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Message: <blockquote data-quote="cichlid-dave" data-source="post: 1917506" data-attributes="member: 3910"><p>Well after reading all of this as I know all polices are different.  Each agent may or may not know much or any about their own programs.  The best thing to do is sit down and take your time and read your policy.  If your agent does not give you an answer you may understand keep asking them for an easier way to explain it.  If you don't get answers that make sense or no answers at all you might to look for anothe agent.  Remember you are paying that agent to help you get what is best for you not what is best for him $$$$$.</p></blockquote><p></p>