Colonial Life Term Insurance, failure to inform, misinformation. https://services.coloniallife.com/Services/Applica, California

Im disabled for a few years. I have a term life with Colonial. I havent been smoking for 9 years, about two months after I signed the forms when I was still working. I called lately to ask about it and to have myself re-rated. The thing is that since Im disabled they wont reissue the policy under the lower rate, nor will they return monies that I overpaid for 8 years or so while under the smoking rating. It was never mentioned to me by the agent and never does it state anywhere that if I quit, to call them and I would get a lower rating.  To me this smacks of dont ask dont tell.  Maybe I should have inquired but Im too busy working  to give it much thought. They could have sent a memo every couple of years saying something like "Stopped Smoking" Call and we will redo your policy for lower rates.   This should have been a courtesy that they never mentioned

They wont even refund monies for the time that I was working and not smoking. This is where the pull the snooze you loose excuse. If I was due for lower rate during the time I was working then it shouldn't matter that I bring it up now and they use my disability to hold me hostage to current rates or cancel. I wont do business and pay them money to the point where I will have funded about 25 percent of my policy and I could use the money to pay off more of my bills. Screw Em.