Applied for life insurance but changed my mind and the guy called today and cussed me out what to do now?

Question

I told him i no longer wanted to get my insurance through him and he called me a f... cu... and told me i was stupid and he said he owned the insurance company I really want to do something but dont know what to do and some advice would be greatful

Answer 1

First of all don't by insurance through them. Is there a record od the call??? I doubt that owns the insurance company as the owner/owners rarely talk to customers and insurance companies are usually owned by share holders. Contact the customer service center at the insurance company and tell them they may have a record of the call and may be able to take action remember to tell them the persons name if you can remember it. If no action is taken you can report it to consumer affairs or equivelant in you country.

good luck

Answer 2

Call the company you would have had the policy through and let them know of the behavior.  They will most likely apologize, ensure you get a full refund and reprimand him/her.  If they receive multiple complaints like this, he may get his contract terminated.

Answer 3

You should file a complaint with your states insurance department, you can find this on google. Does his business card have a corporate name on it? You can also contact the insurance company he was representing and contact them. Don't let this slide you need to let this guy know he is a disgrace to the profession. Feel free to contact me if you would like help doing this, this kind of thing makes me mad.

Answer 4

Call the insurance company, and complain about the agent's lack of professionalism.

Answer 5

Turn him into the better business bureau. And under no circumstances buy insurance from him, if you have any other insurance through him (auto, home, etc..) change it to another. If he owns the branch of the insurance company (ie alstate or something) then write a letter to the corporate headquarters and tell them what he did.

Answer 6

Wow -- what a head-case. He's probably mad because there's nothing he can do if you didn't sign a policy yet, and even then I think you can still cancel. He doesn't sound like someone who would be exactly swift to pay out the money should the worst happen, either, so it's a blessing you had second thoughts when you did.

If there's an insurance board or professional association he belongs to, drop them a line about his behaviour. If he keeps this up with many people I'm sure there will be a consequence.

Answer 7

State law prevails.

From your statement, I surmise you signed the contract.  The contract was submitted.  You do not wish to accept the policy.  If this is correct, then the company itself will not require the policy be issued.  

Reason:  It can take seven or eight years of continuing premium deposits for the insurance company to turn a profit on your policy.  It is less expensive for the company to not isssue the policy, than to issue a policy that will lapse.

You mention the comments made by the guy who owns the company.  I am making a guess here, and I think he means that he owns his brokerage or agency office.  (As opposed to owning the entire life insurance company.)

Commentary:  The person of whom you speak has a right to free speech.  You have a right to buy from whomever you desire.  

It is incredibly doubtful a state will require a person be civil.  Legal, ethical, honest, yes;  polite, incredibly doubtful.

You can always contact the commissioner, as mentioned more than once above.  This places you in a tough situation.  If state law does not require that he be polite, then you could cause him harm before the state regulatory authority.  If any of the harm includes financial harm, then he couild, could, could file suit against you.  Make  d a r n   sure that you are not in a position, in your state, to be on the receiving end of a lawsuit.

He called you a name.  This is not defensible in civil discourse.  It may be defensible in a civil suit.  (His suit against you.)

He said you are stupid.  If his suit includes this, you may have to show the court (to the court's satisfaction) that you have a sound reason for rejecting the policy you had previously approved.  

Before the law, you have not been harmed financially.  Emotionally, yes, but this is a tougher suit to press.  (Pun intended.)

If you file a complaint that he considers an attempt to cause him harm for exercising his free speech rights, that complaint will cause him financial harm.   Under state law, he may then have a right to compensation.  That compensation would be for the entire cost of his defense.   If you think that could be a hard bullet to dodge, comes now the Howitzer:

He could seek punitive damages.