Tuesday 6th of December 2016 01:09:54 AM
Poor company in that they misrepresent fact. Applied early December 2016 and was told I would have response by end of year. This was very important to me as I was leaving my job through which I had life insurance that was in place for the sole purpose of providing for my disabled daughter in the event of my death. I did not receive a response even though I did what was requested of me in each instance immediately. The last I heard from my agent, they had everything but records from my Dr. so I called my Dr. and found out AAA had received Dr. records early January. There is not much to my records, I saw Dr. maybe six times over 5 yr. period.Finally couldn't wait anymore as my concern for my daughter grew... she would be homeless without this death benefit if anything were to happen to me. After leaving numerous unanswered messages for my agent begging for a response, I called the 1-800 number and discovered that I had been declined! The reason I was told was high blood pressure which I disclosed to my agent during my initial contact with her, which has always been under control and my blood pressure was good on day of my medical exam done by AAA representative. Reason two, anxiety/depression, also disclosed at first contact with agent. Reason 3, fibromyalgia which has no impact on life expectancy. At 61, I have never been hospitalized except for birth of my daughter and take 1 pill a day for blood pressure and occasionally 1 low dose ** for anxiety and my doctor took me off antidepressant since I didn't need it.So, for reasons disclosed before and during application I was declined AND not given even the professional courtesy by my agent of being notified. It took 2 months to be declined, I wasn't notified, calls were not returned and for reasons they were aware of on day one. If having high blood pressure, anxiety/depression (even though controlled by low dose meds) gets you turned down, why wasn't I told that on day one so I could have moved on? Why did they take two months coverage out of my account knowing I would be turned down? Why no response? Why did it take 2 months? Now that I have been declined, I can't get insurance meaning I am unable to provide for my disabled daughter. I am beyond unhappy with AAA believing that they knowingly took my application and $ with knowledge that I would be turned down. They take months of $ from thousands of applicants with knowledge that person will be declined.I hope people read this... beware! They are unscrupulous in their business dealings and once turned down, you will not be able to obtain other insurance OR you will have to pay more than double because of these health issues which are now in a MIB database for review by any other prospective insurer. It shows I have high blood pressure even though it was never very high and is well controlled with low dose med. Anxiety is from having disabled daughter, moving across country, leaving job, trying to find new job... all in an attempt to get better care for my daughter. Stay away from this company!