National Better Living Association

Customer Complaints Summary

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• Government Actions

  On March 23, 2012, NBLA and CorpSavers Insurance was named in a government action issued by The State of Michigan Department of Licensing and Regulatory Affairs office of Financial And Insurance Regulation. The action is an Order to Cease and Desist with statement of findings and opportunity for hearing relating to the following;

  * Neither CorpSavers Insurance Agency, Inc. nor Tim Siewart is appointed by American Medical Life Insurance Company (AMLI)to sell its insurance products.
  * The National Better Living Association, Inc. (NBLA) is neither licensed in Michigan nor appointed by AMLI to sell its insurance products.
  * CorpSavers, Benefit Solutions, Timothy Patrick Siewert, and NBLA (direct sell) packaged and marketed a group limited medical benefit health insurance plan in Michigan, issued by AMLI to the NBLA, under the name NBLA Plans.
  * Base on the foregoing, AMLI allows unappointed agencies and other unlicensed, unappointed marketing entities (Program Managers) to sell its products in the state of Michigan.

  For more information relating to this order, please contact the following agency.

  Bureau of Commercial Services
  Enforcement Division
  PO Box 30018
  Lansing, MI 48909

  
  

  The following describes a pending government action that has been formally brought by a government agency but has not yet been resolved. We are providing a summary of the government's allegations, which have not yet been proven.

  The Office of Commissioner of Insurance for the State of Georgia has initiated an investigation into the acts, practices, transactions and course of business engaged in by NBLA and its affiliates, Individual Owners and/or directors of NBLA. In addition to this, they are investigating companies providing insurance benefits to NBLA members and entities through which NBLA memberships are sold.
  NBLA and its affiliates and Individual Owners and/or Directors of NBLA and its affiliates are offering NBLA memberships that include certificates of insurance under group master insurance policies. The group master insurance policies are issued to NBLA by authorized insurers. Because NBLA does not meet definitional requirements regarding group insurance, it is the belief of the Commissioner of Insurance for the State of Georgia that the company is in violation of the following Georgia laws:
  * National Better Living Association (NBLA) and Allied Health Benefits (AHB) and its affiliates are each acting as insurance agency/agencies in the state of Georgia without being duly licensed as Georgia resident insurance agency/agencies and pursuant to Georgia law grounds exist for administrative actions by the Department.
  * NBLA, AHB and IMAC are each acting as a third party administrator in the state of Georgia without being duly licensed as a Georgia third party administrator and pursuant to Georgia law grounds exist for administrative action by the Department.
  * Entities through which NBLA memberships are sold are allowing their employees to act as insurance agents on their behalf in the state of Georgia without being duly licensed as Georgia non-resident insurance agents.
  The company is required to be and appear before the Georgia Department of Insurance on June 11, 2012 to show cause and to be fully heard as to why the Commissioner should not enter an order that NBLA and their agents adhere to the following:
  * Cease and Desist offering as part of their membership plans, certificates of insurance under insurance master policies.
  * Cease and Desist delivery of all insurance master policies to NBLA.
  * Cease and Desist directly or indirectly, marketing and selling any and all insurance products as part of NBLA membership plans.

  The hearing is to be held at the Georgia Department of Insurance, 2 Martin Luther King, Jr. Drive, Atlanta, Georgia 30334.

  The following describes a government action that has been resolved by either a settlement or a decision by a court or administrative agency. If the matter is being appealed, it will be noted below.

  On June 20, 2011 the Commissioner of Securities and insurance (CSI) office of the State of Auditor State of Montana filed a Notice of Proposed Agency Disciplinary Action and Opportunity for Hearing (Notice) against National Better Living Association, Inc. The order alleged that National Better Living Association, Inc. violated provision of the Montana Insurance Code.
  On January 20, 2012, a Final Order was reached and signed by both parties. Without admitting or denying any of the Commissioner of Securities and Insurance office allegations, both parties agreed that NBLA, Inc. would reimburse in full the total membership dues less premium paid to one customer. The company also agreed to no longer offer new association membership or seek new business in Montana without appropriate authorization and licenses from CSI. In addition to this, the company shall allow existing Montana members to terminate their membership at will and will not renew memberships in Montana.

  For more information relating to this settlement agreement, please contact the following agency:

  The Commissioner of Securities and Insurance
  Office of the Sate of Auditor for the State of Montana
  840 Helena Avenue
  Helena, Montana 59601 "
  

  What government actions does BBB report on?

• Advertising Review

  BBB has nothing to report concerning National Better Living Association's advertising at this time.

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