Locked: Life Insurance - Bait and Switch?

Ludepower wrote: ↑ 36 Male with a health issue that’s under control and needs no medicine.

I clearly told the insurance adjuster about my health condition and wanted the quote to reflect that knowing I’ll likely pay a little extra.

His quote for term 20 was $36/month so I agree. After the insurance company (empire life) does their due diligence and my new price is $53/month.

I feel like I got bait and switch. I told the adjuster beforehand to give me an accurate quote as possible before I agreed to give them my blood and pee. A 50% price increase is beyond acceptable.

So yea I’m stuck in limbo now wondering if I should proceed with this shady quote or take my business elsewhere.

robsaw wrote: ↑ So, did the quote change because of the medical test sample analysis? If so, there is no bait-and-switch, as the quote was contingent upon "due dilgence" by the insurer.

Ludepower wrote: ↑ The issue I have is the adjuster gave the the original quote which included a premium for my health condition. $36/month term 20.

I’m just peeved with his experience or atleast a warning saying the final quote could be 50% more.

Kinda slap in the face with the last minute price difference. I guess I should get another quote for another person to compare. I don’t know.