Quality sales agent

After being ****med 20K back in the early 2000's by FNB, still waiting for my refund to date and I told myself no more doing business telephonically until the previous week. I took a legal policy with Thando Mtyuo(not certain about the spelling) who works for Clientele Life. Sales agent never give out factual product information such as "waiting periods, excess fees, impacts of missing fees" etc. Thando Mtyuo explained everything to me and I was impressed however here is the catch "Pre-existing matters are not covered but telephone legal advice will be given after first premium" I heard that line very well and I dont blame agents for this. The clientele management has to work on that because they're losing a high volume of clients. The agent insisted I take the policy for legal advice and future assurance which is why I took policy. Remarkable service from the agent and heads to clientele life