Business ProfileforKnights of Columbus Insurance

In late November/ early December 2023, I contacted the local Knights of Columbus Insurance agent in ***** ****** An administrative error caused the initial application process to have to be redone. Contract for $500,000 life insurance was signed 29 February 2024, after being rejected for Tiers 1 and 2; Tier 3 for which I was accepted is 30% higher than Tier 1. Requests for explanations of denials and statistics regarding admission into Tiers 1 and 2 were not provided until 30 July 2024 and 22 July respectively. The first three months hd to be paid upfront, a check for $4,335 was written to cover March, April, and May with the next payment due 4 June. I was billed in April and compensated with a free month of June and deferred payments thereafter until the following month. So my next payment was for July with payment on 4 August (much like an electric bill being paid the following month). I was double billed in August, during the next 8 weeks, no compensation was provided even though I was demanding it. In September, the same debacle occurred -- double billed again. August's double billing had caused my checking account to go into arrears and an $8,500 check was flagged; KC Insurance requested proof and I obtained that through **** ******* ******* ****. To preclude a similar event in September, I had kept additional funds in the checking account to preclude an overdraft should it occur. Fortunately, I avoided overdrafts in September. Knights of Columbus Compliance Department investigated and responded on 4 October with such a befuddled answer that I once again had to explain events to them. Attempts to yield compensation, and to make the compensation "sting" the Knights of Columbus into getting their billing process straight lead me to request 4 free months premium. Continued incompetence in September lead me to request an additional 8 months of free premium. Payments of $1,445/month continue until death or 33 years.