American Income Life
TLRD at the bottom
In the middle of covid lock down I got a policy with AIL through my union I guess. The initial meeting was over Zoom bc of covid and it was very relaxed, informative and professional. I’ll skip the basic phone harassment tale that everyone has. Fast forward today I got called into work early and I worked late, not much sleep. I get home at 6pm I’m just getting relaxed on couch by 7pm when an “office manger” knocked on my door and ask if we could review my policy bc some weird stuff was going on with it. (He really had to get in the door) he does his fast talk thing try’s to change my policy by writing numbers, arrows and abbreviations down on blank piece of paper. I tell him I’m tired I’ll think about the stuff he wanted to change to make it better and I let him know Monday. I’m pissed off at this point bc what kind of bullshit business handling is cold knocking peoples doors at night? Anyways, I started thinking and I never got a physical by a doctor for this life insurance policy but I’ve e been paying on it for nearly four years. I want to cancel the policy I’ve read all the horror stories of the run around they give people. My question is if I never got a physical would that affect the cancellation? And was this all just a waste of money then bc no physical?
TLDR; usual horrible experience with AIL. Policy is almost 4 years old and never got a physical from my doctor. Have I been paying for nothing basically and would this make it easier to cancel?
