Phil
Coloma,#2Consumer Suggestion
Wed, October 19, 2005
It sounds as if you gave your agent clear instructions to not send in the policy until you gave the go ahead. And you were ignored. I can very much appreciate your frustration with this situation. However, as an Aflac agent, I can guarantee you the problems you are experiencing are the fault of your agent. You gave a simple instruction to your agent that was confirmed by her in the message you recieved on your answering machine: "You kept asking me to hold on to the policies and you would contact me when you were ready to process these policies." Unless you contacted her and told her to process them, she is in the wrong. Please understand that insurance agents are not employees of their insurance companies, rather INDEPENDENT representatives of them. Your best bet is to file a complaint against HER (not the company) to your state's insurance commissioner. If she recieves multiple complaints, or any serious ones, she can have her insurance license revoked, and wont be able to do things like this to you or other people in the future. I am terribly sorry for what happened to you, but please keep the blame where it belongs - on the agent, not the company. If I were licensed in NC, I would get in touch with you and show you how it should be done.