I myself am only 20 years old and work as a Customer Management Representative, aka a telemarketer. I call on behalf of Discover and call cardmembers and enroll them into 2 month free trials of accidental death policies through Stonebridge. Perhaps a lot of the reason a lot of you are getting billed for insurance that you "unknowingly" signed up for is because a lot of people fail to actually hear everything we are saying. As a job requirement, we clearly have to make sure the customer realizes that they are enrolling into the policy and would then have to call the number in the policy within that two month review to cancel it if they were unsatisfied with it, otherwise they will be billed for it. We cant just say "Were automatically sending this to you and you have to call to cancel it." We have to recieve the customers permission. I think a lot of elderly or perhaps middle aged people just dont understand what the word "enrollment" means. And thats why they sign up for it without realizing what they are required to do. Due to the fact that I am not a licensed agent, it is my job to basically just talk the customer into signing up for it and then at the end of the call, i then transfer them over to a licensed agent who explains all the details to them. They basically go over all of the fine print and even explain to the customer what the envelop looks like and the exact size of it that the policy would arrive in. I believe thats the part where people tend to mess up. My only guess is that they recieve the policy in the mail and assume its junk mail and just throw it away. Which would then of course keep them from calling the number in the policy to cancel it.
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