[jjoonathan]

Have you ever filed a claim that would would send the expected value of your account negative? Since that's a tricky calculation, here's an alternative: have you ever made a claim that (even momentarily) sent the value of your account negative?

Insurance companies are always polite, efficient, and tolerant when they're taking your money (including making small payouts). Why wouldn't they be? But that's not where they add value to the equation. If it was, everyone would just self-insure. They add value when they have to pay out a lot of money for an unlikely adverse event. By definition, only a small fraction of customers ever get to judge this part of their insurance company, even though doing so is really the only way to judge the quality of the product they were paying for.

[001sky]

They should force sales and claims to be the same person. Problem solved. Right now, its good cop/ bad cop. Insurance only works in this framework if you have a lawyer to advocate for you...otherwises its endless dark-pattern fighting. Its truly atrocious.