100% focused of taking advantage of naive trusting people. They talk seniors into trusting them and then sell them policies that defraud them to the limits of legality.
Trying to just close the accounts and take the loss, is a battle. They always have a reason to make you reapply the withdrawel application because a vague form is missing... over and over.
Details are always unknown by them. One office has to "Write" to another office to see what the problem is otherwise they dont have access to the information needed. (IT'S UNBELIEVABLE they can get away with this).
Monetary Loss: $100.