Stroke, heart attack, MS, diabetes etc etc. She was over age 55 so her premiums were kind of high (I thought). Their reason is that the hospitalization was for an infection at the injury site. Cancer insurance is like flight trip insurance. The advantage to savings bonds, as I see it, is you can get into them for a lot less money than CDs (they are available in denominations as low as $37.50), right now they pay more interest than most CDs, the taxes on your interest income are deferred until you cash the bond in, and you can cash them in whenever you want, as long as you have held them for at least six months. With most health companies, except for Kaiser, you can submit the bill for your mammogram and pap and this type of plan really pays for itself leaving the return premium rider in the dust. Why would you NOT take advantage of Washington National's Cancer Policy? This was exactly the same principle. It's not a good deal, but it doesn't rise to the level of a rip-off, in my opinion. Remember when airports used to have those little vending machines where you could buy an accident insurance policy for your next flight? Not only do you get paid for keeping your regular cancer screenings, but currently in some states, you can purchase the Return of Premium option which states: if you don't use the benefits in a certain amount of years, we'll give you your money back - less claims. Homeowners and auto insurance are NOT special case insurance policies -- they are blanket policies that cover nearly all perils affecting either the car or the home. I talked to a saleslady from Conseco yesterday. Bankers Life and Casualty: 1-800-621-3724 Colonial Penn Life: 1-877-877-8052 Washington National: 1-800-525-7662 Bankers Conseco Life: 1-800-845-5512 Conseco Life: 1-866-595-2255 My mother in law who has always been pretty healthy (or so we thought), began her policy with Family Heritage in Oct 2010. Ummm no thanks! So all of that was hers.Also, if a person dies within the 25 years, the beneficiary receives the life insurance that goes with the policy. How much does cancer cost? Cancer insurance, like lottery tickets, amounts to a very poor way to spend money. By keeping your regular cancer screenings, you can detect early any cancer that sneaks up on you. At least here you have some control over it. It even paid for a special van for her to be transported in. What sort of denominations? If the plan offers excellent wellness tests and I'm getting my money back, didn't you say the return premium rider gives you your money back less claims?" You need both if you have a family. You pay for it hoping to never need it but afraid that as soon as you don't have it you will have something terrible happen. Give it a try yourself! Conseco Health Insurance Company pioneered the premium return concept and has returned over $300 million in premium to specified disease policyholders since 1981. Here is a link that might be useful: National Cancer Institute. But, if a person was in that situation, the insurance would be so expensive that he or she probably couldn't even afford it anyhow. 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. Loreen Worden| Propensity for cancers and circulatory problems can be indicated by our genes, but obesity, smoking, unprotected sex, etc. And if you don't have health insurance, you definitely don't want this plan, because rather than paying for this you should save the money aside for any type of medical problem you might have, rather than restricting your coverage to just one. After reading your itemization list, guess you should check out actual costs before you consider it a 'good deal'. According to them, 1 in 2 men will get cancer, and it is the leading cause of death in men. These policies have limitations and exclusions. Why can't I sign and/or submit my form electronically? 5Cancer insurance. As of year-end 2016, CNO had roughly $4 billion in revenue and $263 million in operating income. Change the template with unique fillable fields. 1. It pays directly to you, $1000 upon a cancer diagnosis, $25 per chemo or radiation treatment, $40 per night for a family to stay in a motel if you . are peanuts. The high death rate of cancer is reflective of many cancers where the diagnosis is followed by high mortality rate within 1 to 5 years, ie lung cancer, pancreatic cancer. It isn't like you can insure against death. Right now the Series I bonds are paying a little more than the E/EE ones, but the difference isn't much and they are both good investments. Compare TurboTax products. As an agent I liked to sell the "cash back" policies because they were more expensive and thus my commission was larger. For example, women worry tremendously about breast cancer, but heart disease kills ten times as many women as breast cancer. Woman in a caf Istockalypse London, selective focus http://www.lisegagne.com/images/casual.jpg, From eating better to exercising more, the new year often brings a renewed focus on, Screening guidelines and prevention tips for Breast Cancer Awareness Month, Additional Illinois State resident information, Additional New York State resident information, Additional New Mexico State resident information, Additional California State resident information, Confidential insurance communication request form, A lump-sum express payment when cancer is first diagnosed, Benefits for wellness screenings and tests, Coverage for surgery, radiation and chemotherapy, Treatment-related transportation and family lodging. Cincinnati Life: Best for transparency. 19. Municipalities have been known to default. I think the main reason they came out with the Series I is to make bonds more easily comparable to other types of investments, such as CDs, where you pay full face value and then get an increased value later. He went back to school to change fields and is much more stable now. Don't go for it. Open it up with cloud-based editor and begin altering. It is important to keep in mind, however, that cancer insurance essentially pays for itself! With most interest-paying investments, when they pay it to you, you pay taxes on it, and that's that. Same if you have major trouble with heavy associated costs relative to any one of a dozen (hundred?) As you can see, there are numerous benefits to having cancer insurance, even if your policy did not come with a Return Premium Rider Option [http://www.cancerinsuranceinfo.com/return-premium-rider]. They have a cancer policy that is $33.50 per month for a family. Spanish, Localized Heck, if you don't use it you will get all that money back after 20 years. Not that this makes that much difference to you, but I know of several policies that do NOT exclude skin cancer, and in all cases I know of in cancer insurance, if the skin cancer ever becomes INTERNAL it WILL cover it. Another important difference is that with the I bonds, you're limited on how much you can buy per year ($30K per social security number). Join us right now and gain access to the #1 library of online templates. Hiding negative complaints is only a Band-Aid. 1 in 8 women are diagnosed with breast cancer in there lifetime. This report was posted on Ripoff Report on 09/19/2012 09:31 AM and is a permanent record located here: (LONG), Scan home remodel receipts to flash drive or keep originals for IRS. No, better yet dont buy it. Deluxe to maximize tax deductions. It does not matter why you are diabled. Here is a link that might be useful: 10 insurance policies you don't need. There was no confusion. Copyright 1997-2023 Ripoff Report. In a narrow segment of population, age of death 34-54, cancer is the leading cause, however. Yes, typically if you havent had any diagnosis or treatment in the last 10 years, and you dont have any current tests pending for which you have not received results. Etc etc. We use cookies to improve security, personalize the user experience, enhance our marketing activities (including cooperating with our marketing partners) and for other business use. Their people are now telling me that that policy was not taken out until 2006, pushing our date back four years, 2016 for Return of Premium.Unfortunately, we changed banks that year, so we don't have any access to the previous account showing automatic deductions going back to 1989 for the Cancer and 2002 for the Accident Policy.My next step was to get theReps name that visited us in 2009. Dont click on those slick Ads! Statiscally, you are more likely to die of something other than cancer. On the other hand, someone with the diagnosis of diabetes most likely will NOT die of diabetes. Received one years of premiums back and I felt lucky that I received that much. If I pay $25 for a bond and it matures to become worth $50, is that entire profit considered interest or just what it continues to accrue during the next however many years you keep it? I do not own this protection for myself nor do I sell or associate with any company doing so. Second, there is too much chance that the insured actually WILL have a heart attack during the period covered by the insurance, so the companies selling these bad single peril policies do not want to touch it. 8:00 A.M.5:45 P.M. I don't know, for me, it is a psychological advantage because it makes me not want to spend the money. The accrued interest was $50.00, and then there was a $5.00 service charge Total cost: $19,855.00. By Mark Cluett Director of Content 7 min read January 29th, 2023 IN THIS ARTICLE 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. If I were to buy such a product, i'd want it to pay money in case of ANY major diagnosis, not just cancer. Annuity Service Request (Conseco Life Insurance Company of Texas).pdf Annuity Service Request (Washington National).pdf Application for Continuance of Waiver of Premium This form can be used to file a claim for waiver of premium benefits on your disability policy. (Wilton, Connecticut) - Today, Wilton Re completed the acquisition of Conseco Life Insurance Company ("CLIC") from CNO Financial Group ("CNO"). These measure how serious a particular case of cancer is. Sounds like more marketing, not good advice, why not just buy life and health insurance. Gina: True, you have to pay taxes on the interest you earned on Savings Bonds when you cash them in, but you can be careful about when you cash them in and time it so that you, say, cash a little in this year and a little next, and reduce the tax bill for that year. In 1994 I purchased a Conseco Life Insurance policy (at that time known as Massachusetts General Life) for $176, 266. Guess who wins? They have a cancer policy that is $33.50 per month for a family. Conseco Life is part of the Conseco Financial Group a holding company. Consumers Union has called it a "bad insurance deal," and further points out that it can even be counter-productive in that many people buy cancer insurance when they don't have any other health insurance -- not even realizing that what it pays will be basically nothing next to the cost of treating a serious case of cancer. There are many different ways of looking at epidemiology. 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. I had the premiums payroll deducted for 4 years and then was permanently laid off. As far as the track record of a company, again a gamble somewhat. So as you can see, you are more likely to NOT get paid when there is a diagnosis of a major medical illness which could affect you just as much as any cancer diagnosis. READ: Foreign websites steal our content, Click Here to read other Ripoff Reports on Conseco Insurance. Let me say this. Ensures that a website is free of malware attacks. I'm 29, and my wife is 26 years old and we are personally about to benefit greatly from the very insurance that I sell. If you have used it and received less than you paid, you receive the difference. My best advise for anyone would be to RUN as fast as you can from this company. Cancer Insurance With A Return Of Premium Back To You! The thing with cancer insurance is that if you are already paying for it, you might as well use the benefits that it gives you. Does cancer insurance offer a return in premium or cash value? Put this money in a bank or invest it. I appreciate it. Consumers love to do business with someone that can admit mistakes and state how they made improvements. Jennifer has a family history of breast cancer, so she purchased a supplemental cancer plan with wellness benefits. Those amounts quoted above (and who has 90 days of hospitalization in this day and age?) Whats the next time? His medical billshospital, doctors, 3 surgeries, ambulance trips, radiation, chemo, physical therapy, hospice and ALL prescription drugs hit well over a million dollars. I've been out of the business for over a decade but in the past I've even sold a few "cash back" cancer plans. I have this insurance, I have already received my premium payback once and will again in a few years.had it since 1984. Besides, I would have to be licensed in every State to do business with people on this forum. It has great daily benefits,you're premium never increases, and you're guaranteed 100% return of premium, EVEN IF you need to use the policy?? You pay taxes on the 4% interest you're collecting from your I bonds. Most policy service requests take an average of 13 to 15 business days to process upon receipt. Article Source: I know AFLAC has cancer insurance and probably many others. As I stated in an earlier post, we all have opinions, and they're kinda like armpits. Now I have the cancer back. If a bond doesn't get 'called', at the end of the 30 years I'll get all of my initial investment back and will have paid NO taxes on the $30,000 interest I've gotten over the years. Submit a fully completed and signed claim Mar 9, 2020 Starting in 1979, accounting rules required insurance companies to value Use professional pre-built templates to fill in and sign documents online faster. 2. Goodness, where is the cancer located? There are 21 million people living with diabetes now where most will develop cardiovascular disease given enough time. This cancer insurance is a scam. Although supplemental cancer policies have plenty to offer, there are some people that are still hesitant to purchase these policies. There was originally something like a $13,000 up front payment for any type of cancer and is now only $1,000 up front payment, excluding skin cancer. This will make sure you have as extended medical coverage as possible. Suppose you get run over by a truck, die of a heart attack, get bitten badly by a neighbour's dog, get hit by a tree during a tornado, etc., etc. That's not what I'm trying to do. Trina, thanks for all of the additional information. 7206 regarding these products. There are 10 million people living with the diagnosis of cancer where all cancers diagnosis are combined; breast, lung, colon and prostate are the most common. There's a time period before you'll get your premium back. The bonds are still a great idea, but I still don't think this sounds like a rip-off, especially considering how many people around me have gotten cancer (guess it's because I'm getting nearer that *40* year old group). And buy policies that are comprehensive.. Conseco Health offers a variety of health insurance products: Medicare Supplement Cancer Insurance Hospital Insurance Heart/Stroke Insurance Accidental Injury Insurance Contact Conseco at: Conseco, Inc. 11825 N. Pennsylvania Street Carmel, IN 46032 Telephone: (800) 525-7662 Landscape Architects & Landscape Designers, Outdoor Lighting & Audio/Visual Specialists, Opinions on longterm care insurance please. It pays you $300 for the first 30 days of hospitalization and then $600 a day after that. This insurance pays at the time of cancer diagnosis. Folks, everybody dies. Then, choose Claim Form Life from the drop-down menu. Premier investment & rental property taxes. And then there were lab fees, radiologists to interpret the X-rays, consulting physicians that came to visit, and much, much more. They also have something called EasySaver where you automatically have money deducted from your checking or savings account on a certain day each month and buy bonds that way. No, I have not considered them; just don't know about them. Is that right, and we wouldn't have to pay anything then? ", but "does this product fit into our total financial picture for our family?". Policies underwritten by Washington National Insurance Company, home office: Carmel, IN. Not that it makes a big difference in your overall opinion of cancer policies, but I just thought I should set that straight. I see that bond in front of me and I do not want to cash it in. So with this policy you have maybe a couple percent chance of collecting on the basis of a claim, and if you don't you will get your money back without interest -- but you have to wait 25 years for it. or regardless of claims based on the policy selected. His chemo was billed separately at $1,200 a pop three times a week. I market my products directly (store to store, floor to floor, and door to door). example, they pay on skin cancer one time only and it's equal to about a half year's premium. Here is a link that might be useful: Cancer Insurance Information Article. They need medical records. Edited to add on the bonds you should have received $500 plus the accrued interest. If youre ready for more information about supplemental health insurance, let us know. I hate to be rude but I have heard some pretty dumb stuff. Forms, Real Estate Different treatments are used as triggers for increasing the payout. Just as an example, look at the $600 a day *after* 90 days in the hospital. She passed away Oct 27, 2011. All online tax preparation software. Permanent: No term in placed on permanent life insurance policies. Not all listed options, benefits and riders are available on all policies, and some may have additional cost. Conseco Insurance Return Of Premium Dates Changed? However, most small companies do not offer DI. So it's all the more galling when you find out you've purchased insurance that you don't need. Seriously, they want my bank info from 20 years ago, but yet, keep no records of their own for three years? Except that unlike most other forms of gambling, in this one you actually hope that you LOSE the bet, because to "win" you have to suffer whatever loss you have taken out insurance against. Whoops! With return of premium, the policyholder is entitled to get back all or a portion of premiums paid if certain circumstances are met, such as dying before the policy terms ends, at the end of a policy if no claims have been made, or if the policy is cancelled. & Estates, Corporate - Experience a faster way to fill out and sign forms on the web. Access the most extensive library of templates available. Yet another awesome website by Phlox theme. So, they got $2200.00 out of me and I have no chance of a refund. Additional New Mexico State resident information Illinois Mutual: Best user-friendly policy. Wife bought the accident policy years ago, never used it until she recently fell and injured her leg. The leading causes of death in a diabetic is heart disease, stroke or renal failure, not diabetes! If your medical insurance through work is not very good, I would look into getting a supplemental insurance first. Also, if your plan only pays for one wellness test, then having this rider makes sense. Btw. "You are much better off not buying this insurance. What do you think? 46032. Cancer will occur in 1 out of 3 Americans and affects 3 out of 4 families. Washington National Insurance Company is not licensed and does not solicit business in the state of New York. Guarantees that a business meets BBB accreditation standards in the US and Canada. We also have dealt with savings bonds, which by far are a joke! USLegal received the following as compared to 9 other form sites. Here is where people will disagree with me. When you look at financial or insurance product, the question you should ask youself is not "is the product good? There are two reasons for this: First, people are more scared of cancer than heart disease, even though heart disease is a far bigger killer. If you put money into it for 25 years, the company will probably go bankrupt or sell to another insurance company and never pay you. Did you note the first three letters of their name? Now I understand the term "billable hours". That may make purchasing this type of insurance more affordable to you, but if not, you might be thinking: "This sounds great but, A. I still have to pay for it; and B. Technology, Power of You may find the up front amount is the only amount that you receive. That's just me; other people may say that it is too conservative of an investment, but for me I like it. This insurance company is all about screwing you out of your money.". I've had three skin cancers removed from my face. Insurance should cover catastrophic losses that you'd be hard-pressed to cover on your own. For other people cancer is a fight for life that can go on for many years. Corporate Advocacy Program - Verified Status, How To Get Your Report Featured On All Report Pages. ET. Now, if you get cancer, the payout is very small and varies per type of cancer. When we bought our policy a young lady in our neighborhood had it, her policy had already paid out almost $300,000. You are at right place get all, Your email address will not be published. It is not "medical insurance" designed to pay the doctor. For most policies its 25 years. There are 5 sessions per week for a total of 43 sessions and there are special charges for the design of the treatment and the use of a CT scanner that does not belong to the host facility. I would not get this insurance. The policy must remain in force until the end of the ROP/CV period for the benefit to be paid. Here's a breakdown to help make your decision easier on the return premium rider option: 2. Do you think savings bonds are the best way to save a little extra every month? When someone says one in eight women dies of breast cancer, ask IN WHAT AGE GROUPING? Critical illness insurance covers cancer, heart attack, stroke and end-stage renal failure. Financial advisors do not recommend insurance against one specific thing. Everyone's got one or two, and most of them stink. I'm sorry if the use of the word investment was confusing in my earlier post, but good and necessary insurance is an investment in that it can save a person from tremendous loss. subsidiary.) LOL. Is cancer insurance guaranteed for life? Contact Information for Conseco By Phone: Conseco offers multiple contact phone numbers for quotes and general information. It is there for the sole purpose of protecting you and your family in the case of cancer. Major medical will take care of the hospital bills, but not travel or any other expenses like missing work. Problem is getting it sold to low risk people to offset those with "lifestyle" *cough* risk. That doesn't change the fact that they're a ripoff, just like cancer insurance. I sold a ton of both cash and non-cash cancer insurance and claims are being paid against some of those policies. We got a policy for ourselves as well! Short Term Disability Insurance For Self Employed. Cyndi. Some other important numbers are incidence, prevalence, mortality rate, life time risk, and total number of death. Hate to say it, but never have bought one (I'm a CD gal myself). Ron Bendes, senior vice president and national sales director of health insurance products for the Conseco insurance companies, said, The Conseco Solutions Cancer product demonstrates how . Us, Delete Additional California State resident information services, For Small Plus, in the very likely event that you DON'T get sick between now and then, you'll have more than twice as much money when you're done than this policy is going to give you. Your email address will not be published. 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