Folks, Aviva has had "A" Ratings by all the rating agencies for the last 79 consecutive years! If they were such a bad company then how could this be.
Do you think for one second that just maybe the reason you got screwed was because the agent set up your plan/policy wrong?!?!
As an agent in the business for a long time, it is REAL EASY for the agent to screw the client and the client to never know. At least never know until 25 years down the road or until they cancel the policy. This is not the fault of the insurance company, they receive signatures on all documents prior to issuing the policy. The problem is the client has NO idea the details of the policy.
If you got screwed it because of the agent! Not the company.