Complaint Review: AFLAC

In May 2005, my husband had an AFLAC agent come to our home and speak with us about Hospital Indemnity Insurance. After listening to her speak about the product we decided that this product was something we would be interested in.

We gave this agent our bank account information and asked her to wait until Friday to process the application because we needed to wait until my husband got paid. Unfortunately, my husband and I had a financial emergency arise and could not afford to have the policy taken out that week. I contacted our representative and asked her to hold on to our policy until May 31st (which was a Tuesday).

On Friday, May 27th, I contacted our agent again and informed her that my husband and I were not going to be able to afford the AFLAC policies at this time and to PLEASE NOT send in the policy information. I had to leave a message on her cell phone because I was unable to get in touch with her personally.

On Tuesday, May 31st, I received a message on my home phone from our agent. This is what the message said: "Ashley, I am a little confused as to why you aren't able to get the AFLAC policies that we talked about. You kept asking me to hold on to the policies and you would contact me when you were ready to process these policies. It bothers me that I took time out of my schedule and hired a babysitter so that I could come talk to you and your husband about AFLAC. I didn't get your message until this afternoon and I sent your policy in to the office this morning at 5:00 am."

I contacted her immediately and told her that I wanted both of the policies that I had signed up for cancelled IMMEDIATELY. She assured me that that she would send in the cancellation that day (Wednesday, June 1). I contacted AFLAC's main customer service department (Friday, June 3) and they informed me that they had never received a cancellation notice, so I faxed a request for cancellation in to AFLAC myself.

In the meantime, the money for my policies came out and completely screwed up my bank account. I was assured by my agent that once my cancellation was received at AFLAC that I would be issued a FULL REFUND! To this date (June 15th) I am still waiting for them to process my cancellation and send my refund!

I will NEVER recommend AFLAC insurance to anyone. My sister currently has an AFLAC policy and she is having problems as well... and can not seem to get in contact with her representative!

Ashley
Wendell, North Carolina
U.S.A.