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Beware Random Missed Payment Letters

The other day my fiancée received a letter from the Insurance Program Management office of Marsh Affinity Group Services, a service of Seabury & Smith, out of West Des Moines, IA. According to the letter, written by an Associate Benefit Specialist, Marsh had not received my fiancée’s premium payment for her AICHE-sponsored life insurance plan and her coverage was about to lapse. This letter would’ve been great… if my fiancée had AICHE-sponsored life insurance!

If I didn’t know better, or if she didn’t know better, she likely would’ve called the toll free number in the letter and asked to speak with Samuel Batterson to renew her life insurance policy if she was too busy to recall she didn’t actually have a policy with them. Is this a new style of fishing for clients or just a new style to us? I had seen this type of letter before in which webmasters were sent letters that looked like bills [3] from Domain Registry of America in a scam to get them more business, but I’ve never seen it outside of that instance.

With so many different policies in our real lives, it’s easy to get confused as to which company holds which policy so it’s not entirely impossible for someone to get tricked by this. So, the lesson of the day is to be wary of these types of letters and do your homework. While it’s very likely my fiancée had some sort of AICHE policy while she was at school (and a member of AICHE), that’s a few years back so the coverage probably lapsed long ago anyway. Either way, when you get one of these just double check everything before calling (or sending a check!).