A financial adviser wrote to me to complain that my postings on rejection of private Shield claims are negative and one sided, and that it did not contain details of the reasons for the rejection.

I am not able to post the details as the claimant usually does not wish to be identified. In some cases, the claims are still under appeal, and they do not wish to damage their chances. They do not wish their friends or family  to know of their difficulty.

On the contrary, I know of many instances where the insurance agents tell one side stories, exaggerations and half truths to get consumers to buy life insurance or private Shield insurance that are a waste of money. These are told verbally to the consumers, without any written record. The agents are more likely to be the people who are responsible for one-sided stories.

Here are the …