Welcome, Guest. Please login or register.
November 19, 2017, 04:05:01 AM

Login with username, password and session length

  • Total Posts: 722440
  • Total Topics: 58704
  • Online Today: 303
  • Online Ever: 1421
  • (August 13, 2016, 05:18:44 AM)
Users Online
Users: 2
Guests: 244
Total: 246


Welcome to the POZ Community Forums, a round-the-clock discussion area for people with HIV/AIDS, their friends/family/caregivers, and others concerned about HIV/AIDS.  Click on the links below to browse our various forums; scroll down for a glance at the most recent posts; or join in the conversation yourself by registering on the left side of this page.

Privacy Warning:  Please realize that these forums are open to all, and are fully searchable via Google and other search engines. If you are HIV positive and disclose this in our forums, then it is almost the same thing as telling the whole world (or at least the World Wide Web). If this concerns you, then do not use a username or avatar that are self-identifying in any way. We do not allow the deletion of anything you post in these forums, so think before you post.

  • The information shared in these forums, by moderators and members, is designed to complement, not replace, the relationship between an individual and his/her own physician.

  • All members of these forums are, by default, not considered to be licensed medical providers. If otherwise, users must clearly define themselves as such.

  • Forums members must behave at all times with respect and honesty. Posting guidelines, including time-out and banning policies, have been established by the moderators of these forums. Click here for “Am I Infected?” posting guidelines. Click here for posting guidelines pertaining to all other POZ community forums.

  • We ask all forums members to provide references for health/medical/scientific information they provide, when it is not a personal experience being discussed. Please provide hyperlinks with full URLs or full citations of published works not available via the Internet. Additionally, all forums members must post information which are true and correct to their knowledge.

  • Product advertisement—including links; banners; editorial content; and clinical trial, study or survey participation—is strictly prohibited by forums members unless permission has been secured from POZ.

To change forums navigation language settings, click here (members only), Register now

Para cambiar sus preferencias de los foros en español, haz clic aquí (sólo miembros), Regístrate ahora

Finished Reading This? You can collapse this or any other box on this page by clicking the symbol in each box.

Author Topic: Getting Screwed...but not in a good way.  (Read 992 times)

0 Members and 1 Guest are viewing this topic.

Offline newbernswiss

  • Member
  • Posts: 260
Getting Screwed...but not in a good way.
« on: January 28, 2009, 07:37:40 AM »
Some years ago, back in the early 90's I viadicated a life insurance policy. I needed the money to live due to being on disability and many other reasons.  Anyway fast forward to 2009, I received a letter yesterday to change my power of attorney with the company I sold my life insurance policy to, due to the fact my employeer had changed insurance carriers. No problem i thought. My salary is 3 times higher than what I made in the early 90's and my life insurance is based on salary. I assumed that the difference in insurance monies would be paid out to my partner when I die since I made far less in the early 90's compared to now. Well I found out that when I orginally signed the many papers to get the policy viadicated that there was a clause that states as long as I have this policy and it increases they are allowed to get the WHOLE amount when I die.  Even though I only cashed in a 50,000. 00 policy at the time and it's now worth 150,000. 00 they get the whole policy.This sucks.  These companies not only rip off the investors but preyed on the people who needed the money back in the day. Wish I had never sold the policy, but what can you do.  I spoke to an attorney but theres nothing I can do (BUT LIVE A VERY LONG TIME).  I did find out that when I leave this employeer the face value will lock in and they will have to pay the premiums.


Terms of Membership for these forums

© 2017 Smart + Strong. All Rights Reserved.   terms of use and your privacy
Smart + Strong® is a registered trademark of CDM Publishing, LLC.