Complaint Review: Pioneer American Insurance Company - Waco Texas

I usually don't talk to salespersons who call me on my home phone, but unfortunately for me, I took this call from the Pioneer American Insurance Company.  I had been thinking of buying life insurance so this is why I listened to their spiel.

A man named David Barry told me about the different types of life insurance they offered.  He wanted information from me, supposedly to "enter into the computer to see if I qualified" for any of them.  He wanted my bank information.  I was hesitant and told him it made me uncomfortable.  He assured me that it was only to verify if I did qualify for anything.  He also asked me tons of questions, like who I would have for beneficiary, if I 'would' have direct withdrawal from my bank, etc... IF I were to have a policy with them.

At the end of the call, he asked me to "voice signature" to verify that he did indeed explain all the information to me.  So I did. 

He said they were going to send me information about the various policies available.  He did NOT say I was actually signing myself up for a policy as a done deal.  I waited for this to be mailed to me.

Next thing I know, I receive an ACTUAL policy, all set up for automatic withdrawal from my bank!  I was in a panic.  I called their company, called the phone number they provided, and cancelled the policy.  They said I had to wait to receive a form from them to fill out and send back.

I did do this, but I was so upset by all of this that I left them a couple of voice mail messages about it and also wrote how I felt about their crappy business practice on the forms I sent back to them.  I forgot to sign it and other things, so they sent the form back, wanting social security number, signature, etc.  On their letter back to me they stated, "Our records indicate that you completed a Voice Application over the telephone on May 23, 2012 for the above life insurance policy.  The representative was David C. Barry."  This is the part that is a lie, and if they had it recorded, they would have to admit it!  All along throughout the call I kept asking this man for reassurance that this was only for getting sent information, and not signing up for the policy! 

I hope you will look into this.  I lost my husband several years ago and have been scammed a couple of times since then without him here to help me, I admit I am a person who is vulnerable, not very street smart and have been cheated before.  This was the final straw.  I think the way these people guide and push a person into signing up for a policy without realizing it is a dirty cheap way to do business, and I've never gotten an apology from them and am furious about the whole thing.  All because I was polite enough to listen to a salesman on the phone! 

Thank you for your website here, it's a good thing to do to help other people like me who have been scammed.  They have not taken any money from me (yet) but they have my bank info and I keep calling to make sure. 

Thanks for your time!

Sincerely,
Deanna Koorsen