Insurance Agencies are almost to a one, a scam.
(archive.ph)
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Yea they screwed my dad outta 50 Grand in his insurance retirement fund.
It proved to me that a paper trial is vital in dealing with any like them. Because otherwise they'll just outright lie.
When my dad was forced onto disability social security, the life insurance company suddenly didn't get two weeks of automatically withdrawn from his checks payments. Oops, canceled.