Question about CCW Safe self defense "insurance"

[blues7]

Yeah, but that's a pretty good deal for them. If every member is paying $40/month, that's $1.6M/month they're bringing in. $19.2M/year is pretty decent income for a service that has a very small likelihood of being needed.

Ultimately, it can be good for them and good for us. The more members they have, the lower the cost should be. I doubt they intend to lower their premiums though.

I would venture that most members have the base policy which is either $149 (LE and MIL), or $179.

Coverage for civil trials and (up to $1MM) judgments adds $220 annually.

(There are discounts that can be applied via various training sites to the best of my recollection...)

So, assuming that most go with the standard policies, that would be significantly under $40 / month (on an annual basis) per member if my presumption is correct. More like $12 to $15 per month.

If you have assets, liability coverage could make a great deal of sense, however.

 

[haywood]

I would venture that most members have the base policy which is either $149 (LE and MIL), or $179.

Coverage for civil trials and (up to $1MM) judgments adds $220 annually.

(There are discounts that can be applied via various training sites to the best of my recollection...)

So, assuming that most go with the standard policies, that would be significantly under $40 / month (on an annual basis) per member if my presumption is correct. More like $12 to $15 per month.

If you have assets, liability coverage could make a great deal of sense, however.

I went with the $179. a year policy. I figure the chances of needing it are slim but.........and that but could cost me mine. Hell I blow more than that a year on junk food.

 

[blues7]

I went with the $179. a year policy. I figure the chances of needing it are slim but.........and that but could cost me mine. Hell I blow more than that a year on junk food.

I noticed you only mention junk food. (We'll leave guns and ammo out of the equation. )

Nobody knows what the future holds and if we all had the benefit of hindsight in advance we might have the luxury to tear up our insurance policies or maybe invest or save less.

For me, as a retired LEO who had the discipline to put aside money and invest toward a secure future, I'm unwilling to chance being left financially devastated by tragic events outside of my control.

Like any sane individual, I hope I never have to use the coverage but I'll rest easier knowing that it's there than to chance leaving my wife with much less in the event of a tragedy not of my making.

 

[haywood]

I noticed you only mention junk food. (We'll leave guns and ammo out of the equation. )

Nobody knows what the future holds and if we all had the benefit of hindsight in advance we might have the luxury to tear up our insurance policies or maybe invest or save less.

For me, as a retired LEO who had the discipline to put aside money and invest toward a secure future, I'm unwilling to chance being left financially devastated by tragic events outside of my control.

Like any sane individual, I hope I never have to use the coverage but I'll rest easier knowing that it's there than to chance leaving my wife with much less in the event of a tragedy not of my making.

I feel a little at ease now since I joined. I have had it on my mind for quit some time. I must admit I don't retain or understand a lot of this stuff. It was a great help to see how others responded. The "frosting on the cake was your videos, thanks for posting them.

 

[blues7]

My pleasure, haywood, we're all in this boat together.

I should also mention I have no relationship with any of these companies outside of the research I've put in on my own time, and my own membership fees.

I let my membership in another program lapse this past summer in order to join CCW Safe as it afforded, in my view, the most comprehensive coverage, (criminal and civil), at the most competitive price.

I also spent way more time than I wanted reading fine print and minutiae.
CCW Safe had the least restrictive policy and fewest "gotcha" clauses.

To be honest, I was also very impressed with the lengthy correspondence I conducted directly with Stan Campbell, (COO of CCW Safe), over a period of several days. He answered all my questions and concerns directly and unequivocally, never farming me off elsewhere or hedging his answers.

Not once during the entire time I was evaluating the company did he try to give me the hard sell. He just answered my questions and shared some personal background on his LE career, as I did mine.

While we may never be sure that our choices are perfect, I am content that I made the best decision based upon the available information and a careful reading of the underlying contract.

 

[Czechvar]

Legal Protection Products for Gun Owners is not as transparent as it should be...There are a lot of companies just working an angle to make a buck. I do wish there was an impartial Reviewer we could rely upon to sort through all the BS fine print and maintain case histories of each company.

 

[Czechvar]

I've been reviewing CCW Safe based on comments in this Thread. They do seem to communicate better than my FLP. I wrote CCW for a plan quote. I might flip.

 

[blues7]

I've been reviewing CCW Safe based on comments in this Thread. They do seem to communicate better than my FLP. I wrote CCW for a plan quote. I might flip.

The plans and prices are listed on the site.

 

[Czechvar]

The plans and prices are listed on the site.

I went ahead and flipped to CCW Safe. Took the $149 + Civil Liability Coverage. So my monthly fee is $33...And if I'm understanding this correctly, It will cover my Florida Permit States and my Minnesota Permit.

I hadn't been with FLP too long, but one area they lack in is communication. Their website hasn't updated since I joined in June, nor have I received any correspondence, which had me a little concerned.

 

[blues7]

I went ahead and flipped to CCW Safe. Took the $179 + Civil Liability Coverage. So my monthly fee is $35...And if I'm understanding this correctly, It will cover my Florida Permit States and my Minnesota Permit.

I hadn't been with FLP too long, but one area they lack in is communication. Their website hasn't updated since I joined in June, nor have I received any correspondence, which had me a little concerned.

Your CCW Safe coverage will apply anywhere you can legally carry in the USA. So any state that recognizes your permits...with the usual exceptions for post offices, gov't buildings, school zones etc.

Check out their many podcasts and resources that are listed on the site. I've read or listened to a bunch since I joined.

Also took advantage of a discount on Andrew Branca's excellent book on the laws of self defense. (Provides information by state in the appendix. Very useful stuff, imho.)

I don't know anything about the company you were with but I think you made a good decision in going with CCW Safe.

 

[Czechvar]

I might upgrade to the Ultimate Plan after a few months...It's only $7 a month more than I'm paying now, except it's a $500 lump sum payment. Christmas is coming, and College expenses take priority.

 

[blues7]

I might upgrade to the Ultimate Plan after a few months...It's only $7 a month more than I'm paying now, except it's a $500 lump sum payment. Christmas is coming, and College expenses take priority.

Just make sure that the additional benefits make the upgrade worth the additional outlay for you. Only you can make that decision.

 

[fatcat3]

of course its a good idea. so is house, fire, flood, car, health, meds, medagap, pet, mortgage, extended warranty, income protection,....................... I'M SO INSURED I CAN HARDLY PAY MY TAXES, but barring alien abduction i'm covered.

 

[blues7]

of course its a good idea. so is house, fire, flood, car, health, meds, medagap, pet, mortgage, extended warranty, income protection,....................... I'M SO INSURED I CAN HARDLY PAY MY TAXES, but barring alien abduction i'm covered.

Not that I'd ever recommend it, but maybe if you were a customer of Alien Gear they'd hook you up with some sort of protection.

 

[Czechvar]

Just make sure that the additional benefits make the upgrade worth the additional outlay for you. Only you can make that decision.

Are you kidding...I'd get two challenge coins and a T-shirt...

BTW, I got an email from Stan Campbell this afternoon. I told him I was Retired Air Force and he switched me over to the Protector Plan +Civil Defense. Very quick response, and I told him you said good things about him.

Got three emails from Stan on a Sunday, he updated my plan and added my Florida Permit. I apologized for keeping him busy on a Sunday, but he didn't mind. I already think this was a good decision.

 

[gman51]

A few years ago there was a man in Houston that shot someone that robbed a neighbor and also became a threat to him. The man shot and killed at least one of the robbers. He won his case of self defense but he himself said he would not do the same thing again. Before the shooting he was retired and was fairly well set for his retirement. He lost all his savings and his home. Yep he was found innocent by a jury but it cost him all he had. He said he wouldn't get involved again in the same way.

 

[Old Arkansawyer]

Often times HAVING insurance is an attraction to attorney's to sue you, I was a cop for 30 years and never put a dime in my name, my wife owned everything, my wife inherited land and money and securities and its all in her name. I was sued for millions of dollars in federal and state courts (unsuccessfully) I was in a 5 man detective unit and over the years every one of us was sued (we were indemnified so we had to wait for our suits to be resolved before we could retire) If U have insurance you're more likely to be sued....the claimants lawyers will attempt to get a settlement from your insurance coverage, they do it every day.

It seems some unnamed trust owns most of the stuff around me.

 

[ISCS Yoda]

The Joe Horn case

A few years ago there was a man in Houston that shot someone that robbed a neighbor and also became a threat to him. The man shot and killed at least one of the robbers. He won his case of self defense but he himself said he would not do the same thing again. Before the shooting he was retired and was fairly well set for his retirement. He lost all his savings and his home. Yep he was found innocent by a jury but it cost him all he had. He said he wouldn't get involved again in the same way.

As I recall this case, he was wrong from the outset. He came out with a shotgun to chase ne'er-do-wells away from his neighbor's house. And that was AFTER he told 911 he had a gun and after they told him to stay inside. The reason that he was not convicted, or was no-billed, was because after he came out the perps made the stupid error of heading towards him instead of moving away. Arguably, that put him in fear for his life. As that was not 100% clear it cost him some money convincing independent jurors of his innocence.

HE HAD NO REASON TO GO OUTSIDE.

Insurance covers a lot of things but it can't cure stupid.

 

[jaaeatax]

I had them but I asked them if they would cover an area in Chicago that was a no gun zone in a self defense shooting and CCW said no. Chicago had too many places. USCCA said they would cover any legal shoot regardless of the place it happens. They pay upfront now. No civil judgement though.

 

[jaaeatax]

If you enter a restaurant with a no gun sign and get into a self defense situation you are not covered by CCW safe. Chicago is loaded with them. You can't even attend an event in Chicago they are automatically no gun zones. On the lake front you may be walking on the path and be in a no gun zone and not know it. Too many exceptions in that insurance policy. I had them and switched to USCCA. Check that again. They pay up front now.