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Sunday, June 03, 2007

I Get Mail

Last year I posted about an ad I saw for the Shemirah Bedarchim Insurance Policy. This year the company seems to have switched over to a direct mailing campaign. From a letter received by mail:
Dear Traveler:
Imagine being able to purchase insurance that could actually preent accidents; saving you and your family from potential tragedy.

According to the Insurance Institute for Highway Safety, over 40,000 people die in motor vehicle crashes every year. Many more suffer injuries and financial loss. Among those cold statistics are hundreds of people from our community - friends, neighbors, and relatives (r"l).

During the coming travel season, more people than ever will be traveling by car, plane and other means to fun-filled destinations across the globe. How can you possibly ensure the safety of your family?

The Shemirah Bidrachim (Traveler's Protection) Insurance Program

For just pennies a day, you will receive the ultimate protection from harm while driving, flying sailing, or even just walking. Ordinary insurance provides financial reimbursement in case of an accident, but Shemirah Bidrachim can prevent the accident from happening in the first place. Thousands of people have already done just that.

How does the Shemirah Bidrachim Insurance Program work?

Individuals who wish to have added protection from danger while traveling simply sign up for the insurance policy using the enclosed Activation Card. Close to two thousand children in our yeshiva will recite Tehillim (psalms) and additional special tefilos (prayers) of protection for you. The purity and innocence of their Yiddishe neshamos (Jewish souls) infuse their piercing tefilos with the power to protect.

This remarkable protection has been credited with directly saving Jewish lives. In fact, Shemirah Bidrachim was first offered in Israel over 15 years ago in response to the surging rate of auto fatalities.

Coverage is provided by the Ashdod Mercaz Chinuch Project with the support of leading Gedolei Yisroel, including:
  • Hagaon Harav Shmuel Halevi Wosner (SHLITA)
  • Hagaon Harav Yosef Shalom Elyashiv (SHLITA)
  • Hagaon Harav Ovadya Yosef (SHLITA)
And it is now available to you with this special offer.

Special Summer Savings with Instant Activation

The summer travel season is just days away! Because of the urgency, I've arranged for your policy to be set up immediately. For just $30 (about 50 cents a day) you are covered 24 hours a day for the entire summer. Isn't your peace of mind worth that?

In exchange, your fee will be used to cover the costs of maintaining the Ashdod Mercaz Chinuch Project in Israel. Your policy will help provide a Jewish child with a license to succeed in life by getting the best possible Jewish education,

Please do this now: complete and mail back your Instant Activation Card (enclosed) or call 1-877-SHEMIRAH now. This immediately activates your policy. You'll then be fully covered. You will also receive by mail an official Certificate of Protection, signed and dated by the director of the yeshiva and the Chief Rabbi of Ashdod.

When you join our thousands of Shemirah Bidrachim members, you become a partner in the Torah and tefilos of our children. In that merit, may Hashem make you reach the destination you desire in peace and return you to your home in peace.
Sadly, I see nothing in the letter about a free month of National Geographic with subscription, or the throwing in of a limited time offer of the Shemirah Bidrachim commemorative coins for the first 100 to call the hotline.

Of course, this offer does have some of the other hallmarks of your standard direct mailing campaign - there's the disclaimer, in the expected fine print:
Policy Terms:
The Shemirah Bidrachim Insurance Policy will provide protection from harm to the policy holder when he/she is driving a vehicle, flying an airplane or traveling on foot. The policy holder should never be harmed by, nor harm, anybody. The protection is based on trust in the merit of tinokos shel beis raban, whose study and prayers keep the world in existence. Their learning and praying protect and save all the supporters of their holy Torah study. The insured will continue to fulfill the command v'nishmartem maod l'nafshoisechem by reciting tefilas haderech and observing safe and legal driving practices. In exchange for a contribution made to the Ashdod Mercaz Chinuch Project, the pupils will study and recite pirkei tehillim daily, and entreat G-d to protect and save the insured from any trouble and distress and lead him toward peace, emplace his footsteps toward peace, and have him reach his desired destination for life, gladness and peace, and send blessing and success in all his endeavors, wherever he may turn. This agreement is a mere spiritual agreement! It does not constitute any grounds for the Insured to claim money from Ashdod Mercaz Chinuch Project.
And don't forget about the money-back guarantee:
100% money-back guarantee
If, during the first month, you decide Shemirah Bidrachim is not what you want, just cancel. We'll refund 100% of your money, even if you've benefited from our policy.
One has to wonder what would have to happen, God forbid, to force someone to decide that the policy is "not what they want".

53 Comments:

Anonymous Anonymous said...

http://www.protectionontheroad.org/how_it_works.asp

Check it out online.

10:07 AM  
Anonymous Anonymous said...

Not to be believed.

10:14 AM  
Anonymous Anonymous said...

this post is very similar to a recent post on harry marlys' blog. this is not new

11:15 AM  
Anonymous Anonymous said...

There are those individuals that will think that this is instead of their personal auto insurance policy.
Collecting tzedekah has reached the newest heights of creativity. I wonder if the signaturees are aware of this entire project.

11:34 AM  
Blogger Zach Kessin said...

Personally I would sugest wearing a seatbelt and driving safely.

giving these people money will do nothing to change your accedent risk factors.

11:36 AM  
Blogger orthomom said...

Anonymous said...

this post is very similar to a recent post on harry marlys' blog. this is not new


It's also, as I note above, very similar to a post I wrote almost a year ago. As I point out, this is the first time I received a direct mailing from them - not the first time I became aware of the topic.

11:46 AM  
Blogger Still Wonderin' said...

How puke-worthy.

And it speaks volumes about the rabbis who supposedly endorse this fraud.

1:04 PM  
Blogger Zach Kessin said...

First thing that comes to mind is "Don't set a stumbling block before the blind" The second one is that insurance is a regulated industry, and I'm wondering if this breaks any laws.

I would love to see someone arrested and sent to jail for this kind of bullsh*t. I really hate this crap

1:37 PM  
Anonymous Anonymous said...

I doubt those who signed where told the full shtick. People use Rabbi's names and "gained" approva;l by just telling them alittle about the program

1:40 PM  
Anonymous Anonymous said...

Hey now...
I can understand that people are less than comfortable with the idea that this "service" is being sold, but if you really think that children saying Tehillim in your zechus doesn't help matters, that's a different issue altogether. I would hope we all believe in the power of prayer - why should this be an exception?

2:41 PM  
Blogger YMedad said...

OM, please consider this as a possible post for next year's JIB awards in the category of...humor. I dn't think there's one for rip-offs or swindle-schemes as yet.

2:58 PM  
Blogger Rebecca said...

I was under the impression that Jews also didn't believe in the selling of indulgences? Why would a group of children saying Tehillim for utter strangers help in any way?

4:15 PM  
Anonymous Anonymous said...

rebecca what does praying have to do with selling indulgences.
praying helps for whether you know the person or not so why wouldnt it help here.
yes i dont agree with selling it but why wouldnt the prayers help

5:18 PM  
Anonymous Anonymous said...

What a rip off. How can one intercede with G-d's will. Also, this is a form of idolatry.

7:36 PM  
Anonymous Anonymous said...

7:36 without discussing the pros or cons of this particular venture any prayer is interceding with G-d's will. We pray every day because G-d is receptive to our prayers.

10:40 PM  
Anonymous HAGTBG said...

If they believe they are selling a service, can it really be tax deductible? That is "for profit."

All IRC section 501(c)(3) organizations, including churches
and religious organizations, must be organized and operated
exclusively for religious, educational, scientific, or other
charitable purposes, and must not provide a substantial benefit to private interests.

They claim they are insurance. If they give you a tax receipt, they don't believe their own advertising.

Do you think they believe it?

Anywaym, at least they were clever enough to say it only applied to certain types of accidents. Otherwise they'd be selling an immoratality contract. And why shouldn't they?

In all seriousness, this type of advertising seems so slimy.

10:43 PM  
Anonymous Anonymous said...

Hmmm. I think we need to lighten up. This seems like a fairly creative fundraising campaign. Hey, you want offensive? I'm not comparing tzedaka with commerce, but a local Jewish store has an ad featuring a old-school rebbe brandishing a ruler. The copy has him threatening readers with a swift slap to the hand if they don't shop at his store. I'm sorry; corporal punishment is just not funny. And it's certainly not getting me to drop by.

12:11 AM  
Blogger Jameel @ The Muqata said...

I wonder if their insurance works if the policy holder drives on shabbat?

4:13 AM  
Blogger triLcat said...

Lemon wedges and Dramamine all around, please.

anonymous 5:18 - prayers are wonderful, but when they're sold like this, there's nothing wonderful about it. If you think the prayers are even really happening, you're probably delusional. But even if someone is actually saying tehillim, calling it insurance and selling it as a service is just sickening.

10:16 AM  
Blogger Harry Maryles said...

I posted about this phenomenon myself about a week ago. It was about another Tzedaka hawking Segulos in the name of Tzedaka only this one preyed on the misfortunes of thise who desperately try to get pregnant:

“You want to have children?” “Trying to get pregnant and have been unsuccessful trying everything?” “Well………….. send us your money and we can almost guarantee you a child in nine months!”

If we keep going in this direction we are going to become a nation of superstitious idiots. Rav Elyashiv has already dealt harshly with another Segula selling Tzedaka organization. They sell Red Segula Strings. He said a charity sells those as a fund raining tactic, it is best to give your money to another Tzedaka.

As for those who supposedly signed on to the Segula you are talking about… well, I’m very skeptical whether they actually did.

1:03 PM  
Blogger Zach Kessin said...

I posted about this phenomenon myself about a week ago. It was about another Tzedaka hawking Segulos in the name of Tzedaka only this one preyed on the misfortunes of thise who desperately try to get pregnant:

“You want to have children?” “Trying to get pregnant and have been unsuccessful trying everything?” “Well………….. send us your money and we can almost guarantee you a child in nine months!”

If we keep going in this direction we are going to become a nation of superstitious idiots. Rav Elyashiv has already dealt harshly with another Segula selling Tzedaka organization. They sell Red Segula Strings. He said a charity sells those as a fund raining tactic, it is best to give your money to another Tzedaka.

As for those who supposedly signed on to the Segula you are talking about… well, I’m very skeptical whether they actually did.


Snake oil sales men the lot of them. If you want to pray I'm right there, but telling someone that if they just give a little to your organization will cause all their medical problems to disapear is really scary. After all what happens when they don't.

1:09 PM  
Anonymous Observer said...

Wait until they start asking us for money to by tfillot for those too poor to pay others to daven for them. Hey, maybe I can get in on the ground floor on that one. I would of course only take off enough to cover my overhead expenses including salary and airfare to summer camp. All the rest would go to pay those who are already davening to add the name of someone else who can't afford to pay someone else to add their name directly.

10:19 AM  
Blogger carrie said...

it boils down to this: if the person(s) behind this really believe that "innocent yiddishe neshamas" saying tehillin for you will protect you (and a lot of people do believe that), then there's nothing wrong with what they're doing.

if they don't really believe this works, then they are the lowest form of slime on the earth.

but who are we to know what's in another person's heart?

10:40 AM  
Anonymous Observer said...

Carrie: I think the problems people have with this is mass-marketing via unsolicited mailings and charging for the service. as well as the marketing of this as a type of "insurance" and promising positive results. I have never heard a complaint about the numerous positings on the Five Towns e-mail lists either asking people to daven/say tehilim for someone or requesting names to daven/say tehilim for. I think virtually everyone here (whether they think it helps or not, and I kinda do) thinks highly of those who daven/say tehilim for others at no cost.

11:05 AM  
Blogger Carrie said...

i think highly of people who do it for free, too. but still, when my father died, we had a mesivta say kaddish for him for a year, and we gave them a hefty donation.

i do understand the difference: they didn't ask for it, and i'm sure they would have done it for free if we said we couldn't afford to donate money.

11:08 AM  
Anonymous Observer said...

Carrie: just to be clear, I in no way intended to imply that you didn't think highly of people who do it for free and hope you didn't take my last post that way. I don't even have a problem with people who do it for money (such as a mesivta saying kaddish). It is the marketing (especially if misleading) which offends.

11:48 AM  
Blogger Carrie said...

no offense taken, i didn't think anything of the sort. and i agree that marketing schemes tread a very thin line.

i just don't think this is misleading, at least i wasn't misled at all. you are subsidizing the prayers of some students, in the hopes that it will protect you in some way.

i just think that if the person who runs this really believes that this works, then he's not bilking anyone; he is performing what he considers a useful and valuable service.

i am an enormous cynic, and i immediately assume, like many did, that this is a sleazy way to raise money. but then a small part of me desperately wants to believe that there are noble souls behind this.

i'm probably wrong.

11:58 AM  
Blogger DAG said...

This is unacceptable. Tzedakahs can be creative without attempting to defraud or mislead people.

If the purveyors of this Tzedakah truly do believe in the power of their Tefillah, why offer insurance to travelers as opposed to, say, terminally ill cancer patients?

Simply put, the vast majority of people will not be involved in a serious car accident over the summer. Yes. We are all familiar with people who did suffer serious injury or death in their cars. And yes, it is relatively safe to predict that we will hear of similar stories this summer. BUT, those numbers represent a small fraction of the total population.

Even worse, the insurance providers can even claim that a fatal accident is a proof of how well their insurance woks. It can be claimed that EVERY accident that does not include a 100% fatality rate would have been worse, had it not been for the merit of the Tefillahs. I can see the ad spot now featuring an injured mother, who lost her husband in an accident, claiming that neither she nor her seriously injured children would have survied had it not been for the power of the Tefillahs.

On the other hand, the vast majority of terminal cancer patients will die. Yes, one can argue that a patient may have lived slightly longer because of the merit of the Tzedakah, it is hardly the kind of policy that would sell.

If this organization truly believes it can cause Hashem to repeal a Gezarah, why only provide insurance for travel? Why not offer miracle cures?

The answer is obvious. This organization knows that unless there is a rash of unexplained accidents that disproportionately affected policy holders to the extent that it is common knowledge that their policy failed, they are providing a policy based on an unproveable assertion. It is a very safe bet. That's playing on people's fears, not representing their Bitachon.

Let them put their Teffilahs where their Bitachon is. If they truly believe they can save lives with their Teffilahs, let them make their guarantees where the statistics are not in their favor. I guarantee they won't...yet

12:57 AM  
Anonymous Hashem said...

Yep, this insurance really works. You better believe it, buddy. Why, just the other day, this crazy fellow was speeding 45 miles over the limit and the car swerved into the oncoming lane. I was just getting ready to welcome another neshama to Gan Eiden, but then I remembered! He sent a thirty dollar check to this group a week ago and some kids read his name off a huge long list before they davened. Well, I quickly swerved his car back to where it belonged. I guess this car crash thing will just have to wait until he forgets to pay his annual premium.

9:10 PM  
Blogger Chana said...

I realize I'm coming in late on this, but why couldn't they just use the insurance policy angle as parody for their fundraising campaign instead of copying the goyim with the deceptive fire and brimstone type of mailing. That's what makes me sick about this.

You know, insurance policies may provide 'peace of mind' but they only cover our material and physical needs (and then not necessarily 100%), but our tefilot to HaShem provide us with our spiritual needs... etc etc

Excuse me while I scoot my idealistic tuchas back to my blog...

12:21 AM  
Blogger rabbi sedley said...

OM, please consider this as a possible post for next year's JIB awards in the category of...humor. I don't think there's one for rip-offs or swindle-schemes as yet.

Do you think you can take out tehillim insurance to make sure you win the JIB awards?

Rabbi Sedley

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It puts the death of the jews at the hands of the nazis in a most ridiculous position.

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