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This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

Content is the opinion of the author and does not represent the position of any other person or entity. Information is from sources believed to be reliable but cannot be guaranteed.

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Lost insurance application

originally posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If you notice an error or are in doubt, please send a new question by email or ask for an update. Email

Q: Some time ago I applied for a policy through the Benefit House Web Site. I was wondering the status of that policy?

A: OnlineAdviser service (my affiliation) supports many of the online benefits enrollment sites but we are unfamiliar with this Web site. The larger enrollment firms like and all of the other OnlineAdviser sites confirm applications received within one business day. A long delay in response probably indicates a problem. We suggest that if you experience a delay of longer than one day following receipt of an application, then follow-up with a telephone call. If you paid by check and that check remains uncashed after a long time, you should assume that there is no insurance in force and that this is possible "lost in the mail". For faster and safer results in the future, please use the direct online enrollment links at or any other Web site with the "OnlineAdviser logo. You can be assured of immediate electronic confirmation of your application and coverage status.


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