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BUYER BEWARE!

Hey there, folks! Welcome to our Buyer Beware page.

You know, in this wild world of insurance, it's easy to get caught up in the whirlwind of promises and contracts. But here's the deal – not everyone's playing fair. We're here to shine a light on the shady tactics some companies use to snag your info and trap you into contracts you didn't even know you signed up for. So grab a seat, buckle up, and let's dive into the nitty-gritty of protecting your privacy and rights in the insurance game.

Buyer Beware

1. Information Collection Tactics

  • Misleading Forms: Some websites use deceptive tactics to collect personal information, such as promising free quotes but actually selling your data to third parties. This is why you get hundreds of calls from everyone and their aunts & uncles when you fill these forms out. You even get calls from people in other countries. 
  • Hidden Data Sharing: Be wary of companies that bury disclosures about sharing your information deep in their privacy policies or terms of service.
  • Invasive Tracking: Certain websites may track your online behavior across the web without your consent, leading to targeted advertising and potential data breaches.
  • Free quote: Here's the deal, no one charges for insurance quotes. Insurance quotes are always free.
  • conclusion: If you ever have a bad gut feeling then simply do not fill it out or give your information.

2. Traps in Insurance Contracts

  • Auto-Renewal Clauses: Watch out for contracts with auto-renewal clauses that automatically renew your policy without your explicit consent, locking you into another term.
  • Excessive Cancellation Fees: Some contracts impose hefty fees for canceling your policy early, making it difficult to switch providers or adjust coverage as needed.
  • Fine Print Exclusions: Always read the fine print to understand exclusions and limitations in your insurance coverage, as some companies may try to deny claims based on technicalities.
  • Conclusion: Again, if you have a bad gut feeling or a feeling of discomfort in any way then simply do not fill it out or give your information. 
Buyer Beware
Buyer Beware

3. Protecting Yourself

  • Read Before You Sign: Take the time to carefully review any contracts or agreements before signing, and don't hesitate to ask questions or seek clarification on any terms you don't understand.
  • Guard Your Personal Information: Be cautious about sharing sensitive personal information online and only provide it to trusted and reputable sources.
  • Know Your Rights: Familiarize yourself with your rights under consumer protection laws and regulations, and don't hesitate to assert them if you feel your rights are being violated.

Our Commitment to Integrity

At American Health & Life, we are committed to upholding the highest standards of integrity and transparency in our dealings with customers. We never engage in deceptive practices or sell your personal information to third parties. Our goal is to build trust and long-term relationships with our clients based on honesty and fairness.

  • Information never sold

  • We only collect needed information

  • All information is secure

  • Opt out at any time

  • Always available for any questions or concerns

  • We provide resources to Government sites and information