What we offer to do is to look at anybody’s policy and offer some advice or give insight into what their policy covers and what they may be confronted with if they start making claims. In other words we try to advise them of what the issues are in their policy and we’ll do that for anybody. We give people a free look.
It’s probably better to have somebody look at the policy before you need to claim into it then once you’re in it because when you’re in it and having difficulties, those difficulties are compounded when benefits aren’t getting paid. All we need is a copy of the policy. We get policies faxed to us, emailed, sent to us and if somebody is having an issue then we just need a brief description of what the issue and a phone number where we can call the individual and talk to them. If there’s an ongoing controversy and we think we can do something, we’re ready to jump in and take control and make it happen.
I reviewed dozens and dozens of policies and am familiar with most of them now. I’ve read hundreds of policies, probably thousands by now and I call myself the insurance policy nerd. That’s what I’ve become but its okay. If that’s being a nerd I’m okay with that. But people have to know what the policies mean, they just have to and they don’t.
I find a lot of people when they have a problem, a controversy, they call their insurance broker or agent, that’s the person who sold them the policy to begin with and the agents don’t completely understand the policies. They understand what the policies are supposed to do in general but they don’t understand the nuances in the policy. They don’t understand there are some traps built into the policies so it really does take a trained eye to look at them and understand them. So if people are interested, all they have to do is send in their policy and we’ll look at them.