<prompt> Human: My wife just had our second baby. Early this year she met with a work appointed rep from American Fidelity who assured her that she would be covered as long as she didnt file a claim within the pay period that she purchased the policy. Well today, eight months later, she gets a call from the company saying her claim is denied due to her pregnancy being a preexisting condition despite the agent who sold her the policy specifically saying that she would be covered. They are also saying that there is nothing that can be done. Is there anything we can do or are we at the mercy of a sales rep who either lied to us or doesnt know what he is selling? Thank you.  <response>: What does the actual policy language say? You should NEVER, EVER rely on statements made by others, especially a sales person. You need to read the fine print in the policy ALWAYS. If you have something IN WRITING with a signature stating that purchasing the policy while already pregnant is covered HIGHLY unlikely, you MIGHT have a chance of getting something, if not, this is not going to go anywhere. Its not covered.Generally you cant buy insurance after the fact and common sense says that if your wife was already pregnant when she purchased the policy, it is, in fact, a pre-exisitng condition and NOT covered. 