allstate, took care of everything.

It turns out that all sorts of actions by children are covered under homeowners insurance. A neighbor told of how her pre-school son decided to cut the screening out of all the porches on the neighborhood, and her homeowners policy covered the damage.

In our case, Allstate sent an employee to our home to talk with Patrick about what had happened. And that was it. At one point, we heard that the school had settled with the injured child, but we never even learned how Allstate had handled our part of the lawsuit.

Allstate made a difficult situation very easy, and did so graciously. That was a benefit of homeowners’ insurance that we never anticipated.

Source: http://www.epinions.com

Website – https://www.CIGNA.com
Located – Philadelphia, PA
Phone – 1-800-828-3485
Employees – 30,300
Revenue (bil.) – 17.6
Description – One of the top US health insurers, CIGNA covers nearly 12 million people with its various medical plans, which include PPO, HMO, point-of-service (POS), indemnity, and consumer-directed products. CIGNA also offers specialty health coverage in the form of dental, vision, pharmacy, and behavioral health plans, and it sells group accident, life, and disability insurance. Its customers include employers, government entities, unions, Medicare recipients, and other individuals in the US and Canada. Internationally, the company sells life, accident, and supplemental health insurance in parts of Asia and the European Union, and it provides health coverage to expatriate employees of multinational companies.

Source: http://www.hoovers.com

Reviews & Ratings

Satogy’s Full Review of CIGNA Life Insurance Company

My mother had had Cigna for a few years, and like most families we just were happy with the doctors that were on the HMO plan, but really had not had to use any of the other features.

In the Fall of 95, I started to get very Ill. I was blacking out ever few feet I walked, I had lost a little over 30 lbs in 2 months and not because I was trying, I was constantly cold, and Then finally a Sharp SEARING pain in my lower back Led me to the hospital.

I was poke and prodded, Operated Twice on, Given 5 Units of Packed Red Blood Cells, and got to get to know every nurse on the ward in my 14 day stay. Due to the Fact that they thought I was going to die I was placed in a Private room, in the ICU ward of the Cancer Floor. Nope, I didnt have cancer I just had a weird thing where my body had stopped producing blood.

I had DR come in and Shake my hand and We never saw them again… until the bills started to arrive. And Boy did they start arriving!

at 19 I was responsible for my Bills (of course my parents were going to help out). On a college Budget, With a Huge Scar down my stomach.. and Orders not to do any work or overstress my self for a year limited my money. The bills were Piling up at the door, And I mean piling up. $8 Tylenol 3 pills, $45 Bedpans, $1000 a DAY room, not to mention the $45,000 surgery (and I had 2!). My bills were Rapidly going over 100,000 and then we saw them pass $200,000. I was shocked I was Just in Shock..

We Called CIGNA to see what our options were, How were we going to handle this!!!!..

A kind Lady answered the phone, answered our Questions, Answered our Prayers. Apparently (I dont know if they still have it) My mother had Paid a little extra into something called a Catastrophe clause , she didnt remember even doing it.

It gave you the ability to Claim one Catastrophe in like 5 years. Well We looked at each other, I asked mY mother if she thought it a good Idea, and she say YES!!!

We owed nothing except for a $50 fee and my After Care. Which totaled about $1000.

That was it. CIGNA With its Excellent Doctors (I had the Best in the State do my surgery, to remove a tumor from my uterus (cause by lack of blood to my reproductive system, my immune system was Doing really ODD things) and saved my Life, my uterus and Gave me the chance to have a healthy boy 2 years later), EXCELLENT Hospital, gave me the chance for Life with out a heavy Medical Bill.

Thank you for everything CIGNA.

dastr8poop’s Full Review of CIGNA Life Insurance Company

Hey kids, it’s me dastr8poop! I bet you thought you’d seen the last of me, I sure thought you had, but it turns out that all it takes is one highly satisfactory customer experience to make me come screaming back to the consumer helpful e-ticket ride that is Epinions.

I’m here today to talk to you about insurance, pacifically CIGNA insurance.

Working as I do in the heath care field, I could tell you all kinds of boring information about CIGNA’s horrible track record and how they reimburse providers at such laughable rates that many doctors and hospitals are canceling their contracts with them. I could go on and on about my own experiences with them as a “recipient” of benefits, and how my account was almost sent to collections because they kept losing my claim. I could go on and on and bore you with all kinds of relevant details, but I choose not to.

Because boring details bore me.

Instead, I’m going to talk to you about one of the things that CIGNA offers as an “extra”. Many insurance companies tout their extras as a way to distract the consumer from the fact that they never pay their claims. Sometime this means bragging about how many doctors are in their “network” or selling you on the fact that the will be no paperwork and you’ll have nothing to worry about if you get sick. CIGNA uses the tried and true 24hr automated health information hotline.

I believe the intent of this service is to provide information about a variety of aliments, and by doing so relieve any fears that the concerned beneficiary might have. Sounds good. I know that there have been times in my life when I’ve been concerned about a rash, or an unusual discharge, or some other kind of rash when a 24hr automated health information hotline would have come in real handy.

The folly, and thus the comedy (because the is always comedy), inherit in this endeavor becomes clear when you take into account the fact that CIGNA has attempted to include every conceivable health concern in their pleasantly voiced-over library.

I would like for you to take a moment out of your busy day and experience for yourself the unnecessary extremes that CIGNA has taken to both waste money and provide their customers with vitally important health care information.

Call the CIGNA 24hr automated health information hotline at:

1-800-564-8982.

To access the health information library, press 2.

When prompted for the 4 digit extension enter: 5228.

Listen. Learn. And above all, be entertained.

Thank you and good night.

veganweb’s Full Review of CIGNA Life Insurance Company

I have Cigna dental insurance and I like it. So far most procedures that I’ve had done have either been at no charge or for a low co-pay. I’ve never had dental insurance before but I seem to have hit the mark with Cigna.

The nice thing about Cigna st-80 is that you don’t have to deal with claims and such. They have a long list of procedures and what you have to pay for them when you go to a participating location, so there’s not a rude surprise when you’re done at the dentist.

Changing dentists couldn’t be easier. I just called them up and they were very friendly and helpful, the entire procedure took just a few minutes.

I really can’t say anything bad about Cigna at this time. The appear to be good solid insurance, at least for Dental insurance.

Source: http://www.epinions.com

Website – https://www.statefarm.com
Located – Bloomington, IL
Phone – 1-888-559-1922
Employees – 68,000
Revenue (mil.) - 61,611
Description - Like an enormous corporation, State Farm is everywhere. The leading US personal lines property/casualty company (by premiums), State Farm Mutual Automobile Insurance Company is the #1 provider of auto insurance. It also is the leading home insurer and offers non-medical health and life insurance through its subsidiary companies. Its products are marketed via some 17,000 agents in the US and Canada. Competition has increased with the fall of barriers between the banking, securities, and insurance industries. State Farm’s efforts to diversify include a federal savings bank charter (State Farm Bank) that offers consumer and business loans through its agents and by phone, mail, and the Internet.

Source: http://www.hoovers.com

Reviews & Ratings

old99will’s Full Review of State Farm Life Insurance Company

I have been an excellent customer of State Farm my whole life. I started with an auto policy, then added a homeowners policy, and finually bought life Insurance.
Why State Farm? Because of their agents! I have moved several times and each new agent I have had has been friendly, helpful, capable, and dependable. They get to be almost like good friends even though I only see them a couple times a year. Sure they are getting paid to be your good friend but isn’t that great that when you really need a friend (like after an accident, or when your house is robbed or when your son dies) that your friendly agent is there to help you settle your insurance claim.

Ok this is about life insurance so I will stick to that subject. My agent set up $50,000 policys for both of my kids when I was getting one for myself. They were young- it only cost $168 per year and when they were older they could cash it in and help with college or buy a car or use it as part of a home downpayment–lots of good reasons for buying life insurance on your kids, right. Well the unspeakable thing happened to my son–he died–leaving a brand new wife, some credit card bills etc..

My agent made sure that his life insurance check got to me two days after I notified him of my sons’ death. He delivered it in person. Now $50,000 isn’t going to ease the grief but it sure helped in settling his estate and gave his widow a small nest egg to help her along. Thanks State Farm.

carolah’s Full Review of State Farm Life Insurance Company

First of all, I have been insured with State Farm auto insurance for many years, and have been very satisfied with their service (and even claims when needed). A number of times, I have received dividend checks back (which is basically a cash rebate for your policy) when their actual expenses were lower than what was projected for the year. They avoid the problem of having “hungry” stockholder’s grabbing for huge profits that keep costs of policies up. My experience with this company is that it has been solid and fair-minded company.

So, when my agent recently contacted me to see if I wanted to participate in an insurance “checkup”. He told me that I could save even more money alongside my multi-car insurance discount if I were to decide on an additional policy such as life or health insurance. Since I have health insurance with my employer, I chose a $50,000 life insurance policy.

After that, I was scheduled for a physical with my physician including blood work that was done through the lab. The company paid for all of this. They didn’t find any health problems at all with the physical other than the fact that I am substantially (100 lbs.) over my ideal weight. So, my policy price rating is higher than a person of more normal weight. With my additional discounts on my two car insurance policies, and the discount on my life insurance policy, I feel that this policy is still a good value. I am replacing a life insurance policy from another company that was lower coverage, and that did not require a physical. I won’t quote the prices that I have paid since circumstances can vary so much from individual to individual, and the area that you live in.

The main reason for purchasing this policy was the higher coverage, and the multiple discounts on the car and life insurance policies that I have with this company. My agent did explain that since my weight was a factor in my rate for life insurance, if I were to decrease in weight that another physical could be scheduled in about a year to determine if a decrease in rate is warranted. (The company would pay for this.) Many insurance companies do rate you higher if you are substantially overweight or if you smoke, etc. So, I do not consider this unusual.

rocket11’s Full Review of State Farm Life Insurance Company
I bought my life insurance from State Farm and would recommend it to anyone. The agents are well trained and know their products inside and out. They have both term and permanent plans and my agent was able to find a perfect match for my needs.

Source: http://www.epinions.com

Website – https://www.aetna.com
Located – Hartford, CT
Phone – 1-800-MY-HEALTH
Employees – 35,258 (2008)
Revenue (bil.) – 27.6
Description – Aetna thinks you ought’a have some life insurance. As the life insurance subsidiary of health care giant Aetna, Aetna Life Insurance Company offers group life and individual life insurance policies throughout North America. Aetna Life Insurance was founded in 1853 as a spinoff of Aetna Insurance Company. After more than 150 years in operation, the company has more than 20,000 group life contracts in force. The parent company’s operations are focused on accident and health insurance, while life insurance accounts for less than 10% of total earned premiums.

Source: http://www.hoovers.com

Reviews & Ratings

momof4’s Full Review of Aetna Life Insurance Company

Costly But Worth It

My family and I never had a problem with Aetna Open Access “High” Option. other then it’s monthly premium. Never had issuses with customer service. In fact on many accounts they came to bat for me when the hospital/Dr. office tried to charge me unnecessary charges when having my baby. The only reason not still going through them is their premium tends to increase by $300.00 a month every couple years.

Lillith’s Full Review of Aetna Life Insurance Company

Worth It?

Yes, Aetna is expensive. If I’m paying over two grand a year on my own health care, I wish they would stop being so hard on what they cover and how much. The postitive things I can say is that one visit to the hospital came to over $7,000 and I only paid $220. The customer service isn’t bad at all. They return calls when they say they’re going to. Is it worth the price? Thats up to you.

Source: http://www.healthinsurancereviewer.com

Website - https://www.usaa.com
Located – San Antonio, TX
Phone - 1-800-531-8722
Employees - 22,000
Revenue (bil.) – $14.418
Description - USAA has a decidedly military bearing. The mutual insurance company serves more than 6 million member customers, primarily military personnel, military retirees, and their families. Its products and services include property/casualty (sold only to military personnel) and life insurance, banking, discount brokerage, and investment management. USAA relies largely on technology and direct marketing to sell its products, reaching clients via the telephone and Internet. The company’s USAA Alliance Services unit provides discount shopping (floral, jewelry, and home and auto safety items), and travel and delivery services to its members.

Source: http://www.hoovers.com

Reviews & Ratings

knotheadusc’s Full Review of USSA Group Life Insurance

Since we just got married, my husband and I thought it would be prudent for us to increase our life insurance coverage. He still needs to get more so that I will be okay if he dies (currently everything will go to his minor kids, thanks to his divorce settlement). I’m not worth a lot of money right now. I owe a lot of money and I’m bringing in pretty much zilch. I also have newly diagnosed mild asthma and depression that I’ve been treating for about five years. We decided to apply for life insurance anyway, and since we already do business with USAA and have liked the service we’ve gotten thus far, we tried them first. They also sent me a letter right before my 31st birthday, reminding me of the importance of life insurance… mmm hmm… Good salesmanship there, USAA.

Anyway, my husband called USAA and they very quickly set up an appointment for me to have a health exam. A visiting nurse came over to my apartment, took my blood pressure three times, weighed me, measured my height, took blood and urine samples, and asked me a WHOLE BUNCH of questions. The exam took about an hour. I had to fast beforehand. Since I have health issues, USAA had to get my health records from my allergist and psychiatrist. I also had to answer more embarrassing questions about my “mental” condition over the phone with a USAA rep– questions, I might add, that I had already answered during the initial medical exam. I haven’t had any real trouble with depression in several years, but USAA wanted to make darn sure since I still take medication. They weren’t nearly as concerned about my asthma, which, truth be told, probably has a better chance of killing me than depression does (although statistically speaking, depression is co-morbid with a bunch of other problems like heart disease… but I don’t have those problems yet!). I asked my psychiatrist if they had contacted him and he said they had… then he said soberly, “They won’t give you life insurance. Insurance companies don’t like to insure people with psychiatric diagnoses.” then he added cheerfully, “But you can always appeal!” My psychiatrist is competent, but he’s a jerk. I thank God I only have to talk to him for ten minutes at a time every three months.

The next hurdle was to send in a financial statement. For me, this was also embarrassing. It basically consisted of questions about my income (none), my savings (minimal), my assets (minimal), and my debts (substantial). There were also questions about my husband’s debts and assets. I got the feeling that this was to have proof that if I suddenly died right after the policy was issued, my husband wouldn’t stand to gain too much from my death (ie; he didn’t have too many debts to pay off and/or I didn’t have too many assets to leave to him so that USAA would suspect murder or suicide). I have nothing and owe a lot, so my assets are pretty much in the negative range. My husband also has pretty much nothing other than a decent income. I sent the form in, but USAA called a couple of weeks later and said they didn’t have it. I also got a letter from them, reminding me to send in the form because the quotes they had given me were time sensitive. I guess the form got lost in the shuffle somehow, because I got a call a couple of weeks ago letting me know that they had approved my application, AND they were even giving me the preferred rate.

They were quick to bill us for the premiums for June and July (they backdated it so I would be charged for my first year as though I were still 30). USAA sent me my medical exam results, which were surprising… my cholesterol was a lot lower than I expected it to be!

My husband can’t take out more coverage with USAA because he’s already maxed out with them. Since he’s an active duty soldier, there’s a limit to how much coverage he can get through USAA. So we’ll have to go to another company to get him more coverage.

I like USAA. I think it’s a good company. I’ve always gotten excellent service from USAA customer service agents and you can’t beat the rates on their insurance products or credit cards. But the process of getting life insurance was a real pain in the butt! I am proud of USAA, though, for covering me despite my psych diagnosis. Isn’t that sad? Insurance carriers really do need to come into the 21st century and realize that a psychiatric diagnosis does not automatically mean suicide risk. It’s sad that I should be pleasantly surprised at getting life insurance, despite my depression and cough variant asthma. I’m glad that the people at USAA realize that I’m only 31 years old and basically very healthy– I don’t plan to die anytime soon and consequently, they’ll probably make plenty of money off of me. I also took great pleasure in telling my shrink that not all insurance carriers refuse people with psych diagnoses!

*Note*– I’m basing my experience with claims on other experiences with USAA. I haven’t died yet, so I have no idea how fast they’ll respond to claims on life insurance.

mtrenck’s Full Review of USSA Group Life Insurance

If you are fortunate enough to be eligible to work with USAA, I highly recommend you take full advantage of all they have to offer. Since my father served in the United States Army, I have been lucky enough to have help auto, renters, and homeowners insurance policies with USAA. When I found out my wife was pregnant 22 weeks ago I started shopping around for life insurance. After reviewing all types of options I selected USAA and I couldn’t be happier with my choice.

Price
Since this is one of the most important factors I’ll start with it first. USAA by far offered me the most competitive rates. I pay approximately $17 each month for a 30 year term life insurance policy worth $350,000. Most other companies I looked into listed similar policies in the upper $20′s and low $30′s.

Application Process
The application consisted of three parts… an online application (which could have also been completed over the phone). A phone interview, and a blood draw and urinalysis.

- Online Application: Took about fifteen minutes to fill out. It helped that I was already a USAA customer and all my personal and demographic information was quickly filled in for me. An online price for all terms and levels of coverage was quickly and readily available during the application process and I knew exactly what I was going to pay while going through the application process. Once I submitted the online application I was immediately approved for “interim life insurance” which would have paid out to my wife in the event that I died before actually completing the application process. Very nice feature with USAA.

- Phone Interview: This was done at my convenience with a 1-800 number. It took approximately 15 minutes to complete. This was a relatively painless process, but it helped that I didn’t have any major medical problems. I completed this interview while at work and was comfortable answering the questions at my place of work. If you do have some medical problems, I would suggest you complete this phone interview in the privacy of your house. In any case, the telephone operator conducting the interview was very professional and non-judgmental throughout the entire process.

- Blood Draw/Urinalysis: This was also completed at my convenience at my own home. I was contacted by their “mobile field technician” (or whatever his official title was) and I setup a date and time to take care of this. He drew my blood and collected his samples in the privacy of my own home. Again, very professional and a relatively nice experience for a usually not so pleasant task.

Communication
This has always been excellent with USAA. Every step of the application process I was kept informed via email as to what to expect and what the next step in the process was.

Policy
Fortunately for me I haven’t had the opportunity to take “full advantage” of my USAA Life Insurance Policy. In the event that the policy does have to be paid out over the next few weeks I’m sure my wife will update this epinion!

Source: http://www.epinions.com

Website - http://www.johnhancock.com
Located – Boston, MA
Phone – 1-800-387-2747
Employees – 22,000
Revenue (bil.) – $34.2
Description - For insurance, all you have to do is sign on the dotted line. John Hancock Financial Services offers insurance, investment products, investment management, and other services. Its insurance products include variable, universal, and term life. John Hancock also provides retirement savings products — annuities, mutual funds, 401(k), and long-term care insurance. One of the US’s largest investors, John Hancock offers institutional asset management services, providing clients with specialty funds in such industries as timber and agriculture. It has about $175 billion under management. John Hancock is owned by Canada’s Manulife.

Source: http://www.hoovers.com

Reviews & Ratings

imfun4lovin’s Full Review of John Hancock Life Insurance

Consider buying this if you are over 50, even if not from Hancock. My experience was good, policy was issued quickly, the few times I’ve needed to call it went smoothly. So far, no reason to be unhappy. Rates competitive, good reputation, and that’s about all I can say, but I guess I must say more as this is requiring more words. Well, I like them and would recommend them. You have to find an agent that sells for them, but I am sure you can find one in your yellow pages. I used USAA, but that’s for another epinion (they rock!)

Bankrott’s Full Review of John Hancock Life Insurance

Since last week, John Hancock Mutual Life Insurance Company insures my life, and already I am not happy. Based on my application for a Term Life Policy through “MarketPlace by John Hancock” (web- or telephone based insurance applications only), here is why:

After searching the Web for a few months, I chose John Hancock Mutual Life as the underwriter for my new Term Life Insurance Policy. Major influences on the decision were competitive pricing combined with the policy features (20-year term, level premium, and convertible to whole life), as well as the financial health of the company. Major insurance rating agencies such as A.M. Best Company, Moody’s Investor Service, Standard & Poor’s Corporation and Duff & Phelps have bestowed their top ratings on John Hancock.

Applying via the MarketPlace website is supposed to guarantee you the lowest rates available. I had a customer service representative confirm this by quoting me the same policy, as if it was received as a telephone application, and the price was about 40% higher (super-preferred rate).

The online application process takes about 15 to 20 minutes and involves 9 different screens. Required input covers personal and financial information, a not too extensive health questionnaire, beneficiary designation, and other information that is used by the underwriter to assign you to an appropriate risk category. At the end of the web interview you receive a quote and are asked to provide billing information. You can choose between an annual or monthly payment (for cash management reasons I prefer to pay monthly, instead of giving them up-front use of my money) and select a payment method such as Credit Card, EFT, or a plain old invoice. Paying by Credit Card will currently reduce your first year premium by 5%.

I completed the web application on 01/26/2000. Within a couple of days I received a phone call from John Hancock and had to go through a phone interview, which lasted about 15 minutes. Some questions appeared to be duplicates of the online application, most of them though covered my medical health in more detail as well as a lot of info about my parents health. Then the interviewing representative scheduled me for a physical exam, to be conducted at our house.

The physical exam was conducted by a third party medical service. The girl was polite, and asked me the same questions that I had already answered through either the phone or the web. I assume that the company is trying to catch fraudulent applications by asking the same questions over, and over again looking for a discrepancy in the answers given. The exam itself was a blood and urine test, and to the best of my memory, my height and weight were jotted down on the paperwork based on my replies. When the young lady left, I thought the application process was over.

A few days later I received another call from a John Hancock representative, asking when I could meet him for an interview. Wait a minute! I already had the web interview, the phone interview, the physical exam and an interview! Well, they just had to ask me a few more medical questions… All right! I agreed to a meeting within a couple of days.

The gentlemen, who visited me, did not work for John Hancock directly as it turned out, but for another third party service hired to compile and verify my medical records. I was asked to provide names and addresses for any doctor I had used within the last ten years. After four kids my memory is practically zero so the process must have been frustratingly slow for the rep. I ended up going through my Quicken file, just to remember what the name of such and such doctor or practice was, but, hey, I got it together…

This was the last interview and it took place during the latter part of February. After that, I did not hear anything else from John Hancock for a month. Then a letter informed me that they were still waiting for information from one of my recent physicians and I could help speed up the process by contacting my physician to send the requested medical records.

I never got to make that call, because on April 20th (three months after the initial application) I received a call from the underwriting department of John Hancock. Finally the good news that I have been approved! But, alas, my weight was outside of the range required for the super-preferred rate, so my premiums would be based on the standard rate! That rate however is $400 per year higher than the rate I was quoted during the web application. Since I was taken by surprise, I asked a few more questions about the weight limitations for the policy premiums. Well, why didn’t anyone tell me that immediately after the physical? (Rhetorical question! It’s bad for premium revenues, I know!) After hearing that on the two-year anniversary of the policy I could request reconsideration of the premium upon providing only a doctor’s note with a height and weight measurement, I agreed to take the policy. I requested that they send a letter confirming that ONLY my weight (both my parents have heart problems, which is really why I expected a higher premium) played a roll in the premium classification, and that the policy would be eligible for reconsideration within two years. The rep agreed to do that.

Within a few minutes though I realized that the lady on the phone had completely ignored to give me the weight limitations for the class in between, the preferred rate. Smelling foul play, I called John Hancock again. A new representative offered me the weight limitations for all three classes: for the super-preferred and the standard rate they were 6 pounds higher than the amounts given to me by the previous rep! He assured me that his amounts were correct (As if I would trust anything coming from a John Hancock rep at this point…). He also offered some unsolicited, but welcomed advice on how to get the premiums reduced, considering that I was only 4 pounds away from the preferred rate, which would represent a $300 savings from the standard rate. Hence the title of this review!

So, what I have to do now, is lose 4 lbs., get a doctor to weigh me and measure my height. Write a letter “selling” myself as low risk (I don’t do drugs, smoke, or drink alcohol) to the underwriter, pointing out that I was not weighed during the physical exam, and fax the whole thing to John Hancock. All of the above within 30 days! I will certainly give it a try and update this review as needed. I will also take my guaranteed-to-be-satisfied 31 days to consider just canceling the policy and to reapply, once I lose my “baby fat”. By then, they will probably find a different reason to jack up the premiums…

Do I recommend John Hancock Mutual Life?

If you qualify for their best rate, I would. During the comparison shopping process, even my Farmer’s Insurance agent told me that I was getting a good deal with the John Hancock premiums. But I am still terribly upset about the fact that their computer quoted me a rate, which John Hancock’s guidelines say, I don’t qualify for. Is it a pure programming oversight, or could this be conceivably called a “bait-and-switch”? I’ll let you know, if I find out!

Source: http://www.epinions.com