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. https://www.ripoffreport.com/reports/conseco-insurance/carmel-indiana-46082/conseco-insurance-return-of-premium-dates-changed-carmel-indiana-943450, Conseco Insurance Company Conseco is not paying the long term insurance benefit they promised to a 92 year old woman (in a nursing home) when she purchased the policy in 1987. The policy must remain in force until the end of the ROP/CV period for the benefit to be paid. Who is ED Magedson - Founder, Ripoff Report. You are at right place get all, Your email address will not be published. I think you're absolutely wrong, and you think I'm absolutely wrong. All business will get complaints. 8:00 A.M.5:45 P.M. So if you pay on it 5 years, don't use it, then pass away, the beneficiary gets the life insurance. Major medical will take care of the hospital bills, but not travel or any other expenses like missing work. When someone says one in eight women dies of breast cancer, ask IN WHAT AGE GROUPING? 3. In general, I don't like "cash back" insurance. Consumers love to do business with someone that can admit mistakes and state how they made improvements. It's important to look at age groupings. Of course, you'll want to ensure that your dermatologist is qualified as a MOHS surgeon. 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. Most plans cover bills from the date of your initial diagnosis of cancer but not all have options like intensive care unit coverage for any accident and/or illness - check with your agent to see if this low cost option is available. We also have dealt with savings bonds, which by far are a joke! I deal with facts, as does DH, who is a oncology physicist. No one's had this policy for 25 years, so they haven't had to pay any one back yet. Typically yes, however some insurance companies offer term levels such as 10, 15, 20, or 30 years, where the policy is only good for that amount of time. In 2009, an agent came to our home and paid us for this policy. Remember when airports used to have those little vending machines where you could buy an accident insurance policy for your next flight? "Calling it" this particular bond is 'callable' in 10/01/2011 @100.00, which means that they have the option to re-finance the municipal project in 2011 and can pay me back 100% (which means that since I bought at a lower price, I get back $20,000), PLUS, I've already had all of that tax free interest for the nine years. Insurance is to cover risk and savings are to provide money later in life. The posting time indicated is Arizona local time. There are three types of skin cancers - basal cell, squamous cell, and melanoma. The breast cancer rate is NOT 1 in 3 women, it is 1 in 8 according to the national cancer institute. The accrued interest was $50.00, and then there was a $5.00 service charge Total cost: $19,855.00. Highest customer reviews on one of the most highly-trusted product review platforms. Indoor & Outdoor SMD Screens, LED Displays, Digital Signage & Video Wall Solutions in Pakistan 3. example, they pay on skin cancer one time only and it's equal to about a half year's premium. You are at, Are you looking for Conseco Cancer Insurance Phone Number . Conseco Life is part of the Conseco Financial Group a holding company. Of course, I had to quit paying the premiums. 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. This is a 'cancer only' policy, right? (LONG), Scan home remodel receipts to flash drive or keep originals for IRS. You can buy all the Munis you can afford. ET if you have any questions or concerns. 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. Where do you get thembank? There's a time period before you'll get your premium back. The money you invested you Dave Ramsey morons. 1 out of 2 men will get prostate cancer, 1 out of 3 women will get breast cancer. For costs and complete details of coverage, contact an agent. Conseco Insurance Return Of Premium Dates Changed? Handbook, DUI A physician (other than surgeon) gets $90 - $125 per hospital visit ten minutes with you and then off to his next patient. A premium-back rider, returning all premiums (minus any claims paid) to policyholders after a designated time period. Personally, I would not get it. Application for Continuance of Waiver of Premium.pdf 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. Most of you act like its a gimmick. This cancer insurance is a scam. Additional New Mexico State resident information That's exactly what insurance is -- a gamble in which the insurance company bets you won't need to collect, and you bet that you will. I would not get this insurance. This is correct, if your getting practically all your money back with wellness benefits then this rider doesn't look so appealing any more and this is why some plans, like the Allstate California plan, will give you a total of 3 annual wellness tests for women and 1 for men - plus they'll pay the cost of the test (max $200)! Corporate Advocacy Business Remediation and Customer Satisfaction Program. Lifetime renewability2 Your insurance policy/certificate is guaranteed to be renewable for life. Over the past four years, CNO has had a total shareholder return of more than 115% - which makes it incredibly strong financially. Free Edition tax filing. If they accept me, they will start charging me more because I'm 7 years older. Company website run by crooks outside USA pretending to be in USA to get USA money taking your hard-earned dollars funneling it to the country of Peru, Better Business Bureau of South Florida BBB of South Florida Andre Amaro and the BBB of South Florida are harassing me and my small business! After several months without a paycheck, even with weekly unemployment monies coming in, just meeting my living expenses was tough enough. Important for me to be Highest Rated =AAA AND Insured. This is where a supplemental cancer policy can help to offset some of the cost difference. This report was posted on Ripoff Report on 09/19/2012 09:31 AM and is a permanent record located here: Annual premiums range from $200 to $3,000. Received one years of premiums back and I felt lucky that I received that much. If you're like most people, you don't relish spending money on insurance. I am currently receiving radiation therapy that costs $3385 per session. insurance you have. Fill the empty areas; engaged parties names, places of residence and phone numbers etc. Why can they not look that info up and give it to me?The original company , welcomed into my home , was Conseco Insurance. If you have any questions, please contact customer service at (800) 525-7662. Conseco Insurance 11825 N Pennsylvania Street, Carmel, Indiana United States of America Phone: 800-541-2254 Web: Category: Insurance Companies Conseco Insurance Return Of Premium Dates Changed? At least here you have some control over it. 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. Here is a link that might be useful: ACS: What is Cancer? Level premium Your premium does not increase when you leave your payroll group. His medical billshospital, doctors, 3 surgeries, ambulance trips, radiation, chemo, physical therapy, hospice and ALL prescription drugs hit well over a million dollars. File your review. services, For Small Why can't I sign and/or submit my form electronically? These measure how serious a particular case of cancer is. |, CONSECO, CONSECO INSURANCE, CONSECO INCORPORATED. Now I have the cancer back. Propensity for cancers and circulatory problems can be indicated by our genes, but obesity, smoking, unprotected sex, etc. If a person wanted to use this amount $25-50 per month, would you suggest savings bonds, CD's, etc? Us, Delete Municipalities have been known to default. It takes more money to get into than regular savings bonds, but I know once I got the bug, I was finding all kinds of ways to get money to buy bonds. Nope, according to them, 2009 is too long ago. By Mark Cluett Director of Content 7 min read January 29th, 2023 IN THIS ARTICLE However, you said in your previous post that you will be 63 in 25 years, so you are 38. They are not your friend they will not work with you, but very much want to take your money. Additional California State resident information 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. (Wilton, Connecticut) - Today, Wilton Re completed the acquisition of Conseco Life Insurance Company ("CLIC") from CNO Financial Group ("CNO"). 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. Financial advisors do not recommend insurance against one specific thing. 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. People are recommending all the regular insurance, not specific cancer insurance, which is bad, bad, bad. 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