I, Harvey L ONeal, purchased a cancer policy from AIL in August 2008. The policy and its ramnifications of its lack of benefits was never explained to me by the Insurance Agent Ms. Julie Hallgren, CA Insurance Agent Licenser H2975. She seemed to only want to sell an insurance policy as extreme pressure is applied to AIL sales agents to sell policies as witnessed on the internet by AIL hiring policies.
When I received the policy, it had a twenty unit limitation me3aning the kidney cancer surgery benefit of .51 was multip[lied by the .0 units in the policy as a conversion facter. As a layman consumer I had no idea nor was this explained to me by Ms. Hallgren of the implications on future benefits until I had kidney cancer surgery Nov. 10, 2009. When I filed for benefits, which arrived 4 months later AIL paid $1, 630 on a kidney cancer surgery and 2 day hospitalization on the total cost of surgery/hospitalization of well over $56, 000.00. This is UNACCEPTABLE, UNFORGIVING AND TOTALLY ABSURD. AIL cancer benefits in their cancer policies do not even come close to meeting the costs of todays escalating hospitalization/surgery costs. Their conversion factors built into cancer policies are there to limit their future liability in paying future benefits. Believe me, you will be deeply disappointed in their benefit package and you will be overwhelmed with medical costs AIL will not pay.
Thank you.