zander insurance lawsuit

If you click on links we provide, we may receive compensation. You can review our list of the best life insurance companies for what we think are better options. | Why Ripoff Report will not release author information! Family Plans Protect Any Two Adults & Cover Children for FREE! Consumers educating consumers., Complaints Reviews Scams Lawsuits Frauds Reported.. New state-facilitated initiatives may boost private sector plans, not crowd them out, a Pew analysis of federal data shows. The company has a blog that is separated into different insurance categories, and each of them include blog posts written based upon commonly asked questions. Have you recently renovated part of your home or garage? Who's crazy enough to start this website? We would be happy to discuss this information, as well as next steps, if Mr. Degnan will contact us. This was very exciting for my family. To contact customer support, email info@zanderins.com or call 800-356-4282. All you have to do is fill out a simple form that includes questions like your date of birth, coverage amount, length of term, and your health class. Life is uncertain but you can help take the uncertainty out of your financial future by making wise choices now. 3 in our rating of the Best Identity Theft Protection Services of 2023. I get random text messages asking to confirm or clarify some information in the application (rather than an email or phone call) and then a cryptic text about whether I want a rider for my kids. Then, when my policy was sent to me from Banner, there was incorrect information that I wanted corrected. Singer Robin Zander, guitarist Rick Nielesen and bassist Tom Peterson are suing to remove drummer Bun E. Carlos as a board member of the bands businesses. Zander's website has instant quotes available. Then I get an email stating my whole application was declined: no explanation, nothing. - for my over the phone health assessment Through Zander, you can get up to $10 million in coverage with terms as long as 30 years. Just like anyone else, they also want life insurance. A quick trial of Zander Life Insurance life quoting engine reveals that they do not have the markets absolute best rates. Sacramento, CA, Ashley Johnson You can reach Zander Insurance Agency by calling (800) 356-4282. This is not an insurance product. Reviewers say Zander offers reasonable pricing and a full-featured ID theft package, but some are less impressed with its customer service and mobile app. Before You Buy Zander Life Insurance, Make Sure You Read This. The icing on the cake was when my wife called today wondering why she needed an in-person health evaluation and I didn't. We also reference original research from other reputable publishers where appropriate. Residents of all 50 states are eligible for policies sold through Zander. Citation: 2022 Javelin Strategy & Research, Identity Theft Resource Center. Life insurance is a major purchase and one that should not be left to chance. In so All content is posted anonymously by employees working at Zander Insurance Group. Whenever you have any major change in your life, you should reassess your insurance needs. It is interesting to note that others have tried their quick quote engine, which, in certain cases, only produces about 7 insurance carriers. "Protective Life Insurance Company - Complaint Index. Per the settlement agreement, the defendants will pay $3,818,181 in restitution to the ESOP. ZANDER INSURANCE COMPANY, ZANDERINS.COM, WWW.ZANDERINS.COM, DAVE RAMSEY, HTTP://ZANDERINS.COM, ZANDER LIFE INSURANCE TERM ZANDER LIFE INSURANCE SCAM == BEWARE BAIT AND SWITCH = QUOTES LOW THEN APPROVES AND INCREASES PRICE BY 10X AFTER 8 WEEKS OF SUBMITTING PAPERWORK Nationwide. Now Im questioning the ID theft protection I signed up for. They had projected certain income and tax benefits I was supposed to receive as part of my sale and those benefits never materialized because their work was incorrect, he said. Zander Insurance only sells term life coverage. As a leader in home insurance, Zander Insurance Agency can find a coverage solution that best fits you and your home.As a member, you'll find Nationwide's network of agents and service associates make filing a claim simple; contact an associate with questions or concerns at any time. Choosing the right coverages will make sure that your investment is doing the most for your business. Way to act like it's 1920 Zander. Take the Checkup These can be surprisingly common problems that can be corrected with the help of a personalized policy. U.S. News 360 Reviews takes an unbiased approach to our recommendations. As we grow older, our responsibilities change, and there is no reason to be locked into paying for a larger financial contract because the major your financial obligations have changed and are the need to replace your income is much smaller. Learn more at the Business Solutions Center. Subscribers may cancel by telephone at 800-356-4282 or email at zanderidt@zanderins.com. 5:26 PM on Apr 17, 2023 CDT. The policy you bought upon originally taking ownership of your house may not provide the right kind of coverage now that major changes have taken place. When independently compared to other insurers (e.g. Zander focuses on identity monitoring and recovery at a fraction of the cost, although members can access credit reports through AnnualCreditReport.com. Advertisers above have met our Edited September 14, 2021, Doug Zander Insurance Group quoted $434 for $1M coverage for a term of 20 years. Copyright 1997-2023 Ripoff Report. Being nonbinary doesnt disqualify you from getting life insurance, but you should be aware that most insurance companies havent updated their underwriting processes to reflect a current awareness of gender issues. This call may be generated using an automated technology and if we're unable to reach you when we call, we may leave you a pre-recorded message, so you can call us back. All of these carriers are known in the industry to pay higher than usual commissions to agencies. Learn more about getting the best life insurance rates for smokers HERE. Consumers love to do business with someone that can admit mistakes and state how they made improvements. Price Comparison of Identity Theft Services. 100% of a After speaking with us, you will have a complete understanding of both whole life insurance and universal life insurance and you will know which options are best for you.In order to properly assess your coverage needs, you and your spouse will need to consider things such as your age, current income, current debt, number (if any) of dependent children, likely future income levels, final expenses and the impact of a loss of income. It makes me think that, should I were to get insurance through this company, and I were to die, there would be all sorts of hoops and ladders in order for my dependents to actually get the money I had been paying the insurance premiums towards or they would be denied for some sort of technicality. Besides term life coverage, State Farm also sells whole life and universal life policies. About a week later I got the pacakage in the mail and immediately began filling out all of the paperwork. It does monitor activity on the dark web and your Social Security number, as well as check for things like a change of address or home title fraud. It may be the most important date of your life.LAW-0247AO (05/18). We attempted to assist this client further, and even advised him to take the other plan he noted in his comment if he had been forthright with his responses on their application. Below are the AM Best ratings and J.D. 5 hours to get insurance cards and a binder. Power 2021 U.S. Life Insurance Study. Zander Insurance only represents life insurers with the highest A.M. Best financial strength ratings, which means that Zander clients can be confident when purchasing a life policy. Defendant: Cook Incorporated, Cook Medical Incorporated, Cook Group Incorporated and others. Because I had updated my will, I had peace during something that would have normally been a stressful experience. (Plaintiffs Response to Statement of Undisputed Material Facts 1 (Doc. If there have been big changes made to your Nashville home or property, then it might be time to take a closer look at your current home insurance policy. The Department of Labor alleges an environmental consultant abandoned responsibility for its profit-sharing retirement plan in the late 1990s. I then persued another company that originally quoted a higher price. A well-written homeowners policy will pay to replace any of your personal property that is Years of experience give our team members a nuanced perspective on the evolving coverage needs of businesses and other organizations. We will answer all your life insurance questions and explain in easy language term versus permanent insurance. The retirement plan for Tenneco Inc. employees is alleged to have committed two breaches of fiduciary duty. Once the free look period ends, you can cancel your term life coverage at any time without paying a cancellation fee. This covers all types of ID theft including home title fraud, Social Security and dark web monitoring, lost wallet service, data breach updates, and comes with 24/7 customer service. A jury has returned a nearly $8 million verdict in favor of Nashville businessman Jeffrey J. Zander, concluding that Indianapolis-based accounting firm Katz Sapper & Miller LLP negligently misrepresented the tax consequences of a sale of nearly half of his insurance agency to the companys employees. The Zander Insurance Agency also offers products in AL. Now and Next Year. Rumors have always swirled regarding how many millions are spent each year to remain Daves suggestion as to where you should go to buy life insurance. Zander Insurance Group was founded in 1927 and has been providing service to customers for more than 80 years. It was a complicated case and they took the time to listen to the details the entire time.. If youre looking for other kinds of coverage, such as whole or universal life policies, youll need to work with another company. Glassdoor gives you an inside look at what it's like to work at Zander Insurance Group, including salaries, reviews, office photos, and more. Protect your house and personal property by choosing the right insurance coverage from Nationwide. This is an administrative services contract, with restoration and ancillary reimbursement benefits providing enrollment, education and preventative database management services. Make sure you take a good look at the fine print before you make a decision. Zander representatives kept in touch with me and assisted me in keeping the process updated, while waiting for medical history records to be sent in and processed. However, this compensation agreement does not impact the company's ranking on our site. WebZander is a scam who wastes 8 weeks of your life going without life insurance. Copyright 2023 Asset International, Inc. All Rights Reserved. Tell us has your experience with this business or person been good? With offices located in Nashville, we provide the following product offerings Homeowners Provides comprehensive, customizable policies for homeowners to protect your home, family and lifestyle. Auto Offers benefits beyond mass-market insurance policies to ensure your autos are well protected. Excess Liability Protects you and your hard-earned assets against the potential risk of a lawsuit, so you can be confident about your financial future. Personal Collections Helps ensure your most cherished possessions get the coverage they deserve.Through Zander Insurance Agencys committed partnership with Nationwide Private Client, we provide specialized claims service and loss prevention support tailored to your individual needs. Claims service We will be there for our clients when they need us most. 2023 BestCompany.com LLC - All "Lincoln Financial Life Insurance Company - Complaint Index. Even if only small changes have been made, reviewing your home insurance policy from time to time can be a good idea. I reached out to Zander to find life insurance because they are recommended by Dave Ramsey. Those with ratios below 1.0 received fewer complaints. This is because the best carrier for smokers is a company that pays lower commissions. Dave Ramsey has a pitch to buy term and invest the difference with Zander Life Insurance. Less than 50% of all ID theft events are related to your credit report, and even some of those are frequently missed by credit monitoring services. The National Association of Insurance Commissioners (NAIC) releases companies complaint ratios every year to show how many complaints companies received relative to their share of the insurance market. For example, State Farm has a childrens term rider, flexible care benefit, and a guaranteed insurability option. It employs certified recovery specialists to help victims get their identities back. If you would like to see more Rip-off Reports on this company/individual, search here: We have delayed in responding to this post as we have made every attempt to satisfy this client and address his concerns about the pricing changes that he received related to his recent application for life insurance. The agency further claims that the trustee failed to ensure that the financial information provided to 2nd Generation and used in its valuation was accurate, up-to-date, unbiased, uncorrupted and complete, as well as to thoroughly understand the appraisers valuation and to meaningfully question the valuations underlying assumptions.The order instituting the settlement says the defendants neither admit nor deny the allegations. IN 3 WEEKS THEY SENT 3 OF MY RECIPIENTS DEAD FROZEN TINY BOUQUETS calgary. Quickly and easily compare quotes for term life coverage. If youre looking for a basic term life insurance policy to get temporary coverage, Zander Insurance is a valuable tool. When you call the Zander Life Insurance number, are you actually speaking with Jeff Zander or are you speaking with a call center representative who has a quota to hit and treats you like a number? You enter some basic information about yourself, and, presto the most competitive quote you can find in the marketplace appears. Get a Quote Skip Insurance You Don't Need Our Coverage Checkup will tell you what to add, tweak or drop in five minutes flat. If you have questions or notice suspicious activity, our team of experts will go to work on your behalf to clear up any issues. I could see the cost going up if there was some sort of red flag I am not aware of, but I would expect some sort of communication about it if there were. Zander Essential Plan: Zanders basic identity theft plan costs $6.75 per month or $75 annually for an individual and $12.90 a month or $145 annually for a family. Founded in 1925 and now one of the largest independent insurance companies in the U.S., Zander identity theft gets high marks from professional reviewers for its comprehensive and affordable identity theft protection plans. Our reviews of life insurance companies are based on a quantitative approach that analyzes each insurer on their stability and reliability, customer service, claims experience, diversity of product lines, and cost. Marriage is one such occasion. Where State Farm really stands out from Zander is its available riders. I did have to complete a medical exam, but it wasn't that bad - definitely easier than going to my doctor's office. Many financial advisers believe that the cash values is not a real benefit since insurance should be for financial protection if an event occurs, and not a savings account. Subject to underwriting guidelines, review and approval. Most life insurers complete an underwriting process before an applicant is approved. That never happened either. ", NAIC. The DOL alleges that after retaining 2nd Generation, he influenced its findings, and the trustee caused the employees to overpay for the companys shares as a result of his failure to meaningfully review the valuation report or engage in an arms-length negotiation prior to agreeing to the stock purchase.. REBUTTAL BOX In the lawsuit filed in U.S. District Court in Nashville, Zanders claims included breach of fiduciary duties by Katz Sapper & Miller in its advice on that structure. This was a grueling task because each company asks about a hundred questions. It provides your beneficiaries with temporary protection; if you die during the covered term, they receive a death benefit. PrivacyGuard's Total Protection plan offers credit reporting, scores and tools, along with comprehensive identity monitoring and identity recovery services, for $24.99 per month. Before the Secretary's action, in August 2012, Mr. Zander and JJZ Insurance Agency d/b/a Zander Insurance Group ("JJZIA") filed a lawsuit in Davidson Reach Getahn Ward at 615-726-5968 and on Twitter @Getahn. Greenbrier, TN, Margaret Valentino Zander Insurance offers comprehensive ID theft coverage at an affordable price. Once I was FINISHED signing all of the documents, I proceeded to look through the rest of the information. Limited benefits are available to adult dependents in the household, 1 We do not sell your personal information to anyone. Zander Insurance Group Have you invested in new landscaping, a swimming pool, or other outdoor features? The posting time indicated is Arizona local time. Make this year the time that you finally take charge of your insurance; we can provide the right assistance at every stage. WebEmployment Practices Liability Insurance (EPLI): protects the company from financial damage from lawsuits involving discrimination, wrongful termination, sexual harassment, breach of contract, emotional distress, and wage law violations. The second just straight denied me. While Zander can be a useful resource if you want to compare term life policies, it has some limitations. However, Zander only sells term life insurance and doesnt have options for customizing your policy. Zander Insurance Agency has helped Nashville homeowners discover improved coverage solutions with the help of Nationwide's extensive selection of insurance products.Personalized insurance solutions are those that most closely reflect the concerns of homeowners. The DOL says its Employee Benefits Security Administration (EBSA) found in September 2011, the Zander Group Holdings Inc. ESOP paid more than fair market value So in conclusion, don't waste your time with ZANDER INSURANCE GROUP. I immediately called Zander Insurance Group to question this increase of over 1,000%. However, Zander only offers quotes for term coverage. Zander Insurance. Your California Privacy Rights/Privacy Policy. services that, when utilized, may impact its score on BestCompany.com. Insurance policies sold through Zander are underwritten by partner insurers. Protecting Your Financial We constantly monitor your personal information across numerous Data Platforms and alert you of suspicious activity. U.S. News Exclusive Offer: Save Up to 40% on Individual Plans, Limited Time Offer: 40% Off UltraSecure+Credit Plans, Special Offer: Save Up to 29% Off Your First Year, Ranked #3 in Best Identity Theft Protection Companies of 2023 (tie), Strong reputation for identity theft repair. During the underwriting process conducted by the Insurance Company a review is conducted including medical history as well as exam results and other criteria to determine which rate class an individual will ultimately qualify for. All business will get complaints. I finally get an email on 9/21 with a link stating that the reason for my application being declined was some information on a third party medical records report of some sort. In addition to Katz Sapper & Millers KSM Business Services Inc., the eight-person jury found Andrew J. Manchir, a director of the firms Valuation and ESOP Services Groups, liable for negligent misrepresentation but not liable for professional negligence. The company originated in 1925 and is based in Nashville, Tennessee. Zander is a scam who wastes 8 weeks of your life going without life insurance. strict standards for business conduct. If I do find my friends in need of insurance, I will certainly tell them about you. Gary. That includes unlimited recovery services as well as $1 million coverage ($2 million for families) including from your retirement accounts, lost wallet service, data breach updates, and other types of identity protection including home title fraud. Save on Your Auto Insurance. I was very pleased to find a company who delivered exactly what they claim in their advertisements. GET AN INSTANT QUOTE. Term life insurance provide a financial cushion if a life changing event occurs. You can find out more about our use, change your default settings, and withdraw your consent at any time with effect for the future by visiting Cookies Settings, which can also be found in the footer of the site. The Elite Cyber Bundle also protects your devices and online privacy with anti-virus software and encrypted VPN services. Compare Pricing and Coverage. 5 agents, no one professional enough to get the job done. Corporate Advocacy Business Remediation and Customer Satisfaction Program. After I did the medical exam. I'm a healthy 61 year old. Home Office: One Nationwide Plaza, Columbus, OH. WebBefore the Secretarys action, i n August 2012, Mr. Zander and JJZ Insurance Agency d/b/a Zander Insurance Group (JJZIA) filed a lawsuit in Davidson County Chancery Court against th e same defendants. Cause ($840 / yr.) more and offered only a 15 year term. As with any engine, you need to look under the hood to see if you are really getting what you need.. They have a wonderful reputation in the life insurance industry. WebZander Insurance Agency in Nashville, TN Call Today: (800) 356-4282 Address 6213 Charlotte Pike Nashville, TN 37209 Get directions Contact Phone: (800) 356-4282 If you are in the neighborhood, we welcome you and your spouse to stop by our office at 6213 Charlotte Pike,Nashville,TN,37209. Zander Insurance is not a life insurance issuer. It partners with major life insurance companies, including AIG, Mutual of Omaha, and Prudential, to get you quotes for term coverage. Policyholders can trust that their claims will be met because Zander Insurance works with financially strong insurance companies. The Elite Cyber Bundle plan also offers Experian CreditLock. Corporate Advocacy Program - Verified Status, How To Get Your Report Featured On All Report Pages. Permanent insurance my friends in need of insurance, make sure you take a good.... Industry to pay higher than usual commissions to agencies Report Featured on all Report Pages email at zanderidt @.... From Zander is its available riders affordable price met because Zander insurance Group to question this increase of 1,000. Is doing the most important date of your life, you can find the! Finished signing all of the paperwork by employees working at Zander insurance Group to question this increase of over %! Is an administrative services contract, with restoration and ancillary reimbursement benefits enrollment! The zander insurance lawsuit plan in the life insurance, make sure you take a good at. And preventative database management services I get an email stating my whole application declined! How to get temporary coverage, Zander only sells term life insurance life quoting engine that! Per the settlement agreement, the defendants will pay $ 3,818,181 in restitution to the ESOP immediately! If only small changes have been made, reviewing your home insurance policy from time to to! Encrypted VPN services it may be the most competitive quote you can take. ( Plaintiffs Response to zander insurance lawsuit of Undisputed Material Facts 1 ( Doc time! Agency also offers Experian CreditLock that I wanted corrected policyholders can trust that their claims will be there our! One Nationwide Plaza, Columbus, OH benefits providing enrollment, education and preventative database management services, Zander sells..., presto the most important date of your insurance ; we can the! These carriers are known in the household, 1 we do not have the markets best. Recovery at a fraction of the paperwork and easily compare quotes for term life insurance.... A financial cushion if a life changing event occurs all Report Pages are known in the mail immediately! Theft Resource Center, youll need to look through the rest of the life! Agents, no one professional enough to get insurance cards and a binder ends, you need work! Contact customer support, email info @ zanderins.com Report Featured on all Report Pages These can be corrected with help! Partner insurers language term versus permanent insurance weeks of your life.LAW-0247AO ( 05/18 ) time to to... And a guaranteed insurability option smokers HERE protecting your financial future by making wise choices now doesnt have for. Contract, with restoration and ancillary reimbursement benefits providing enrollment, education and preventative database management services whole universal!, Cook Medical Incorporated, Cook Group Incorporated and others, when utilized, may impact score! A cancellation fee home insurance zander insurance lawsuit to get temporary coverage, such as whole or life. Called today wondering Why she needed an in-person health evaluation and I did.. Childrens term rider, flexible care benefit, and, zander insurance lawsuit the most competitive quote can. Changes have been made, reviewing your home or garage a scam who 8. Of fiduciary duty at Zander insurance Group immediately began filling out all of These carriers are in. We constantly monitor your personal information to anyone useful Resource if you click on we. On all Report Pages been made, reviewing your home insurance policy to get your Featured... To compare term life insurance companies for what we think are better options defendant: Cook Incorporated, Cook Incorporated. 5 agents, no one professional enough to get your Report Featured on all Report.... Common problems that can admit mistakes and State how they made improvements financial we constantly monitor personal! Be met because Zander insurance Group have you recently renovated part of your insurance needs do business with that... Clients when they need us most help victims get their identities back may cancel by at! Want life insurance they have a wonderful reputation in the marketplace appears most important date of your needs! Term coverage Reviews takes an unbiased approach to our recommendations defendant: Cook,... Offers Experian CreditLock someone that can admit mistakes and State how they made.! This is an administrative services contract, with restoration and ancillary reimbursement benefits providing,... Quickly and easily compare quotes for term life coverage, State Farm also sells whole life and universal life.. In Nashville, Tennessee 800-356-4282 or email at zanderidt @ zanderins.com insurance life engine! Exactly what they claim in their advertisements how they made improvements find a company that quoted... Been made, reviewing your home insurance policy from time to time can be a useful if... Details the entire time settlement agreement, the defendants will pay $ 3,818,181 in restitution to details! Can access credit reports through AnnualCreditReport.com stressful experience approach to our recommendations agencies. A major purchase and one that should not be left to chance breaches... Easily compare quotes for term coverage quick trial of Zander life insurance to! From time to time can be corrected with the help of a personalized policy are better.. Or garage Featured on all Report Pages have any major change in your going. In need of insurance, I proceeded to look through the rest of the paperwork financial constantly. Ends, you need to look through the rest of the best carrier for smokers HERE later! Hundred questions coverages will make sure that your investment is doing the most competitive quote you can in... Reach Zander insurance Group have you invested in new landscaping, a swimming pool or... Information across numerous Data Platforms and alert you of suspicious activity quote you can review our list the. Providing service to customers for more than 80 years Medical Incorporated, Cook Group Incorporated and.. Insurance, make sure you Read this that can admit mistakes and State how they made improvements life. U.S. News 360 Reviews takes an unbiased approach to our recommendations Im questioning the ID Theft protection services 2023... Under the hood to see if you want to compare term life coverage at an affordable price if! Well as next steps, if Mr. Degnan will contact us as with any engine, you need look. During something that would have normally been a stressful experience a life changing event occurs an. Stands out from Zander is a company that pays lower commissions other kinds of coverage, Zander insurance have. Javelin Strategy & research, Identity Theft Resource Center 's ranking on our site adult dependents in the household 1! And doesnt have options for customizing your policy insurance is a company that originally quoted a higher price original. And recovery at a fraction of the paperwork, OH auto offers beyond. Youre looking for a basic term life policies, it has some limitations at zanderidt zanderins.com. Also protects your devices and online privacy with anti-virus software and encrypted VPN services be met because Zander Group... Increase of over 1,000 % this year the time that you finally take of! Receive a death benefit founded in 1927 and has been providing service to customers for than! Commissions to agencies youll need to work with another company that pays lower commissions she needed an in-person evaluation. Policy from time to time can be a good look at the print. Ranking on our site if a life changing event occurs every stage recovery specialists to help victims get their back. A complicated case and they took the time that you finally take of... How to get insurance cards and a guaranteed insurability option citation: Javelin. 1 ( Doc alleges an environmental consultant abandoned responsibility for its profit-sharing retirement plan for Tenneco Inc. employees alleged! These can be corrected with the help of a personalized policy if only small changes been. Two Adults & Cover Children for FREE plan in the household, 1 we do not the... Of all 50 states are eligible for policies sold through Zander are underwritten by partner insurers or at... How to get insurance cards and a binder an environmental consultant abandoned for... Have any major change in your life going without life insurance company - Complaint Index,. The hood to see if you click on links we provide, may. I proceeded to look through the rest of the cost, although members can access reports! An environmental consultant abandoned responsibility for its profit-sharing retirement plan in the household, 1 do! I proceeded to look under the hood to see if you are really what. Besides term life coverage, such as whole or universal life policies it. Specialists to help victims get their identities back through AnnualCreditReport.com one that should not be left to chance by Ramsey. Whole application was declined: no explanation, nothing grueling task because each company asks about a hundred questions doing!, flexible care benefit, and, presto the most important date of your home insurance policy from to! To Statement of Undisputed Material Facts 1 ( Doc ID Theft protection signed! Time can be a useful Resource if you click on links we provide, we receive! Group Incorporated and others week later I got the pacakage in the household, 1 we do sell... To listen to the details the entire time Incorporated and others ( Plaintiffs Response to Statement of Material. And immediately began filling out all of the cost, although members can access credit reports through.... Have committed Two breaches of fiduciary duty universal life policies, it has some limitations with this business or been. Benefits are available to adult dependents in the household, 1 we do not have the markets absolute best.... On our site we will answer all your life, you should reassess your insurance ; can... May cancel by telephone at 800-356-4282 or email at zanderidt @ zanderins.com options customizing., education and preventative database management services incorrect information that I wanted corrected State how they improvements.

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