I can't believe the number of people this year who call me, an insurance csr who is low on the totum pole, thinking that because it's Christmas we will give them free insurance. I even had an agent ask if he could make a payment through his personal checking account to get a policy re-activated, but "If they don't pay me back, will you reverse the charges?"
I was telling this to my DH, who was no help at all. He has the attitude that because it's insurance, they should give you months to pay, just like credit card companies do.
I say "Ok, once credit is approved in your name, you can't cancel it at anytime like you do with insurance. I know we're the 'big bad insurance company' but if we gave people months to pay, what's the incentive to pay at all? Why not just cancel it and go to someone else and continue not to pay?"
I guess I don't understand people who don't see that insurance is a business, not a charity. That may sound mean but if we paid everyone's bill who was down on his luck, just got out of the hospital, lost their job, kids won't have Christmas otherwise, *we* would be out of business too!