Abuses in the sale of health insurance to the elderly: hearing before the Select Committee on Aging, House of Representatives, Ninety-fifth Congress, second session, November 28, 1978U.S. Government Printing Office, 1979 - 366 lappuses |
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abuses accident ance application asked Association bill Bill Gunter block of business Blue Cross cancer expense cancer insurance cancer policy cash CERTIFIED LIFE INSURANCE Chairman claims CLARA CLARA CLAUDE PEPPER COHEN Colonial Penn commission Committee on Aging complaints consumer costs covered Date Premium Department of Insurance effective date elderly Family cancer Federal Federal Trade Commission health insurance policies hearing Holloman hospital confinement ILIC Illinois income policy Indemnity insurance agents insurance commissioners insurance companies Insurance Department insurance industry Intercontinental Life Insurance investigation issued Jersey Lapse lapse rates loss ratio Medicare supplement policies medigap National nursing home percent period person policies sold policyholder premium rates Premium Refunded Amt problems purchase questions regulation renewable represent reserve salesmen Select Committee sell senior citizens Sherman Oaks Skilled Nursing staff Star-Ledger statement tactics tion told U.S. CAPITOL POLICE underwriting
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263. lappuse - Read Your Policy Carefully — This outline of coverage provides a very brief description of the important features of your policy. This is not the insurance contract and only the actual policy provisions will control The policy itself sets forth in detail the rights and obligations of both you and your insurance company. It is. therefore, important that you READ YOUR POLICY CAREFULLY!
264. lappuse - OF AGE: If the age of the insured has been misstated, all amounts payable under this policy shall be such as the premium paid would have purchased at the correct age.
133. lappuse - On the basis of his study of the world's great civilizations, the historian Toynbee concluded that a society's quality and durability can best be measured "by the respect and care given its elderly citizens.
336. lappuse - American Association of Retired Persons 1909 K Street, NW, Washington, DC 20049 (202) 872-4700 Louise D.
222. lappuse - Some policies will restore the lifetime maximum according to a specified schedule during periods when you are not drawing benefits. Entrance Age: The age up to which the company will sell you a policy. Entrance ages vary considerably from company to company and some policies can be bought at any age. Guaranteed Renewable: The company agrees to continue insuring you up to a certain age as long as you pay the premium; and it cannot raise your premium unless it raises premiums for a particular class,...
1. lappuse - COMMITTEE ON AGRICULTURE, Washington, DC. The subcommittee met, pursuant to notice, at 10 am, in room 1302, Longworth House Office Building, Hon.
50. lappuse - ... insurance, or any application, rider or endorsement to be used in connection therewith (1) if the benefits provided therein are unreasonable in relation to the premium charged, or (2) if it contains provisions which encourage misrepresentation or are unjust, unfair, unequitable, misleading, deceptive, contrary to law or to the public policy of this state, or in the case of any such policy or certificate form pertaining to life insurance, or any application, rider or endorsement to be used in...
92. lappuse - I would like to submit this letter for the record. The CHAIRMAN. Without objection, it will be incorporated at this point.
132. lappuse - The fence post policies* - the agent completes applications in the name of relatives or others, unknown to the victims. This is done to bypass underwriting rules when it is know the victims already have the maximum coverage in effect with a company. - . 20. "Make the check out to me* - the agent asks that the client make the cheek out to him.
97. lappuse - I want to express my appreciation to you and to the distinguished members of this committee for providing me with the opportunity to testify on the vital issue of impoundment of appropriated funds. Lately, the press has been playing up what they call the "crisis in the Congress.