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 | |  | | E-book Category: Finance
E-book Title: Power To Profit
Book Description: One day you will file a claim. On that day, your insurance company will conspire to keep your money.
The multi - million dollar advertising campaigns are created to convince the public that insurance companies are caring and protective of their customers. Nothing could be further from the truth.
I understand their tactics and their motivations well. I spent twelve years as an Insurance SIU Investigator. Twelve years in the trenches. Twelve years learning what your insurance company will do to you to avoid payment of your insurance claim.
When I began my insurance career, I figured I had seen it all. I had been a police officer for ten years in Miami. I knew the drill, or so I thought. Insurance fraud investigation seemed a natural fit. You know, punish the bad guys, and protect the good guys. What I did not know was that I was about to embark on a long journey into the corrupt world of insurance.
I would soon discover that while on the streets it was pretty obvious who the bad guys were. In the world of insurance, the bad guys weren't on the streets - they were in the board room.
If you doubt this, consider the motive.
Insurance companies vastly improve their bottom line profits by reducing and manipulating claims payments. When you file a claim, you are asking the insurance company to take money from its profits and return it to you as a liability. The company does not want to do this! What they do want is to continue to use - or float - your premium money to make more money for the company. The more free premium money a company has to "float", the more investment income it can produce. The greater the claims savings, the greater the "float". Eventually some of the premiums must be used to pay claims and operating expenses. But the longer the insurance company can hold onto your money, the more money it can make for itself.
If you have an insurance policy, you need this information!
Even if you have never filed a claim, some day you will. You need to bargain from a position of strength, not weakness. And, in order to do that, you must beat the insurance company at its own game. You must recognize their tactics and you must know how to respond to your own advantage.
Make no mistake, insurance companies engage in multiple shady practices every day to delay, deny, or low-ball your claim. In fact, insurance companies prefer outright claims denials. Left unchecked, a claims denial is by far the most profitable approach to any claim. And, the smaller your claim, the more likely they are to search for reasons to deny it. Why?
Because they think you will give up.
Suppose you have filed a claim? Do you believe you were treated fairly? Were you satisfied with the settlement amount? Yes? Consider yourself exceedingly fortunate. But then again, maybe you weren't as fortunate as you assume. Did you participate in the settlement negotiation, or were you presented with an unquestioned value? Maybe your insurance company simply took advantage of the trust you placed in them. Maybe your settlement wasn't fair at all.
Your settlement is not designed to be fair. Reduced claims payments are astoundingly profitable. Especially in an environment where, more often than not, insurance customers don't even recognize what is going on!
Claim settlements are undervalued by design. You are expected to accept the legitimacy of a first offer based on your trust for your insurance company.
So if you do accept that first offer, understand that you have been offered the lowest value in the adjuster's range. The adjuster's entire range is routinely set below the actual value of your claim.
Don't think you can simply negotiate with an adjuster in order to achieve a fair settlement. I'll take you light years beyond that losing proposition.
- Insurance companies take advantage of their customers when they are most vulnerable.
- Insurance companies use intimidation tactics to bully their customers into unfair settlements.
- Insurance companies routinely engage in unfair claims practices because they get away with it.
What do you know about: - Independent Medical Examinations?
- Examinations Under Oath?
- Clandestine surveillance?
- Aftermarket parts?
- Special Investigation Units?
- Discriminatory underwriting schemes?
- Policy misrepresentation?
- Credit scoring?
Unless you fully understand the implications of these and countless other claims avoidance tactics, you must take advantage of my insider knowledge.
You must refuse to be intimidated.
You must not allow the insurance company to unfairly manipulate your claim.
You must deal from a position of strength.
Insurance companies believe they can use theirMore... | |
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