Since I left my job that provided life insurance, the process of getting my own has been ridiculous.
My husband wasn't too keen on the idea because he thinks we're immortal, so he left it to me. And I am horrible with anything financial. But I figured I could find an agent to take care of it for us.
First I got a recommendation from my boss of a really good agent. But this agent seemed reluctant to work with us after my husband wanted a guarantee he wasn't going to sell our medical info.
Then I got a second recommendation of an agent. Who has done nothing but lie to us. I knew insurance agents were pushy but I never thought they could be so sleazy. This guy (unbeknownst to me when I hired him) is a contractor for an insurance company that sells mostly whole life insurance, not term. So he offered us horrible deals on term insurance ($5,000 a year for my husband, who is mid-thirties and relatively healthy). And he has been really reluctant to get us quotes from other companies.
We've been working on this for about five months and now are contemplating a third agent. We've already filled out tons of paperwork and had physicals and I just want to cry at the thought of doing it all over again.
Why is it so goddamn hard to just buy some simple life insurance.