jenn basaraba

Review of Efinancial

I have my auto and home insurance through Progress...

I have my auto and home insurance through Progressive, so I used their links on the site to get quotes for LIfe Insurance. It connected me to eFinancial. Initially the process was ok.. I got a call soon after I submitted the request for info from a rep. He called me twice in a row while I was working so I answered. I tried to explain that I was at work and he insisted the quote would only take a couple minutes. I agreed, so he connected me to an actual licensed rep to do the quote. The Rep Jonathan (based out of Chicago) was friendly and informative. However, this '5 min quote' actually took 45 minutes. I was pretty frustrated but had already committed so I wanted to complete. I submitted a quote and he came back with some initially figures from Fidelity. I agreed and said lets submit the app. He sent me the docs electronically to sign then said their UWs would have a decision within a couple hours. I received a call from a Fidelity UW with some questions that same day. Then waited for Jonathan to call me back with an approval. 1 week later I still had not heard anything. I had to call back, got Jonathan. He advised my app was a approved, but was $12 higher a month then we initially thought, because I had experienced a 35 pound weight loss last year due to healthy eating and exercising. I didn't want to pay more, so we lowered my Policy limit slightly to get a more comfortable payment amount. He sent me an addendum to sign electronically, which I did that only referenced my height, weight and weight loss. I assumed everything was fine, then 4 days later the first charge went through and it was for the full higher monthly payment that I had NOT agreed too. I called and spoke with a supervisor at eFinancial. He worked with Fidelity to get the payment adjusted and a couple days later I had a credit come through. I received my policy from Fidelity - very nicely put together. I am good. Fast forward 1 month and I realize my payment for the end of July never drafted. I called eFinancial again today, received pretty poor customer service (etiquette wise) from someone that said Jonathan in Chicago was not in and I should just call Fidelity Customer Service for more info. I called them, they said that eFinancial was supposed to send me another addendum to sign (which they never did) and that my whole policy was on hold. She ended up taking care of everything for me and I should be ok moving forward. However I would say that my experience with eFinancial was not good. They have pretty poor customer service expectations and honestly I felt that I was only a notch on their quota for the day of a referral, quote and closed sale. After that they were less then helpful in assisting me. I highly recommend Fidelity as I got a great policy, for a great price and no medical exam (not everyone will get a approval for that) however I would not do business with eFinancial again.