If a insurance advisor set up everything for you and your partner needs and then later on months go by another different

Expert's Assistant chat
Customer: if a insurance advisor set up everything for you and your partner needs and then later on months go by another different advisor visit and changes everything not knowing that she has excluded my partners life insurance and during that time my partner had ovarian cancer and crohns disease whilst i had suspected heart problems.
JA: What state are you in? It matters because laws vary by location.
Customer: the thing was all the test was made with the right health specialist and we both came back negative. We had another different insurance advisor stating the last visiting advisor changed everything in our original policy set up excluded my wife life insurance and added a partners for life policy for my two kids.Im at a loss to where i stand at the moment because the current insurance advisor is saying i can sue the female advisor who is no longer being employed by the company she works for and add matters to insult they have excluded my heart problems and if i reassign my wife back on the life policy she loses out on the cover of ovarian cancer and crohns disease because we both now have pre existing health issues.what i want to know if it worth carrying on with the life and health insurance to which im paying over $500.00 per fortnight on my life and my two kids policy and that not even covering my wife life insurance to which she is no longer signed up
JA: The Lawyer will be able to walk you through that. What steps have you taken so far?
Customer: at the moment ive contacted our current advisor and he has been giving me the run around eg i made a specific time to visit a meeting at my residential address to work in with my job he fail to turn up or contact me to which i contact him the following afternoon and the excuses he made well mate im at that stage in life ive been ripped off by so many people broken promises you get over it so quick, enough is enough. Ive been looking into other insurance companies that offer both life and health insurance for myself and my wife and now i just need your expert advice is all i need at the moment
JA: Anything else you want the Lawyer to know before I connect you?
Customer: no that's it thanks
Answered by Chris The Lawyer in 1 hour 1 year ago
imglogo
Chris The Lawyer
10+ years of experience
logo

42034 Satisfied customers

Expert in: Family Law, Legal, Estate Law, Real Estate Law, Criminal Law, Employment Law, Business Law, Consumer Protection Law, Bankruptcy Law, Traffic Law, Personal Injury Law.

logoimgimgVerified lawyers, 10+ years of experience
Chat with a Lawyer in minutes, 24/7
imglogo

Verified lawyers, 10+ years of experience

Save time and money. Get specialized help.

imglogo
Chris The Lawyer
10+ years of experience
logo

42034 Satisfied customers

Jessica

Jessica

Consultant

31,131 Satisfied customers

Pearl avatar
Lawyer's, Assistant
14 Lawyers are online right now.
img

Chris The Lawyer, Expert

HiI am a New Zealand lawyer based in Wellington and will help you with your question today. Please give me a minute to read the question
img

Chris The Lawyer, Expert

You need to think again what policies you can afford and whether it is even worth having the cover if there are so many exclusions. It does appear there was some mix up between the first advisor and the second, which has meant your cover was adversely affected. If you received negligent advice causing loss then you can sue the advisor
Ask a lawyer and get your legal questions answered.
See all Legal Questions
img
Related Legal Questions
How it works
logoAsk for help, 24/7
Ask for help, 24/7
Members enjoy round-the-clock access to 12,000+ verified Experts, including doctors, lawyers, tech support, mechanics, vets, home repair pros, more.
logoExpert will respond in minutes
Expert will respond in minutes
After you reach out, we match you with an Expert who specializes in your situation. Talk, text, chat, whichever you prefer.
logoSave time & money
Save time & money
No scheduling hassles, missing time from work, or expensive consults.
A JustAnswer membership can save you significant time and money each month.
img
logo 593 Verified lawyers, 10+ years of experience
DISCLAIMER: Answers from Experts on Askalawyeroncall.com are not substitutes for the advice of an attorney. Askalawyeroncall.com 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 as proposing specific action or addressing your 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 should be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on any information received from an Expert, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains. The responses above are from independent, freelance Experts, who are not employed by Askalawyeroncall.com . The site and services are provided “as is”. To view the verified credentials 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.
Explore law categories
Powered by JustAnswer