American Fidelity Assurance Company, Deception and Subterfuge


Like most responsible people, through my employer I purchased numerous products to insure me and my family’s future in case I was the victim of an untimely death, sickness, or injury, most through American Fidelity Assurance Company. I had life insurance, cancer insurance, and short and long-term disability policies. On examination of their products as explained by their representative, all appeared to be sound and reasonably priced, so I opted to buy the maximum amount of protection to make sure I wouldn’t be at the mercy of Social Security insurance – and even helped the salesman to sell his policies to other members of our company. Quite frankly, I was impressed with the diversity and price of their products as represented by their agent and enthusiastically helped to spread the word among my co-workers that these “seemed” to be great products, as I had been injured several years earlier and learned the value of having additional protection in case of an emergency. I also had Blue-Cross Blue-Shield Health insurance.

Unfortunately, a few months later, I was the victim of an illness and accident;  the illness which was suspected to be the proximate cause of the accident. My Doctor was convinced I had cancer (Multiple Myeloma), as I had lost almost thirty pounds in the previous months, and while showering and getting ready for work, I became faint and fell in the tub – breaking one of my lumbar vertebrae(s). My physician was so convinced that I had cancer that the back injury was placed on the back burner, and she stated the most important matter was to keep me alive. My weight had dropped from 180 Lbs when I arrived in Kansas to 144 lbs by the time I left the state, and when I left I was thoroughly convinced I would soon pass away.  Weighing 144 lbs, I looked like death eating a soda-cracker – and felt even worse.

I applied for short-term disability through American Fidelity, thankful I had the salary protection so I could still pay my rent, buy food, medicine, and pay my health insurance premiums. From the very start, the problems began with American Fidelity Assurance Company; I lived in a very small town and hadn’t been seen by a doctor prior to the injury/illness for approximately two years. In spite of that, American Fidelity insisted on running a “pre-existing injury/illness investigation” and refused to pay any benefits until the investigation was completed. My rent was overdue, we were having a hard time feeding ourselves, and my health insurance premiums became dangerously overdue. I understood they had a right to instigate such an investigation, however, due to the seriousness of my condition, and the possibility of losing my health insurance, I called them several times essentially begging them to release my benefits. I had already signed a statement that indicated I would be guilty of fraud if I had a non-disclosed pre-existing condition(s) – so to me, being the customer and essentially fighting for my life, it seemed reasonable to give me the benefit of the doubt and start my compensation. Needless to say, my appeals to their staff were in vain, and by the time I received my first compensation payment, it was too late to salvage my health insurance.

At this time, it’s important to note that since then, I have related these facts to several attorneys and was informed by each and every one of them that this is standard practice with most disability insurance companies! If you lose your health insurance the probability of death or even having the ability to prove you’re disabled becomes extremely hard, so disability companies use this practice as a matter of procedure in an attempt to lower their financial exposure and if they can, to discontinue your policy.
It’s also important to note that In Kansas, even though I was awarded a Medicaid Card, the state offers no prescription assistance to singe adult males without minor children, and Doctors, Pharmacies and Hospitals only will treat you if they agree to defer their compensation until you win Social Security benefits. The facilities I found to honor my Kansas Medicaid Card were zero. (I guess that’s more of that “compassionate conservatism” that Kansas Republicans boast about!

Further, I was living with my girlfriend, a young college student, and we found ourselves to be under surveillance from a private investigator – which did little to hide his presence or even appear to be stealthy, which scared the crap out of my girlfriend, not knowing who he was. I finally caught him unexpectedly, made him call the local police department, and he was promptly asked to leave the town because he failed to make his presence known to the local police, which is more or less a matter of protocol and respect for the local police force. So, besides losing my health insurance, we were also harassed by a private investigator – which caused immeasurable stress and apprehension. No one that is seriously ill deserves that kind of treatment, and adding stress to an already diagnosed case of clinical depression does little to help one cope with a serious accident/illness.

I left Kansas in January of 2005, gave away almost everything I owned, and left a wonderful life with an exceptional woman and friends, convinced I was on my deathbed, and so depressed and ill that I was barely able to care for myself, including the ability to reason-out issues and problems and form cognizant thoughts. In short, I was a mess and lived in a reality I was unable to understand. It appeared I had lost my mind – and quite frankly, I was quite unrecognizable mentally or even physically to most of those that had known me.

When I arrived in Pensacola, Fl., I was essentially bedridden for the first two months I was home. I had entered a period that was now long-term disability, and much to my surprise, my monthly compensation rose from the $1,200.00 a month I received in Kansas to $1,800.00 per month, which was quite a surprise! I called American Fidelity and asked them why my benefits had increased, and was told that under the long-term policy my benefits automatically increased to the maximum amount I had purchased when I bought the policy. My benefits were being awarded to me contingent that I repay the company any “overpayment” I might receive, and this was explained to me as money that I would receive from Social Security if I won my case, which was an “off-set” to my policy. It seemed reasonable to me, as I was happy to have enough money to live on and be able to receive much needed medical treatment and medication. Besides, they did explain to me that any Social Security back-payment I might receive would have to be paid back to American Fidelity. I signed the agreement, as it seemed perfectly fair to me.

I went though the lengthy Social Security appeal process, and finally last month, my benefits were granted and I was awarded Social Security Disability while appearing in front of a Federal Law Judge. Prior to the hearing, I contacted American Fidelity Assurance Company and asked the adjuster what would happen if I won my Social Security Appeal. I was advised that whatever the amount of my monthly benefit came out to be, that amount would be subtracted from the $1,800.00 a month I currently received and I would then be responsible for repaying American Fidelity any “overpayment” I had received from Social Security. In effect, I would receive my monthly Social Security check and American Fidelity would make up the difference so that it would equal a total of $1,800.00 per month. Again, it sounded fair to me, so I aggressively pursued my Social Security appeal, and because of the preponderance of evidence, won with a “Bench Decision.”

As per my agreement with American Fidelity, I immediately forwarded them a copy of the “Award Letter” I received from Social Security, and when I called to ask a question, found that my adjuster had been changed. I asked her several questions and she informed me that the adjuster that informed me I would be receiving the difference between my SS payment and the $1,800.00 per month was wrong, that she was unaware of certain “clauses” in my policy. I asked her what she meant, and she stated that my policy would revert to the original amount of $1,200.00 per month, leaving me with a benefit of approximately $450.00 per month plus my Social Security check.

I can’t say I was pleased, but in light of the “gap” in Medicare coverage, at least at $1,200.00 per month I would qualify for certain programs that would protect me from the Medicare “gap” clause, so I begrudgingly agreed and asked her to send me the breakdown so I could finish my Medicare paperwork. Last night I downloaded AFAC’s breakdown –and to say I was astonished is an understatement! My part of the Social Security back-payment is approximately $13,900.00. American Fidelity Assurance Company states that I owe them $26,531.20! In other words, after I pay them any back-payment from Social Security, I still owe them another $12,631.00. The raise that was given to me when I reached long-term disability, even though I didn’t ask for it, and which I questioned – has to be paid back before I receive any further benefits. No one explained this to me, I called-in and questioned why I was receiving a “raise” in the first place, and I was told it was a benefit of the long-term policy. In other words – my long-term disability policy is now defunct. (A copy of their breakdown is provided for your perusal in this article.)

I have written this lengthy article in the hopes that it will bring awareness to people who purchase short and long-term disability policies. At every juncture, I have questioned adjusters at American Fidelity Assurance Company to make sure I was aware of my policy and any limitations that might arise. In fact, when I bought the policy, the salesman told me its duration was until the age of 65, however when I received the policy, it stated the age of 60. He referred me to another section of the policy that indicated if you were under 56 or 57 years old, the policy would last until you were 65, thereby satisfying me that it would last until I was 65. Now I am told it will only last until I am 60, that is, after I pay them over $26,000.00. (sic)

There are lessons to be learned here. Never listen to a word an insurance adjuster tells you! Even if you think you understand your policy, have an attorney look it over. AFAC states the adjusters didn’t lie to me, they were simply “uninformed” of certain clauses within my policy. I call it a lie, they call it a misunderstanding… (Maybe they should all be working in the White House…)

Read their letter closely. Consider everything you have read herein, and their letter, and ask yourself if this is really a long-term disability policy – or a sham and a very clear misrepresentation of what a real disability policy should be. Obviously I am quite angry, but rather than me being the judge, you read the facts and you make the decision. Is American Fidelity Assurance Company a business that you would trust your future to?

Is that what a normal person would consider to be a valid long-tern disability plan?

As for me, I believe they are charlatans and con-artists, and I feel cheated and I believe their conduct borders on misrepresentation and fraud, however that is my personal opinion. Obviously this will be a matter for the courts to decide, but until then, I have written this article as a warning to anyone that believes their future is secure in the event of a serious injury/illness that has a disability policy with this company. Don’t take my word for it, have an attorney examine your policy, for your protection, please don’t listen to any of their adjusters! It is possible that not one, but several adjusters made mistakes when describing my benefits to me, but it’s also possible they hid the truth, thereby becoming the Grinch that stole this year’s Christmas from my family, as well as my retirement. Don’t let it happen to you! Find a reputable company to secure your future, and in my honest opinion, AFAC is not that company.

AFAC Disposition Letter

Note: You can read this letter by following the below link to www.Liberalsonly.com .

AFAC Letter

Note:There is also a thread running on this at The Smirking Chimp which you may want to check out. Michael Moore is starting a new documentary entitled “Sicko” which will expose some of the many practices of the health insurance industry, and many of the dirty tricks they pull as they attempt to screw the public through the many dirty tricks and “clauses” contained in many of their policies. I have sent in my story, and I recommend you do the same if you know anyone that has suffered at the hands of health care providers or disability companies as they routinely attempt to lower their exposure by misrepresentation and “fine print” contained in their policies.

It’s about time, and the letter from Michael Moore is displayed on that thread.

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  • E Mclarty

    Re: American Fidelity Cancer Insurance for Educators. I have had another occurrence of cancer. I have only been paid for mammograms and papsmears. Nothing for Cancer. They keep saying “We are unable to determine  our benefits from your Primary insurance company’s letters of explanation. Please submit itemized bills from each of your providers with a complete breakdown of charges for each date of service.” Please refer to the Schedule of Benefits in your certification or Policy.If yu disagree with our claim decision, you have the right to appeal. Your appeal must be made in writing within 180 days form the date of this letter. Written comments, documents, records and other information relating to the claim should be included in your appeal.” 05/15/12
    I have spent 35 dollars and 11.90 as a rider (for stroke, chemo, and radiation)/ month for over ten years.On the phone they sound so agreeable. Then you receive a letter that says: .  Charge 0 Benefits 0 Expl 0. I have Kaiser and get excellent care. Their Member Service has sent them the details which are denied. So beware Fellow Educators. If they send me the check which they promise I will post.
    A teacher in Vancouvver WA. Total Paid to me Cancer 9 years ago ZERO
                                                                               Cancer surgery March 2012 ZERO

    • http://thepoliticalbandit.com/ William Cormier

      Your comment is one of the reasons that this site still exists as it does today after so many years… What I find even sadder is the number of comments from people who have been fleeced recently when this information has been available for so long. Insurance Companies, like our Congress and everything they have dreamed-up over the years are nothing more than legalized plans and policies that were designed with the express purpose of creating cheap programs to sell their hollow programs to an unsuspecting public who, when they honestly need their money is when they are already so deep in debt or are on the way to insolvency, and the Coup de Gras’ often comes from a clients beliefs that he/she was “covered” and has purchased enough insurance to make sure they didn’t wind-up in the cold with nothing but Social Security to live on….

      This has become harder and harder to read as the years march on, and it never stops. That, all by itself, demonstrates that it was a scam from beginning to end….

  • Anonymous

    i hope you are doing well and that if you can’t find peace in ensuring afac does right that your life improves.

    • http://thepoliticalbandit.com/ William Cormier

      Thank you for your kind comment.  I no longer have any legal recourse against AFAC and the purpose of keeping this information posted is to alert those who are considering purchasing their disability product, or in the alternative, for those who are actively caught-up in the process of trying to secure benefits that are being withheld for the purpose of causing financial/emotional harm to people who are already fighting for their financial survival. It has always been my goal to educate the public in regard what millions of Americans encounter when anyone tries to collect benefits from what they “believed” was an insurance policy to protect their future (Sic).

  • P. Klaven

    The first definition defines a disability as a condition that prevents you from performing the major duties of your occupation. One top-rated long term disability insurance company summarizes their definition of disability as: “Pays benefits if you are unable to perform the material and substantial duties of your own occupation due to sickness or injury…even if you are able to do some other kind of work.

  • Anonymous

    Yes, read anything you get before you sign on with these people — or any others. If need be, make sure you lawyer up to protect your rights. Do not let yourself be coerced and do not submit to their ‘authority’.

    ‘No Donny, these men are cowards.’

    I do NOT recommend ‘going postal’. I recommend ‘getting medieval’. Like, hire a ‘legal wizard’ to dispel their ‘false doctrine’.

    Remember, you are not required to give them your money until you enter into an agreement. You are entitled to complain to the government if they violate the terms of that agreement or other applicable laws. Inform yourself before making any decisions in that regard. Lawsuits have been leveraged against these people and have been won on the grounds of their irresponsibility.

    If their lawyers try to bully you, well… make fun of ‘em. You have the constitutional right to freedom of expression — if you do it properly. The ACLU can help if your rights are violated.

    You’ll feel better. Laughter, after all, is the best medicine.

    If you choose to make fun of them… you have to keep your cool and put it into the proper context.

    Here’s an example of something you might say without jeopardizing your legal status:

    ‘Unamerican Fraudelity Assurapist Company apparently prospers by unethical behavior. That’s the conclusion I drew after reviewing this website, and interacting with them.’

    You can take that one and put it anywhere you like.

    Here’s some important keywords to keep in mind if you have a legal problem with them… intentional infliction of emotional distress… tort of malicious use of process. It’s very likely that if you keep good records, and the company is in fact violating your rights, you can prove it. But, if you wait too long and after the fact, then you will have trouble proving it. Put everything in writing and require them to do the same. Otherwise it’s ambiguous.

    It’s entirely possible that these people are simply incompetent, or mismanaged. There are probably some good people who work there, and some very bad ones.

    Also, ‘A strategic lawsuit against public participation (SLAPP) is a lawsuit that is intended to censor, intimidate and silence critics by burdening them with the cost of a legal defense until they abandon their criticism or opposition.’ … remember that if they slapp you with a lawsuit, you can return the suit with an anti-slapp suit.

    Hello, AFAC legal team.

    Thanks for playing.

    Be careful.

    • http://thepoliticalbandit.com/ William Cormier

      After a lot of time and consideration, I think it could be time to start dangling feelers and seek more people whom have also had their lives ripped apart by this company. Rather than a straight Class Action Suit, I’m thinking that finding other claimants and enjoining our cause could help to attract a good personal injury attorney. This article has been posted a long time and is visited many times each day, on almost every day of the year. By reading the comments below it’s obvious that I am far from alone in wanting to have my day in court.

      I never believed that this article could change my situation, however, that said, I was also aware that there was an off-chance that they would sue me as you mentioned above. I know that I could cross-sue, but in all honesty, I can prove the allegations that I made and believe that they haven’t tried to shut-down this site because they know they would lose on the cross-suit that I would file.

      Now, with this article getting read more and more every day it makes sense to me to solicit others to join in and with strength in numbers – bring our case to court.

      If there is anyone out there looking to sue AFAC for breach of contract, using private investigators to intimidate them and their families, or in the worst cases – when they actively worked to harm an individual by purposely dragging our a pre-existing injury investigation even after the policy was in full force and the pre-existing injury/illness clause had been satisfied by having the policy in force for over a year – please contact me. My email address are:

      wjcormier@ThePoliticalBandit.com

      PoliticalBandit@gmail.com

      I appreciate your comment and the vote of support.

      Best Regards,

      William J. Cormier

    • Kkirch

      I have also been thru everything with them. No benefit payments investigators etc…. I would be happy to join a lawsuit.

  • manno

    Geez…..AFAC…….don’t you want to reply to this stuff?

    • http://thepoliticalbandit.com/ William Cormier

      If they replied they would be admitting that there is indeed an issue – and they will never admit anything that could hurt their bottom line.

      Please note that AFAC has NEVER denied their unethical behavior, nor have they ever made any efforts to curb their assault on their own policy holders. With AFAC, only profits matter – not the people they are supposedly “helping” with their deceit and subterfuge.

  • Nddowd

    I’m very frustrated with them also! They also requested information from my doctor numerous times, sometimes same info and then once they would get that information they would say that they can’t process my request until they receive information from another provider. When they would finally get that then I would receive another letter indicating that they now need information from another source before they can process. This went on and on and on always saying the same thing, that my request would be processed once they received this one piece of information; but as always, they would get that information then something else would come up with them. They asked me to call up and to get information for them. I informed them that it’s not my job to get information for them as I am the one paying the policy. I also asked them why once they get the information that they have and state in their letters that once they get information from this last source then they can process my claim then they turn around and want information from another source. It’s been almost a year that they’ve been doing this! I had surgery, nothing super major but I was out of work for 2 weeks. Now they want information from a counselor that I saw that had nothing to do with the surgery. It’s not a Psychiatrist or a doctor but they are saying that it’s a medical provider…..how so? They seem to be taking this too far! If I choose to talk to a counselor (whom is not a doctor although Fidelity refers to them as “Dr.” in their letters) about something that has nothing to do with the surgery that they need to respect my privacy. They should have no right to get that information, it’s confidential and it makes me feel exploited! Would they like to talk with my high school or college counselor also? They were very rude to me on the phone. It feels like they are running a scam. They fight you until you just want to give up! Does anybody have any advice on this!

    • http://thepoliticalbandit.com/ William Cormier

      Again, this is their Modus Operandi and unfortunately the law as written allows them to get away with it. I wish there was something I could do or say to help alleviate your situation – but it’s not something that you or I can change. It will take sweeping legislation to force AFAC and other Insurance Companies to provide their policy holders with the benefits they paid for in a timely fashion rather than the constant trials and tribulations that the majority of their customers are subjected to – and it won’t happen anytime soon.

      Our Congress – or at least 98% of them are bought and paid for by corporate lobbyists, and with the GOP in control of the House all we can expect is more of the same. As far as demanding the records from your counselor, they can do that too and are hoping that something you said in confidence can be used against you and allow them to deny your claim.

  • Carolyn_conway

    I have american fidelity and the to not want to pay my salary. It is just a waste of money.

  • Smithjkt

    I feel as if their license should be revolked and sued for their lies. I too have a policy and as a school teacher I can’t even get a claim processed; even though I was in a motor vechile accident in 08 which started all of my issuesd AFAC wants to blame my injuries on a fight that occured earlier this year when I was still able to work. I intend to go to the Better Business Bureau and even inform the Attorney General Office in Kentucky about this situation. I didn’t file a workmen’s comp claim because I didn’t miss a days work after breaking up a “scruff” at school. My problem began with the MVA the fight only added some insult to injury. I have paid on this policy since 2003 and it’s not worth a damn,.

  • Michael Jakobi, CFP

    As an Agent who sells and SERVICES long and short term disability, a Certified Financial Planner, graduate of the U.S. Air Force Academy and myself a heart attack at age 40 survivor and cardiac bypass patient, I am keenly aware given my business and my own personal health history, of the need for quality insurance to protect my hard earned assets and pay the bills I incur on an ongoing basis due to having a chronic illness. I therefore read this article with great interest this gentleman posted about his “negative” experiences with American Fidelity Assurance Company and his disability claims.

    I happen to have the plan description sitting right in front of me at this very moment he refers to in his lengthly article. I do not sell policies for this company. I instead sell policies from more reputable and well established insurers for disability like Hartford, Lincoln National, UNUM and Standard. In particular, I am looking at the plan descriptions for the OHIO SCHOOLS plan offered by American Fidelity. I will get to that in a moment.

    My intent here is to offer readers some SERIOUS ADVICE as to how to go about handling situations like this person’s experience in a way that will get the problems addressed in a more timely manner than going to a LAWYER! Lawyers for one thing have only ONE thing to SELL and that is their TIME! Most lawyers I know also know nothing about insurance! I have more than one law firm in other words as insurance clients of my own, and they depend on ME to know and understand the details or the “catches” in insurance policies they themselves own.

    This man’s first dilemma occured due to the “pre-existing condition clause” in his contract with American Fidelity. If he had the same contract I have sitting on my desk, the pre-existing condition clause only applies during the first 12 months of coverage under American Fidelity’s plans. This person does not specify the date he bought the coverage vs. when he first filed a claim….he only says a “few months after buying the policy”. At which time, American Fidelity began a “pre-ex” investigation as soon as they got the claim.

    This is where my first two misgivings with how this man handled this situation come into play. #1 Question of mine is WHERE was his AGENT? This person he allegedly even helped SELL these plans to co-workers? Over my career, I have been directly involved in several disability claims for my clients…getting them paid and making sure the insurance company I wrote for them did not mess around with them. In one case, that did require hiring an attorney to SUE the insurer for NOT paying what appeared to be a very VALID claim in my mind and was clearly covered by the policy I wrote for the man in question, I even served as the primary witness for the plaintiff. So is my first message for all of you reading this….you have an AGENT who SOLD this stuff to you, do you not? Then USE that agent and GET ON THEM FIRST to help you out when you have problems when it comes to claims. Insurance agents nationwide are obligated by virtue of their state licenses to not only sell insurance plans but also SERVICE them once they are in force! Not one mention does this man make of contacting the AGENT who sold these plans to his company is made!

    My next very BIG point to all of you is this…instead of going to a LAWYER who knows NOTHING about insurance, will make YOU do ALL the work for him and then CHARGE you legal fees to get an answer……all any of you need to do is get the address in your STATE of residence of the Office of the State Insurance Commissioner and file a WRITTEN complaint against the insurance company you believe is taking you to the cleaners! It is a FREE service in every state in the Union and the Department of Insurance in every state has the authority to shut a company down and rule in your favor on any issue that shows an insurer is NOT living up to their in force contracts! ANY written complaint to the State Insurance Commissioners office is sent directly to the CEO of the Insurance company in question and they have TWO weeks maximum to issue a response to a complaint.

    I myself have written for insurance clients over the years, the complaint against the insurer myself once I was convinced the company was NOT doing what I thought it should do on a given claim situation. Every single complaint I wrote I WON on behalf of my client and the company was FORCED to do what they should have done in the first place. And it did NOT cost any of my clients ONE DIME of their own money to get such a ruling…that is how much power and authority the State Insurance Departments have over insurers!

    So unless any of you plan on SUEING an insurer, you do NOT need to be talking to a lawyer about insurance problems…you first get a hold of the AGENT who sold you the plan you say is not doing what it “says” it would do when he or she sold it to you, and then you go to the STATE authorities all for FREE and before you pay any LEGAL fees to an attorney. Your LAST resort is an attorney in other words and ONLY if and when the first 2 avenues do NOT bring you satisfaction. In every case of claim’s issues I got involved in with my clients after they brought it to my attention, only ONE required hiring a lawyer and outright sueing a company! A case we WON in fact as well…but it took nearly 18 months to settle…so that is the other thing about going to a lawyer on an insurance issue…doing so costs money and takes a LOT longer time than if you simply got your AGENT who sold you your insurance plan to get off his or her hind quarters and do their job of going to bat for you when you have an issue with a policy you bought from them!

    Now this man in particular should have had this problem fixed the MOMENT that company said they were doing a “pre-ex” investigation for an illness and injury HE claims was NOT something he was EVER treated for before owning this plan. I am taking his word at that from his writing. All he had to do in other words was the moment that company held up claim payment for what HE says was NOT a “pre-ex” was file a written complaint with the Kansas Insurance Commissioners office telling them just that! The actual contract from Am Fidelity flat out SAYS in writing…..”NO Pre Existing condition is covered during the first 12 months of the policy”. IF you have a pre ex, (defined as ANY claim due to an injury or illness you were TREATED for in the 12 months PRIOR to the policy…and that INCLUDES anything as simple as taking medication for something or even consulting a physician for something), Then you have to be insured under the policy for 12 months before they will pay benefits for a claim resulting from that “12 month look back” pre ex period. It further states in that policy that NO claim for ANY pre ex condition will be DENIED once you have been insured for a total of 24 months!

    In other words if what this person claims is actually TRUE, in my mind as an insurance professional who HAS handled situations like this before for my own clients of insurance, it is an open and shut case…..he SAYS he did NOT have any treatment for the illness AND injury he suffered and claimed on with AM Fidelity during the 12 months PRIOR to being insured with them…his claim though was ” a FEW months AFTER owning the policy”…which means to me LESS than 12 months of being covered. All he had to do was file a complaint agains the insurer the moment they began withholding claim payments and justifying doing that in terms of doing a “pre ex” investigation and he would have WON! Not only that, his AGENT could have called the company on behalf of his client to PROTEST the pre ex investigation and did have the power and authority to do that! But not one time does this man say he EVER called his agent about this matter….yet he was “so impressed” with the products this guy sold, he actually HELPED the guy sell them to co workers!! So WHY then did he not ASK his AGENT for help when this all began happening?

    Now I realize my position in life gives me the ADVANTAGE of KNOWING insurance contracts way better than the average person on the street who buys them. But in all these responses of “similar” circumstance I do NOT see as much reliance on the FACTS of what actually happened as I do in delving out EMOTIONS about what is going on and in practically every case how “helpless” one feels at the “mercy” of big insurance companies!! GET REAL people!! Do ANY of these companies use the SWASTIKA as their company logo? NO!! So keep that in mind!! They are PRIVATE companies that are SUBJECT to the STATE and FEDERAL laws governing conscientious and MORAL propogation of their contracts they put out! So understand that from the get go…YOU have the POWER over “big insurers”, way more than you can imagine…but NONE of you do ANYTHING in your letters but “cry” and “boo hoo” about your problems with them, never one time saying what you did to FIX the problem!!

    Understand one thing about insurance CONTRACTS…they are UNI LATERAL in nature, which MEANS, only the INSURANCE company is OBLIGATED to live up to the TERMS of that contract! All YOU “have to do” is pay the PREMIUM…PERIOD!!!

    American Fidelity’s contract is VERY CLEAR in the plan description they hand out with their enrollment forms of what they consider a “pre existing condition”….that is your NEXT obligation as a policy holder of insurance…READ the CONTRACT that you buy!! As IMPORTANT as it is and as important the reasons are that you bought it in the first place and this guy even says were the reasons he HELPED the AGENT SELL them himself…..it oftentimes AMAZES me how FEW people actually take the time to READ what they are sold!! I myself MAKE every client I sell insurance to READ the contract in MY presence….when I deliver it to them when it is sold…I point out the “catches” to them in those contracts so they UNDERSTAND those and the situations the company will NOT pay a claim! If they have any QUESTIONS about those situations, then that is what I am here for…to answer them in detail!! NO company in ANY state “makes” you own their policy! When you buy it, you have at least 30-60 days “free look” period to examine the contract you bought and DECIDE whether you want to keep it or not, from the day the agent physically DELIVERS the policy to you! WE even have to send in “policy delivery receipts” that each client has to sign to attest to the day I actually deliver a plan to them in person!

    If they do NOT wish to keep the plan all they have to do is pick up the phone and call ME, and tell me they want to exercise the “free look” provision of their policy and return it for a refund. I then notify the company the policy is NOT TAKEN during the free look period and the company MUST return to the person ANY money paid with the application..no questions asked!

    Now this man also states the company is now “demanding” he pay BACK benefits they paid to him! Once again..instead of CRYING about that to the entire world…all he needs to do is sit down and write a COMPLAINT to his state insurance authorities!! PERIOD!! That will put an end to that “demand” by Am Fidelity in a heart beat! NO insurer can DEMAND back payments especially on disability once they have been paid! WAKE UP people…..stop your bellyaching! Stick to the FACTS…put them in writing…get your AGENT involved who sold you that plan in the first place, USE the STATE authorities and consumer protection agencies that are there for YOUR benefit and for FREE……and READ what you buy!!

    Michael Jakobi, CFP
    Trinity Financial Group
    Cincinnati, OH

    • Anonymous

      Michael;You provided an extremely articulate reply to my article, however, YOU ARE FACTUALLY WRONG ON SEVERAL, IF NOT ALL OF THE ASSUMPTIONS YOU MADE!If I recall correctly, I stated that American Fidelity Assurance Company went into a lengthy pre-existing condition/injury investigation that caused me to lose my health insurance because they held up my benefits and didn’t approve my claim until they had finished their investigation. The accident and illness occurred AFTER THE MANDATED 12 MONTHS FOR PRE-EXISTING INJURIES AND/OR ILLNESS! To be abundantly clear, the bastards ran a pre-existing injury/illness investigation hoping that I had lied on my application, which would have been fraud and a basis for denying my entire claim even though I had satisfied the pre-exiting injury/illness clause. They held up my benefits and caused me to lose my health insurance because they were hoping against hope that I had lied on my application.I called the Kansas Office of the State Insurance Commissioner on several occasions, spoke to several different people (including the Director) and they/he informed me that AFAC had every right to conduct a pre-existing injury/illness investigation, and furthermore, there was no time limit on how long the investigation could/would last. I’m befuddled why you would “assume” that the policy was less than 12 months old.If I remember correctly, I called several Attorneys whom stated that running lengthy pre-existing injury/illness investigations is standard practice for almost every insurance company in the United States. (No, I didn’t hire an attorney because they stated that AFAC, even though it was wrong and highly unethical, were legally able to run the investigation to make sure I didn’t commit fraud on my application.) I was also told that it is SOP for Insurance Companies to hold up an individuals benefits as long as possible, because if the claimant is in dire financial straits they often abandon their claim and return to work whether they are ill/injured or not. Thousands of people have been made homeless by our wonderful insurance companies in these United States, and hundreds, if not thousands (or hundreds of thousands), have passed away because they couldn’t afford their Goddamn Medication!!!! Finally Mr. Jakobi, I do believe that you don’t work directly for AFAC. In the same breath, I find it amusing that you wrote an article just 20 or 30 words shorter than mine because you’re a Good Samaritan and are interested in giving people sound insurance advice. I doubt that the readership will believe you either… It is standard practice for Corporations in the US to hire so-called “professionals” to cast doubt on legitimate issues, and that’s what I believe you are. A damn hired gun, or shill if that makes you feel better – but I’d bet what little I have that you were compensated for distorting the facts and attempting to make me look like an uneducated asshole that didn’t have a leg to stand on.If you were really interested in casting an impartial opinion in this matter, why didn’t you contact me and ASK A QUESTION RATHER THAN ASSUMING THE WORST???? I am aware that AFAC would probably do anything to find a way to nullify this article, however, I stated the facts and told the truth – and those are the facts!Furthermore, AFAC CAN AND DOES demand payment from those who have their Social Security awarded, and I find it absolutely astounding that an insurance professional such as yourself is unaware of that fact. Care to challenge me??? Tell you what, I’ll bet you this Blog against 50K in cash that I’m telling the truth and you’re a liar. How about that??? If you dare to accept, supply me with a notarized statement that you accept the challenge and I’ll post it on this site the minute that I receive it. These articles that span almost six years is something that I’ve gone hungry to pay for, so to me, even the amount of money I challenged you for isn’t worth the cash I’d get from you, so bye all means, PLEASE ACCEPT THE CHALLENGE!Oh, and bye the way, Kiss my Ass!

      William J. Cormier
      politicalbandit@gmail.com

      To the general readership, please accept my apology for the language and the obvious anger that was apparent in my reply. I can’t remember a time when a comment made me so angry on this Blog, however, this one took the cake! Evidently, the author didn’t bother to read all of the comments that have been made on this issue and other travesties wrought by American Fidelity Assurance Company. If Michael Jakobi is truly a professional and is who he states he is, I can see no reason that he wouldn’t accept my challenge. One of us is lying and one is telling the truth; hopefully, in the coming days you will be able to easily ascertain who the real liar really is.

    • Anonymous

      If there was the option to flag this post as ‘abusive’, I most certainly would do so.

      And, as this person is representative of the character of the industry injuring Mr. Cormier, I believe you can determine that the industry thrives on abuse… and fears legal action.

  • Reynante660

    I am a purchaser of an American Fidelity policy. Everything is fine, until you need it. I injured my knee and they have drug out the case for so long. They have requested information from my doctor over six times. Sometimes, it is the same information. I have gone into foreclosure on my home, I have been to the food bank many times (I can’t even pay the $25 they charge, but she waives it). I don’t have gas to go to my doctor’s appointments. My family has loaned me money to pay my electric, gas, water and phone bills. They don’t have that kind of money to keep paying this for me. I am very depressed and almost took too many pills the other day. My leg is almost numb, and can’t really function. I am growing to hate the big business of the disability company. I paid for a service and didn’t receive anything but grief. That doesn’t sound fair. How can they operate like that and ruin our lives?

    • Anonymous

      To all of the people who have commented on this article:

      I have been out of pocket for the last couple of months and haven’t had time to answer comments. Please accept my apology. I know how many of you feel, but unfortunately, there’s not much anyone can do about it. AFAC is the largest privately held insurance company in the United States, and like most large American companies, profit seems to drive everything they do. Unfortunately, they have the law on their side, and even though it’s highly unethical, they drag out claims as most insurance companies hoping that they will wear you down, die, or otherwise agree to something that under normal circumstances you would never do. I believe it’s a form of intimidation and outright subterfuge, and I wouldn’t buy anything from AFAC even if the cost was one penny. Please read my reply to the comment above, which I believe will explain everything.

      I wish I could offer ya’ll some hope, but in reality, AFAC can screw all of you and in 99% of the cases, get away with it. Our laws are made to favor large corporate entities/companies, not the people. Unfortunately, it gets worse every day. Good luck to each and every individual that has lost everything to the greed of America’s insurance companies, and that goes double for AFAC.

      • Anonymous

        I’ve noticed that they have bloated their website out to such an extent that it now pushes your site off the first page of Google.

      • Anonymous

        I’ve noticed that they have bloated their website out to such an extent that it now pushes your site off the first page of Google.

      • Anonymous

        they certainly have the money to pay your benefits:

        https://apps.tdi.state.tx.us/pcci/pcci_show_profile.jsp?tdiNum=02370

    • Anonymous

      Do not take too many pills. Protect yourself and your rights. Find a pro-bono attorney.

    • Anonymous

       I was diagnosed with severe scoliosis and stenosis 3 years ago.Have taken steroid shots in my spine since then.  Have MRIs to prove it. I wouldn’t stop teaching. Loved the kids and teaching too much.

      Fell at school 2 yrs ago. Tore the meniscus in my knee & had to have it repaired surgically. The w/c doc wanted to check my back, too, b/c of the other problem. Sent me to a neurosurgeon (first one he referred me to refused to see me~~said my back was too bad wouldn’t touch it. 2nd one said he’d “talk to me” then sent me for a myelogram which shows no change, sent me to a younger surgeon who said “You’re not a candidate for surgery at this time, maybe in 10-15 years.) 

      However, the 2nd doc & my GP both said it was time to lay down my eraser and wipe off markers.  I am not able to stand up for long periods of time or walk long distances anymore or sit for more than 30-60 minutes at a time. All things necessary in the education profession.

      What did AFAC say when I applied? You received worker’s compensation for your spine. They denied me. I appealed their decision. They denied me, on the grounds that my policy isn’t valid because w/c sent me to a neurosurgeon to make sure their wasn’t any damage to my back. I sent documentation (MRI reports originals and current ones + the myelogram ~~)  which shows no change from the original diagnosis.

      My policy has been in effect since ’04. As for talking to my “agent,” he was an agent/employee of AFAC. How far does that get you? 

      Hoping the squeaky wheel will eventually get the grease. The little people have beaten them before. Hang in there!

  • Atribe2

    I too have had nothing but trouble with AFAC. I get $700.00 a month from AFAC and can NOT file for SSI or any other benifits I may be entitled to. I was informed of this after I hurt my back at work leaving me permanently disabled for life. Any benefits other than AFAC means all the payments I paid them for protection in order to have a quality life if hurt, is just money in their pockets. If I claim any other or receive any benefitsi may be entitled to, I have to REPAY every dollar with interest back to AFAC. On that I refuse. So, I it's a struggle each month and will be for the rest of my life.

  • Atribe2

    I too have had nothing but trouble with AFAC. I get $700.00 a month from AFAC and can NOT file for SSI or any other benifits I may be entitled to. I was informed of this after I hurt my back at work leaving me permanently disabled for life. Any benefits other than AFAC means all the payments I paid them for protection in order to have a quality life if hurt, is just money in their pockets. If I claim any other or receive any benefitsi may be entitled to, I have to REPAY every dollar with interest back to AFAC. On that I refuse. So, I it’s a struggle each month and will be for the rest of my life.

  • Pingback: Inequities Within Medicaid/Medicare And The Dastardly Actions Of The DEA | Justanothercoverup.com

  • Paul Howell

    William,
    I appreciate your information on AFAC. I have recently had a bad experience with this company, and agree with you they are conartists and crooks. They have non medical adjustors making decisions on pre-existing conditions, I obtained coverage on Sept 1, 2007. In May of 2008 I went into renal failure and CHF. Was in the hospital with nausea and vomuting (severe), for almost 3 months. I had 2 doctors certify short term disability and they are calling it pre-existing. The adjustor that handled my case was never rude, just not qualified. I am very angry and plan to appeal. Any suggestions would be greatly appreciated.

    Thank you,
    Paul Howell

    • Bobby

      I hate hearing all of this because I have a policy with them for long-term disability. I hope that if I have to use them I don't get the same type of treatment. Someone may go postal on some of them if they are not careful.

      • http://intensedebate.com/people/wjcormier wjcormier

        In all honesty, I considered being the one to "go postal" on their asses, but I believe that facts and truth, widely disseminated, is far more effective than violence. This company lied to me on more than one occasion, and while I thought their help desk employees were fantastic and compassionate, it was all a sham to make me help them cut off my benefits. I was guaranteed by their staff when my Social Security came into effect I would receive supplemental payments that would bring up the total amount I received to $1,800 per month. That turned out to be nothing more than a lie – and while I don't know for sure that the "help desk" employees that informed of this thought that to be the case or were engaged in the deception themselves is still a matter of speculation and I don't have the true answer.

        I do know that they lied, pure and simple, and this is a company that whoever holds this coverage I recommend that they find a company that is more honest – if such an insurance company truly exists in the United States. As we watch the health care debate and the constant lies and disinformation that is being spewed by Health Insurance Companies, I have real doubts whether there is an honest health insurance company to be found anywhere in our nation.

        Of the 50,000 self-styled "lobbyists" that are supporting their lies and disinformation campaign, it was startling to find out that most of them are employees of the health care industry that have been given their "talking points" by their employers who told them if universal health care passes their jobs would be in jeopardy. (They were also told not to divulge that they were employees of health insurance companies.) They are out to accomplish only one thing – protect their jobs at all costs, even if it means disrupting Town Hall meetings and lying to the American public. Please note this is a general statement that applies to several health insurance companies, and I admit that I have no personal knowledge if this company is also engaged in the health scare tactics that are being widely used by some companies.

        If you ever have to use their coverage, I recommend that you record all of your telephone conversations, inform them you are doing it – which you have a right to do as long as it's disclosed, and then if they do lie and supply you with the wrong information, you will have the proof you need to sue them for fraud. I wish that I had the same advice when I was being lied to, but I didn't, and they got away with what I consider to be gross fraud and misrepresentation.

        Good luck you you and I sincerely hope that you don't ever have the need to use the coverage you are paying for.

        Bill Cormier

  • Paul Howell

    William,
    I appreciate your information on AFAC. I have recently had a bad experience with this company, and agree with you they are conartists and crooks. They have non medical adjustors making decisions on pre-existing conditions, I obtained coverage on Sept 1, 2007. In May of 2008 I went into renal failure and CHF. Was in the hospital with nausea and vomuting (severe), for almost 3 months. I had 2 doctors certify short term disability and they are calling it pre-existing. The adjustor that handled my case was never rude, just not qualified. I am very angry and plan to appeal. Any suggestions would be greatly appreciated.

    Thank you,
    Paul Howell

    • Bobby

      I hate hearing all of this because I have a policy with them for long-term disability. I hope that if I have to use them I don't get the same type of treatment. Someone may go postal on some of them if they are not careful.

      • http://intensedebate.com/people/wjcormier wjcormier

        In all honesty, I considered being the one to "go postal" on their asses, but I believe that facts and truth, widely disseminated, is far more effective than violence. This company lied to me on more than one occasion, and while I thought their help desk employees were fantastic and compassionate, it was all a sham to make me help them cut off my benefits. I was guaranteed by their staff when my Social Security came into effect I would receive supplemental payments that would bring up the total amount I received to $1,800 per month. That turned out to be nothing more than a lie – and while I don't know for sure that the "help desk" employees that informed of this thought that to be the case or were engaged in the deception themselves is still a matter of speculation and I don't have the true answer.

        I do know that they lied, pure and simple, and this is a company that whoever holds this coverage I recommend that they find a company that is more honest – if such an insurance company truly exists in the United States. As we watch the health care debate and the constant lies and disinformation that is being spewed by Health Insurance Companies, I have real doubts whether there is an honest health insurance company to be found anywhere in our nation.

        Of the 50,000 self-styled "lobbyists" that are supporting their lies and disinformation campaign, it was startling to find out that most of them are employees of the health care industry that have been given their "talking points" by their employers who told them if universal health care passes their jobs would be in jeopardy. (They were also told not to divulge that they were employees of health insurance companies.) They are out to accomplish only one thing – protect their jobs at all costs, even if it means disrupting Town Hall meetings and lying to the American public. Please note this is a general statement that applies to several health insurance companies, and I admit that I have no personal knowledge if this company is also engaged in the health scare tactics that are being widely used by some companies.

        If you ever have to use their coverage, I recommend that you record all of your telephone conversations, inform them you are doing it – which you have a right to do as long as it's disclosed, and then if they do lie and supply you with the wrong information, you will have the proof you need to sue them for fraud. I wish that I had the same advice when I was being lied to, but I didn't, and they got away with what I consider to be gross fraud and misrepresentation.

        Good luck you you and I sincerely hope that you don't ever have the need to use the coverage you are paying for.

        Bill Cormier

  • http://justanothercoverup.com Bill

    Laura;

    On second thought, maybe you’re correct! This site has only been back on-line for a few days, and I have been monitoring it closely. AFAC has been examining almost everything on the site, or their investigators, and so far I have had the Department of Defense, Department of Homeland Security, and more than one military base monitoring this site.

    AFAC is the largest privately owned insurance company in the United States, and it seems that I might have struck a nerve – and was most recently visited by Fort Drum in New York, and they were reading the articles on American Fidelity Assurance Company, notably under a “locked referrer.” Since I can’t figure out what an Army base would consider interesting about an insurance company, I’m guessing that AFAC is using some of their political capitol to cause whatever trouble for me they can.

    It’s also possible I’m just paranoid too, but if you look at the Statcounter results, which can be accessed by going to http://www.statcounter.com with the log-in of “ineedinfo” with a password of “liberal” you can view for yourself the incredible activity of AFAC on this site. You won’t have any trouble recognizing which one they are, as the list of their visits is longer and more thorough than any other visitor.

    I’m certainly not an “enemy combatant”, don’t even know a terrorist, unless you consider the inhabitants of the White House, so once again I’m curious why DOD, DHS, and several military bases are again nosing around in this site. Oh well, you warned me, and I chose to ignore it, so let the cards fall as they may. At least if something happens to me, no one will have to look very far for viable suspects! :(

  • http://justanothercoverup.com/ Bill

    Laura;

    On second thought, maybe you’re correct! This site has only been back on-line for a few days, and I have been monitoring it closely. AFAC has been examining almost everything on the site, or their investigators, and so far I have had the Department of Defense, Department of Homeland Security, and more than one military base monitoring this site.

    AFAC is the largest privately owned insurance company in the United States, and it seems that I might have struck a nerve – and was most recently visited by Fort Drum in New York, and they were reading the articles on American Fidelity Assurance Company, notably under a “locked referrer.” Since I can’t figure out what an Army base would consider interesting about an insurance company, I’m guessing that AFAC is using some of their political capitol to cause whatever trouble for me they can.

    It’s also possible I’m just paranoid too, but if you look at the Statcounter results, which can be accessed by going to http://www.statcounter.com with the log-in of “ineedinfo” with a password of “liberal” you can view for yourself the incredible activity of AFAC on this site. You won’t have any trouble recognizing which one they are, as the list of their visits is longer and more thorough than any other visitor.

    I’m certainly not an “enemy combatant”, don’t even know a terrorist, unless you consider the inhabitants of the White House, so once again I’m curious why DOD, DHS, and several military bases are again nosing around in this site. Oh well, you warned me, and I chose to ignore it, so let the cards fall as they may. At least if something happens to me, no one will have to look very far for viable suspects! :(

  • http://justanothercoverup.com Bill

    AFAC has already read the post, and is monitoring my site as they have been for months. I didn’t post this article to in an attempt to get AFAC to change their mind, but to alert other people that have policies with this company.

    I did read the policy, and asked several adjusters to clarify certain matters, as I stated in the article above. AFAC will not bend or move, and if I am lucky enough to get an attorney to take this case, the battle will be fought-out in Federal Court.

    This has now become a matter of principle. This company caused me to lose a very special woman and many friends. They have been dishonest and just about drove me crazy with their private investigators, and I am still under a psychiatrists care for clinical depression. If you believe this is how a “Long-term disability policy” should function, or if somehow anyone believes that it is the product it was represented to be – then I suggest a closer reading of the above article.

    I understand that this is David fighting Goliath, but someone has to alert the public to their deceptive business practices (my opinion) – and as it stands now, I certainly haven’t anything more to lose. This is a battle that has only started, and I sincerely believe the power of the pen is much more effective than any other means currently available to me – but most of all, it is imperative that other people become aware so that their futures are not wrecked in the name of profit. My fate is sealed, and my guess is that this huge privately held corporation is nothing but Republicans, so let the chips fall where they may.

    I appreciate your comment, but I will not delete this entry, or the many more I will be writing in the future. Unfortunately, I used-up five days pain medication to get this one done, so until I recover from this writing, I will fall somewhat silent for a while. One thing I can promise – this is only the tip of the iceberg – and the best is yet to come.

    Best Regards,

    William Cormier

    Post Script: You should also know that I shut-down this site over a month ago. It was causing me too much stress and pain to keep it going, and I intended on retiring and spending time with my family. AFAC’s decision has changed my life, I hate politics, and I dislike the constant stress associated with it, but now there is nothing left for me except to fight as long as I’m able – so in reality, this is the by-product of AFAC’s deception and dishonesty. I guess you reap what you sow…

  • http://justanothercoverup.com/ Bill

    AFAC has already read the post, and is monitoring my site as they have been for months. I didn’t post this article to in an attempt to get AFAC to change their mind, but to alert other people that have policies with this company.

    I did read the policy, and asked several adjusters to clarify certain matters, as I stated in the article above. AFAC will not bend or move, and if I am lucky enough to get an attorney to take this case, the battle will be fought-out in Federal Court.

    This has now become a matter of principle. This company caused me to lose a very special woman and many friends. They have been dishonest and just about drove me crazy with their private investigators, and I am still under a psychiatrists care for clinical depression. If you believe this is how a “Long-term disability policy” should function, or if somehow anyone believes that it is the product it was represented to be – then I suggest a closer reading of the above article.

    I understand that this is David fighting Goliath, but someone has to alert the public to their deceptive business practices (my opinion) – and as it stands now, I certainly haven’t anything more to lose. This is a battle that has only started, and I sincerely believe the power of the pen is much more effective than any other means currently available to me – but most of all, it is imperative that other people become aware so that their futures are not wrecked in the name of profit. My fate is sealed, and my guess is that this huge privately held corporation is nothing but Republicans, so let the chips fall where they may.

    I appreciate your comment, but I will not delete this entry, or the many more I will be writing in the future. Unfortunately, I used-up five days pain medication to get this one done, so until I recover from this writing, I will fall somewhat silent for a while. One thing I can promise – this is only the tip of the iceberg – and the best is yet to come.

    Best Regards,

    William Cormier

    Post Script: You should also know that I shut-down this site over a month ago. It was causing me too much stress and pain to keep it going, and I intended on retiring and spending time with my family. AFAC’s decision has changed my life, I hate politics, and I dislike the constant stress associated with it, but now there is nothing left for me except to fight as long as I’m able – so in reality, this is the by-product of AFAC’s deception and dishonesty. I guess you reap what you sow…

  • Laura

    It seems that you should have read the policy before you agreed to it.

    I don\’t think that making this public will help your cause. My experience has been that insurance companies often pay some claims even when they don\’t have to, it\’s good PR.

    If a Republican employee of AFAC, especially a decision maker, should stumble across this site your cause is hopeless…………… delete it the post

  • Laura

    It seems that you should have read the policy before you agreed to it.

    I don’t think that making this public will help your cause. My experience has been that insurance companies often pay some claims even when they don’t have to, it’s good PR.

    If a Republican employee of AFAC, especially a decision maker, should stumble across this site your cause is hopeless…………… delete it the post

    • Anonymous

      I think that Mr. Cormier has done a community service by making this information public. He helped me to analyze the actions of AFAC closely before signing with them. I think we should not fear the Republicans or the Democrats. I think they should fear the Constitution of the United States of America. And that Constitution will be defended as it defends us.

      • http://thepoliticalbandit.com/ William Cormier

        Thank you. I never intended that this article would change my situation one iota, and it hasn’t. I also believe that people who read this article are more likely to read the “fine print” in their policies before making decisions that could affect their well-being and their families.

        One cautionary note:

        When you seek clarification of any of the fine print, DO NOT accept their word for it, but get it in writing. You know they are lying when their lips are moving…

        • *****

            Just recently I purchased a whole life Insurance policy with American fidelity through my employer; but after reading  these postings I’m just a little concerned if I did the right thing. I realize that the topic is Disability insurance ( I have that too with AF ) but the whole life Insurance is something  I’m leaving to my children. Now I’m wondering  if when I die will American fidelity pay my beneficiaries ??

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