However, we do ask that all participants respect the rights of others to communicate in whatever manner they wish, positive or negative, and TRY to behave respectfully toward one another when conflicts in views or opinions arise.
Our goal is to create an environment where examiners can speak openly and honestly without the restrictions of forced diplomacy or the constraints of having to observe over-bearing rules of political correctness.
Here's what I'm getting for the 3 companies I mentioned. To make it easy, we'll just say these are for Pbu.
Shelter pbu - 70% = $122.08 - $2 admin fee = $120.08
American National pbu - 70% = $91.63 - $2 admin fee = $89.63
Modern Woodmen pbu - 70% = $121.38 - $2 admin fee = $119.38
I'm ok with these fees. I know everyone talks bad about all of the PC's, but this office is doing it right.
Those prices may be good but the percentage APPS is paying is awful.
I always felt that even 85% was pretty damn sketchy based on how small an amount of work the PCs were actually doing.
I mean seriously, 15% to do billing?
And let's not forget the billing process is highly automated on the PC's side and takes virtually no time or manpower.
But APPS is taking 30% AND AN ADMIN FEE
Sorry but that is a complete and unadulterated rip off.
APPS negotiated better prices with those insurance companies than E1 or EMSI did, and I commend them for doing that and not low-balling down to E1's and EMSI's prices, but taking 30% for billing YOUR work is flat out wrong.
You are certainly free to accept whatever you want, but don't lose sight of the fact that APPS is screwing you.
That is a huge percentage and to have the balls to take an admin fee too just adds insult to injury.
Feel free to jump in on that mindset at anytime.
But guess what- they don't need the paramedical services to sell these! Are their clients in case of what a life insurance is supposed to do? I think not.
I wonder what the premium difference actually is between that 50K and 100K policy? Apparently it was not worth the effort for the agent to now sell.
I was replying to the post that listed rates for Shelter that said Apps takes 30% and still pays more then SMM that said they paid 87% of billable. Which now E1 says we will be payin 30% less on this company now since they have acquired SMM.
I really don't know how to explain any better unless you don't speak English or just someone that wants to try to discredit the post.
When it is all said and done it does not change much anyway to post here or not.
I think there are more PC's trolling and commenting then examiners!
But like I have always said: If you don't know what the billable is to begin with no matter what percent someone says is what you get. How do I know that what you get is the truth. Just read the post that are posting the payments a direct examiner is getting from whomever.
For the rest of you - you are making a set rate to accept or not- of course if you don't accept you won't be working very long in this define territory and available hours to people from out of state that schedule for you!
Sorry but I did not make the rules. To begin with not much has ever been in (examiner control) in this business except for saying yes or no.
For me this site is basically for others to post things like lack of payment - changes in what examiners were asked to do that does not pay anything more but now have to do. etc... But no matter what you post - look for the ones that have the most replies- because you have hit a nerve somewhere on one or more PC's. Then we will get the "???" or"what" reply etc....
So, another exam company bills Shelter, American National at past SMM, fee, which E1 deducts 30.00 dollars more. You have to shop around!
I am suggesting you to call around, other exam companies.
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