Credit Protection Insurance:

Credit Protection Insurance is a scam that is solicited over the phone when you renew or activate a credit card…Cancel it if you have it…You may not know you have it- if you don’t have a balance on your credit card it doesn’t show up on your statement…When you cancel, ask for a refund for all monies you have spent on this thing…If you want to participate in a class action lawsuit against Assurant Solutions in Canada, they are the ones providing this con…

Bundling: The written portion of this insurance may arrive bundled in the mail with your new credit card…You may not see it because it looks like advertising…This is on purpose…When you speak to the rep over the phone about activating your new or renewed credit card the call gets bundled with a tough sell sales pitch for balance protection insurance…You may not be paying attention to what you say yes to because you were only calling to activate your credit card…This is also on purpose…

Voluntary Agreement: TD Canada Trust signed a voluntary agreement concerning unsolicited services, with the CBA, the Canadian Bank Association…This means that they will NOT do that negative fulfillment thing where if you Don’t cancel something, you get signed up…This is called negative fulfillment marketing…It is wrong & everybody knows it so a bunch of banks signed papers to say they wouldn’t do it…It means that if you don’t get or see the stuff in writing that is bundled with your new credit card, that you ARE signed up for balance protection insurance, (if you don’t call & cancel/you have to CALL & CANCEL within 30 days or you are stuck)…As compared to getting something in the mail that you have to SIGN & return back to confirm your agreement to something…THAT is the correct procedure…Problem is, is that TD Canada Trust TD Visa insurance policies are all actually underwritten by Assurant Solutions…Assurant Solutions handles this for RBC Royal bank of Canada as well…Assurant Solutions handles this in Canada for practically everybody actually…& Assurant Solutions Did NOT sign any agreement not to use scabrous marketing methods…

background check: So…TD Canada Trust says their balance protection insurance on credit cards is underwritten by American Bankers Life Assurance Company of Florida(ABLAC)…A simple check tells us that Assurant Solutions is the same company, but they changed the name so they could operate in Canada under disguise…(sounds bad to have the word American on a Canadian insurance product doesn’t it?)…Here are the Assurant Solutions(ABLAC), offices in Canada: (You should know that one person who questioned his RBC credit card insurance protection plan was referred directly to Assurant Solutions, & got a direct reply in letter form (snail mail) about when & how he signed up…The reply will be matter of fact & rude- they say you agreed over the phone & they sent you a certificate of insurance in writing…Class Action lawsuits about this are all over the States, & the only reason they get away with it still in Canada is because of the name change to Assurant Solutions- which is not on the TD website…But Assurant Solutions is the direct party involved with all of these insurance scams in Canada, & who will be named in a class action lawsuit, if it comes to that…)This credit protection insurance has been declared illegal in the country of England btw… Feel free to write, call or email the people below with your complaint, or name them in small claims court, or help to create a class action lawsuit…If you have been wronged, feel free to add your story to the comments section of this blog post…The more the merrier…

Assurant Solutions Canada
Toronto Office
5160 Yonge Street, Suite 500
North York, Ontario, Canada M2N 7C7
Toll-Free: 800.561.3232
Tel: 416.733.3360
FAX: 416.733.7826
Kingston Office
1287 Gardiners Road
Kingston, Ontario K7P 3J6
Toll-Free: 800.550.2827
E-Mail: shari.doherty@assurant.com

About GroveCanada

Artist Statement: I like to push...Push the fold...Innovate...Figure out how to do something then figure out how to do it even better...I get bored once I accomplish something...I can’t seem to make multiples...Once it is done, it is done ; I am not going to make another one...This can hurt profitability...But I feel the paradigm of repetitive production is obsolete...I see a future where pure intellectual innovation will be rewarded without the need to commercialize it somehow...I wonder about the Star Trek idea of a new culture where money is not the driving force...I live that future already... Bio: Sari is an optimist by nature, someone who always sees the sunny side of things, even if there is no sunny side really...She grew up with two wonderful parents & a great brother...Later she married the very best guy in the world, another artist named Joseph Grove...She likes art because it is for her a happy place to be...A place where joy can reside...So she decided to make art herself because that was the nicest thing she thought she could do for people’s lives...I’d tell you more about angst or strife or misery or struggling, but really, that was not the case...But perhaps, because I am Sari ; I am writing this, my perception is warped by my extreme positivity...But, to tell you the truth, life has been good... p.s.You can read more about my credentials on my main website at http://www.grovecanada.ca ...But I have left a few things out, credential-wise... My feeling is:"By their fruits, ye shall know them" which is from the New Testament, Book of Mathew(7, 16-20)... So read my books ; see if the fruit tastes good to you...I feel those are better credentials than telling you something on a resume... p.p.s. I am a Christian...Whatever that word means to you...
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