I would start by asking how you were to know about the policy before purchase. Secondly I would ask for the refund once again and then if she doesn't refund, I would kindly hand her a prepared letter that I had written prior to my visit that is addressed to the attorney general of the state and let her know that that is her copy and you'll be stopping at the post office on the way home. We wrote the attorney generalof our state and the AG sent a letter on our behalf and the company was willing to then do the right thing.