I’m sure you’ve gotten these as email or snail mail. “You are pre-approved. Just fill this out and we’ll send you a quote for the policy that is right for you.”
You are not pre-approved. No one will every pre-approve me for life insurance. There is too much wrong with me. If they do accept you (Garry was great, no problems worth dying for), they do not send you a quote.
If they figure you are not on death’s door, they sign you up for a policy. No quote. No prices for various amounts or types of policy or for that matter, an explanation of exactly what your policy includes. No paperwork at all.
You get an email telling you that you have a policy. This is immediately followed by a bill that will probably knock your socks off.
If this hadn’t happened to me previously with another company, I would have been more upset. I thought I could just tell them to turn it off because we had not applied for a policy. Nope. They had to hear it personally from Garry.
Garry is not currently taking phone calls for reasons I explained with due diligence. They explained he would then have to write them a letter. Which he isn’t going to do because he’s having trouble finding keys on the computer, so a letter — unless I wrote it myself — was a no-go. His disorientation is real, though it is getting better.
I pointed out that no one applied for a policy and he said he couldn’t discuss Garry’s application — which wasn’t an application and which I wrote. I said I didn’t need him to tell me what was on it since I’d filled it out and knew exactly what was on it. I asked them if it was legal to not offer a quote, but convert a request for a quote into a policy — and then start billing?
I said “Well, since I’m the one who pays the bills, I’m not paying this. I’m pretty sure it’s illegal, too.”
“Well,” he said, “In 120 days the policy will lapse anyway if you don’t pay.”
“What else might happen?”
“Nothing at all?”
“Nothing. At all.”
“So I can either get complicated trying to find a way for Garry to talk to you — kind of hard because he can’t hear — or I can make him write you a letter. Or I can do nothing and it will just go away all by itself.
I think I’ll go with option 3.”
Globe Life Insurance targets the elderly who have trouble getting insurance because — you know, we’re old. They should cut it out. Targeting the elderly is uncool. I’m pretty sure it’s also illegal. I’m not yet confused enough to think that I applied for a policy when I know I didn’t.
But they generate a goodly amount of business from confused people who aren’t clear on what they did or didn’t do. Or what their spouse did or didn’t do.
It’s a pity I’m not a lawyer. I would love to take these scammers to court.