The Mantolokin Group LLC

We would first like to take the opportunity to apologize for any and all inconveniences Mr [redacted] may have experiencedWe consider and address any and all complaints such as this and take these types of claims very seriouslyOur goal and practices as an agency are to always do all we can to suit the clients needs and budget when it comes to health and life coverageWe do not offer “discount programs”We offer everything from major medical ACA compliant plans as well as defined benefit plans since most of the clients we come in contact with simply can not afford ACA plansI believe its fair to say that this fact has been made very clear to the entire country, so we pride ourselves in offering alternative options to peopleWith that being said ,all the carriers we are appointed with require that voice verifications are done so benefits as well as terms and conditions are clear to the clientAll mentioned verifications were done with Mr [redacted] and we would be more than happy to share with him, or any of our clients for that matter , if they so desiredWe also have date and time stamped emails that are sent that we can supply as wellTo further insure that point we have a compliance director on premises who also heads our internal reviews for cases such as thisIn Mr [redacted] particular case his fiance [redacted] initially called in and the agent was on the line with her for minutes and seconds The agent then was on the line with Mr [redacted] for an additional minutes and seconds to insure they were both comfortable with what was being offeredIn addition to that time frame there is the additional time of the actual voice verification where everything is further clarified and the client must respond in the affirmative to each statement and questionIn addition clients still have a Free Look period in which to cancel ,which they can do via call, email, fax or letterWe are in no way misrepresenting any of the products that we offer since it behooves us as an agency to insure the clients are 100% satisfied and understand completely, to the best of there abilities, since our industry thrives on recurring business relationshipsThe internal review in this case concluded that in the end ,and at the time of the conversation ,Mr [redacted] did indeed say and agree this would fit his idea of coverage that was within his benefit and budgetary needsHe is correct to say the plan he chose was not ACA compliant but this was made clear to him ,as well as one final time during the verification, to which he agreed and replied he understoodWe would be more than happy to have Mr [redacted] hear and see all above mentioned date and time stamps as well as his voice verificationsWith all that being said, as a show of good faith, we will be happy to process a refund for Mr [redacted] in the amount he states of immediately!It is always in our best interests to satisfy and fulfill our clients needs and wants in any way we can and hope this has accomplished that point We would again like to apologize for any and all inconveniences Mr [redacted] may have experienced

We would first like to take the opportunity to apologize for any and all inconveniences Ms *** experienced.It is always our goal to ensure that all of our clients are 100% satisfied in every wayI would like to address Ms *** specific claims.First it is customary practices
for any and every person who purchases health insurance to provide the information Ms *** referred to as directed by the carriers themselves.I have submitted documentation that shows the coverage Mr *** provider is indeed a legitimate long standing carrier that does have a web address and presenceThe document shows Ms *** was approved for her coverage was sent an email that stated such and also offered her the ablity to print her documents if she so chose. The reason behind her having difficulty in reaching us is during the month of Dec our organization began a complete phone system conversion which caused some interruptions that unfortunately could not be avoidedWe informed our clients to the best of our ability of the inconveniences that could occur and again would like to take the opportunity to specifically apologize to Ms *** for such.The documentation also shows that Mr *** contacted the client to explain the situation but in the end Ms *** decided to still cancel the policy so in turn she was given the appropriate direct contact information for the carrier to cancel and request her refund

We would first like to take the opportunity to apologize for any and all inconveniences Mr [redacted] may have experienced. We consider and address any and all complaints such as this and take these types of claims very seriously. Our goal and practices as an agency are to always do all we can to...

suit the clients needs and budget when it comes to health and life coverage. We do not offer “discount programs”. We offer everything from major medical ACA compliant plans as well as defined benefit plans since most of the clients we come in contact with simply can not afford ACA plans. I believe its fair to say that this fact has been made very clear to the entire country, so we pride ourselves in offering alternative options to people. With that being said ,all the carriers we are appointed with require that voice verifications are done so benefits as well as terms and conditions are clear to the client. All mentioned verifications were done with Mr [redacted] and we would be more than happy to share with him, or any of our clients for that matter , if they so desired. We also have date and time stamped emails that are sent that we can supply as well. To further insure that point we have a compliance director on premises who also heads our internal reviews for cases such as this. In Mr [redacted] particular case his fiance [redacted] initially called in and the agent was on the line with her for 18 minutes and 59 seconds . The agent then was on the line with Mr [redacted] for an additional 40 minutes and 38 seconds to insure they were both comfortable with what was being offered. In addition to that time frame there is the additional time of the actual voice verification where everything is further clarified and the client must respond in the affirmative to each statement and question. In addition clients still have a Free Look period in which to cancel ,which they can do via call, email, fax or letter. We are in no way misrepresenting any of the products that we offer since it behooves us as an agency to insure the clients are 100% satisfied and understand completely, to the best of there abilities, since our industry thrives on recurring business relationships. The internal review in this case concluded that in the end ,and at the time of the conversation ,Mr [redacted] did indeed say and agree this would fit his idea of coverage that was within his benefit and budgetary needs. He is correct to say the plan he chose was not ACA compliant but this was made clear to him ,as well as one final time during the verification, to which he agreed and replied he understood. We would be more than happy to have Mr [redacted] hear and see all above mentioned date and time stamps as well as his voice verifications. With all that being said, as a show of good faith, we will be happy to process a refund for Mr [redacted] in the amount he states of 98.90 immediately!It is always in our best interests to satisfy and fulfill our clients needs and wants in any way we can and hope this has accomplished that point We would again like to apologize for any and all inconveniences Mr [redacted] may have experienced.