Policy changes

I am not unhappy with the policies, and making changes or reverting annual increases is easy. However there are 2 very frustrating issues with the policies: 1. The free gifts are marketing schemes, if you accept a free gift you get bombarded by the company to order things, and the way these calls are worded it is easy to misunderstand that you are entering into a contract with them and it costs money that you cannot easily get out of. 2. The regular calls to increase the payout of the policies. They do not make it clear that this is at additional cost, they run through the script so fast without stopping to confirm that you understand each thing. So at the end you are left agreeing to something but it is actually unclear that your debit order is going to be a higher premium. I have learnt now to not agree when I cannot afford to do so.

And this is my biggest issue. If I plainly state that I cannot afford changes to my policies, the agents plow on ahead saying they understand but blah blah blah. And instead of checking with me they just carry on with the script. Declining the changes to the policy is so difficult. I do not like to hang up on people or be rude, but it feels like the only way I can get through to the agents is if I do one of those things. It is a truly awful experience. I am a single mother barely able to afford the policy I do have. When I tell the agent that I will not be able to afford food if I change the policy I am just plowed over with their script. Please, be more mindful that listening is sometimes more impirtant than your script. I feel awful after every call and it is so dissapointing. I do not want to lose my benefits, but I start feeling like I would rather lose the benefits than constantly be harrassed by uncaring agents.