Assurance Total Protection

01/31/ To: Revdex.com RE: Complaint [redacted] Policy: [redacted] Our office has read and respondin [redacted] to claims from filed by Ms [redacted] 01/19/We empathize with Ms [redacted] but we sent the insured a copy of her policy with receipt included and explained to her the agency fees verballyOur office even offered to send her an emailed pdf but she refused and complained that the fees were never explained by the dealer where she purchased the vehicle When investigatin [redacted] this claim we found the following: In Ms [redacted] claim she stated that she was never given an explanation on her down-paymentIL Law regardin [redacted] fees (ILCS 5/500-80) (Source: P.A92-386, eff1-1-02; 92-587, eff6-26-02.) Sec500-Commissions/Fees(1) If the combined compensation or fee exceeds 10% of a directly attributable premium amount of a correspondin [redacted] contract or policy, the disclosure must also include the signature of the consumer or contractin [redacted] party acknowledgin [redacted] the compensation or fee (2) If an insurance policy or contract is cancelled for any reason within days followin [redacted] the inception date, the producer or business entity shall refund to the consumer a prorated portion of the fee or compensation within days after the producer or business entity receives proper documentation that the correspondin [redacted] insurance policy or contract has been cancelledAt no time shall a producer or business entity charge the consumer a fee or compensation for cancellation of any insurance policy or contractACTUAL BREAKDOWN MONTH POLICY TOTAL ANNUAL PREMIUM $1,INITIAL PREMIUM PAYMENT AGENCY FEES / EARNED PREMIUM Non Refundable TOTAL DOWN PAYMENT Any and all refunds regardin [redacted] Policy [redacted] have been sent to Ms [redacted] at this time Our agency fees of $are within 10% of policy premiumProof of coverage or any additional documentation may be submitted upon requestIf Ms [redacted] has any additional questions regardin [redacted] this account she can feel free callin [redacted] me [redacted] directly at [redacted] Principle Agent Assurance Total Protection LLC

To: Revdex.com RE: Complaint [redacted] Policy: ITIL [redacted] Our office has read and responding to claims from filed by Mrs [redacted] 12/29/We empathize with Ms [redacted] but It seems the insured became irate when the premium raised due to her husband’s rating due to Motor Vehicle historyWhen investigating this claim we found the following: In [redacted] ’s claim she stated that she was never given an explanation on her down-paymentIL Law regarding fees ( [redacted] (1) If the combined compensation or fee exceeds 10% of a directly attributable premium amount of a corresponding contract or policy, the disclosure must also include the signature of the consumer or contracting party acknowledging the compensation or fee (2) If an insurance policy or contract is cancelled for any reason within days following the inception date, the producer or business entity shall refund to the consumer a prorated portion of the fee or compensation within days after the producer or business entity receives proper documentation that the corresponding insurance policy or contract has been cancelledAt no time shall a producer or business entity charge the consumer a fee or compensation for cancellation of any insurance policy or contract ACTUAL BREAKDOWN MONTH POLICY TOTAL ANNUAL PREMIUM$2,INITIAL PREMIUM PAYMENT AGENCY FEES / EARNED PREMIUM Non Refundable TOTAL DOWN PAYMENT Any and all refunds regarding Policy: ITIL [redacted] have been sent to [redacted] at this timeOur agency fees of $are within 10% of policy premiumProof of coverage or any additional documentation may be submitted upon requestIf [redacted] has any additional questions regarding this account she can feel free calling me [redacted] directly at [redacted] Principle Agent Assurance Total Protection LLC

To: Revdex.com RE: Complaint [redacted] Policy: ITIL [redacted]
      Our office has read and responding to claims from filed by Mrs. [redacted] 12/29/2016. We empathize with Ms. [redacted] but It seems the insured became irate when the premium raised...

due to her husband’s rating due to Motor Vehicle history. When investigating this claim we found the following: In [redacted]’s claim she stated that she was never given an explanation on her down-payment. IL Law regarding fees ([redacted] (1) If the combined compensation or fee exceeds 10%   of a directly attributable premium amount of a corresponding contract or policy, the disclosure must also include the signature of the consumer or contracting party acknowledging the compensation or fee.   (2) If an insurance policy or contract is cancelled   for any reason within 90 days following the inception date, the producer or business entity shall refund to the consumer a prorated portion of the fee or compensation within 30 days after the producer or business entity receives proper documentation that the corresponding insurance policy or contract has been cancelled. At no time shall a producer or business entity charge the consumer a fee or compensation for cancellation of any insurance policy or contract.   ACTUAL BREAKDOWN 12 MONTH POLICY TOTAL ANNUAL PREMIUM$2,152.00 INITIAL PREMIUM PAYMENT 179.26 AGENCY FEES / EARNED PREMIUM Non Refundable 210.00 TOTAL DOWN PAYMENT 389.26 Any and all refunds regarding Policy: ITIL [redacted] have been sent to [redacted] [redacted] at this time. Our agency fees of $210.00 are within 10% of policy premium. Proof of coverage or any additional documentation may be submitted upon request. If [redacted] [redacted] has any additional questions regarding this account she can feel free calling me [redacted] directly at [redacted] Principle Agent Assurance Total Protection LLC

01/31/2017   To: Revdex.com RE: Complaint [redacted] Policy: [redacted]               Our office has read and respondin* to claims from filed by Ms. [redacted] 01/19/2017. We empathize with Ms....

[redacted] but we sent the insured a copy of her policy with receipt included and explained to her the agency fees verbally. Our office even offered to send her an emailed pdf but she refused and complained that the fees were never explained by the dealer where she purchased the vehicle.  When investigatin* this claim we found the following: In Ms. [redacted] claim she stated that she was never given an explanation on her down-payment. IL Law regardin* fees  (215 ILCS 5/500-80) (Source: P.A. 92-386, eff. 1-1-02; 92-587, eff. 6-26-02.) Sec. 500-80. Commissions/Fees. (1) If the combined compensation or fee exceeds 10%   of a directly attributable premium amount of a correspondin* contract or policy, the disclosure must also include the signature of the consumer or contractin* party acknowledgin* the compensation or fee.   (2) If an insurance policy or contract is cancelled   for any reason within 90 days followin* the inception date, the producer or business entity shall refund to the consumer a prorated portion of the fee or compensation within 30 days after the producer or business entity receives proper documentation that the correspondin* insurance policy or contract has been cancelled. At no time shall a producer or business entity charge the consumer a fee or compensation for cancellation of any insurance policy or contract. ACTUAL BREAKDOWN 12 MONTH POLICY TOTAL ANNUAL PREMIUM $1,604.00 INITIAL PREMIUM PAYMENT 135.86 AGENCY FEES / EARNED PREMIUM Non Refundable 150.00 TOTAL DOWN PAYMENT 285.86  Any and all refunds regardin* Policy[redacted] have been sent to Ms. [redacted] at this time.  Our agency fees of $150.00 are within 10% of policy premium. Proof of coverage or any additional documentation may be submitted upon request. If Ms. [redacted] has any additional questions regardin* this account she can feel free callin* me [redacted] directly at [redacted] Principle Agent Assurance Total Protection LLC

I have been insured with this company now for four months and they beat my previous insurance company by $44.00 per mo I like these guys

To: Revdex.com Chicagoland
Re: [redacted]
face="Times New Roman" size="3">  
[redacted] has been an insured with Founders Insurance Company through our agency since August 26th 2015.  Since starting it was brought to our attention that [redacted] had an expired license from due diligence via Founders investigative dept. Since Founders Insurance does not accept expired drivers a cancellation notice was issued.
October 26, 2015 [redacted] called our office upset about getting the cancellation notice from Founders.  We explained to [redacted] that Founders does not accept expired drivers and that we would not have a problem assisting him in finding another company that is friendly to expired drivers.
On October 30th accepted the terms of the new auto insurance policy with [redacted] and submitted payment.  After placing the policy [redacted] called back stating he wanted a refund because he was not comfortable with the increase in premiums; at this time we explained to [redacted] that most of the refund with the exception of a $50.00 fee would come directly from [redacted] because the policy was already effective.
The complicated part of process is that an SR-22 was attached to this policy; In the state of Illinois About the SR22/SR26 form:
The SR26 form simply states that you no longer have a SR22 policy with that company. It can be filed for any of these reasons:

the SR22 filing period is over;
you have canceled your [redacted]
you have failed to renew your SR22 insurance after the grace period is over.
The issue in this case is the policy must stay in effect for 21 days after filing the SR-26 according to Illinois State Law; unfortunately this affects prorated refund due to the insured [redacted].  At this time all refunds due to [redacted] from agency and carrier have been issued.

To: Revdex.com Chicagoland Re: [redacted]   [redacted] has been an insured with Founders Insurance Company through our agency since August 26th 2015.  Since starting it was brought to our attention that [redacted] had an expired license from due diligence via...

Founders investigative dept. Since Founders Insurance does not accept expired drivers a cancellation notice was issued. October 26, 2015 [redacted] called our office upset about getting the cancellation notice from Founders.  We explained to [redacted] that Founders does not accept expired drivers and that we would not have a problem assisting him in finding another company that is friendly to expired drivers. On October 30th accepted the terms of the new auto insurance policy with [redacted] and submitted payment.  After placing the policy [redacted] called back stating he wanted a refund because he was not comfortable with the increase in premiums; at this time we explained to [redacted] that most of the refund with the exception of a $50.00 fee would come directly from [redacted] because the policy was already effective. The complicated part of process is that an SR-22 was attached to this policy; In the state of Illinois About the SR22/SR26 form: The SR26 form simply states that you no longer have a SR22 policy with that company. It can be filed for any of these reasons: the SR22 filing period is over;you have canceled your [redacted]you have failed to renew your SR22 insurance after the grace period is over.The issue in this case is the policy must stay in effect for 21 days after filing the SR-26 according to Illinois State Law; unfortunately this affects prorated refund due to the insured [redacted].  At this time all refunds due to [redacted] from agency and carrier have been issued.