TD Insurance Life Insurance Reviews

TD Life Insurance company is the sketchiest thing ever. They stopped billing me for my 20-year policy, didn’t tell me why as my CC was still valid, and didn’t notify me. They claim they won’t email the customer about missed payments due to security, and they don’t have an online portal to manage life insurance. I updated my address online when I moved using my TD insurance portal, but it only applied to auto and home, not life insurance, so naturally any snail mail they are legally required to send about a missed payment gets sent to my old address. And they said they can’t provide any online way to manage your life insurance for security reasons, even though anyone can manage their banking, mortgage, home, and auto insurance online with TD. Basically they’ve designed the system to maximize the odds you will lapse on your payment and have your policy cancelled so that they can sign you up for a new policy now that you’re older, which will cost a ton more. In other words policy is most profitable to them early on in the term, and become less profitable as the term progresses and you age. There should be a class action lawsuit to address this.