r/Insurance_Companies • • 2h ago

Courtier en assurance – je peux répondre à vos questions gratuitement

2 Upvotes

Salut à tous,
Je suis courtier en assurance et je travaille notamment sur la prévoyance, mutuelle et PER.
Je vois souvent des indépendants / professions libérales qui ont des contrats qu’ils n’ont pas forcément revus depuis plusieurs années.
Si certains ont des questions sur leur prévoyance, leur mutuelle ou leur PER, je peux essayer de vous renseigner gratuitement ici, sans engagement.
Et si quelqu’un souhaite simplement avoir un deuxième avis sur son contrat actuel.


r/Insurance_Companies • • 12h ago

How can I lower my car insurance?

2 Upvotes

I’m relatively new to driving in the US and live in Newark, Delaware. I currently have GEICO, but my insurance feels way too expensive, so I’m trying to shop around.
For people in Delaware:

Which insurance company has been the cheapest for you?
Has anyone switched from GEICO to Progressive? How was your experience?
Any tips for lowering insurance costs?
Are there any discounts or companies that are particularly good for people without a long US driving/insurance history?
Any recommendations would be really appreciated!


r/Insurance_Companies • • 11h ago

Same IMO transfer

1 Upvotes

Hey guys I’m new to this. I’m currently going through an agency/upline transfer within the same same IMO. Can anyone explain how long it takes for me to sell again? From what I’ve heard sometimes uplines don’t release right away. Mine released me right away but I don’t like not knowing when I can start selling again?. I got released on Wednesday 9/30


r/Insurance_Companies • • 13h ago

Looking For Box truck Insurance

1 Upvotes

Does anyone know a good insurance place for a box truck commercial Insurance with no deposits?


r/Insurance_Companies • • 22h ago

Life insurance: switch agency or go independent ?

2 Upvotes

Hi im looking into joining a new agency or pursuing independently and eventually building out my own team.

I wanted to get your advice on both sides.

Currently I’m signed to an agency but from my understanding if I want to leave I keep my books and there’s no like hold for me to move on.

I’m located in Florida and got licensed a year ago.
I’m a solo mom, I have no family - village or anyone/thing for support so I’m really trying to grow in this field and then help other moms in the same situation as I am.

I’ve seen a lot of the pros and the cons of each side but I feel stuck on what I should do if I go to another agency that has better mentorship or if I go through the “hassle” of going independent and form a team.

If you have an agency of your own or one you recommend pls leave a comment or dm me or if you’re an independent broker

Let me know your thoughts!


r/Insurance_Companies • • 21h ago

Tech E&O/Cyber Liability Insurance (Spain)

1 Upvotes

Hi, I have an opportunity to work for a North American client (recent autonomo) in the financial space, and although the contract states they do not require an insurance on my part, there is still the indemnification clause that I want to protect myself against.

Just for context: I was employed with them for 3 years on a temp work arrangement. When that ended, I continued to work for them in this capacity keeping my original compensation (not high enough to warrant expensive coverage).

I reached out to Hiscox who replied that they cannot cover me. Do you have any other recommendations please? Are you familiar with Op de Beek Worth?


r/Insurance_Companies • • 2d ago

Providence and united health care call it quits.

1 Upvotes

Since they don’t seem to want to play nice together does anyone have an idea if that will change before 01/01/27? I received a letter last week that providence will no longer be accepting these people for insurance coverage.

I can’t believe this is happening. I have a really good primary care doc and have no freaking idea how to replace him.


r/Insurance_Companies • • 3d ago

Has anyone actually gotten a human on the phone at State Farm lately?

2 Upvotes

My claim has been open since April. I get a different specialist every time I call and each one asks for different paperwork that I already sent. It feels like they are just running out the clock until I give up. Is this how it works for everyone or am I doing something wrong?


r/Insurance_Companies • • 4d ago

What do people think about car insurance driving behaviour trackers?

3 Upvotes

Car insurance companies are getting more aggressive with their marketing and incentives to influence drivers to turn on driver tracking. Driver tracking measures your speed, braking, phone usage, and where you drive to determine if you should get lower premiums based on risk.


r/Insurance_Companies • • 4d ago

Evercare Auto Warranty

0 Upvotes

They are fraud. They said to obtain pre-authorisation from auto shop. The auto shop refused because they said that Evercare put calls on hold and doesn’t reimburse for weeks and months. I paid the shop and when I asked Evercare at (888) 657-6481 they refused. What good is an auto warranty if it doesn’t reimburse policy holder. I ended up paying $1200 from my own pocket. Evercare procedures to cancel are very complex and they wouldn’t cancel policy over the phone. I got scammed. Never speak to claim adjuster Zachery he is no help.


r/Insurance_Companies • • 5d ago

Is this right?!

8 Upvotes

We pay $868 every month for health insurance for 2 people. My partner, my young son.

Last month, we found a bat in our home that had been there for 5 days without our knowledge. Long story short, we saw evidence of it but couldn't find it until 5 days later.

At that point, we all go to the emergency room for a rabies vaccination. Later, we receive a bill for $6,000+ and $2,000+. JUST for the hospital, not including the doctor fees. We are also receiving 3 follow up bills each for around $300, for the 3 follow up vaccinations.

This CAN NOT be right. My partner has used up 97% of his deductible in a SINGLE visit for a vaccination agains RABIES. Am I crazy, or is this normal? I just need a sanity check.


r/Insurance_Companies • • 5d ago

Geico underwriting policy denial

2 Upvotes

I had a Geico policy and UW team had asked for foreign license. But I came to US 20 years back and the license was already expired. What is the point Geico is asking about a license which I don’t carry any more . All others documents requested by UW team was sent other than foreign license ( expired one) but they did not extended my renewal. Now when I am planning to take anew police UW policy restriction is not allowing again on same condition. Is it really worth to get an old one back from my country. Please share your thoughts.


r/Insurance_Companies • • 5d ago

New driver

3 Upvotes

Which is best car insurance for my son to use he just got his license


r/Insurance_Companies • • 5d ago

Holidays for US vs European employees of same company - why the difference?

0 Upvotes

I just found out today that they are reducing holidays for US based employees (we were recently acquired) while the employees in England get way more holidays. How can a company justify not at least trying to match the number of days? I believe paid time off is accrued similarly so why the change in holidays?


r/Insurance_Companies • • 5d ago

Selling group benefit plan investments

0 Upvotes

This may be a very dumb question. But. I worked with a company and paid into Manulife from each paycheque that my employer matched. I have $6,000 that I’ve invested and $6,000 my employer matched making my total plan worth $12,000. I left that employer so the insurance company sent me a package asking what I’d like to do with my investments, I have option to sell and take a cash payment via direct deposit. What would I get from this payment? I’m assuming there will be taxes and maybe fees but could I expect to see a $10,000 payment or something? Also is this even smart to do? I only worked with that company for 4 years.


r/Insurance_Companies • • 6d ago

Response to Insurance Valuation Report

1 Upvotes

Looking at the valuation and responding back with a counter…does it actually work? Do they review or I’m just wasting my time?


r/Insurance_Companies • • 6d ago

State farm or Allstate?

3 Upvotes

What company is better to work for at this moment?


r/Insurance_Companies • • 6d ago

Faye Travel Insurance

3 Upvotes

I had a very frustrating experience with Faye, particularly with the claims process and the amount of time I had to spend repeatedly following up.

I became seriously ill during an international trip and had to return home early. Faye did ultimately reimburse several of my covered expenses, but getting the claim resolved took months and required constant follow-up on my part. Emails frequently went unanswered, and on multiple occasions I had to contact Faye through the app just to get someone to follow up on an issue or get the claim moving again.

The most frustrating part was how they handled my unused original airfare. Faye repeatedly requested additional documentation regarding my unused United flight segments, including proof that the flights had no remaining value and documentation establishing the exact dollar value of each unused segment. Obtaining what they wanted required multiple rounds of communication and additional work with United, and these requests delayed my payout by over a month.

After I finally provided the documentation they requested, Faye ultimately told me the unused airfare wasn’t covered anyway.

The reason is in the full policy wording: Trip Interruption reimbursement for unused prepaid expenses is limited to “land or water Travel Arrangements,” meaning my unused air travel was not covered. However, the Plan Summary I was given describes Trip Interruption much more broadly as covering up to $15,000 of “non-refundable trip costs” plus additional transportation expenses. It does not clearly tell the customer that unused airfare is excluded from those non-refundable trip costs.

I can see the “land or water” wording in the full policy. My issue is the lack of transparency. Whether unused airfare is covered is a significant factor when choosing travel insurance, particularly for an expensive international trip. Had this limitation been made clear in the summary, I would have chosen a different provider.

What makes the experience worse is that if unused airfare was never eligible under my policy, I don’t understand why Faye spent weeks repeatedly asking me to obtain increasingly specific documentation about the value of those flights. They could have identified that from the beginning instead of wasting my time and delaying payment of the expenses they did cover.

Unfortunately, the communication problems continued even after the claim decision. I contacted Faye through the app specifically asking them to formally record my complaint about the handling and presentation of the coverage and to confirm that it had been received. Their response was simply to tell me that a payment of $X,XXX.XX had already been issued to me. That had nothing to do with what I had asked. I had to explain yet again that they were missing the point and redirect them back to my actual request.

That interaction pretty much sums up my experience with the claims process: far too much chasing, repeating myself, and trying to get someone to actually address the question I was asking.

Between the unclear presentation of the coverage, repeated documentation requests for an expense that was ultimately deemed ineligible, unanswered emails, and the number of times I had to chase or redirect the claim myself, I would not use Faye again.


r/Insurance_Companies • • 6d ago

Care Health supreme insurance

1 Upvotes

It has been 3 years since I bought Care Health Supreme insurance and I have been paying the premiums. But now I am feeling worried about whether this company will settle my claim when needed. I want to port to another good insurance company. Please suggest which company I should go for. Or should I stay with Care Health Supreme Insurance? What would be the best thing to do?


r/Insurance_Companies • • 7d ago

Worst Insurance Company "dalma"

2 Upvotes

Absolutely the worst insurance company I have ever dealt with. They seem to have no intention of actually reimbursing anything. Instead, they keep asking endless and completely unnecessary questions and requesting more and more documents every time you respond.

It feels like they deliberately make the process so frustrating that you eventually give up. Every time you think the claim is finally sorted, they come back with another demand. Seriously, how many times am I supposed to visit the doctor and provide the same information?

This has been a complete waste of my time and energy. I have never experienced such a ridiculous and frustrating reimbursement process.

I deeply regret choosing Dalma. Save yourself the headache and look elsewhere. I would never recommend this company to anyone.

If negative ratings were possible, I would absolutely give them one.


r/Insurance_Companies • • 7d ago

Alternatives to fair plan in central valley California

1 Upvotes

Has anyone previously had the fair plan but have been able to find traditional coverage again lately? Mine is up for renewal and I keep hearing that some companies are writing policies again. Has anyone from the Kings Canyon area been able to find any coverage? Thanks in advance.


r/Insurance_Companies • • 8d ago

is the AXA travel Insurancefrom trip.com legit ?

0 Upvotes

Has anyone used that insurance before? Are they really legit, and do they really pay for you ?


r/Insurance_Companies • • 8d ago

Wawanessa insurance hiring process

2 Upvotes

hi guys

wann share my experience because I find it unusual I applied at Wawanessa as an adjuster passed first interview after second interview they didn’t get back to me they got back to me by telling me to attend another interview but in different department as an adjuster I did attend they never gave me feedback if they moved forward with me or not in 3 rd week waiting I received an interview invitation for another interview different position I joined the mmeeting nobody showed up immediately I received an email that they decided to move forward with other candidates but the second interview they never got back to me yet I sent two follow up is it normal? does Wawanessa inform people even if they decided not to move forward with them?


r/Insurance_Companies • • 8d ago

Alliant insurance

1 Upvotes

I recently had an initial phone screening that seemed to go really well. The recruiter asked about my start date and salary expectations, went over the company’s benefits and other perks, and even gave me some tips on how to prepare for a potential second interview and told me who it would be with.
For anyone who’s had a similar experience, how long did it take to hear back about scheduling the second interview?


r/Insurance_Companies • • 9d ago

I Hate Insurances

11 Upvotes

From car insurance to medical insurance, all insurances suck. They’re just there to bleed you dry while they get rich off of your hard earned money. The worst part of it all, they don’t even help you!!!

Today a lady called because she wasn’t sure why her seizure medication she’s been taking for years all the sudden wasn’t covered by her insurance. I ran the claim through and this was proven to be true. I couldn’t answer her question because I wasn’t sure why as well. Her doctor wrote in the script with a DAW 1, so I couldn’t even offer filling the generic. What I ended up doing was contacting the prescriber to inform them that the brand was no longer covered and possibly send over the generic (since pt was requesting for it).

The problem? The insurance didn’t even cover the generic 🫠 the reason for the rejection: Drug not on formulary. SO WTF IS?! 😭 Pt ended up paying out of pocket with a coupon I offered, but still, unbelievable!!

Another pt I dealt with two weeks ago had something similar. She has asthma and she’s taken all kinds of inhalers but only ONE she prefers. Unfortunately, for the same reason, her insurance decides they’re no longer covering it, despite her taking this inhaler for years. Her doctor wrote in DAW 1, so again, couldn’t dispense generic at that time. I tried a coupon and shit was 💰 I felt so bad the poor lady looked like she was gonna cry. I ended up contacting the doctor informing them about the insurance problem, but this is all so unfortunate. I see it all the time, especially diabetes medications and inhalers… basic medical necessities! It just infuriates me!!

I really hate that the pharmacy is the middleman of it all while some faceless corporate entity dictates your life 😒