Ahhhhhhhhhhh - bad tree. Now THAT is a completely different story. We weren't talking about a bad tree until that very last post of yours.
I have NO idea what is cold hearted about being able to restore a family to its previous condition (before whatever it was that caused the claim).
I've paid life insurance claims after a person's loved on has died. I couldn't have stopped the person from dying. I was able to, however, provide the son, whose wife was ready to give birth, money for the down payment on their new family home.
I have been able to help people whose lives have been devastated by loss, to be able to slowly pick up the pieces after that loss.
I have no idea what could be cold-hearted about any of those stories.
Up until I moved to a different part of the country, I had previous customers begging me to move their business to my new company - so that they could keep this good agent who worked with them, who tried to give them what they needed - not what would line my pockets. I was never the top seller - because I only wrote good business. I didn't write everything and hope that some stuck.
And now that I train people to become licensed, and I train licensed agents to sell, I teach them about ethics, which is not currently required. I teach them how to do right by their customer - which sometimes means selling less policies or spending extra time with a particular customer.
Your agent must have an attitude like yours for you to feel that agents are cold hearted.
Sorry - you simply need to find a better agent instead of forcing your ignorant opinions on others.
And, by the way, considering that the business is insurance - I have access to all kinds of lawyers - in just about every state. I use them when I need them.