Nyancat

I would let you win your bet too, just here alone god knows how many businesses you help bring in.

Insurance is a business, not a charity. At least some aren’t disguised charities that will one day vanish with your money.

Hi, guys. I have worked in expat insurance industry for a few years. In 2021, I had a chance to work in a brokerage that has partnership with WRLife. Now, there is a certain reason why certain brokers are very confident in WRLife - there is no underwriting process. They literally do not care if you were 120 years old (maximum age limit to apply if I remember correctly). They do not check for any pre-existing conditions/require health checkup upon application stage. Instead of these time-taking risk assessment processes, they approve the application right away! Sometimes, the company owner answers the queries himself. Wow, can’t tell if that is supposed to be impressive customer service mind or he does not have any other tasks to do at a ghost company. Tldr; Fast approval = Easy closed deals Nope, I could not bring myself to sell this. I mean I had to study their benefits and conditions to be able to pitch to prospects, but from all broker materials available I could not find out who the heck their insurer/underwriter is. Dubious af. Now, I know a colleague who sold it and her client had a small claim, coordination for direct-billing went ok in this case. But really, their “shareholders” pyramid scheme will one day collapse. I have been spying on who would say something about WRLife. I guess it’s just me. Until either they went bankrupt or the OIC caught them. Anyway, I am not really here to find customers. Just want to let it out that some of your “reasonable premiums” stories are definitely too good to be true. Always, always check for company financials, credibility, network hospital and whether it is a legit company licensed to operate in Thailand/SEA. Good luck out there.