i can only agree with the rest. insurance is not the place for friendship. your agent is worthless and you should switch ASAP. you can call the insurance company and request that the policy be removed from the agents portfolio because she cannot inform you about the policy. then ask them either to assign a knowledgeable agent to the policy to explain and consult you or ask them to explain everything to you directly and then get the account handled directly. that way you should be able to also get them to discount the premium by the agent comission. nice side-effect but only do this if you are truely comfy with handling the policy. from what you said, you might not be (no offence). then please get a decent agent.

i think he means he would never put money on the table because of friendship / relations. that is very smart because such things usually only cloud your judgement.