The agent misrepresented the policy to entice us to make the purchase. He asked us to sign blank forms, assuring us he had the information he needed and it would save time if he filled them out later. He also insisted on cash for the first payment, that had to be made to start the policy. We trusted him as he explained the benefits of the policy in comparison to the Blue Cross policy we had. The premium was less expensive and guaranteed not to increase, unless everyone in our age group had the increase as well.
The premium did rise, all in the same year, from eight or nine hundred a quarter to thirteen or fourteen hunderd a quarter. I had been hurt August of 06 and needed medical attention. I was later referred to a nerosurgeon, which needed all types of test and xrays to confirm the damage and recommended surgery. When I contacted Mid West National Life of Tennessee to inform
them of my need for surgery, they instructed me that I could receive three thousand for the hospital, three thousand for the surgeon, and a percentage of the surgeons bill for the anesthesiologist. This was about what I would have paid for premiums on this policy for a year, and in no way helped with the eighty some thousand dollar surgery.
We informed the Dept. Of Insurance and they contacted the
insurance company on our behalf, but the papers we had signed were our exceptance of the policy. The coverage described was not at all what he (the representative) had explained to us. He basically told us what we wanted to hear, and hoped we would never use it to find out.
There has to be some law against misrepresentation of a
product or service. Needless to say we are financially
unstable, with medical bills galore.
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