you got bad experience before meh? what makes you say
so?
from your question, it is very clear that you are either an
insurance agent or you have never deal with an insurance agent
before
let me list why insurance agent are assholes
1 - when they call you up to tele-market their 'new'
insurance/savings/investment plan to you, they do not understand
the phrase "I am not interested". they need you to repeat that at
least 5 times before they are willing to hang up. there should be a
law againts pushy tele-marketing tactics and in USA there is but
sucky sin-a-poor dont have.
2 - they drive up the premiums on anything you buy from them, do
you know that part of your monthly payments goes directly to
them?
3 - they like to sell you stuff, get alot of money then quit
(cos even if they quit, they still get paid because all their
previous customer is still making monthly payments). so now you
have a situation that the customer is making monthly payments but
have no one to support them on their enquiries, if customer
stop making the monthly payments, they forfeit whatever they had
paid so it is a lose-lose situation. yes, if you complain enough,
the insurance company may assign another agent to assist you but
this 'agent' is either a newbie and you are his/her guinea pig or
someone who is under performing as their best performing agents are
busy getting new sales.
why insurance companies are assholes
1 - takes years to 'investigate' claims even for very clear cut
cases
2 - they have employees dedicated to finding fault with your
claims, these employees performance bonus depends on the
number/amount ($) of claims they can deny you.
3 - you belong to a family with a history
of diabetics/sufferer of heart diseases or cancer/smokers
= high premiums for you
3 - you missed out any medical details of your family = denied
claim when anything happens
4 - claims for experimental treatments will be denied even when
trials are 100% successful.
5 - when investments they sell go bust, they are sorry that
their agents "may not have" (read - did not) explain the
risks clearly to their customers
6 - when investments they sell go bust, they are sorry that
there is nothing they can do as their agents had quit and they
cannot 'investigate' if their agent use pushy/strong arm/high
pressure tactics for sales
7 - they deem that it is the customer's fault when any
misunderstanding arise, even if it is due to their agents only
being able to speak broken English/Tamil/broken Mandarin even
though 100% of their target market do not speak these
languages,
