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Primeamerica offers a term policy, whereby they claim part…

Primeamerica offers a...

Primeamerica offers a term policy, whereby they claim part of monthly payment will be invested in mutual funds, which stays with you, when the term of the policy ends. How legitimate is that?

Lawyer's Assistant: What state are they in? It matters because laws vary by location.

New York

Lawyer's Assistant: What steps have they taken so far?

I spoke with an agent last Sunday. Someone is coming to do biometrics today, bur I am skeptical. Somehow, I felt forced to signed some paper work on Sunday, however, she explained that it first has to be approved. On Monday, I called the lady and told her I was not sure if I wanted to take the policy. She was very manipulative and that made me nervous. What are your thoughts?

Lawyer's Assistant: Anything else you want the lawyer to know before I connect you?

She wanted me to surrender my whole life policy with New York Life to take this term policy with Primeamerica.

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Answered in 1 minute by:
3/24/2018
INFOLAWYER
INFOLAWYER, Attorney
Category: Legal
Satisfied Customers: 62,900
Experience: Licensed attorney helping individuals and businesses
Verified
It’s legit but keep in mind that with all term policies if you outlive the policy term you have nothing so if they claim otherwise get it in writing.Please let me know if the reply is acceptable by responding “yes” or “acceptable”If you have a follow up, just reply and ask me!
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Customer reply replied 3 months ago
Thanks
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INFOLAWYER
INFOLAWYER, Attorney
Category: Legal
Satisfied Customers: 62,900
Experience: Licensed attorney helping individuals and businesses
Verified
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DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

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