What is the name of your state?What is the name of your state? washington. what rights do i have if an insurance agent sold my wife a policy with out telling her the truth? we bought a short term disability policy from aflac and before she signed it she asked "so if i get pregnant tomorrow i will be covered right?" he said "yes". we got pregnant a few weeks later and we come to find out that our policy is not valid. it starts ten months after policy date which is may 1st and we are due april 10th. she has talked to four people at aflac not including the original agent, who will not call back. they all said she can't get a refund because it comes from her paycheck so she has to go through her employer. question number two what if her employer does not give her a refund? question three is there an insurance company that will take over our policy and give us the short term disability or a company that will insure pregnant women?