Thread: Complaint against Max New York Life Insurance

Dear Sir,

I have finally received the hard copy of my cheque which was issued to Max
New York Life Insurance and it is clearly visible that the date has been
tampered with.
Even a novice in the business can make out that the date on my cheque has
been changed/modified from 2.09.09 to 2.08.09. I would request you to kindly
help me out with further proceedings as this is a clear cut case of Fraud by
both these so called highly reputed MNC's.

How could HDFC officials accept and bounce a cheque with clear modification
in date! The reason for bouncing the cheque was "INSUFFICIENT FUNDS"!

On the other hand Max New York Life Ltd has tampered with my cheque
instrument which is a clear cut case of fraud and cheating!

I would request you to kindly help me out as this has been going on since
30th Aug and all this is causing a lot of mental depression to me.

Seek your help on the issue sir.


Sincere Regards

Adarsh Sharma
9311525279

FRAUD AND MISSELLING FROM THE TOP MANAGEMENT-MAXNEWYORK LIFE INSURANCE CO – BEGUMPET AND HYDERABAD BRANCHES -INDIA – ANDHRA PRADESH

SHAME FOR NEW YORK LIFE TO HAVE A TIE-UP WITH MAX INDIA LTD- PROTECT YOUR REPUTATION.

From VR CUSTOMERS- INDIA
RESPECTED SIR,

WE (CUSTOMERS TAKEN POLICIES FROM VR) ARE GIVING THIS DECLARATION AGAINST V.R.RURAL EQUIPMENT AND MAX NEW YORK LIFE INSURANCE CO. YOU ARE ONE OF THE MOST LEADING LIFE INSURANCE GAINT IN THE WORLD. WE JUST WANTED TO BRING IT YOUR KIND NOTICE SO THAT AN IMMEDIATE ACTION WOULD BE TAKEN AND CUSTOMERS WOULD NOT BE CHEATED.

THE FIRST MAX NEW YORK LIFE INSURANCE COMPANY OFFICE HAS STARTED ITS OPERATIONS AT BEGUMPET, HYDERABAD.(AP). AND NOW AT PRESENT THE SECOND LARGEST BRANCH IN HYDERABAD IS AT HIMAYATNAGAR(AP).

THERE ARE TWO INDIVIDUAL BRANCH HEADS AS MENTIONED BELOW IN THE FIRST AND SECOND POINTS.

1. FOR BEGUMPET BRANCH: IMTIYAZ
2. FOR HIMAYATNAGAR BRANCH: MOHAN DAS PILLAI.
3. AGENT NAME: MR.VANGALA RAMESH BABU
4. SALES MANAGER: RAJSEKHAR.

MR. IMTIYAZ, MOHAN DAS PILLAI AND RAJSEKHAR TOGETHER HAVE SOURCED AN AGENT ADVISOR BY NAME MR. VANGALA RAMESH BABU WHO IS THE MANAGING DIRECTOR FOR V.R.RURAL EQUIPMENTS- A BOGUS COMPANY. MR. VANGALA RAMESH BABU HAS BEEN RECRUITED BY MR.RAJSEKHAR AS MENTIONED IN THE POINT 4 ABOVE.

AFTER THE AGENT HAS BEEN TRAINED, ALL THE FOUR PERSONS(MENTIONED ABOVE) PUT TO GETHER HAVE PLANNED TO CHEAT THE RURAL CUSTOMERS WHO ARE VERY POOR AND MOSTLY DEPENDENT ON AGRICULTURE. THEIR PLAN WENT LIKE THIS:

MR. VANGALA RAMESH BABU HAS PROMISED THE PUBLIC THAT HE WOULD BE PROVIDING JOBS IN HIS COMPANY IF THEY HAVE APPLIED FOR A WHOLE LIFE POLICY IN MAX NEW YORK LIFE INSURANCE CO. HE HAS ALSO PROMISED THAT ONLY THE FIRST PREMIUM WOULD BE PAID BY THE POLICY HOLDER AND FROM THE SUBSEQUENT PREMIUM ONWARDS MR.RAMESH BABU WOULD BE DEBITING FROM THEIR SALARIES. ALL THE FOUR PERSONS(MENTIONED ABOVE) HAVE PROMISED THE SAME. IN THE MEANWHILE THE AGENT MR.RAMESH BABU, IMTIYAZ AND MOHAN DAS PILLAI HAVE GOT THE CASH CONVERTED TO DEMAND DRAFTS BEFORE FILLING THE APPLICATION FORMS AND BEFORE TAKING CUSTOMERS SIGNATURE.

INNOCENTLY THE PUBLIC HAVE PAID 10000 EACH ON EVERY POLICY.
MR RAMESH BABU HAS SOURCED 20000 THOUSAND POLICIES ACROSS ANDHRA PRADESH.(INDIA)
MR.MOHAN DAS PILLAI, IMTIYAZ, RAJSEKHAR AND RAMESH BABU HAVE STARTED FILLING THE APPLICATION FORMS AND WITH THE HELP OF EXPERTS, THEY HAVE FORGED ALL THE CUSTOMERS SIGNATURES ON THE PROPOSAL FORMS.

ALL THE PROPOSAL FORMS GOT LOGGED AT BEGUMPET OFFICE AND HIMAYATNAGAR OFFICE. AFTER THE POLICY DOCUMENTS HAVE BEEN ISSUED BY THE HEAD OFFICE, THEY WERE BEING HIDDEN IN MOHAN DAS, IMTIYAZ AND RAJSEKHAR’S HOUSE TILL THE END OF FREELOOK PERIOD. ONCE THE FREE LOOK PERIOD HAS BEEN CROSSED, THEY STARTED ISSUING THE POLICY DOCUMENTS TO THE PUBLIC, IN ORDER TO AVOID FREELOOK CANCELLATION.(I.E CANCELLATION DURING THE FIRST 15 DAYS ONCE THE POLICY HAS COME INTO FORCE.)

NOW MR, RAMESH BABU HAS EARNED RS.20000000 COMMISSION AND IS ABSCONDING.
MR. IMTIYAZ HAS EARNED COMMISSION OF RS. 3000000 MR. MOHAN DAS HAS EARNED A COMMISSION OF 5000000.

SPEAKING ABOUT THEIR CHARACTER, THEY ARE HAVING ILLEGAL RELATIONSHIP WITH FEMALE OPERATIONS STAFF ALSO.

KNOWING THE FACT, WE ALL GOT IRRITATED STARTED VISITING THE VARIOUS OFFICES ACROSS ANDHRA PRADESH IN GROUPS OF 1000 TO 2000 AT ONCE DEMANDING FOR THEIR REFUND.

FINAL CONCLUSION:
1. TOP LEVEL MANAGEMENT (IMTIYAZ, MOHAN DAS) SHOULD BE ARRESTED AND SHOULD MAKE THEM NAKED AND PRODUCED AT COURT OF LAW.
2. MR.IMTIYAZ AND MOHAN DAS PILLAI SHOULD BE TERMINATED FROM THE JOB WITH IMMEDIATE EFFECT.

3. THE COMMISSION WHICH THEY HAVE EARNED HAS TO BE DISTRIBUTED TO THE PUBLIC.


4. TOP MANAGEMENT PERSONS FROM HEAD OFFICE, MR.RAJENDER SUD SHOULD TAKE IMMEDIATE DECISION AND SEE THAT THE MONEY IS REFUNDED TO EACH AND EVERY POLICY HOLDER AS THIS IS FRAUD SALE WHETHER THE POLICY IS IN FREE LOOK OR NOT.
5. OR ELSE MR.RAJENDER SUD SHOULD ALSO BE MADE NAKED AND PRODUCED IN THE COURT OF LAW.

WAITING FOR YOUR REPLY AND DO NOT SPOIL THE REPUTATION OF YOUR COMPANY. ALEADY PUBLIC STARTING SPITTING ON YOUR FACE WHEN EVER THEY START HEARING THE NAME OF MAX INIDA AND NEW YORK LIFE INSURANCE.

YORURS FAITH FULLY

VR CUSTOMERS.

dear sir,
Two mails has been sent to the office while nothing has been done by MNYL till date . shame on this company





Dear Sir,
As per your appended mail dated 4 dec. 2009 i am sending you my complaint regarding fraud signatures and theft of my license. It's my humble request that please seek into this matter rather than believing more on pen .

Dear sir,

1. I was working with your elite organization as insuarance agent with my agent no. 225745 branched at hoshiarpur under the supervision of TM Mr. jaswinder singh .

2. Intially all started well and i was getting full support of all peers and colleagues but with course of some time shocking things happened with me which i think should not happen and not to be ignored.
3. I was assured to get the valid license which was issued to me by IRDI as a competent authority . A long with that a identity card which recognizes me as a member of big MNYL faimily.

4. First of all , i was not issued my license which has to be given to me with start of my carrier as sales agent . When i enquired about this, my TM told me that it could only be issued if you submit at least any five policies. Being new to the concept of insuarance i considered it as company policy and submitted 5 policies with in the period allotted to me .
5. But surprisingly till date it is a pending issue. Well the matter was in heat another shocking thing happened my cheque (c/o my name and axis bank )was issued to some person with the duplicate fake signatures which was produced on the recieving register . the incharge of all was Ms. heena who according to my infmn. has been posted at Phagwara now..
6. when i enquired about this she kept herself mum and told that she don't know. But i warned for a legal action that could harm her image then with immidiate effect she shown me the register and i was shocked . later on i came to know that in order to mentally harrase me for generating business my reporting TM Mr. jaswinder singh has signed on that register with the mutual consent of Ms.heena.
7. Anyway i kept myself mum and ignored the matter as i was able to recieve cheque from the pocket of TM Mr. jasvinder singh .
8. Now at this stage i lost my faith on the attitude and sincerity on staff .
9. Then another matter comes into light that i was produced as witness in many polocies which was signed by other person and in allmost in all cases i even don't know the face of persons . Yet , these were issued to the concern persons.
10. The most frustrating incident happened when i went to the branch office to collect my license but i was shocked (and it's a matter of shame to the company ) that again with the mutual consent of Ms. Heena the license were issued along with my I card and very strange in this episode is that the coloumn of signature which was scaled for license was signed by me but not issued to me and the i card which was not signed by me is with me now.
11. when i tried to light bthis matter to the BM and RSM , everybody ignored this and issued a simple clarificatin of obtaining the duplicate copy . In meantime i established contact with Ms. heena and she informed me that this time i can't verify my register because it's official and i have no right to see despite being a sales agent . Now my question is IF THIS REGISTER IS REALLY AN OFICIAL THEN
WHAT ABOUT FAKE SIGNATURES WHICH WERE PRODUCED IN THE PRESENCE OF TM ,
ASM AND Ms. HEENA DURING OFFICIAL TIMINGS AND NONE OF THE STAFF BOTHERED THIS THAT WHAT IS HAPPENING .
11. And company expects business ?????? .
12. not even a single person told me that i can't do this job as i am also working with thomson reuters (Reuters news agency) as Chief market reporter.
13. could have been in the hands of local media can help me a lot but i expects some official intervention .
14. legally i can demand the copy of my signatures through RTI and can put this matter on table .
16. now its more than three months with no action So, at last kindly do the needful .

On Fri, 04 Dec 2009 12:07:16 +0530 wrote
>Dear Mr. Singh,

Thank you for writing to Customer Services
at Max New York Life Insurance.

This is with reference to your query
regarding fraud signatures and theft of documents.

We would inform you that please provide
your complaint in writing so that we can forward it to the concerned department.


Regards,
Virendra Singh
Customer Services
Max New York Life Insurance Co. Ltd.
Operation Center, Plot No. - 90 A
Sector - 18, Udyog Vihar
Gurgaon - 122002
Tel - 0124 – 4239599
Toll Free - 1800-180-5577
Fax number -- 0124 – 4239683

================================================== ================================================== ================================================== ==================

From: "gurpreet
singh" <grptsngh_22@rediffmail.com>
To: <service.helpdesk@maxnewyorklife.com>
Cc: <vikas.dutta@maxnewyorklife.com>
Date: 11/30/2009
01:18 PM
Subject: Fw:
Attention : fraud signatures and theft of documents





Dear sir,
till today i recieved neither my documents
nor any call . the matters is pending and ut appears that the matter has
been ignored. uyou are requested to enquire .

regards
gurpreet singh saini

Note: Forwarded message attached

-- Original Message --

From: "gurpreetsingh" grptsngh_22@rediffmail.com
To: service.helpdesk@maxnewyorklife.com
Cc: vikas.dutta@maxnewyorklife.com
Subject: Attention : fraud signatures
and theft of documents


----- Message from "gurpreetsingh"
<grptsngh_22@rediffmail.com> on Unknown -----
To: <service.helpdesk@maxnewyorklife.com>
cc: <vikas.dutta@maxnewyorklife.com>
Subject: Attention
: fraud signatures and theft of documents


To,
1.Mr. Vikas dutt
Vice president &Head -Distribution
operations

2.Manager
Help desk

3. Office head (gorhsp1)


Throgh this mail i want to bring into
your kind notice about the illegal and unauthorized activities which are
going in your Hoshiarpur anr this is too, with the proper consus of Some
senior bodies .
I was working earlier as Max new york
agent with Agent code no. 225745, branched at hoshiarpur under TM guida
nce of Mr. jasvinder singh .
1. well, i started to participate actively
with my full strength and tried to give as maximum as to the company as
a agent . But it took no longer to know that what actually is going in
your organization when i discovered my oen replicated signatures on an
official registers as well as on some policies which was later found to
be maintained by your own official Ms. hena . she with his full sense allowed
to continue this wiothout intimating me .
2. the whole episode comes into my light
when last year i just demamnded my cheque (i do not remmeber properly but
it is axis. 3512821)and on demand Ms. heena told me that the cheque was
already issued to you . when i enquirted about my signatures and surprisingly
when chequed it was mimiced by some official from your branch . On being
enquired she was not ansewered prperly and matter was thrown for furthur
phase. But when i told them that i will going to persue the matyter in
court then with in no time she called my TM on phone AND I RECIVERTED MY
CHEQUE FROM HIS POCKET . WHAT A ORGANIZARTION IS THIS ...............

2. Well the matter from my side was
so what closed but again a new incidence ocurred when i foung that all
the four signatures of my friend Mr. raminder singh was fake and the documents
were released to the concerned person considering that the former has signed
self . omj being called on phone my friend who is ludhiana based reporter
from reuters news agency shocked me by expressing that he has never visited
hoshiarpur and no body has even told me to collect my documents . In my
case two of signatutres were done from my side while two signaturtes were
dome by me with full sense but strange thing i was not issued any of thye
two documents which were signed by me that is my license whili i have my
Max ID card which was not signed by me . Most shocking thing is that the
fake signatures were matchiong with the calligraphical as well as w3riting
skills of My TM mr. jasvinder singh and the register were thoroughly maintained
by Ms. heena now posted at Phagawara branch.

3, in some policies my replicated signatures
were produced by some of your branch officials and having no intimation
to me without my knowledge .

the whole episode was buoght to the
notice of your ASM , 2 months back to investigate but he has shown ni intrest
and keeen to remain away from this . When contacted your branch manager
, he informed me that he joined after this whole episode started so he
cant do anything.
4. When telephoned to heena she clearly
denied from all this and when i demanded photocopies of this register she
TOLD ME THAT IT IS OPFFICIAL REGISTER AND BRANCH CANT PROVIDE ANY PHOTOCOPY
TO AN AGENT . MY QUESTION IS IF THIS REGISTER IS REALLY AN OFICIAL THEN
WHAT ABOUT FAKE SIGNATURES WHICH WERE PRODUCED IN THE PRESENCE OF TM ,
ASM AND Ms... HEENA DURING OFFICIAL TIMING ???????????????????????????????.


5. some of your branch officials has
told me that Some of TM has produced fake PAN Cards to generate sourcing
but on this oint i can advise to kindly investigate i have no proofs but
these are the wordings of your officials who may be working may left .
but has some weight
i am regularly getting letter of my
termination as agent from your but how can a person will give you a business
when his own branch officials are involved in this type of activity . When
we go for justise to your branch officials no body helps us.
Sir, through this mail i just want to
bring into your notice about activities happening . Being part of MAX faimily
i consider it as my moral reponsibility. But i am also in contact with
my legal advisers who are guiding me for furthur actions . Presently i
am working as chief reporter with Reuters News agency and if no action
taken i will definately going to take up this mater both in court as well
as local media . Because since year has crossed no body from your caompany
ahs provided me justice and i was harrassed by your officials . i think
it is too much for me now. Kindly respond me with in 7 days of this mail
, otherwise i will be liable to put these episodes into legal desk

regards
Gurpret singh saini
09888306474
with consus from
rAMINDER SINGH
0988852120

.................................................. .................................................. .................................................. .................................................. ................
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.................................................. .................................................. .................................................. .................................................. ...............

This is to register my deep sense of dissatisfaction with Max New York Life Insurance Ltd.

I received a call from one of the MNYL offices on the 27th of January 2010 informing me about the due date of payment of premium (28th of Jan.) and whether they should send an agent to collect my cheque. I said yes...they should send me an agent to collect my cheque and I will be available at my new office address which was also informed to them. I was told that a collection agent will contact me from 3 to 5 pm on the same day and would collect my cheque.

Since then I had received 3-4 calls from MNYL everytime confirming whether my premium cheque had been collected and when I say no, the same answer follows that they would send someone immediately with no one turning one at the end of the day. For some reason I could not leave the signed cheque in my office and I had to wait all these days for someone to come and pick up my cheque.

Then on the 30th of Jan. I had to launch an official protest by writing an e-mail which is as follows alongwith responses from MNYL -

Ramit BasuDear Customer Care Executive, Hello! This is to launch a formal complaint aga...
Jan 30 (3 days ago)

Ramit BasuLoading...Jan 30 (3 days ago)

Reply |Ramit Basu to Service.Helpde., show details Jan 30 (3 days ago)



Dear Customer Care Executive,

Hello! This is to launch a formal complaint against the failure of collection of my premium cheque of an amount of Rs.7500 which was due on the 28th of Jan. I had received calls from your office on the 27th, 28th and 29th wanting to know if they can send a collection agent to pick up my cheque. I had indicated my willingness that a collection agent should pick up my cheque from C-504, Grnd. Floor, Defence Colony, New Delhi (my new office address which was also communicated to your tele-caller at the time of the conversation).

Since then I had waited on the three days for the agent to pick up my cheque as I could'nt leave the cheque in my office due to certain reasons. But from the 27th till the 29th no one turned up despite of assurances fromyour office that someone would definitely come by 2 - 5 pm.

This is a very sorry of state of affairs on the part of Max New York Life and if this be the way customers are handled then it certainly does'nt reflects the cuctomer friendly attitude and professionalism of your organization. I had raised similar issues even earlier but it seems such matters are never taken up at the appropriate level to ensure that they do not get repeated.

This has resulted in my payment getting delayed for which I am not at all responsible. May I now expect that someone would positively collect my cheque on Monday without failure and that I should receive a call from the collection agent to know about my exact whereabouts before he comes to collect the cheque.

I hope this will not get repeated or else I will be forced to take up this matter at the highest level as such sort of attitudes on the part of MNYL is just not acceptable.

Best wishes and regards,

ramit

Service.Helpdesk@maxnewyorklife.comHi, Thank you for writing to Customer Services at Max New York Life Insurance...
Jan 30 (3 days ago)

Service.Helpdesk@maxnewyorklife.comLoading...Jan 30 (3 days ago)

Reply |Service.Helpdesk@maxnewyorklife.com to me, Manish.Rathee
show details Jan 30 (3 days ago)


Hi,

Thank you for writing to Customer Services at Max New York Life Insurance.

Would request you to please provide your policy no. for further assistance.

You may also get in touch with our Customer Help Line number 1800 200 5577 ( toll free from any network)

We assure you that we will continue to provide you with the service that Max New York Life is committed to deliver.

Regards,
Customer Services
Max New York Life Insurance Co. Ltd.
Operation Center, Plot No. - 90 A
Sector - 18, Udyog Vihar
Gurgaon - 122002
Tel - 0124 - 2542001
Toll Free - 1800-180-5577 // 1800-200-5577
Fax number -- 0124 - 4239683


Ramit BasuMy policy number is 423450873.
Jan 30 (3 days ago)

Ramit BasuLoading...Jan 30 (3 days ago)

Reply |Ramit Basu to Service.Helpde.
show details Jan 30 (3 days ago)



My policy number is 423450873.

Reply |Service.Helpdesk@maxnewyorklife.com to me
show details Jan 30 (3 days ago)


Dear Mr. Basu,


Thank you for writing to Customer Services at Max New York Life Insurance.


We acknowledge the receipt of your request and our Customer Service Executive will get in touch with you shortly.

Please note that the reference number for your request is.......1822186.

We request you to quote the above number in all future communication with MNYL representatives


You may also get in touch with our Customer Help Line number 1800 200 5577 ( toll free from any network)

We assure you that we will continue to provide you with the service that Max New York Life is committed to deliver.

Regards,
Customer Services
Max New York Life Insurance Co. Ltd.
Operation Center, Plot No. - 90 A
Sector - 18, Udyog Vihar
Gurgaon - 122002
Tel - 0124 - 2542001
Toll Free - 1800-180-5577 // 1800-200-5577
Fax number -- 0124 - 4239683

As you can see I have'nt yet received any satisfactory response from MNYL till date and even on calling their customer care number or any of the branch number, I get to hear the same thing with no further action. Further, their website does'nt lists any contact detail of senior executives of MNYL to whom customers can contact if the call centre or local branch is not responding to. Even on calling and requesting for a talk with the senior executive, the calls either becomes suddenly blank or I am put on long hold.

Now this is certainly unacceptable behaviour on behalf of the company towards it customers and if this be the state of affairs then they should better shut their shops and not continue to harass the customers.

Most importantly, this is not the first time such lapses are hapenning and I had registered similar complaints even earlier as I am holding a policy since mid of 2006.

I am sure there must other customers as well who are facing such problems and its high time that either the senior management takes stock of the situation and puts the house in order or else the court of law takes step to pull up MNYL for an explanation and improvement in services.

Thanks and regards,

ramit

Dear Sir,
REG : POLICY NO-765918776
I got my wife Parminder Kaur's life insured by Max New York Life Insurance Ltd. thru thier agent Mrs.Seema Singh of Branch
SCO 11,Sector 16,Near Green Chanell,Faridabad.

The above said Proposal Form was duly filled in.The commitment was ; coverage for Rs.2,50,000/ for 11years and half yearly premium of Rs.12500/ was paid vide cheque no.173659 dt.07.12.2009 drawn on State Bank of Hydrabad,New Delhi.

I am shocked to see the contents of the Policy.It absolutely differs from my commitment.Before making cuttings on the Proposal
Form no 2, the agent got my signatures at the bottom of page.Thereafter she made the cuttings and gave the remarks which I am absolutely unawareof.It clearly shows the malafide intentions of the agent as to earn more commission or to complete her target or whatever.I am forwarding herewith the copies of the Proposal Form for your scrutiny.

I shall be grateful to if you are kind enough to look into it and revert back.

Your early neccessary action will be highly appreciated.

Mandeep Singh
(Mob.No 09911146431)

Finance -Share Complaints,Insurance Complaints.Consumer Complaint About Insurance, Max New York Life Insurance, Jalandhar
Did not pay the claim,Jalandhar
Max New York Life Insurance / Insurance

Finance -Share Complaints / Insurance Complaints
Complaint ID: 262 2010-02-25 Posted by: Saurabh Gupta


Dear Concerned,

It has been real bad experience with this un-professional company. My brother Sumit Gupta resident of Jalandhar has got a policy with MNYL from last few years in which critical illness is covered like cancer, stroke, heart related etc.

About a year ago,in a test Doctor of Satyam hospital told us that he has got a brain tumour which is as per doctor is a form of Cancer.
We had his operation and treatment done at Satyam. After that we submitted a claim at MNYL which they simply rejected saying this is not covered and brain tumor is not a cancer. So, these guys are challenging doctors abilities. Obviously doctor can't do more than that in the issue but it simply sounds that this fraud company is not willing to give the claimed money.

Need your help to help us sort this issue your honour.

check you at gmail dot com

MNYL conducts a short training capsules for raw agents who sell policies to friends and acquaintances without knowing the implications of the policies themselves. As a result, the people who buy the policies are misled into thinking their money is in safe hands and will give assured dividends.
A rude shock awaits you at the end of the 'lock in period' when you are told that the surrender value of your hard earned money is only a small fraction of the amount you have paid as premium over the years.
They blame the agent who sold you the policy for not explaining you the fine print... and express their inability to trace the agent now !!! how unfortunate !!!
The situation is so helpless and frustrating for the poor customer that this HAS TO BE A MODUS OPERANDI of Max New York Life Insurance Company.
I have lost over Rs 150,000/- in this manner.(Policy Nos 305825259, 435230255 and 436810089)

You are requested to issue an advisory or take steps to safe guard common people against such tactics used by unscrupulous insurance companies.

yours sincerely,
Pem