Overpriced
DO NOT USE THIS AGENCY!
My husband has been paying this agency for 41 years for his $250,000 universal life policy. He paid $478 per year or $19,598 over that time period. On or around July 25, 2025, he received a notice from the agency stating that this was a NOTICE OF POTENTIAL LAPSE. He called the office immediately and stated emphatically that there must be some mistake as he had paid $845.89 on 6/10/25. We called the office on 6/25/25 and the woman who answered the phone stated clearly that there must have been a mistake, as she showed the account up to date. (See photo of his various phone calls). The State Farm agent, Lori Emch stated that she "had no record of the call.".... today. Well, we do.
Whenever we would call her office, the answerer would state that "she's busy" or "she can't take your call." And then we would never receive a return call. Oh, we would get the random birthday cards, but no other communication.
On or around 9/22/25, thinking our policy is paid and in good standing, we received another NOTICE OF LIFE INSURANCE LAPSE. Mind you, we never got a phone call, a text, an email...nothing. But this particular letter fired us. If you want to reinstate your policy, you need to make a new application, pay $1,707.92 and you better be in excellent health. The agent had the audacity to ask my husband if he has HIV/AIDS and a sundry of other possible policy cancelling ailments. Ever heard of HIPPA? This was a thinly veiled attempt to get rid of us and our policy. Then she offered, if he indeed was as healthy as he stated, she would increase the bill by 70%.
RUN, they no more care about you than a dead animal in the road.
41 years. You would think we were more valuable clients than this catastrophe. read more
