SelectQuote Insurance Services

November, 2014.....Ok at first I thought SelectQuote was greatYou get all quotes from one source and the reps are friendlyHOWEVER, right away once the medical questionnaire started, we ran into major issuesWhen the nurse came out and had me look over my application (which was taken over the phone by the Insurance Agent), I noticed SEVERAL things were wrongMy birthday was incorrectThe application stated that I had been in multiple traffic collisions (which is not true), etc etcThere were multiple "facts" on the application that were not only complete falsehoods, but also things that seemed to be grabbed out of thin airThis was super concerningThen it got worseI was born with an extra electrical pathway in my heart which was cauterized a few years agoIt is a simple procedure that completely cures the problemI explained this to SelectQuote, gave ALL my medical information as well as my doctor's informationI even called my doctor to let them know SelectQuote would be callingBut the underwriters at SelectQuote and the SelectQuote reps couldn't seem to get itThey didn't seem to be communicating well with each otherI would email or call to see what the status was (after weeks of waiting for a status report) and I couldn't get a hold of my Insurance AgentHer contact number was redirected to her "assistant" who was nice but said she didn't have the legal standing as an agent to answer my questionsGreatBut she would say "Oh underwriting needs so and so or this and that"Why didn't they contact me to tell me they needed more information? Underwriting would continually ask for more recent medical reports regarding my heart "issue"Which I had to explain MULTIPLE times that there weren't any other reportsIt was a one time deal and I haven't had any issues since(Didn't they speak with my doctor, which they are supposed to do, who would have confirmed this?!) They also asked me to get doctor reports for them....WHICH IS THEIR JOB, not mine(At this point, I was also getting an independent quote from Prudential...which was so simpleSo I had an idea of what was needed on my end)At the end of all this, they gave me a quote from TransAmericaI denied the policy, said NO thank you and went with my local Prudential agent because they were cheaperTHEN a week later I noticed the premium for TransAmerica had been taken out of my bank account along with a "Congratulations you're policy has been activated" email from SelectQuote(SelectQuote said you had to give them a blank check to get a quote, which I have since found out isn't true.) I called SelectQuote right away and GUESS WHAT? My SelectQuote agent wouldn't return my callsNiceSo I made a fraudulent claim with my bank and decided to scrap SelectQuote and deal directly with TransAmerica (who knew nothing of all this)So after a month of this nightmare and trying to get my money back, TransAmerica has finally said they're sending me a check for a refundAs of this morning, I am still receiving emails from SelectQuote about my "policy" and the reps still won't return my emails or phone callsBeware of this company! ***Update....February 27, 2015.....While I do appreciate the VP of Operations emailing me to apologize for my horrible experience with Select Quote (although nothing came of her looking into my case), I STILL have not received a refund checkThankfully, I have a good bank who has already refunded my money based on the fraudulent nature of this whole experienceI've decided to not fight with these people anymore and have walked away; although I tell everyone I know not to give this company one ounce of personal information

Unfortunately, Selectquote does nothing for you as an agentYou might as well go direct to an insurance companyWhen something goes wrong, they leave you out there on your ownI bought a Life Insurance policy through them months ago with Protective Life and have been trying to cancel it for a few weeks nowI am getting the run around from PL and no help from my SelectQuote agent who told me I could cancel the policy at any timeIn all fairness to the agent, the policy itself does not say otherwise but Protective Life is insisting they cannot cancel it for a year but, not to worry, I will not be chargedWho does that? Who gives you a policy for free for any period of timeVery suspiciousI want it cancelled now but they will not do itThat is another caseAt any rate, the agent, [redacted] ***, is aware of the problem but has had no effect to assistIf the agent is less capable than you are to get things done, why do you need them? All in all, a very bad experience

Initial Business Response / [redacted] (1000, 5, 2015/10/01) */ SelectQuote understands why Mr [redacted] is upsetHe believed that the exam vendor and United of Omaha were incompetent because they were searching for records from a Dr [redacted] on his wife and was convinced that she had never seen the doctor that they were requesting records from This actually was not the case, the medical records were ordered from Dr [redacted] because when United of Omaha did the RX data check at the beginning of the application process, it showed that Dr [redacted] prescribed medication to Mrs [redacted] and therefore ordered the medical records from Dr***United of Omaha did receive the medical records from Dr [redacted] back on 9/9/So, Mrs [redacted] did see him but she may have not recalled the name of Dr [redacted] since this was an urgent care visit at StLuke Hospital and was not her doctor Unfortunately, United of Omaha's Temporary Coverage Receipt is only valid for days from application submission and the [redacted] did sign the form acknowledging thisUnderwriting sometime takes longer then the days that Temporary coverage is valid forAlso, we have expedited retrieval of Dr [redacted] 's records as we have not received them as of todayOnce we receive the records, we will ask for a rushed decision on this case from United of OmahaWe hope to have this policy issued soon Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/10/08) */ (The consumer indicated he/she DID NOT accept the response from the business.) Not acceptable as the only way that any of the medical records work was put back on track was due to my own personal work (calls, visits, requests in-person of the medical office staff) and not one question asked of me or my wife why the could not get records from a Dr [redacted] who by the way is not and never has been the Primary Medical Service provider for my wifeDr [redacted] has been ever since [redacted] moved to [redacted] to be with meThis entire process through EMSI and Select Quote has been horrible to deal with once the applications were completedOn top of it, my wife now has the added stress of feeling discriminated against on this application since she was pregnant (just gave birth to our first child on October 1st) and had no term life coverage in the event she died during child birthThis entire time Select Quote didn't seem to care that the temporary coverage was dropped for my wife due to a 3rd party inability to do their job not by any fault of oursAt this point, I am not even sure if they would provide insurance coverage for my wife once they obtain her medical records since they have botched this entire process thus far and can only try to blame me or someone else for there inability to do their job I just want to have term life insurance coverage put in place for me and my wife, as we had initially signed up for back in MAYIf that is not possible, then I want a full refund of all fees paid to date to SelectQuote as well as EMSIFor our daughter, we will be pursuing life insurance options elsewhere Final Consumer Response / [redacted] (3000, 16, 2015/11/03) */ The issue is still not closed as Select Quote has cancelled my wife's insurance coverage againI am now forced to take the matters up with our attorney Final Business Response / [redacted] (4000, 18, 2015/11/11) */ United of Omaha received all necessary items and Mrs [redacted] 's policy went in force on 11/6/ Please let us know if we can help with anything else Sincerely, [redacted] SelectQuote Insurance Services

Initial Business Response / [redacted] (1000, 5, 2015/02/19) */ We are sorry that Mr [redacted] is upset that he can't pay for his life insurance policy by credit card with Prudential Life Insurance CompanyUnfortunately, Prudential Life Insurance Company is the only insurance company we represent that does not allow credit card payments The sentence in the noted letter to Mr [redacted] is incorrectWe were aware of the issue with the automatic letter and thought this issue was fixed in DecemberSelectQuote is looking into making sure this sentence does not populate again for Prudential Life policies on our automatic letters If Mr [redacted] would like to re-apply with another one of the Insurance Companies we represent, he would be able to pay with a credit cardOtherwise, Prudential does require a check for paymentAdditionally, [redacted] did try to get an exception with Prudential for a credit card payment but Prudential refused to make an exception If Mr [redacted] would like to speak with [redacted] supervisor, please have him contact: [redacted] Case Specialist Supervisor, Phone: XXX-XXX-XXXX ext*** Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/02/23) */ (The consumer indicated he/she DID NOT accept the response from the business.) As Selectqyote states they made a mistake in their letter and they "own" their mistake and regardless of the inadequacy of proper management of their systems they are beholden to honor their committmentsI did not require them to use Prudential LifeAt their costs they should obtain life insurance for me with one of their other Companies who will take credit card payment Final Business Response / [redacted] (4000, 9, 2015/03/10) */ [redacted] our Vice President of Operations, spoke with Mr [redacted] on Thursday, March 5thThey had a good discussion and she offered for SelectQuote to reimburse Mr [redacted] for two months' premium in the total amount of $to compensate for any hardship SelectQuote's letter error caused Mr [redacted] seemed pleased with this offer and asked for it to be written to him in an email, which Mrs [redacted] did doMrs [redacted] since their conversation and email on March 5th, has left a voicemail to follwith Mr [redacted] but has not heard back Final Consumer Response / [redacted] (4200, 11, 2015/03/11) */ (The consumer indicated he/she DID NOT accept the response from the business.) Offer of money credit for their mistake is not clear at this time

Initial Business Response / [redacted] (1000, 8, 2014/11/05) */ Ms [redacted] original request to cancel was on 10/07/ [redacted] from SelectQuotee forwarded her email to [redacted] at UOMH and he stated someone from his office would reach out to Ms [redacted] [redacted] from SelectQuote then followed up with UOMH every few days and there was a delay on UOMH's endOn 10/20/2014, Ms [redacted] sent [redacted] an email stating a 2nd draft occurred [redacted] informed UOMH of this incident and they refunded by check for months ($x2) and mailed it to Ms [redacted] on 10/22/ [redacted] emailed Ms [redacted] to make sure she received the check, which she did on 10/28/ Initial Consumer Rebuttal / [redacted] (2000, 10, 2014/11/06) */ (The consumer indicated he/she ACCEPTED the response from the business.) They finally sent my refund check in the correct amount that they debited out of my accountI hope they cancelled it on their end from any further transactions

Initial Business Response / [redacted] (1000, 7, 2014/04/04) */ Dear Ms [redacted] , We have looked into the issue you reported to the Revdex.com on 3/13/about SelectQuote Insurance Services calling you unsolicitedWe have found that on 3/5/at 10:21am, somebody other than you submitted a web inquiry on our website and entered your cell phone number of XXX-XXX-XXXX As requested, we have removed your cell phone number from being called by anyone at SelectQuoteWe apologize for this issue and assure you that we never contact anyone that hasn't expressed interest in life insurance and has given us a number to contact them Please let me know if I can assist you any further Sincerely, [redacted] Marketing Communications and Compliance Manager SelectQuote Insurance Services Phone- XXX-XXX-XXXX ext [redacted] Fax- XXX-XXX-XXXX Initial Consumer Rebuttal / [redacted] (2000, 9, 2014/04/07) */ (The consumer indicated he/she ACCEPTED the response from the business.) Thank you for your response; I appreciate the prompt attention to this matter Sincerely, [redacted]

Initial Business Response / [redacted] (1000, 5, 2015/01/28) */ At SelectQuote, we always try to make sure customers are well informed as they go through the life insurance buying processWe are very sorry to hear that Mrs [redacted] was upset about the miscommunication on temporary life insurance coverage that was not in place while waiting for the approval of her husband's life insurance policy On 1/26/15, SelectQuote agent Al Santana spoke with Mrs [redacted] and confirmed the policy from Prudential was approved and the pending forms have been received and sent by Mr [redacted] to Prudential to put the policy inforce Additionally, Prudential will be rushing this policy to inforce because of the miscommunication on the temporary coverageMrs [redacted] is aware of this and seemed to be happy with the effort made by SelectQuote and Prudential on this matter Please let us know if there is anything else SelectQuote can do to assist the Thulsons Sincerely, [redacted] SelectQuote Insurance Services XXX-XXX-XXXX ext [redacted] Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/01/29) */ (The consumer indicated he/she ACCEPTED the response from the business.) SelectQuote has pushed my husband's application through I think to the best of their abilityI did ask that they do a better job of educating their agents so this does not happen to someone elseThey said they wouldThe policy isn't in effect yet, but after their error, I think they have tried to remedy the situation

Initial Business Response / [redacted] (1000, 9, 2014/09/10) */ Contact Name and Title: [redacted] Agency Mgr Contact Phone: XXX-XXX-XXXX Contact Email: [redacted] @sqah.com The agent that originally created the quote for Mr [redacted] did not clarify if the home's alarm system was a local or monitored alarmWhen Mr [redacted] called back to start the policy the original agent was not available, the agent who processed the quote to create a policy did not review the alarm system with Mr [redacted] and the quote was bound with a monitored alarm discountDue to agent error SelectQuote Auto & Home Insurance is processing a check for $(difference in discount for a monitored alarm system for the policy term) which will be mailed directly to Mr [redacted] Selectquote A&H regrets the error in processing the policy as well as time and hassle for Mr[redacted] Initial Consumer Rebuttal / [redacted] (2000, 11, 2014/09/22) */ (The consumer indicated he/she ACCEPTED the response from the business.)

I filled out the info online and was told a rep would contact me soonWithin a short amount of time, a few calls were made to me from different cities and no one ever left a messageHowever, about three days later I discovered that Selectquote sold my information! Very upsetting! How do I know? Because when I filled out the online app, I used my moms name and my phone numberI received an automated message from some telemarketer (using my moms name) saying "call this number right away because you owe some money and we're gonna sue...blah blah blah" I will find a good old fashioned face-to-face broker I've also lost faith in the Revdex.com since this business has so many complaints, and no positive reviews, yet maintains an A+ rating??

Initial Business Response / [redacted] (1000, 5, 2015/12/02) */ SelectQuote's Case Specialist Manager, [redacted] has been working directly with Mrs [redacted] on this caseAs of Nov25, 2015, Mrs [redacted] 's policy has been inforce [redacted] emailed Mrs [redacted] directly to inform her that the policy was inforce and she acknowledged receipt of the email Please let us know if can help with anything else Sincerely, [redacted] SelectQuote Insurance Services Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/12/16) */ (The consumer indicated he/she ACCEPTED the response from the business.) I accept there non responsibility by their passing [redacted] buck to [redacted] (I expected nothing less); who bore the responsibility in my angst with [redacted] and [redacted] Moving forward I still remain in my position of not advocating those two Broker/ assistant and will request [redacted] ***; as I do have a husband that may need further coverage, as well extended family members