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How Occidental Life Insurance Took Advantage Of Educators In Puerto Rico

Updated on June 6, 2013
Froggy213 profile image

A Gringo who moved to Puerto Rico, Greg loves writing about the island he now resides on. He and Maria also wrote several bilingual books...


I am a bit angry today. I have found that my beautiful wife had been deceived. The deception was committed by a salesman of the Occidental Life Insurance Company of North Carolina. It says on this letter here that their P.O. Box is in Waco, Texas. That in itself is deceptive: North Carolina--Waco, Texas???

Maggie is (I'm prejudicial) the best teacher on this island of Puerto Rico. She teaches special education and the children love her. They want to be in her class and skip science and math. That is why we are so great together. You know, this Frog needs some special education.

So how did she get deceived? Let me tell you.

Department of Education and the Principal

It was a busy day. Someone at the front gate and the principal of the school allowed a salesman to come in. He went classroom to classroom like a door-to-door salesman. The Puerto Rico Department of Education actually allows this.

Maggie really didn't have the time but he was pushy and started his spill. "This is a supplement to your retirement," he lied. Just $50 a month and any time you want out we will send all your money back. The forms were all hard to read and Maggie was taken by the fact that she did need more to cover her retirement, besides, she could get all her money back if she didn't want it.

Maggie cancelled that policy back in March. No money has come back from the $150 paid in and she received a lapsed policy letter yesterday. It is just life insurance and the salesman was a liar. Maggie called the company and no money will come back.

Occidental Life Insurance Company of North Carolina

P.O. Box 2595 Waco, Texas 76702-2595 1-800-736-7311

Stole from my wife the total of $150. They used a salesman to lie and cheat a hard-working educator out of hard-earned money.

The first at fault is the Puerto Rico Department of Education. First, any company of this kind should have been approved through very tough guidelines. The meeting should have been made with multiple teachers and staff so questions could be asked and answered.

The second at fault is both the security guard and the school principal. No one should be able to go classroom to classroom with a sales call. What if this guy was a freak? I have noticed that people are allowed on school grounds very easily here. What if a child gets kidnapped or a teacher killed? Take some lessons from say: Littleton High School in Denver, Colorado where there was a mass shooting some years back. No one gets in there without high security.

Yes, Maggie should have read all the paperwork, but.... We want to trust the words that come out of a person's mouth. The salesman intentionally lied and deceived. This was no retirement supplement, it was to give money to someone when she died. He caught a woman busy with the work she is supposed to do and took advantage. He told her they would send her paperwork which she has never seen. He told her they would visit often to explain in further ways; no one has been there since.

Todays Phone Call

Maggie called this place today and was told in not so many words-too bad, so sad...

They said she could complain all she wants and write whatever, but it will all be to no avail.

Well let us see about that:

This hub is to ask all people to tell Occidental Life what you think about their ways.

They can be emailed at

I am also linking their website below. If you have the time and will; please tell these thieves what you think about robbing the people that are educating the children that will be looking after us when we are old and feeble.

By the way, isn't $50 a month for life insurance quite high?

Dave Ramsey

I recommend asking this Christian man, Dave Ramsey, about financial questions.

Here he talks about life insurance.

Good advice Dave.

© G.L. Boudonck


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    • profile image

      Rhonda 5 years ago

      the cost depends on how much the policy is for. They should send her money back.

    • Froggy213 profile image

      Greg Boudonck 5 years ago from Will soon return to an Isla Del Sol - Puerto Rico Will Rise Strong

      Absolutely honey, I love you and will always stand by your side!

    • Lastheart profile image

      Maria Magdalena Ruiz O'Farrill 5 years ago from Borikén the great land of the valiant and noble Lord

      It was suppose to be a "retirement supplement" and that my money was mine. Actually for those two terms was my first decision then I decided to stop the robbery when another insurance propagandist explained that I was lied.

      I hope this hub ends up as your "Delta Does Care".

      Thanks Froggy213 for standing by side.