Is this a good comp plan for State Farm or should I look elsewhere? Hey everyone, I’ve been with State Farm for about 3 months now and just recently had my agent finally sit down and go over my compensation plan — something he’s been promising to do since I started. Here’s what it looks like (full document attached): • Base Salary: $35,000 • Auto/Fire Base Commission: 5% • Life/Health: 20% of 12-month premium • PTO: 8 days • Penalties: $50 deduction off bonus for every incomplete HH checklist Bonus opportunities: • Issue 5 life policies → +3% increase on P&C commissions • Issue 4 health applications → $250 bonus The issue is, I was also promised the chance to join the Aspirant Program, which was a huge selling point for me — but as time passes, it’s becoming clear that he probably doesn’t have much control over that, and it feels less and less likely it’ll happen. So, I’m wondering… Is this a competitive compensation plan for someone in my position? Or should I start looking elsewhere? I’ve got a background in finance and have been putting in real effort here, but I’m starting to feel like this might not be a long-term fit. Appreciate any insight from others in the industry.

Cigna denied my claim for a “periodic oral evaluation-established patient”, but approved adult cleaning (two per calendar year). This was the second examination and cleaning I got in the year. Reason for denial is “N4 - This claim is denied due to lack of information. If you would like to have the claim reconsidered, please submit the information requested” I contacted Cigna customer service twice and both agents said they didn’t know what the information requested was and provided no course of action. Who can I reach out to to understand what additional information is requested since Cigna doesn’t know?

Hi All, I’m here to both give a review and also ask a question. I’ve had lemonade insurance (wellness + accidental coverage) for about a year & 5 months now. At first, I really enjoyed it and didn’t have any issues with them, now I wouldn’t recommend if you have a pet that is known to get into incidents. I adopted my dog from a previous family who conveniently excluded his PICA issue. He is a 3 year old cavapoo who is notorious for taking anything he can get his hands on (socks, underwear, hygienic products, etc) and swallowing it. He’s had 2 surgeries (1 in March of 2024, and another in June of 2024). His first surgery was pre-policy and he was not insured with Lemonade. His second one I did receive reimbursement. We recently just went through another scare now in July 2025 (we have a behavior consult soon and take serious precautions, he is just VERY VERY sneaky) but thankfully, he was only hospitalized with fluids and passed the clothing in his stool, NO surgery was performed. Now, Lemonade is denying my claim to cover the costs of hospitalization due to “Foreign material ingestion being determined to be a Recurring Condition, which is not covered under this policy.” I reread my policy, and this is the exact language on it: “Conditions arising from a repetitive and specific activity that leads to decontamination (i.e., the induction of vomiting, stomach pumping, or treatment with charcoal), medical, or surgical treatment of your pet, if the same or a similar activity occurred two times within 18 months prior to the treatment date.” I’d like to add the claims specialist also got his medical records incorrect in her summary and argued that the decision was also based on the surgery that happened in March BEFORE my coverage took place. I got her on the phone and corrected her inaccuracies, but she is saying based on the recurrent conditions definition, those 2 incidents (March 2024 and June 2024) fall under the “18 months prior to treatment date.” From my understanding and the actual explicit language of the policy, how can the March 2024 surgery be considered if it predates coverage and there’s no legal language stating that pre-policy incidents are included?? Am I crazy or should I escalate this with DFS??, I am in NYC. Any lawyers’ thoughts welcomed!!

My Aetna plan will be removing Miebo from coverage in the new plan year effective 7/1/25. This drug is the only FDA approved drug proven to treat the evaporative component of dry eye disease. There recommending I switch to Restasis , which is a good drug, but only treats the production of tears and not evaporation. Since there is no generic and no FDA approved alternative , are there any legal actions I can consider, or the plan can just do whatever they want and I’ll need to find another company that will cover the plan. The drug is about $800 a month, and while I can make it work, I would prefer for it to be paid for. I could also attempt to back door the European Version EVOTEARS from Germany for $20 a bottle.

Not sure this belongs here because it's not car/home etc. but I had a weird experience with travel insurance on my credit card. My wife and I were headed for a wedding then she got covid a few days ahead, so I put in a claim for the nonrefundable hotel. When nothing happened with the claim over a couple weeks I called their customer service number and was told that the claim required a signed doctor's note saying that we were unable to travel. We \*weren't\* unable to travel so I just gave up. Now, sometime later, I get a notice that they're paying the claim. The only explanation I can think of, since what they said on the phone seems to match the published benefits, is that the claim was so small that they decided to pay anyway, perhaps to help metrics of some sort. Is this a thing? I really don't see in retrospect why they would pay if they didn't absolutely have to, although I will admit that my feelings about the credit card (on which we spend a lot of money) were souring. Perhaps it was just a courtesy? Anyone know how this works in practice? I'm trying to figure out to what extent I should really trust this credit card.

I recently got into a car accident where I was rear-ended. The only damages were to my bumper and trunk. Geico gave me $2,000 to start repairs and said the shop could request more money if needed. I decided to take my car to Mercedes so dealer parts would be used. Mercedes told me they’d handle everything, but for two weeks I heard nothing from them or Geico. Then Geico called and said my car would be a total loss because Mercedes’ estimate was $9,671, which they said was above the 75% threshold. Geico valued my 2017 Mercedes C300 at $12,636. I did my own evaluation, adding in features/options Geico left out and $5,200 worth of maintenance I’d just done a week before the accident. After I sent my report, Geico updated the value to $15,453. At that value, the repair cost is clearly under the 75% threshold. Instead of changing the decision, Geico switched it from a “construction loss” to a “financial loss” and still marked it as salvage. Meanwhile, Mercedes had already taken my car apart without telling me, which caused storage fees to pile up, around $6,000. I was told the fees would only be waived if I fixed my car with them, which basically left me with no choice. What made me upset is that Geico ended up paying Mercedes about $7,700 for the initial estimate and storage fees, instead of just approving the $9,671 to fix the car. When I finally got my car back, it was still disassembled, with the bumper and parts thrown inside. Mercedes didn’t even bother to put it back together after being paid thousands of dollars. Given my car’s updated value, the repair cost is way below the 75% threshold, so how is it still being considered a total loss? I even asked if I could take it to a different shop for another estimate (since Mercedes is more expensive), and was told no. This whole process feels really unfair, and I don’t understand why my car is being treated as a total loss when it shouldn’t be.

My son was hanging out with his girlfriend’s family when her dad pulled out a couple of dirt bikes and offered to let them drive around the block on them. No helmets, no licenses, bikes aren’t registered or even road worthy. My son is 15 with a learners permit. It was 8pm, dark, and the bikes had no headlamps. Long story short, my son ended up running into a car, causing $7K in damages and losing part of a toe in the process. My insurance company will not cover this because it was outside the scope of the coverage provided for the learners permit. The driver is threatening a lawsuit. I’m angry at the girlfriend’s father. I would have never allowed him to get on that bike if I had known about it. I knew the consequences if something like this happened. In addition, the father apparently verbally told the driver he would cover the damages but he hasn’t returned my call. Can the driver sue me? Shouldn’t she just file with her insurance company for uninsured/under insured motorist coverage?

Are there any insurances that cover dental only? I’m currently with Healthy Paws, & while they are getting more expensive for now it works for us because of the unlimited payout if we need it. But last year he had a cleaning and extractions that ended up being over $2000 when all was said and done, and if he needs more this year I’m hoping to have some coverage. TIA!

Has anyone ever heard of a requirement that a wood fence needs to have 5 feet of metal between the house and the fence for homeowner's insurance? State Farm is mandating that we replace 5 feet of our wood fence that is closest to the house with metal for the policy to go through.

My parrot was diagnosed with avian chlamidiya at 2 months. He went through medication and was fine. I have nationwide insurance Nationwide says I cannot get that removed without another expensive chlamidiya test that won’t be covered. Recently I was very sick and while I was sick my bird got sick. I took him to the vet and they gave him different meds and said it’s most likely a respiratory infection, which is also what I had. They specifically put that it was a respiratory infection and not chlamidiya which a pretty serious infection. Nationwide marked it the same as chlamidiya and refused to cover it, said it was preexisting. There are a billion things that cause a respiratory infection in birds. It’s not fair that every single thing he can catch will be lumped in with a very serious condition that he had when he was 2 months. They told me I need the SOAP notes and a letter from the vet which I will be getting. But I will be looking for a different carrier for pet insurance because this is obscene and I already have a $250 deductible with this I wasn’t even getting anything back this was to just go onto the deductible!! I appreciate any help you all can help because I’m at my wits end here I’m going through way too much and I can’t take anymore