Halpern Larry M-Insurance & Financial Services

Save yourself a horrible experience and potentially thousands of dollars in unnecessary insurance expenses. I was referred to Larry to set-​up a new insurance policy for my family, for which he could have made any easier. He told us that everything was good to go in terms of the policy taking effect right when our previous policy ended. 20 days into when we thought we were covered, we received a letter from the Insurance company saying that our coverage would be starting the following month. I called Larry to find out what happened, he backtracked and blamed some changes on ObamaCare. Since we then had less than 10 days to go before coverage would kick in, we moved on. Fast forward to 11:45pm, 15 minutes before our new coverage would kick in and my wife was rushed to the hospital in an ambulance. $ 13,000+ in medical bills followed. Even though she wasn’t admitted into the hospital until after midnight and all the tests were performed well after midnight, the insurance policy (not a cheap one) that Larry hooked us up with refused to pay a dime based on the ambulance time at 11:45pm. Upon calling Larry for help, he got extremely defensive and refused to help us in any way — telling us that his job is only to sign us up for the policy and he can’t get involved with actual claims. Now that several years have passed, I’ve discovered that Larry wasn’t exactly telling us the truth. He could have fought for our coverage and he probably could have made a difference, but as we’ve been told by other insurance brokers — he makes more money based on keeping quiet in situations like that.
There’s a lot more to the story but I’ll leave it at that — just know that Larry isn’t nearly what he comes across as and will end up costing you a lot of money in the long run.