[TheCoelacanth]

No, if you conspire with your friend to get them to tell you an incorrect policy, then you have no reasonable expectation that what they tell you is the real policy. If you are promised a billion dollars even without a pre-existing relationship with the agent, you have no reasonable expectation that what they are promising is the real policy because it's an unbelievably large amount.

If you are promised something reasonable by an agent of the company who you are not conspiring with, then the company is bound to follow through on the promise because you do have a reasonable expectation that what they are telling you is the real policy.