Unique Writers, Inc.

Unique Writers is a National Insurance Marketing Organization. We work with hundreds of independent agents nationally. These agents run their own businesses and operate independently. Unique Writers provides training and contracting for agents to allow them to represent a number of leading insurance...

carriers. Agents that work with unique Writers have the option to operate under the name of Legacy Life Insurance Solutions. They are not employed by this entity or Unique Writers.Regardless, we are very concerned when a complaint, although rare, such as this comes to our attention. This is the first we have heard of this matter and will work diligently to resolve it with the consumer.A couple of noteworthy points. The agent mentioned in the complaint is no longer associated with us. She may or may not be working in the insurance industry currently. She has had no dealings with us for many, may months now and is believed to have moved on to another line of work.The consumer indicates that they were sold a product which was not mortgage insurance. Agents working with us draw upon a number of carriers and products to meet a customer's needs. A number of different life insurance carriers and policies may serve to provide valuable protection to consumers including mortgage protection. As the complaint does not list the insurance carrier information, it will take some investigation to determine which carrier and product was used. When the consumer received the policy and found that it was not what they wanted, they could have returned it without any financial responsibility at all.  A "Free Look" period provides them at least 30 days to decide if the policy is right for them or not, and they may return it during that time frame for a full refund of any monies that may have been collected. It appears that now more than a year and a half has gone by since the consumer purchased the policy. A simple call to the insurance carrier at any time since then would have resolved the situation right away. Note that the agent does not and cannot withdraw funds from the consumer's bank account. The insurance carrier is the only one that does that. We will reach out to the consumer and help them determine exactly what policy they have, the carrier, and how to easily cancel the policy if they still desire to do so. We apologize for the consumer's inability to reach the agent who, as previously mentioned, was an independent contractor and we have no control over their business or activities. Had we received a call from the consumer we would have likewise worked to resolved this with them. We strive to work with the best agents in the industry and constantly emphasize to them in our training and dealings of the importance of always doing the right thing for the consumer. Our goal is to help agents provide superior service to their clients so that they create long, lasting relationships that are to the benefit of all parties involved.Sincerely,Unique Writers dba Legacy Life Insurance Solutions

Review: I was contacted by [redacted], after calling a solicitation to inquire about Mortgage insurance for my home Mortgage. I specifically asked her for a product that would pay off my mortgage in the event of my death. She came to my home and sold me a policy that was not Mortgage Insurance. She informed me that this was in fact Mortgage insurance, and the policy would fully cover my mortgage. She signed me up for automatic deductions every month. When I signed the contract, it was much different than the copy she mailed me. She took the original with her and then mailed me a copy much later. When I reviewed the copy it was not what we discussed. When my daughter caught her lying, she said that Life insurance is mortgage insurance and they are one in the same. She also said that I purchased life insurance for which she was taking out of my account monthly. I asked her to cancel and she continued to cancel. She came to my home to solicit my business then when I attempt to cancel she does not respond or help. She continues to fraudulently withdraw funds from my account monthly.Desired Settlement: I would like a refund however I don't see this as happening because she won't even return my calls. So I would be so thankful if this matter can be fully investigated. She took advantage of me financially and committed fraud. My daughter is planning on notifying Adult Protective Services to ensure she never takes advantage of other seniors. We are living on limited income and when we reach out to Agents they should never take advantage of us. Everyone will be senior citizen one day.

Business

Response:

Unique Writers is a National Insurance Marketing Organization. We work with hundreds of independent agents nationally. These agents run their own businesses and operate independently. Unique Writers provides training and contracting for agents to allow them to represent a number of leading insurance carriers. Agents that work with unique Writers have the option to operate under the name of Legacy Life Insurance Solutions. They are not employed by this entity or Unique Writers.Regardless, we are very concerned when a complaint, although rare, such as this comes to our attention. This is the first we have heard of this matter and will work diligently to resolve it with the consumer.A couple of noteworthy points. The agent mentioned in the complaint is no longer associated with us. She may or may not be working in the insurance industry currently. She has had no dealings with us for many, may months now and is believed to have moved on to another line of work.The consumer indicates that they were sold a product which was not mortgage insurance. Agents working with us draw upon a number of carriers and products to meet a customer's needs. A number of different life insurance carriers and policies may serve to provide valuable protection to consumers including mortgage protection. As the complaint does not list the insurance carrier information, it will take some investigation to determine which carrier and product was used. When the consumer received the policy and found that it was not what they wanted, they could have returned it without any financial responsibility at all. A "Free Look" period provides them at least 30 days to decide if the policy is right for them or not, and they may return it during that time frame for a full refund of any monies that may have been collected. It appears that now more than a year and a half has gone by since the consumer purchased the policy. A simple call to the insurance carrier at any time since then would have resolved the situation right away. Note that the agent does not and cannot withdraw funds from the consumer's bank account. The insurance carrier is the only one that does that. We will reach out to the consumer and help them determine exactly what policy they have, the carrier, and how to easily cancel the policy if they still desire to do so. We apologize for the consumer's inability to reach the agent who, as previously mentioned, was an independent contractor and we have no control over their business or activities. Had we received a call from the consumer we would have likewise worked to resolved this with them. We strive to work with the best agents in the industry and constantly emphasize to them in our training and dealings of the importance of always doing the right thing for the consumer. Our goal is to help agents provide superior service to their clients so that they create long, lasting relationships that are to the benefit of all parties involved.Sincerely,Unique Writers dba Legacy Life Insurance Solutions