Jun 22, 2021
USHEALTH Advisors Response
5yThank you for your time and your comments. We appreciate your perspective and we'd like to offer our own, as well. Unlike other plans that may be available, USHEALTH conducts full underwriting up front on its insurance applicants. We do this to ensure that our customers can rest easy, knowing that their insurance coverage will work for them ... because they've already been medically approved for the coverage. With regard to advances, its important to remember that an advance is a monetary loan ... just like you might get from a bank. Just like any bank loan ... interest is charged on the outstanding balance. Advances are offered as a way to help agents improve their cash flow. That said, agents always have the choice to forego the advance and simply be paid on an "as-earned" basis. I'm not exactly sure what you mean by "building fees" however, it is not uncommon for agents to invest in their own business by contributing toward office expenses. Entrepreneurs and self-employed individuals have been doing this for decades ... so I'm not exactly sure why this is problematic for you. By the way, as independent contractors, agents are always free to choose when, how and where they perform their duties under the USHA contract. I'm not aware of any punishment for those who choose to work from home. Agents typically pay a fee to access the CRM system for purposes of conducting business. Using an authorized CRM system allows agents to access leads from the company. Again, agents are not required to use or pay for access to the system ... it is simply a matter of choice and investment into your business. I'm afraid I must take exception to your allegation that our plans "WOULD NOT EVEN COVER COVID". This is simply not true. Further, USHA does not endorse or advocate abhorrent agent behavior. Agents who are caught misleading or mistreating customers are dealt with swiftly and judiciously. While I appreciate your comments regarding vesting and plan designs, I'll simply say this ... USHEALTH agents are independently contracted to perform certain duties for the purpose of acquiring customers for USHEALTH Group insurance carriers. The customer relationship is with USHEALTH Group carriers ... not with the independently contracted agent. The plans sold by USHEALTH Advisors are proven to resonate well, with our niche market ... so I'm not really sure why we would want to change that. Again, thank you for your time and your comments. If you'd like to discuss these thoughts further, please feel free to contact me at bill.shelton@ushadvisors.com.