As others have said, I'd be shopping for a new insurance agent.
If there's one thing I've learned over the years, and it seems to be getting worse nowadays, there is an apparently never-ending supply of people who haven't got a clue as to what they're doing. And they just make things up as they go, knowing that most people will believe what they say assuming they are some sort of "authority figure".
If it doesn't seem right, question it. If they won't make it right, move on...
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Today's Featured Article - Haying Before Tractors - by Owen Clark. Hi guys! At age 8 (1927, am now 79) I was learning how to drive a stacker team on the old homemade A-frame wooden stacker, on three of my uncles` dairy farms in Star Valley Wyoming (south of Jackson Hole, on the Wyoming-Idaho border). There was one steam tractor in the Valley, owned by an entrepeneur who used it to run his grain threshing machine, that he hauled from farm to farm for the fall harvest. We used teams of horses not only on the stacker, but on the buckrake to buck the dried
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