Can a Consumer Be Rejected Due to Language Barrier?

[VolAgent]

Pangaea and Wino nailed it. They are afraid that the contract will not be enforceable as legally your mother isn't allowed to consent to a contract she can't read and thus can't be expected to understand. Also, Haitian Creole is probably rare enough that it financially doesn't make sense to translate the documents and have a translator available for any possible personal history interviews.

If you don't want to look for a local agent who can help you, perhaps you should see about the cost of hiring a third party translator that would be acceptable to the insurance company. My guess is that it will be prohibitively expense when compared to the amount of premium, the same problem the insurance company faced.

 

[Mark]

I'm thinking about learning Spanish, to help reach out to more prospects.

 

[superfly33]

I was shocked and asked if he could send his company's clause to me in writing, which stated that they could not help me due to my mom's language barrier.

Ever went into a business and you see the sign "we reserve the right to refuse service to anyone." Really, they don't have to send you anything and they also don't need such a clause to even exist. That would answer your question unless you feel the company is discriminatory towards your mother.

Insurance companies do what is likely to profit them, and if they can forsee the liklihood of loosing money in this transaction, then they can choose to forgo it.

Lastly, you being a translator for your mom will not hold upon the courts and that's why a professional translator is required.

 

[VolAgent]

I'm thinking about learning Spanish, to help reach out to more prospects.

Given up on English already?

 

[Mark]

Given up on English already?

Speaking Southern is not easy.

I reckon yall think it is easy, but it aint so.

 

[Marpol]

The biggest issue is not just having to get a translator. A lot of carriers require that the translator is licensed.

Best advice is to go to your community and see if there are any local agents (hopefully that also speak the language). More then likely they will be able to offer the same companies and quotes.

 

[Insurance-Guy]

We just lost a sale for this exact reason. The insured spoke little English and the company wouldn't allow someone to translate for her.

 

[WinoBlues]

We just lost a sale for this exact reason. The insured spoke little English and the company wouldn't allow someone to translate for her.

Find a different company.

 

[360]

Hello Everyone,

I recently applied for my mom to get a quote from Select Quote online, and received a call from their agent. I told the agent that I applying for my mom; however, she does not speak English. After asking which language that my mom spoke, I was quickly told by the agent that his company would not be able to even write the app., for they don't have anyone to translate. I was shocked and asked if he could send his company's clause to me in writing, which stated that they could not help me due to my mom's language barrier. That's when he informed me that his super would call me tomorrow. I live in the state of FL., and I am 100% sure that he's wrong. I would like to know from the experts here if there is anything I can do from here on. I would really appreciate your inputs. Sorry being too long.

Try Mutual of Omaha. I believe they have a supplemental form that gets filled out which lists the name of the disinterested third party that acted as translator.

 

[Pangaea]

Try Mutual of Omaha. I believe they have a supplemental form that gets filled out which lists the name of the disinterested third party that acted as translator.

Would a daughter and most likely beneficiary be a disinterested third party?