Upon doing so, I was told that a copy of each would be sent via mail and email. Much better than the service from Farm Bureau Insurance - Lapland's Battle Creek office as they were rude, made errors, overcharged and did not focus on customer service. AAA sucks. Never called me back after 15 years of being a paying customer. To me, the $48 for the year was worth it for that one trip. However, the only comparison that an AAA Trip Insurance customer gets is of Allianz products. I've been trying to get the refunded money back since the June. I also like the discounts and quality service when you go with AAA approved auto service shops. They account for 123,706 deaths as of 2010. Everyone knows, that bad driving records = high premiums and I’m sure that’s why your friend wasn’t so willing to disclose that info. https://dyernews.com/is-aaa-worth-it/ Have you heard of AAA but aren't sure what they offer or if a membership is worth it? If you’re injured in an accident, lost income and unexpected medical bills can create financial hardship. Those guys will donate 1% of their revenues to environmental clean up, clean air, etc. After a year of being told, “checks in the mail” for my fathers claim, AAA life insurance said deal with your state it’s not our problem anymore. Was a term life insurance policy holder for 15 years. This can include the costs of rehab or transportation and lodging. It can help cover the costs of recovery or loss of life from a covered accident. If you’ve been reading for a while, you’ll know that I need new glasses badly lol. Please be aware of their tactics, poor customer service and lying licensed agents. It’s always nice to hear success stories 🙂. You should also check your credit card. Member Loyalty ® Accident Insurance Policy Form Series AAA-MLT-01, AAA-MLT-02, AAA-MLT-GP05, AAA-MLT-06UT (In OR: AAA-MLT-01). In a few months I will need to make my final decision on whether $48/year is worth having it in case we need it.  So far I am thinking it is. Don’t forget that when you NEED a tow, companies regularly charge north of $3 per mile! Please beware of AAA. Now he tells me I have to take the stop off of my account in order to get a refund. Who knows? A WOMAN WHO IS ON HER PERIOD EVERY DAY OF HER LIFE. When Mr. ** would not cooperate with my written cancellation request, I then contacted my bank-- and the bank was also not able to get my moneies back because I had already signed the EFT before canceling my contract. Unsubscribe easily. AAA offers multiple accident insurance policies, such as its Classic Car Accident Insurance Plan and Member Loyalty Accident Insurance, which are quite similar to each other in coverage. If I didn’t have that service I would have had to wait until Dec 26. Someone else came to the phone and after berating me and claiming it was my fault, she hung the phone up in my face. AAA Accident Insurance. Thank you, you have successfully subscribed to our newsletter! They claim he should have told them. I was a member of AAA for about 15 years. American Express charge cards do as well, and their yearly fee might be cheaper than what AAA charges. Stepping it up to AAA Plus, you get everything in basic membership along with … We value your privacy. Accident protection that can help you get back on your feet. AAA auto insurance comes from separate, regional insurance companies that operate under similar names and logos. NEVER, EVER BUY INSURANCE FROM AAA. AFTER THEY ISSUE HIS POLICY they come back and raise his rates by 5 TIMES. They also have a good auto buying discount program if you are buying a new car. The card can be used as a bond card too if you were to receive a speeding ticket and don’t want to give up your license. I read about you in Scott Burns’ column–congratulations on paying off $8K of your debt. Our dad passed away on July 13, 2020. If you have questions you would like answered before we reach out, please contact us at (800) 684-4222 or complaint@aaalife.com. Accident insurance is relatively inexpensive, but it also offers relatively small benefits. I'm currently on the phone with the same rep that I spoke to on July 9th (today is July 20th) and he's not giving me much as far as help. Try as she might, each time I tried to access the secured document, I received an error message. the topic was entitled “AAA INSURANCE” (not AAA membership). Your AAA membership guarantees your acceptance in this plan. I have all correspondence as proof. They claimed that they couldn't reach us since we moved. The car didn’t start. Accident Insurance Rewards Plans help pay for everyday costs that may otherwise go uncovered. How do I know I can trust these reviews about AAA Life Insurance? He is the publisher of WealthPilgrim.com, an information resource for consumers. You can still purchase insurance from AAA if you’re not a member, but you’ll miss out on the best savings, which is one of the most attractive things about AAA auto insurance. f. If the electronic transaction involves the submission of a claim, you understand and agree that your claim for benefits will not be valid if you are not eligible for benefits in accordance with the terms of the policy. My job requires me to drive all day and I have to use my car. He was 3 at the time, and the last thing I wanted to do is have to keep him calm and entertained in the event of a flat tire on a busy highway. I bought it last year before my son and I took a 1,000+ mile trip by ourselves. They are either cheaper or the same cost as AAA. 5. AAA's insurance options will depend on your area's auto club and its insurance group partner. When I realized that he sold me something that a woman my age didn't really need, I had submitted a written request to cancel the transaction. Take a look at coverage, costs, and AAA insurance reviews to see whether it's worth it. AAA started selling life insurance in 1967. It is so worth it–dh and I have been totally debt-free since 2002, and it feels every bit as good as you would think. Read our AAA car insurance review to learn more about coverage, discounts, and customer experiences. Accidental death may not seem very likely, but it happens more often than you may think to people in certain age groups, jobs and lifestyles. When I first applied for insurance, the outside company that AAA had referred me to, never came out to finish processing my examine and because of that I canceled the contract. While I’m happy with my AAA membership, I’m considering dropping it after this year just to save money. Accident insurance is a relatively cheap insurance policy. I probably skimmed right over that because we do not have one near to where I live. He paid three months in advance too. If you only qualify for auto insurance with one of AAA’s smaller clubs, however, it might only be worth considering if you’re already a AAA member. Any monies you receive because of a claim for either accident or sickness can be used to pay rent or mortgage, utilities or other monthly payments as well. Exclusive Promo Codes & Coupons from Coupons Plus Deals – Coupons Plus Deals is a leading and trusted online website dedicated to sharing and reviewing across a wide range of products and retailers. I’m posting this review on every website that I can to let everyone to stay away from AAA Life Insurance. It is a lie. This means that you can wait until you need AAA service, and get your coverage reinstated over the phone, at a discounted rate. “I found a loophole in AAA service” When I signed up, they said that I wasn’t allowed to use the towing service for three days… perhaps the policy has changed. My Dad paid on his policy and AAA will not pay. This happens to be the very same company that would not qualify me for this same exact life insurance the first time I applied for it last year. Our thanks to the companies that have graciously agreed to fund Blogging Away Debt. They never called nor written any response to me when I was told would get a call back in 48 hours. It saved me from worrying the whole drive. I hung up after a few minutes and called back. Is Accidental Death Insurance Worth it?. All Rights Reserved. Enjoy reading our tips and recommendations. A representative from AAA Life Insurance had immediately reached out to me, researched my concerns, and resolved my issue. Basic traveler’s insurance covering $100 per person or $500 for a family; Travel accident coverage up to $100,000; Bicycle service, including bike repair and towing up to five miles; AAA Plus. Some insurance experts, among them Mr. Hunt, are critical of accident insurance. This is a member-supported company. Submitted paperwork and they stated 10 days for a check to arrive, it is now 6 weeks and all they give to you when called is lies!! Plus, your benefit amounts grow automatically for each of your first 5 years of AAA membership. 15 years of paying on my policy you would think they would call me back. I called back and the manager would not speak with me, claiming to be occupied. They are dishonest. AAA offers a very limited menu of life insurance products. AAA Life also sells accident insurance and annuities. AAA does not “count” the accidents until AFTER you buy the insurance. Buyer beware you will be out money dealing with these scammers. There’s an alternative to AAA — Better World Club (www.betterworldclub.com). Don’t trust the licensed agents. We feel that hospital indemnity insurance is worth the money. I answered the questions honestly (shame on those of you who didn’t… of course they’ll find out your driving history and if you’ve had any auto and/or homeowners claims). I was on the phone with them six times between the hours of 12:24-2:13 p.m. This is not the type of service we strive to provide. Looking to save money on your energy bills? You may hit that before even getting off an interstate. The number of emergency room visits for accident … So, someone that is an eternal crab probably shouldn’t work in that type of field. I think its well worth it. All I can say is try to avoid this company if you can!! REALLY?? AAA auto insurance has special benefits for members. The email never arrived. A lot more people are usually fighting because of the economy, which includes increased the quantity of people applying for the payday advance. Your vehicle is towed to a vehicle repair shop on the company's preferred provider list, up to 100 miles away if you're a "Plus" member. Yet they are still charging my account. Find out what AAA home insurance offers, including coverage, discounts, and pricing, to see whether it’s the best fit for your insurance needs. I was placed on hold to be directed to a supervisor. I called, and paid the $35 to reinstate the account (it was halfway through a coverage year). Did the insurance policy jump or stay about the same? Its official name is AAA accident assistance. Copyright © 2020 Consumers Unified LLC. I’ll never use them and will tell everyone I meet to never use that company. The two largest AAA insurance groups are the CSAA Insurance Group, which serves AAA club members in 23 states and Washington, D.C., and the Auto Club Group, which offers insurance to members in 11 states, Puerto Rico and the U.S. Virgin Islands. Actual towing costs vary, but this … Unsubscribe easily. When you are trying to cut costs, sometimes it’s hard to justify something that you have just for peace of mind. ConsumerAffairs is not a government agency. It is a lie. Please help me if you can. You might benefit from an accident insurance policy if your health insurance has high deductibles, because accident insurance offers a one-time payout that can help you afford medical care. Multiple calls and multiples days of aggravation and I'm still not getting a refund. I just found out one can get Amtrack discounts through AAA – how ironic! Unsubscribe at any time. Guerrilla marketing for your small business. Its location on this page may change next time you visit. By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. We also make a nice discount on our frequent Super 8 and Comfort Inn visits. Of course, this policy could change at any time, but it might be worth a shot. Accident insurance helps you pay for the medical and out-of-pocket costs that you may incur after an accidental injury. Limitations: Barb – congrats on being debt-free! You have it and you may need to use it, but there is no guarantee that it will pay for itself over time. Within in this year I have had two incidents where I needed service. They screwed me up twice before. I moved to Texas, and I needed their service once, and it was horrible. It’s terrible way to conduct business for sure. Called once in 2012 and another in 2018. Accident insurance is available exclusively to AAA members. That said, I have to disagree with you, on your opinion, about raising the rates after finding out about your friend’s driving record. While reading over at Stop Buying Crap, Cap asked if AAA Insurance is Crap or Not. Doesn’t matter what they promise you over phone read every single word of your policy. Accident coverage and illness coverage is two more examples of insurance that is available to people who need it. The Travel Accident Insurance Program covers AAA Premier members** that book and purchase travel on a licensed Common Carrier and rental car through the AAA Travel Agency. Cash payments generally start from day 1 of hospitalization. AAA Life Insurance canceled our policy without informing us after we paid them for 5 years. Anyway, about AAA. For piece of mind, I would pay to renew the membership……although I am somewhat hypocritical, suggesting you renew when I no longer am a member. While he still had me on the phone, he had me go to my email that very moment, and had me sign the email he had just sent me allowing AAA Life Company to automatically remove $347.26 from my account each and every month. Once, I was stranded in the middle of nowhere with a broken fuel pump. Another time I was way out in the country and my bearings in my rear wheels were going out. This was a huge lesson for me. That passcode did not work either. She works out of the Jackson, Michigan office and her name is Mary **. AFTER THEY ISSUE HIS POLICY they come back and raise his rates by 5 TIMES. The latest incident was two years ago when they saved Christmas for me! They claimed that they couldn't reach us since we moved. We have reached out to Charles directly to attempt resolve his concerns. Re: AAA, we pay $117/year to cover dh, me and two adult children. Little late on this one, but I found a loophole in AAA service. They used a technicality to cancel a friend of mine, leaving him without insurance. In our opinion, it is a “safety net”, preventing you from experiencing potentially high out-of-pocket costs with your health care. By mastering the common and expensive mistakes of a pay day loan, men and women could stay away from them. Another strategy might be to let the coverage lapse, and only get it reinstated when you are planning a long trip, or finances get tight (meaning a tow trip or keys locked in the car could ruin a monthly budget, makes AAA worth it). He’s had several accidents but did not say anything as he shopped. Accidents are the fifth highest cause of death in the United States, according to the Centers for Disease Control and Prevention. FAQ. So I’m done with aaa. My boyfriend and I had loaded up the car to head to Vermont on Christmas Eve day. Most people might know this. We’ve used it several times for towing, and while we had to wait quite a while for the tow, we saved a bundle. See reviews below to learn more or submit your own review. We never for once received any email saying that they tried to reach us through post mail and if we could update our address. The contents of this site may not be republished, reprinted, rewritten or recirculated without written permission. If you are still experiencing difficulties obtaining this document, please email us directly at complaint@aaalife.com and provide us with your personal information so we can assist you further. AAA is relatively new to the insurance industry. Because I needed the policies immediately, I called back to ask if they could please send them via email and was told that not only had the previous employee not sent the documents but that this employee could not send it. Who do you have to call for help? An at-fault accident raises car insurance rates by over $700 per year! If you let the coverage lapse, you can get it reinstated at any time, and pay a pro-rated charge. Sure, you may need to spend a little more each month, but knowing that your health care deductibles, copays, and coinsurance are completely, or nearly covered, should give you peace of mind. I think in the 10 years I’ve had it, I’ve used the towing once and the lockout services twice. Get buying tips about Life Insurance Companies delivered to your inbox. The CBC reported this week that a family’s accident insurance policy won’t pay out $50,000 for 12-year-old Emily Laprise’s eye injury, sustained during a soccer match. She was good at returning emails, answering phone calls and questions. AAA Travel Insurance is actually provided by Allianz Travel Insurance In the AAA Trip Insurance section of its website, AAA states that Allianz Global Assistance makes it easy to compare cover plans. Peace of mind is nice to have too. MasterCard Platinum provides free roadside service. Great Investing, Simplified: Get Stock Advisor for Just $99/year! What's Accident Insurance? Great Investing, Simplified: Get Stock Advisor for Just $99/year! On the other hand, AAA membership does come with lots of discounts. AAA does not “count” the accidents until AFTER you buy the insurance. My former 15 years with them in Massachusetts was excellent, but after this one bad experience with them, I did not renew my membership. I have called four times over these 6 weeks, and each time I am told it will be a week or two more weeks. I had to put a block on my checking account so that they wouldn't charge us anymore for this other person's insurance. Two different managers told me a review would take place of my policy to convert. 6 reasons to get personal accident insurance. Find a cheaper energy supplier with Utility Saving Expert. History: While this kind of mortgage offers helped huge numbers of people from a tough financial circumstance, sad to say a number of people have finished up in worse condition than when they first started. Some kind man let me use his work cellphone, I was able to get a hold of AAA, they sent out a tow truck to tow my car to the dealership near by where I lived. For insurance, complete coverage information is found in the Certificate of Insurance. The American Automobile Association has over 51 million members and the national headquarters are in Heathrow, Florida. It has been six weeks and AAA Life has all documents they need. I used to be carry credit card debt, too, and I felt such relief and freedom when I paid it off! The supervisor sent the first document as a pdf and the other secured. Not getting a fourth chance. I kept requesting additional codes via the site until finally one worked and I was able to download the document. At $48 a year, that’s less than $1 a week. AAA insurance should not be confused with being just an AAA member. They transfer you to via phone and their mgmt team speaks to you like you’re stupid. Companies pay us to be accredited or when you click a link, call a number or fill a form on our site. Coverage includes accidental loss of life, limbs, sight, speech or hearing. Hang in there! Common Carrier means any land, water or air conveyance operated by They promised to review my policy with their mgmt team with a callback. Once you buy AAA service, you’re technically always a member. This last incident happens during this crisis. It can be difficult to find the AAA’s insurance ratings. I got a AAA card when I started driving to college, which was 750 miles away from home. Member supported: Many auto insurance policies already cover rentals, so there's no need to pay for this twice. SAD! They’re happy to take your money for payment, but no follow through to keep customers. Exclusive Promo Codes & Coupons from Coupons Plus Deals, cheaper energy supplier with Utility Saving Expert, U of Tennessee Debt Repayment Plan Basics. Accident insurance is most commonly part of an employer’s benefits package, but is also available in the individual insurance market. I hope to get this resolved soon. This letter was received and dated April 20, 2020, long after my bank already tried to get my money back and failed. Again, not talking about towing… that’s a perk of being an AAA member. A link has directed you to this review. As a result, members might save money on life insurance needs. Two words in my booklet of 12 pages typed out and mailed to me 15 years ago even though their licensed agents told me different has prevented me from converting my policy. He said he figured they would run his driving history and tell him what the rate would be. Had your friend been honest about his/her driving record, they would have gotten a more accurate quote of the premium. That was about 15 years ago. My opinion is that the agent I dealt with was very professional. We are sorry you had a bad experience. The emergency road service offered to members is one of the better known perks of AAA auto insurance. Just want to make it clear to anyone not familiar with AAA… that if you buy an AAA membership, you can use it for towing, discounts, maps, trip planning, etc, money markets, cds, other things). I wanted the peace of mind that we could wait in our car until someone arrived.  The trip was also the reason we caved in and finally purchased a cellphone. Product variety: I agree with Kevin, the maps, guidebooks and discounts are great. With the AAA accident policy, an annual benefit of $1,500 can be paid for ER and urgent care that is received for a travel-related accident, and up to $375 per year can be paid for a non-travel related event. Accsmarket.com. They won’t convert my term policy after I was told by two licensed agents over the years I could convert until end of term policy. Compare the top insurance companies to see which accident forgiveness programs you qualify for — for free. They did, however, send an application for life insurance and then another piece a mail at 5 weeks asking for Death Certification and Claimant Statement WHICH was given on Day 1. As well as the piece of mind. For complete terms of the insurance coverage, please refer to the Certificate of Insurance or the Group Master Policy. My phone wasn’t getting any service. Car Rental Damage Insurance . This is maddening at a time we are in. Scammed in Texas. Here's the thing --the slick salesman that he is, Mr. **, had already started debiting my checking account the very next morning from speaking to him on the phone - (I spoke to him on a Friday evening and when I woke up early Saturday morning the money was already debited from my account --that's just how fast he moved. Be aware of them goal. This is a summary of insurance provisions and does not contain all of the benefits and exclusions. This company is not yet accredited. I used my cellphone, (it pays to have a cellphone too), I called AAA. Insurance policy holders can call the national toll-free number (866) AAA-BEST (866-222-2378), to receive roadside assistance and a tow. AAA also has a bigger discount on glasses from Lens Crafters then some insurances and Lens Crafters own discounts. Accident insurance is relatively inexpensive, but it also offers relatively small benefits. I called back and spoke with another gentleman who tried but was still unable to assist me. We notified AAA Life on July 14, 2020. Ratings: I also read about your blog in the Burns column. He said he figured they would run his driving history and tell him what the rate would be. My agent could it quoted wrong payment due date yet he informed aaa of his mistake and requested exemption of case of interruption of my policy yet the management wants to apologize yet have me reinstate which means I’ll have no policy 30-60 days depending a new physical. Others might not. I can’t argue that customer service should always be top priority to ALL customers. AAA Life has opened an investigation into this matter and will be reaching out to you directly, within the next few business days. read through this post. I think they want to increase my rate since I’m older or trying to cancel policies due to crisis. All the car repair places in my town were closed, of course. Some reasons to consider personal accident insurance include: You want coverage for items not covered by health insurance. Since then, they’ve helped me out several times. Its accident coverage policy is available only to AAA members, and your benefit level is dependent on how long you’ve been a member. NEVER, EVER BUY INSURANCE FROM AAA. They are the experts, after all. This includes emergency treatment, hospital stays, and medical exams, and other expenses you may face, such as transportation and lodging needs. It was nothing but incompetence and aggravation right from the start. I really have not used my membership for anything since I received it. I personally like the AAA service, even though I rarely use the towing. This was the most awful experience I've ever had with customer service. But, there is a possibility of stopping by one when we visit our parents next. Students – stop your struggle and visit Thesishelpers.com to get thesis help. In the past I’ve gotten towing & roadside assistance through my car insurance for maybe $6- $12 per year, which is a savings over AAA. And what so you can charge me again? We've reached out to the client directly to investigate her concerns. They would listen to my phone calls recorded with the licensed agents over the years and the management team would call me back. Is there anyone out there who is HONEST and who has had the AAA INSURANCE for a long time and if so, are you happy with the INSURANCE coverage for your car and/or home? One incident I had gotten a flat tire while driving on the highway as it was getting dark. ESPECIALLY AN UNDERWRITER BY THE NAME OF JAMIE. If you’re looking for an affordable alternative to life insurance, accident insurance may be a good fit for you. That’s the thing with insurance. Congratulations on your efforts! Since he had not had the policy for two years, we were not entitled to a death benefit but were told we would receive a return of paid premiums. THEY WILL SCREW YOU. We’ll start sending you the news you need delivered straight to you. I like the travel services they provide, the many discounts, and the free guidebooks and maps. AAA Premier ® Travel Accident Insurance Benefit This Plan Covers up to $300,000 when Insured’s children, c) the Insured’s parents, d) the travel arrangements are made through your Insured’s brothers and sisters, e) the Insured’s estate. E.g. After reading these reviews, my dad obviously did not read them before he purchased this policy. Again the topic was AAA INSURANCE. Accidental Loss of Life – Unfortunately, some accidents will result in the loss of life. Sign up to receive our free weekly newsletter. Long story short, in light of COVID 19, AAA Life aggressively started seeking people out and decided to contact me knowing I still might want life insurance and yes, for the first time, while he still had me on the phone, Mr. **'s fast talked & scammed me into purchasing Flexible Universal Life Insurance. DON'T USE THEM! It is very sad that a company would do this to people they trusted with something as important as life insurance. Plus I have a letter received Mr. **, who emailed me promising to give me a full refund of all my monies. Is accident insurance worth it? So even in my own driveway they helped me out of a jam. I could try to get discounts at places, but if we need lodging we tend to stay at mom and pop hotels (cheaper and more character) and where we live no restaurants or entertainment places accept the card for a discount. Check your policy before you pay. It is very important to do your own analysis before making any investment based on your own personal circumstances and consult with your own investment, financial, tax and legal advisers. They don’t care about anything except your payment. These policies usually provide fixed benefits for qualifying injuries as a supplement to a major medical policy. I’m thinking and have inquired with AAA using my AAA membership for AUTO and Homeowners Insurance quotes. If I could give them zero stars for their review, I would. All my troubles beginned when a fast-talking sales agent by the name of Zachary **, from AAA Life Insurance, Omaha, NE, called me to sell me life insurance. It’s very interesting to learn about the Lens Crafters discount. I would never refer this company to anyone, especially after we have been given the runaround for six weeks now. In a crisis honor your policy and mistake and take care of your customer not rob them of their policy. They never informed me that I couldn’t convert after 80% of policy paid or year 2016 / age of 65 whichever comes first. Once they processed the applications, they added my checking account to someone else's policy and we have been paying for him. We appreciate the opportunity to respond. They are the experts, after all. Seems to avoid honoring people policies and keep you paying higher rates by forcing you to reinstate often. Investigate HER concerns lost income and unexpected medical bills can create financial hardship Mr.... They ISSUE his policy they come back and the national headquarters are in Heathrow, Florida m thinking have... He ’ s less than $ 1 a week about his/her driving record, added! 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We 've reached out to me when I was able to download the document how. Good at returning emails, answering phone calls recorded with the licensed over... Column–Congratulations on paying off $ 8K of your policy and mistake and take care of your customer not them... The contents of this site may not be confused with being just an AAA member this … Unsubscribe easily not... A jam refer this company if you are buying a new car AAA insurance. To convert 65 whichever comes first this other person 's insurance to sign up for consumer news, tips giveaways! S always nice to hear success stories 🙂 discounts, and resolved my ISSUE offers relatively small benefits placed hold. Aggravation and I needed their service once, I was able to download document... Investing, Simplified: get Stock Advisor for just $ 99/year read about you in Scott Burns ’ on. Covered by health insurance I tried to access the secured document, received... Offers a very limited menu of Life from a covered accident else 's policy and and... I received it it and you may hit that before even getting off an interstate your health.! 1 a week, an information resource for consumers reasons to consider personal accident insurance relatively... Will result in the loss of Life of being a paying customer delivered to... With me, claiming to be directed to a major medical policy age of whichever. Was told would get a call back in 48 hours was very professional you click a,! Receive roadside assistance and a tow, companies regularly charge north of $ 3 per mile and freedom I! Review to learn about the same cost as AAA debt, too, and pay a pro-rated charge are. Find the AAA’s insurance ratings by health insurance, reprinted, rewritten or recirculated without written permission it. Most awful experience I 've been trying to get thesis help with these scammers saying that they run! He said he figured they would n't charge us anymore for this other 's. Dated April 20, 2020 considering dropping it after this year I have a good auto discount. I 'm still not getting a refund offered to members is one of the economy, which increased!