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 Life insurance & suicide?
I know that they don't have to pay if it's within 2 years of purchase. But I have had one for ten years and my husband is the beneficiary. Would he still get that one if my death was a ...


 To qualify for Health Insurance, I have to work at least 30 hours, but my boss cut my hours. Any help?
...


 Will not having a lienholder on my policy decrease my insurance premium?
...


 Is this true on the Beneficiary?
My husband has his will to his mom and dad to inherit everything but told me recent that I am the beneficiary of his stock certificates .I know he had the stock certficates sent to him in paper form ...


 Can you recommend a good auto insurance that offers great service at a reasonable rate?
I need auto insurance that includes crack window coverage.

I have a 2007 vehicle and my current insurance wants me to pay a $250 deducticle before they will pick up the tab.

W...


 What is a pay period?
well i started a new job on new year 1/02/08and get paid biweekly its been 2-3 weeks already and i sitll havent got paid the manager never told me what day im gone get psid on and never told me my ...


 Can I file a claim against my neighbor's homeowners insurance?
While helping my neighbor hanging Christmas lights on his property, I fell off a ladder while trying to get up on the roof. I sustained a dislocated ankle, and a fracture. I am out of work for 8 ...


 How do I find out if I can get death benifits for my dad who died recently?
How can I get the $255 for my dads death, from social security?...


 Medical bill no SSN?
A month ago I went to emergency in South Carolina. My hands were burned by hot peppers so they applied an anesthetic cream and wrapped my both hands. I spent 30-40mins in there.

I am a ...


 I have some questions in regards to starting up a financial consulting business?
I want to start up a financial consulting business. I have 3 questions.

1) Does anyone know of a broker dealer who will sponser me, along with a ball park estimate of fees I would have to ...


 How do you go to the dr. without insurance? i don't think i qualify for govt. benefits!?
i feel like crying all the time. or i feel extremely emotional. my job pays too much too qualify for benefits but i don't work enough hours to qualiy for insurance. i can't afford ...


 I don't mean to sound stupid hear, but I need some advice on health insurance?
I'm looking to buy some health insurance, but I don't know what everything is. So a few questions, plain english answers please. 1. I know that a deductible is the portion an insurance ...


 Insurance eligibility question?
My 21 year old son will loose his health insurance the first of the year. (he is covered under my employers plan). I can only list him under my family plan if he is a full time student. He dropped ...


 What is Insurance in Brief? Types of Insurances?
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 SUEING 16 YR OLD!!! IM 13!?
okay im 13. the girl im sueing is 16. well she asked me to use my camera. i said yes. its been about 5 months now. when i asked for it back she said she don't know where it is. ive waited and ...


 Will my homeowner's ins policy cover the loss of a $5K diamond from my engagement ring?
...


 What is the best auto insurance company for a teen ager?
18 year ...


 Medical Health Insurance Florida: COBRA Coverage?
When seeking Medical Health Insurance in Florida, how can I compare the cost of my COBRA coverage to individual Family Health Insurance Plans?...


 Courier lost goods and will not pay even thouogh it was insured?
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 How to become an auto insurance agent?

Additional Details
does anyone know anything about online classes for p&c license? btw, i really appreciate all of you spending your quality time to answer my questions!...



Robert
Do these insurance companies exsist or am I gettin setup?
Recently I came across a opportunity from a friend of mine where I get paid (very well) to send messages on myspace for these California based Insurance companies. I would get paid based on how may ppl signed up after I sent them the message. The companies are "One Life World Wide", and "Affordable Professional Insurance Agency"(APIA). They sound professional but so do many scams. I haven't talked to any ppl with the actual company only my friend who has went over it with someone that refereed her and she has read the contract and paid a 16 dollar processing fee. Overall its one of those sounds too good to be true things but if it is true only an idiot would let it go past them. So has anyone else heard of these companies and how can I find if this is real before I get robbed?
                     
 




Mitch
It is a pyramid scheme. A better "opportunity" would be to work for a "real" insurance agent setting up appointments for him. You could be paid an hourly wage plus bonuses for appointments and additional bonuses if any sales are made.


rtfm
OK, so your friend has signed up and paid a $16 "processing fee" for the privilege of ... what, exactly? Getting paid for sending messages on Myspace?

So your friend has become a spammer, the kind that Myspace and other such sites don't allow under their terms of service, and which can get her accounts suspended as fast as she creates them ... and has she made *any* money yet from doing this spamming? I'll bet you anything that she hasn't yet, and probably never will.

And I *guarantee* that these companies will never pay her back anything close to the $16 she paid them. That's the way these companies make their money. They don't make their income from the companies they're spamming for, they make their income from suckers like you and your friend who fall for their promises of easy money.


sarah314
Rating
Ugh...scam.

Any company that is going to charge *you* a processing fee to send spam messages for them is a scam.

Generally, it should raise a huge red flag to you any time you have to pay a fee to take advantage of an "opportunity." There are very few legitimate prospects that charge a fee up front.

P.S. If you want to know if an insurance company is licensed to do business in your state, you can check your state's Department of Insurance website. There should be a searchable function where you can look up any legitimate insurance company.


Arizona Native
Rating
I smell scam all over this one. They are using you for a lead generating system. Insurance Companies, Agents, and Brokers must be licensed to operate in California. If you would like to check their status with the state I would recommend visiting:

http://www.insurance.ca.gov/

There is a feature to check licenses. This is the sure fire way to find out.


skeptical
Scam.


mbrcatz
Rating
You check with your state insurance commissioner, to see if that agency is licensed in your state.

And you can look up companies, with AM Best (but not agencies).

I looked up One Life with AM Best, and they are NOT listed - so they are NOT an insurance "company". But that doesn't mean they aren't an AGENCY.

So, I think it's pretty safe to say that neither is an insurance COMPANY.


hehe
ok so I googled em and well I didnt really look into it u should try but they have some website thingys i agree with the other dude the 16 was for what service any proffesional ins company has a website if there so cool then so do theyy besides as long as they pay u be happy also evaluate the friend like how he knows em.


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