Client applies for life insurance with us and is declined due to his frequent travel to dangerous countries. I offer to re-write him with another carrier that isn't so harsh as far as his travel goes, but he refuses. So, I tell him that his refund check is on its way from the carrier. He calls me a few weeks later and threatens me because he hasn't received his refund check yet, and also, calling me dishonest because I collected a check with his application, while his "friend" in the local insurance biz says you never have to collect Cash With App. I ask him who is "friend" is and what his phone number was, but he refused to share that information with me. The client then threatens to contact some more "friends" in the local insurance industry about me and my firm if the refund check isn't put into his mailbox IMMEDIATELY. I tell him that it's impossible because our carrier is mailing it reg. mail from across the country. I contact the carrier and tell them of my issue - they promise to expedite the refund check. The client then EMAILS me and snarkly tells me to "do some research on the insurance companies" before giving him advice. He has an AD&D policy that he pays $10 a month for from Globe Life/Torchmark (face value $250,000), and thinks that I was trying to rip him off because he feels that AD&D is the same thing as fully-blown Life insurance. He gave me websites and claimed that I was wrong to say that Torchmark is currently under investigation from the AAJ because of defrauding clients into thinking AD&D was the same thing as fully comprehensive Life policies. His proof? "Torchmark/Globe Life is on the New York Stock Exchange and London Stock Exchange, so you're wrong." LOL. I emailed him back actual articles and documents from lawyers and scammed clients of GlobeLife AD&D, and I've yet to have a response. My question is in this case: where do you go from here? Either I stop responding or wave the white flag, so then he can be smug in telling others that I don't know what I'm talking about and that his AD&D policy trumps Life insurance, or do I keep responding to set him straight, but upset his fragile ego even more? It seems that nasty clients in our business have ALOT of power over us, and that seems wrong. How do we deal with this? I'm more worried that he will badmouth myself and my company locally and hurt our business, but it's not like I can sue him for slander/libel - or can I? I just want to be protected from psychotic, lying clients who think they're always right, even if the proof is before their eyes AND delivered by experienced/licensed insurance agents.