LauraA
07-02-2008, 10:05 AM
In early April I applied for life insurance. I had the medical exam, had my medical records sent to Am Fam and all that. Our agent told me about a month ago that I was accepted and at the select rate (Best/lowest rate). I didn't get a bill, didn't get a bill, didn't get a bill. So yesterday I emailed him and asked him if everything is ok with the life insurance, and that I've not gotten a bill or any confirmation yet. He said he'd been busy with flood claims and just mailed it out yesterday. Then it said that because of my sleep apnea, I get the premium rate, not the select rate. I told him that I no longer have sleep apnea, and haven't had it for over a year. I reminded him that he told me I was accepted at the select rate. He said he'd talk to underwriting and get back to me next week.
This is hogwash. Why did he tell me that I was accepted at the select rate and now I'm not? I think he didn't get my paper work in on time and I've turned 50 now, and the rates went up. It's $240 more a year!
If he doesn't push this through at what I was quoted and accepted at, I will not get the life insurance, and will also cancel our 2 cars, camper, boat and house insurance with him. Dan and I are very frustrated. Since I've turned 50 now, any place I go will have higher rates.
Advice, suggestions? Who do you have insurance with and do you like them?
This is hogwash. Why did he tell me that I was accepted at the select rate and now I'm not? I think he didn't get my paper work in on time and I've turned 50 now, and the rates went up. It's $240 more a year!
If he doesn't push this through at what I was quoted and accepted at, I will not get the life insurance, and will also cancel our 2 cars, camper, boat and house insurance with him. Dan and I are very frustrated. Since I've turned 50 now, any place I go will have higher rates.
Advice, suggestions? Who do you have insurance with and do you like them?