Its long, so hang with me.....
My younger stepbrother switched from being an electrician superintendent to selling insurance. He is one of those people that will never answer the phone nor return calls, unless he is going to benefit from it. So he gets going and then starts calling around to all of the family trying to sell insurance. He text me one day wanting to sell me some insurance and I told him I don't need any, nor do I mix family and business. Around that time, my mothers starts in about how cheap the policies are and that I should really look into it. I tell her no, b/c I don't mix family with business, I've been with the same agent for 10 yrs, my agent will answer the phone, yoda yoda yoda.
Around the same time, he is working on a deal with my mothers business and they end up going with some policy. To help him meet his "goal" he needed a few more people, so my mother takes out a whole life policy on my two girls and lumps it into the group. She doesn't ask if its ok or anything. So I had already told him no and he wrote them in anyway and I had already told her no and she did it anyway. When I found out, I got alittle ill but I thought maybe I was over reacting. I asked my mom for the paperwork about 3 weeks ago and never received it. I asked my stepbrother for the paper work 2 weeks ago and he said he would send it over right away.
So last night I called him again and told him to cancel the policy, citing the lack of communication, no paperwork, business/family, I had already told him no, yoda yoda yoda. He starts in with its a good deal, I haven't had time to get the paperwork, I'll lose my bonus, its not open enrollment and I can't remove them, etc. He asked if he could pay the premiums for a year, just to get the bonus. I told him to cancel it and then I get a text about 20 mins later saying the paperwork wasn't completed yet and they have been removed.
I'm alittle concerned that he will just keep them on the policy and just pay it w/o my knowledge.
Am I crazy for thinking this whole deal seems alittle fishy?
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