From my experience in insurance line, when customers are unable to serve their premium, they will stop taking my calls. I normally will make a few more attempts in several weeks.
When customers are unable to pay their premium, bear in mind that you are not owing the agents any money. Talk to your "responsible" agents. Revise the importance of this policy which you took up before. Find out what is the consequences if you stop paying. You may want to stop for a while because you are out of job or because you have other commitments. Perhaps you can change your annual premium to monthly premium, or use your cash value to pay for the next few months, or opt for premium holiday if it is an investment-linked.
Do not just push the policy aside. If it is a medical insurance, you may face a bigger financial problem if you fall sick when the policy lapsed. After all, you have paid premiums, check how you can delay the premium, whether you want to convert to paid-up policy or extended term insurance.
If you think your agent is not giving you good advise, look for academic qualified financial adviser. Seek advise. There must be a strong reason why you took up the policy.
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