I asked for the carrier’s name, policy number, and certificate holder details. They sent a generic “coverage letter” with no policy identifiers. I called the supposed broker listed—number invalid. Then came the script: “Escrow protects you from market slippage during processing.” Slippage is a market event, not a withdrawal hazard; custodians don’t charge retail clients to move accounted balances. When cornered, they pivoted to fear: “Non-payment triggers compliance review.” Translation: more stalling. The multi-step maze is deliberate—create exhaustion, harvest another payment, repeat. There’s no service model here, only a collection model.
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