Quote:
Originally Posted by Rick Lee
Here's another one I just got off the phone with. Closed these two chain smokers a few months ago. Wife has a heart med (in addition to nitro and insulin) that most companies auto-decline. The cheapest company in AZ will take it, BUT they don't accept credit or debit cards. No prob. He gave me his bank routing and checking acct numbers. He keeps bouncing payments and called to cancel because of the NSF fees. He just told me I used the wrong bank account number. I asked how I could possibly have an acct number of his other than that which he had given me (and signed a form for). Turns out he has two checking accounts at the same bank and gave me the acct. # for the one he rarely has any money in. That's my fault? I even told him the insurance company would reimburse those NSFs, but he's so angry that he wants to cancel, told me he has appts with two other final expense agents next week. I told him he 1) will likely not find a company that will take his wife's heart meds, 2) if he does, they won't take card payments and 3) if they do take card payments, it will be far more expensive than the policy I wrote him. Again, this is why they're poor.
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Update on this one. This woman passed away a month ago. Her husband got even with me by canceling his own policy, but he wisely did not cancel the one on his wife and it will probably pay out. He called last week to nag me about the payout taking too long (like it's my fault an insurance company wants to do some checking on a death claim seven months into a policy). Turns out he submitted a death claim without an
original death certificate. I know it sucks to have to pay to get multiple original death certs, but I'd think someone would spring for the fee to get a life insurance payout. The insurance company won't lift a finger on the claim until the proper paperwork is submitted. Mind you, if these folks had quit smoking when I met them, they'd have saved more money by now than the face amount of this policy. But I knew that wasn't going to happen.