I wonder if Alex Trebek really understands post claim underwriting insurance?
Or if he just takes the paycheck? Just saw his ad on AMC.
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An insurance company that is relying on post claim underwriting, instead of looking to pay your submitted claim for a loss incurred by you as promised under the terms of the insurance policy it issued to you, looks for all the things in your application or coming from your application that it might be able to dig up to rescind (cancel) your policy and avoid having to pay your claim. The insurance company, rather than refusing to issue you a policy at the time you apply because information in the application leads it to believe you are a bad risk, waits until after the policy has been issued (and you are falsely secure in the knowledge that you have insurance protection) and, then after you have submitted a claim, denies coverage on the grounds that the policy should not have been issued in the first place.
When this occurs, the insurance company ignores its commonly understood obligation to do underwriting when a policy application is made rather conducting its risk assessment after your claim is submitted. The insurance company performs this after-the-fact evaluation to rid itself of an insured individual it contends should never have received insurance coverage. Meanwhile, you believe that you have valid insurance and do not seek insurance elsewhere.
The typical post claim underwriting case is easy to recognize. Instead of being processed through the claims department, your claim is sent to the insurance company’s underwriting department. The underwriting department then begins its post claim underwriting by requesting you to sign a release for your medical records. Alternatively, it may forward a release obtained at the time of your application to your medical service providers. After the underwriting department carefully reviews your medical records, and identifies an omission or inconsistency from what was shown on your original application, the insurance company denies coverage on the basis of misrepresentation, concealment or fraud in your application. You are advised that your policy is being rescinded, the premiums returned, and that there is no coverage for the claimed loss.
http://law.freeadvice.com/insurance_law/insurers_bad_faith/recoginize-post-claim-underwriting.htm
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from both major parties and control government.
They may not be formally organized along traditional party lines but, just like wolves and sharks they watch their prey and never miss an opportunity to tighten their stranglehold on congress, president, and supreme court.
They've learned from failed monarchs and dictators that if one is too aggressive and blatant, prey might spook and run like a herd of wildebeest or circle up like cape buffalo and threaten their attackers.
I wonder how many citizens would "pledge to each other our lives, our fortunes and our sacred honor" as is happening in several countries around the world?
Absent that commitment, We the People may as well learn the following pledge:
