Is cancer insurance guaranteed for life? 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. Heart surgery for 90 YO Mom - good idea or not? The benefit has an additional charge and may pay minus claims . Thanks. Cancer insurance is like flight trip insurance. Change the template with unique fillable fields. 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. Somebody's house will burn down and somebody will get cancer and if insured they will collect. The policy itself has Capitol American , and the customer service lines, answer with Washington General Life Insurance. Some other important numbers are incidence, prevalence, mortality rate, life time risk, and total number of death. (800) 525-7662 Sounds like more marketing, not good advice, why not just buy life and health insurance. Here is a link that might be useful: National Cancer Institute. 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. The money would be better spent on good health insurance. I had the premiums payroll deducted for 4 years and then was permanently laid off. 3. There are many different ways of looking at epidemiology. Also, if she had been paid $3,000 from the company, the life insurance amount would have been reduced by the amount paid out. If the municipality defaults on payments, the insurance company pays off and I still get my money back. I would not get this insurance. All rights reserved. A rip-off. 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?? I deal with some pretty dumb people on a day to day basis. Whats the next time? conseco cancer insurance return of premium. We also have dealt with savings bonds, which by far are a joke! Cancer Insurance With A Return Of Premium Back To You! Please contact us Monday through Friday at (800) 525-7662 between 8:00 A.M. to 5:45 P.M. Guarantees that a business meets BBB accreditation standards in the US and Canada. It sounded good to me. Sure, you need it, but it's not bright and shiny, you can't drive it, and no one is going to admire it. Im insurance poor, I have good health insurance, my wife is a nurse, we dont have cancer in the family, Ill kill myself if I have cancer. (Cancer Insurance with Refund) Since inception, Deerpath has completed over 350 investments, deploying over $3 billion of invested capital across a broad range of industries, investment products and transaction types. 7206 regarding these products. 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. The MD reports "Cause of Death": heart failure. Planning, Wills Dont click on those slick Ads! Deluxe to maximize tax deductions. Bonds, HSAs etc. Term life insurance expires at the end of the term. I don't know how you can say that this insurance is the same thing as a passbook savings account when it pays no interest and the money is completely unavailable to the insured -- unless he or she gets cancer -- until the end of 25 years. If you have decent health insurance, or Medicare, that will pay almost all your health costs. What do you think I would say about this being a good idea? Propensity for cancers and circulatory problems can be indicated by our genes, but obesity, smoking, unprotected sex, etc. "When we cashed in $1,000 worth [of savings bonds], a few days short of maturity, we only received around $400.". Did he rewrite itso the commissions would go to him? As we age, you are more likely to die of cardivascular disease. Actually when you think about insurance, isn't it all sort of a gamble? Conseco Health Insurance Company pioneered the premium return concept and has returned over $300 million in premium to specified disease policyholders since 1981. If you miss a payment in your 25 years, they will cancel your policy and keep most of the money. It is a great plan, that actually pays you for keeping your regularly scheduled appointments for cancer screenings, but some just feel that they do not really need the added expense to their already-overstretched monthly budgets. It is a family policy and my wife and I have had now three instances of cancer. But, even considering your limited definition of the term, that's why I advised in my first post on this topic to put the money in U.S. Savings Bonds -- and then the person would have $24,000 at the end of 25 years instead of $10,000. Obviously there are a lot of specific things this policy will pay out for. Kind of a screwy policy. Btw. 41 Articles, By Not that it makes a big difference in your overall opinion of cancer policies, but I just thought I should set that straight. Internet marketing is a waste of time in my type of sales, so quit making accusations. Right now they pay better rates than CDs. "I still have my policy and am getting ready to see just how good it is or isn't, been diagnosed with basal cell carcinoma. July 1, 2014. 50 0 obj << /Linearized 1 /O 52 /H [ 1503 552 ] /L 252590 /E 132694 /N 10 /T 251472 >> endobj xref 50 54 0000000016 00000 n 0000001428 00000 n 0000002055 00000 n 0000002262 00000 n 0000002534 00000 n 0000003296 00000 n 0000003365 00000 n 0000003414 00000 n 0000003900 00000 n 0000003939 00000 n 0000008197 00000 n 0000008616 00000 n 0000009138 00000 n 0000009206 00000 n 0000009227 00000 n 0000010023 00000 n 0000010044 00000 n 0000010800 00000 n 0000010821 00000 n 0000011577 00000 n 0000011598 00000 n 0000012241 00000 n 0000012262 00000 n 0000012896 00000 n 0000012917 00000 n 0000013634 00000 n 0000013953 00000 n 0000015598 00000 n 0000015880 00000 n 0000016323 00000 n 0000016718 00000 n 0000017341 00000 n 0000017495 00000 n 0000017832 00000 n 0000018626 00000 n 0000018890 00000 n 0000019292 00000 n 0000019735 00000 n 0000020586 00000 n 0000023630 00000 n 0000023651 00000 n 0000024343 00000 n 0000024364 00000 n 0000025247 00000 n 0000032030 00000 n 0000032968 00000 n 0000033046 00000 n 0000033123 00000 n 0000033603 00000 n 0000036811 00000 n 0000038238 00000 n 0000039040 00000 n 0000001503 00000 n 0000002033 00000 n trailer << /Size 104 /Info 49 0 R /Root 51 0 R /Prev 251462 /ID[<1917a9689a06d9b4b5a8362842be970d><1917a9689a06d9b4b5a8362842be970d>] >> startxref 0 %%EOF 51 0 obj << /Type /Catalog /Pages 48 0 R /PageLabels 47 0 R >> endobj 102 0 obj << /S 362 /L 530 /Filter /FlateDecode /Length 103 0 R >> stream And then there were lab fees, radiologists to interpret the X-rays, consulting physicians that came to visit, and much, much more. Cyndi. Those amounts quoted above (and who has 90 days of hospitalization in this day and age?) Application for Continuance of Waiver of Premium.pdf You are at right place, Are you looking for Max Cancer Insurance . https://www.ripoffreport.com/reports/conseco-insurance/carmel-indiana-46082/conseco-insurance-return-of-premium-dates-changed-carmel-indiana-943450. This rider cost money - it's not free. 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. It does however have a place for some people. How long do you have to hold them til maturity? After completing the forms and sending them through my urologist I was informed the claim had already been paid ($440). Washington National Insurance Company is not licensed and does not solicit business in the state of New York. 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. All good things to have but do you think that will cover your family through cancer? I may get into that myself. His medical billshospital, doctors, 3 surgeries, ambulance trips, radiation, chemo, physical therapy, hospice and ALL prescription drugs hit well over a million dollars. No one's had this policy for 25 years, so they haven't had to pay any one back yet. Cancer treatment can be heavy on out-of-pocket expenses and these policies guard against that finacial risk. "Cancer insurance" as I understand it is a medical suppliment policy designed to offset increased living costs associated with a cancer diagnosis. Compare TurboTax products. I just know how my clients have benefited, and that's where I get my experience to comment on the usefulness of these plans. The whole point made in all the posts above was that if a person simply invested the money that was being paid to Conseco for the insurance policy, he or she would have that money for ANY type of emergency which may arise, whether it would be medical in nature or something else. If you save $40 per month for emergencies you can use it for whatever you want. Two (forehead and side of my nose) were squamous cell, and one, near the tear duct on the inner corner of my right eye, was basal cell. I'm simply trying to provide an alternative view to your side. Open it up with cloud-based editor and begin altering. These funds were especially helpful because she had to take sick leave from work without pay. It cannotbe canceled because of your age or state of health. Egads! Some people seem confused as to what you are insuring. This is more likely to happen to you in the next few years than a cancer diagnosis. By excluding it, they're ensuring that a big chunk of the cancer-suffering populace can't collect on their insurance. Handbook, DUI The chance of my home burning down is slim but if it did the cost would be large, by spreading that risk across many people the insurance company can offer me "protection" from the risk. TurboTax Live Basic Full Service. Wilton Re's U.S. operating company, Wilton Reassurance Company, has acquired 100% of the common stock of CLIC, a wholly owned subsidiary of CNO consisting of traditional and . Change your diet, exercise and minimize your risk to cancer.Even if your a compulsive smoker. 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?" It is important to keep in mind, however, that cancer insurance essentially pays for itself! Most of you act like its a gimmick. Conseco Cancer Insurance. 3. Surprised they even paid for the ER visit. Does cancer insurance offer a return in premium or cash value? I'm just providing info. 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. Ensures that a website is free of malware attacks. I talked to a saleslady from Conseco yesterday. They don't pay for infections, only accidents. I would not recommend it to most people. He went back to school to change fields and is much more stable now. His chemo was billed separately at $1,200 a pop three times a week. That means that in essence you'd have a net gain of zero from what this plan paid you. Don't go for it. After 17 years I file a claim, They give me grief!! Do you think savings bonds are the best way to save a little extra every month? Forms, Real Estate The medical insurance paid all of the medical bills. Thanks for you opinion everyone who answered this for me. However, my coverage has changed drastically over the years! Experience a faster way to fill out and sign forms on the web. It may not be copied without the written permission of Ripoff Report. Spanish, Localized or regardless of claims based on the policy selected. I am currently receiving radiation therapy that costs $3385 per session. 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. They die of "heart failure". Lifetime renewability2 Your insurance policy/certificate is guaranteed to be renewable for life. work in an asbestos factory and drink out of styrofoam cups Don't get this policy, they payout is not worth the premiums. *The return of premium (ROP) or cash value (CV) (in MO, "cash return") benefit is subject to state and product availability. Loreen Worden| Put this money in a bank or invest it. Just a reflection of the out-of-control medical costs today I guess. (California a couple of years ago). Guess who wins? There's a time period before you'll get your premium back. What better proof do you need that this is a poor insurance investment? Corporate Advocacy Program - Verified Status, How To Get Your Report Featured On All Report Pages. Conseco Health Insurance Company pioneered the premium return concept and has returned over $300 million in premium to specified disease policyholders since 1981. I market my products directly (store to store, floor to floor, and door to door). My dad spent 18 days in the hospital and the bill was for $128,000 including the X-rays. Change the template with unique fillable fields. work in an asbestos factory and drink out of styrofoam cups Don't get this policy, they payout is not worth the premiums. | Us, Delete All business will get complaints. 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 hospitalized, also pays so much for surgery, anesthesia, nursing, hospice, etc. And I know that $47,000 is not much considering the bills for chemo, hospital stays, icu, doctors, etc; but, if you are lucky -as my mother in law was- you will have very good health insurance that covers all of those bills except for office co-pays after your deductible has been met each year. Theme: Newsup by Themeansar. 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. 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. By Mark Cluett Director of Content 7 min read January 29th, 2023 IN THIS ARTICLE Coyboyind, thanks for good thoughts about buying bonds. Ifyou believe that this page should betaken down, please follow our DMCA take down process, Ensure the security ofyour data and transactions, Conseco Cancer Claim Form - Combined Benefits Group, FL Application For Certificate Of Review Minor Review - City Of Lakeland 2015, Identity No, I have not considered them; just don't know about them. Consumers educating consumers., Complaints Reviews Scams Lawsuits Frauds Reported.. Why Ripoff Report will not release author information! Goodness, where is the cancer located? 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. Have you ever considered Municipal Bonds? Copyright 1997-2023, Ripoff Report. Now I have the cancer back. Early detection is the number one, best way, to survive your cancer; so not getting the tests done that are paid for with your policy is not a benefit to you. If I were to buy such a product, i'd want it to pay money in case of ANY major diagnosis, not just cancer. After reading your itemization list, guess you should check out actual costs before you consider it a 'good deal'. I've explained to them over and over that the infection was due to the trauma she received in the accidental fall. Employee programs Your premiums can be conveniently deducted from your paycheck. I know AFLAC has cancer insurance and probably many others. TurboTax Live tax expert products. You are at right place get all, Your email address will not be published. Carmel, Indiana. Policies underwritten by Washington National Insurance Company, home office: Carmel, IN. Besides, I would have to be licensed in every State to do business with people on this forum. Free Military tax filing discount. Conseco Cancer Insurance Return Of Premium, Family Heritage Cancer Insurance Return Of Premium, Health Inspector Course Details In Malayalam. Cancer can happen to anyone, so having a policy that can pay you back the cost of your premiums with either the return premium rider or in wellness benefits, and you are fortunate enough NOT to get cancer helps make budgeting for cancer insurance premiums more appealing to many. However, if you save the money in U.S. Savings Bonds or some other safe investment, you will have access to your money at any point in the next 25 years when you might need to have it for ANY type of emergency -- sickness or anything else. USLegal has been awarded the TopTenREVIEWS Gold Award 9 years in a row as the most comprehensive and helpful online legal forms services on the market today. And the CDC disagrees with your #1 claim too! Yes, in most states you can pay extra to get return of premium after a specific period of time. The insurance companies bet that it won't. It pays $300 a day for chemo. According to them, 1 in 2 men will get cancer, and it is the leading cause of death in men. I would invite any one who does not believe me on this issue to consider that one state (New Jersey) does not even currently allow this type of insurance to be sold, and Massachusetts restricts it so severely that it is essentially outlawed. I didn't need reconstructive surgery after any of the three. These measure how serious a particular case of cancer is. However, most small companies do not offer DI. These one-in-so-many stats don't take into account that everybody's heart stops beating at death. Fill the empty areas; engaged parties names, places of residence and phone numbers etc. Here is a link that might be useful: 10 insurance policies you don't need. other types of illness. A good rule of thumb is to purchase insurance only from an insurance provider. Etc etc. Follow the simple instructions below: Choosing a legal expert, creating an appointment and coming to the business office for a personal conference makes finishing a Conseco Cancer Claim Form - Combined Benefits Group, Inc from start to finish exhausting. Ron Bendes, senior vice president and national sales director of health insurance products for the Conseco insurance companies, said, "The Conseco Solutions Cancer . If you have the money in some type of investment account and can transfer it into your checking account with a phone call, it's easy to spend it. 11825 N. Pennsylvania Street Also if you paid them 10K over 25 years and got 4K back in annual PSA tests and claims, then when 25 years is up, they only pay you the remainder, 6k.You are much better off not buying this insurance. For most policies it's 25 years. 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. If you have a plan like Kaiser that don't give the cost of their wellness tests, then with certain plans you can't maximize the wellness benefits - therefore you might feel better about having this option. Attorney, Terms of It is in no way comparable to fire or car insurance, and even to discuss cancer insurance in the same sentence as auto and homeowners insurance is to grossly mislead people. It isn't like you can insure against death. I get them AAA/Insured & get 5% or better tax free, which is a *whole lot* better than paying interest on 3% of anything. Here is a link that might be useful: ACS: What is Cancer? 1 in 8 women are diagnosed with breast cancer in there lifetime. 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. Celebrity Skin Cream wrinkle cream rip-off advertisements US Based and Foreign companies bilked consumers out of Hundreds of Millions of dollars over the past 7 years. Consumers love to do business with someone that can admit mistakes and state how they made improvements. As someone said earlier, you bet that that specific difficulty will befall you. Conseco Health Insurance Company pioneered the premium return concept and has returned over $300 million in premium to specified disease policyholders since 1981. I've had three skin cancers removed from my face. And that doesn't even count all the special insurance you would need for car accidents, car theft, damage to car due to storms, damage to home due to earthquake, damage to home due to fire, etc. Who's crazy enough to start this website? Estimated amount consumers saved since 1997: $15,590,010,907. For example, if you have the policy for 25 years and you have the return of premium coverage, you will get all of that back at the end of the 25th year. 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. Conseco Insurance Return Of Premium Dates Changed? This insurance company is all about screwing you out of your money.". Nearly 65% of the total cost of cancer is nonmedical in nature and, consequently, may not be paid by major medical insurance.1 1American Cancer Society, "Cancer: Basic Facts,"Cancer Facts and Figures 2005; American Cancer Society, pp. Stick that in your pipe and smoke it. conseco cancer insurance return of premiumclunking noise over bumps rear ford fiesta. For example, if you have the policy for 25 years and you have the return of premium coverage, you will get all of that back at the end of the 25th year. However, as in the case of my mother in law, since they paid her well more than the life insurance, her beneficiary did not receive the life insurance. The policy must remain in force until the end of the ROP/CV period for the benefit to be paid. She passed away Oct 27, 2011. There are 21 million people living with diabetes now where most will develop cardiovascular disease given enough time. 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. Rapid City South Dakota, Conseco Insurance screwing their customers taking steps to assure profitability of medical business rip-off to consumers, Paradise Property Management Ventura Illegal eviction my account being hacked, PPM will not investigate how it happened Ventura California, Kei Kullberg Quintessential Mortgage Group bait and switch you into promising you a low-rate Mortgage Scammer White Plains New York, TAHINI GODDESS Sally schimko Sexyveggies Tahini Goddess inulin Goddess Prebiotic white labeling of non-licensed food supplement. AFLAC paid my other bills:groceries,water,utilities, house payment. The problem with this policy is not that people are "paying for others' bad habits," but instead that the policy is written to pay out very little to anyone, regardless of lifestyle. The price at the time was 99.00, so I had to put up $19,800 for the cost. Yeah, the retirement plan is great, and you should keep that up, but since you can't really get into that until retirement, the Savings Bonds can be your "rainy day" savings that you have in case of some emergency, maybe at retirement, or maybe sooner. 1 out of every 4 deaths are from cancer. Savings Bonds are paying over 4 percent now, and you don't pay interest on them -- the interest is paid to you. 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. Fields and is much more stable now and then was permanently laid off the forms and sending through. Without the written permission of Ripoff Report for itself like you can pay extra to get premium... More stable now a payment in your 25 years serious a particular case cancer... 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On good health insurance Company is not worth the premiums payroll deducted for years! $ 128,000 including the X-rays insurance Company pioneered the premium return concept and has returned over 300! The written permission of Ripoff Report premium after a specific period of time Capitol American, and number! 90 days of hospitalization in this day and age? of every 4 deaths from!