Cigar smoking and Life Insurance premiums.

[Blueface]

Originally Posted by Ahbroody

Given how bad insurance companies have and continue to screw people sorry if I lack compassion for them. That said I will likely disclose casual cigar use. I worked as an insurance adjuster for over 2 years. The primary focus on all claims was tryimg to see if coverage could be denied. Insurance companies love to take money and make profits, but sure dont like giving you any of your money back.

Wow.
I have been in the claims business for 28 years, for the largest publicly traded carrier in the country.
24 of the last 28 years as a manager.
I have dealt with Personal Lines, PIP, Auto Adjusting, Home Owner Adjusting, Bodily Injury adjusting, Catastrophe adjusting and now, for the last 12 years or so, Special Investigation Unit, addressing potential fraud.

All that said, not once have I ever, ever been told to handle claims as you state.
Not once have I been told that as a leader, I had to tell someone to handle claims as you have mentioned.
All we have ever been taught and all I have ever taught my employees is that we are here to service the customer, who pays the premiums that pays our salary. However, that doesn't mean what the customer thinks is a fair adjustment and what we perceive as a fair adjustment will always match. Remember, many states can have you lose your license and perhaps even be prosecuted for violation of ethical standards for doing what you mention. In Florida as an example, violation of the state law of Code of Ethics for insurance adjusters can result in my termination, loss of license so I can never work in the industry again and millions in fines to my company.

Not sure what carrier you worked for, but I assure you mine doesn't function with that mindset. Must be why we are so large after all.