Insurance Company Dodging my Attempts to Port my Group Term Life Policy without Converting to Whole Life
I left a job at the end of February where I had term life insurance with Prudential. I was told both by Prudential and my prior employer that I could port the policy and keep the current amount, with just possible premium differences based on a health questionnaire.
After calling when leaving my job to find out when I should expect the paperwork to port it, and then calling repeated throughout March and April when I didn't receive it, the one form I was sent a couple of weeks ago said it was for "converting my group policy into an individual one", but after talking to a representative, they confirmed that even though the form didn't say "whole" or "permanent" life anywhere, it was for converting my group term policy into an individual whole life policy. I asked for the paperwork to be sent again, and I just received a bundle of paperwork that says "convert group term to individual" in most places, but looking through is really talking about whole life only.
I was directly told by Prudential reps that I could choose to port as term life only and given quotes for that (even if they heavily pushed converting to whole life on each call), but at this point I am getting nearly 3 months out from leaving my job, and I don't want to miss my window of opportunity to port this
Does anyone have any experience dealing with situations like this with porting term life insurance or have any recommendations both on how I can actually get the correct paperwork to port to individual term life and on how I can prevent myself from losing my opportunity to port the policy given all the delays on Prudential's side? I must have called them at least every other week for the past three months at this point and am hitting a wall each time it feels