slashrayout

As an insurance agent I'm with you 100% on both counts. We have a very large book of business and do our best to prevent issues from arising, but every now and then something slips through the cracks (or, more frequently, people don't return our calls) and a client just gets screwed with no way to sort them out. I always feel bad but...it's kind of how the system is set up.

Unfortunately (and this can vary from state to state) some documents are required to be mailed. Just, like...open your mail dude. It only takes a minute and you may be saving yourself a lot of future grief.

Learn to adult, people.

It's not technically insurance fraud. The company will give him (I'm assuming his policy is structured this way) replacement cost value to repair the roof. If he can find a roofer to do the work cheaper than the company's estimate, there's no problem.

I have had people tell me "If I never read it, it shouldn't count". Oy vey.

Term insurance is just throwing your money away. If you purchase a whole life policy you're establishing a cash reserve and can borrow money from the policy in an emergency. It's almost always better to go with whole life if you can afford it, barring a few specific situations). Also, if you don't have any dependents a term policy is even more of a money waster.

Edit: I probably should have said I deal almost exclusively in commercial coverage. Life insurance is generally something I avoid like the plague! We do have an expert here in the agency and after showing him what I said, he shook his head and told me to refer any further inquiries to him. Love that guy.