Those policies are tricky. I know. I wrote a column about them. And I bought one — against my common sense!
They are expensive. A regular life insurance policy has more value for the money spent – -but these are for you, not your beneficiary (as is the case with traditional life insurance).
And once you have the policy, it’s tricky. Letting it go makes me superstitious!! So I keep paying the fairly small annual premium.
In your situation, do you have a copy of the signed rider? Any correspondence from the agent? Sure, ask the company about this. And let them know you have contacted the media! Please let me know what happens.