[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait until for the business to perform this action and, if it does, will consider this complaint resolvedI also received the $on 08/16/$before the $ Regards, Maria A [redacted]
Upon receipt of your correspondence, we reviewed Ms [redacted] - [redacted] 's complete fileShe initially called our company on May 16, 2016, to request cancellation of her policy At that time we immediately stopped drafting her monthly premiums from her bank account and sent her a cancellation form that she needed to sign and returned to cancel the policyWe received that form back with a signature that did not appear to match Ms [redacted] [redacted] 's signature on the original application so we sent another cancellation form with a request that she have her signature notarized This request for a notarized signature is only made to protect our customers from having someone fraudulently sign their name.As requested, we have cancelled Ms [redacted] - [redacted] 's policy As a courtesy, we also refunded the premium payment that was drafted from her bank account the day before she called to cancel A copy of the letter confirming the cancel and a copy of our refund check is attached We do not feel that a full refund of premium is warranted as her policy was issued January 15,2016, so her day review period was up in February We have provided coverage in good faith and immediately stopped her automatic payments once she expressed her desire to cancel.We hope this information has been helpful to you and that you find we have acted in a fair and responsible manner Please contact us if you have any questions, or require further information.Sincerely,Amanda S***, ACS, ALMI Manager, Policyholder Service
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID 11857825, and find that this resolution would be satisfactory to me I will wait until for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted]
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait until for the business to perform this action and, if it does, will consider this complaint resolved Regards, Carol O***
Lincoln Heritage Insurance Company has minimized this complaint to “misspellings” The “misspellings” was brought up to support the incompetence of the Lincoln Heritage Insurance Company representative that filled out the application Why should the insurer be held responsible for an application that was filled out by Lincoln Heritage Insurance Company? If filled out by the applicant there would have NOT been any missed information and or errors Sometimes errors and omissions are not caught in a review of the application Walter Taylor assumed that the verbal information given to the Lincoln Heritage Insurance Company representative would be transferred to the application as stated; in this case it was NOT.Lincoln Heritage Insurance Company is assuming that a person would be ignorant enough to tell a lie on an application whereas the truth is WELL documented [redacted] informed Lincoln Heritage Insurance Company representative of his drug habit I stated habit because [redacted] was NOT in treatment nor was he EVER diagnosed as a habitual drug user by a physician as the application asked [redacted] told the doctors just as he told the Lincoln Heritage Insurance Company representative that he was an active drug userLincoln Heritage Insurance Company told me ( [redacted] ***) that they were reviewing his medical records to obtain the day [redacted] first learned of his Lung Cancer [redacted] NEVER knew he had cancer prior to filling out the application he never went to the doctor complaining of any breathing problems prior to becoming insured Lincoln Heritage Insurance Company indeed returned the premiums but if they inquire they would know that the refund check was never cashed for this claim that is still in dispute Cashing that check would have been an indication of an agreement, we ARE NOT in agreement.In closing Lincoln Heritage Insurance Company representative misrepresented [redacted] on that applicationEven though Lincoln Heritage Insurance Company representative ignored Walter’s admission of being a habitual drug user, the question of “In the past two (2) years, has the applicant been diagnosed with, been treated by a physician, or taken medication for any of the following conditions:Alcohol or Drug abuse” was actually answered correctly as the question stated.The application stated “SIGNIFICANT HEALTH CONDITION – If the answer to any health question is “YES”, your death benefit will be modified”, it does not state eliminated therefore there is NO reason to lie It is an insult to my brother Walter’s reputation (he was a drug user NOT a liar) and mines to say that we lied on an application
I have not received any communication with Lincoln Heritage because their business practices are a messFirst, they never spoke with me before releasing my insurance policy to Mr M [redacted] Second, I never received even the small $premium payment refund-- BECAUSE THE COMPANY IS WRITING TO A MICHELLE S [redacted] IN HOPKINS SCThis is insane- I have never lived in Hopkins SCThis person they sent the check to did not cash it because it was obviously sent to the wrong addressI have not seen the premium payment refund or the letter attached with itIf I had received that letter I would have known what was going on a long time agoMr M***s stole my policy and kept buying time by telling me one lie after the next- he really should be in jail for thisBy the time I had figured out what was going on he had had the funds from my policy for well over monthsThis is not my fault and I should not be suffering for itI simply hired the man to bury my mom- he was paid in full nearly $10,for a simple funeralAbove this he then stole the second policy of $5,While I was burying my mom, I was not thinking anyone would be such an awful person to scam meHonestly, I am very upset over the level of disrespect I have been shown by both partiesMy mom paid for this policy for many years expecting it to be of some benefit to meBecause of the poor business practices of Lincoln Heritage and Meadows- they both have disrespected my mom in her deathLincoln Heritage should correct this wrong doing by returning my money to me and having Meadows arrestedFrom what I have heard-- the guy has even had his hearst repossessedI can only imagine the level of lies he told to his bank to get a loan for a funeral homeI am sure that karma will reach everyone that has disrespected my family in such a foul mannerBut I could really use those funds right now- and I do not see a reason that I should have to accept this level of poor service
This company has caused more issues than what they are worth.I spoke to a lawyer regarding the hand writing experts that they ate and they can not , repeat can nor tell some one that their signature does not meet their experts knowledgeNo company had the right to do what they did.Their manager that I last talked with could have cared less what I was saying and had the phone down on her desk.I heard this so called mabagel pick up the phone every time she had to make a response Besides the that supposedly sent, I want the other two months reimbursed as well.Tina [redacted]
To whom it may concern;Thank you for forwarding the information to us on the above referenced complaintWe appreciate the opportunity to respond as our company takes great pride in keeping our promises, and we provide excellent customer service that is unmatched in the insurance industry.Because MrV [redacted] passed away within the contest ability period of the policy the company reviewed medical records to verify the information given on the application for insuranceAccording to the medical records it appeared that there was a material misrepresentation made by the applicantWith the information we had we were unable to justify payment of the claimTherefore, a full refund of premiums appears to be the appropriate action regarding this claimPlease note no premiums were deducted after notification of deathAll premiums deducted from MrV***'s account will be refunded in full.As we previously advised MsR***, should she have any information from Mr.V***'s physicians to show that the medical records were inaccurate or that would allow us to reconsider our decision she can always submit them for review.We hope this information is of assistance to youPlease feel free to contact me with any further questions regarding contestability or regarding the claims process at 800-433-8181.SincerelyBeth M [redacted] Manager
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below Received your letter dated June 1st yesterdayI checked my credit union yesterday and there was no withdrawal of fundsMy letter dated June explains what has transpired since my last one to you.Unbeknownst of my daughter I am enclosing copies of some of her information as she also has not received her refundCould / would you please add her to the same complaint? She could use that money on another bill alsoShe does not have the time to notify you folks as she is working anywhere from to almost hours a dayShe probably does not want you to know this but back in 2005-she almost died on me due to stress and upon return from the hospital she had to file bankruptcy.I will add here that neither one of us would be able to come to Phoenix for this caseMy car (Daewoo Leganza) is so old, not sold in the U.Sanymore, and getting harder and harder to find partsMy mechanic does not want me out of Rogers or Bentonville (they butt up to each other)You have my permission to contact him at: Tim's Automotive, SE 21st Street, Bentonville, AR or phone: 479-273-Rhonda could not because of her hours and no vacation time built up I am sorry that I have to send this second letter in regards to more screw-ups within your company(First letter written on May of this year.) I had requested my payments be near the middle of the month due to my receiving Social Security (my only income due to paying off my late husband's scams to keep his butt out of prison)As I stated in the first letter my premium was to be $/ monthI called your company and requested that my policy be cancelled.Since that letter I have received TWO IDENTICAL POLICIES!!! These two policies state that my monthly premium was raised to $THEN, on June st I receive two envelopes and my premium had been raised to $37.14!!! Is business so bad that you are raising premiums every month?? I then went to my credit union and had a stop payment issuedI would like to hear from YOU regarding this mess!! Enclosed you will find my signed cancellation form Regards, [redacted]
As explained in our original response, we immediately stopped the automatic bank drafts and sent a cancellation form when Ms [redacted] - [redacted] contacted us to cancel on May 16, We are enclosing copies of each of the cancellation forms Ms [redacted] - [redacted] signed and returned to us, one on May 18,and one on May 31, As a courtesy, we refunded the May payment that was drafted before she called us.We do not feel that any futther refund of premium is warranted as her day review period expired several months before she contacted us We provided coverage in good faith and had we processed the original cancellation form she signed on May 16, 2016, she still would not have qualified for any further refund.We hope this information has been helpful to you and that you find we have acted in a fair and responsible manner Please contact us if you have any questions, or require futther information.Sincerely,Amanda S***, ACS, ALMI Manager, Policyholder Service
On February 17, we faxed our reply to you to fax number [redacted] For your convenience I have attached the response to this request.Please let us know if you need any further information.Thank you
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait until for the business to perform this action and, if it does, will consider this complaint resolvedI also received the $on 08/16/$before the $ Regards, Maria A [redacted]
Upon receipt of your correspondence, we reviewed Ms [redacted] - [redacted] 's complete fileShe initially called our company on May 16, 2016, to request cancellation of her policy At that time we immediately stopped drafting her monthly premiums from her bank account and sent her a cancellation form that she needed to sign and returned to cancel the policyWe received that form back with a signature that did not appear to match Ms [redacted] [redacted] 's signature on the original application so we sent another cancellation form with a request that she have her signature notarized This request for a notarized signature is only made to protect our customers from having someone fraudulently sign their name.As requested, we have cancelled Ms [redacted] - [redacted] 's policy As a courtesy, we also refunded the premium payment that was drafted from her bank account the day before she called to cancel A copy of the letter confirming the cancel and a copy of our refund check is attached We do not feel that a full refund of premium is warranted as her policy was issued January 15,2016, so her day review period was up in February We have provided coverage in good faith and immediately stopped her automatic payments once she expressed her desire to cancel.We hope this information has been helpful to you and that you find we have acted in a fair and responsible manner Please contact us if you have any questions, or require further information.Sincerely,Amanda S***, ACS, ALMI Manager, Policyholder Service
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID 11857825, and find that this resolution would be satisfactory to me I will wait until for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted]
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait until for the business to perform this action and, if it does, will consider this complaint resolved Regards, Carol O***
Attached is our response.Thank you.Trevor W [redacted]
Lincoln Heritage Insurance Company has minimized this complaint to “misspellings” The “misspellings” was brought up to support the incompetence of the Lincoln Heritage Insurance Company representative that filled out the application Why should the insurer be held responsible for an application that was filled out by Lincoln Heritage Insurance Company? If filled out by the applicant there would have NOT been any missed information and or errors Sometimes errors and omissions are not caught in a review of the application Walter Taylor assumed that the verbal information given to the Lincoln Heritage Insurance Company representative would be transferred to the application as stated; in this case it was NOT.Lincoln Heritage Insurance Company is assuming that a person would be ignorant enough to tell a lie on an application whereas the truth is WELL documented [redacted] informed Lincoln Heritage Insurance Company representative of his drug habit I stated habit because [redacted] was NOT in treatment nor was he EVER diagnosed as a habitual drug user by a physician as the application asked [redacted] told the doctors just as he told the Lincoln Heritage Insurance Company representative that he was an active drug userLincoln Heritage Insurance Company told me ( [redacted] ***) that they were reviewing his medical records to obtain the day [redacted] first learned of his Lung Cancer [redacted] NEVER knew he had cancer prior to filling out the application he never went to the doctor complaining of any breathing problems prior to becoming insured Lincoln Heritage Insurance Company indeed returned the premiums but if they inquire they would know that the refund check was never cashed for this claim that is still in dispute Cashing that check would have been an indication of an agreement, we ARE NOT in agreement.In closing Lincoln Heritage Insurance Company representative misrepresented [redacted] on that applicationEven though Lincoln Heritage Insurance Company representative ignored Walter’s admission of being a habitual drug user, the question of “In the past two (2) years, has the applicant been diagnosed with, been treated by a physician, or taken medication for any of the following conditions:Alcohol or Drug abuse” was actually answered correctly as the question stated.The application stated “SIGNIFICANT HEALTH CONDITION – If the answer to any health question is “YES”, your death benefit will be modified”, it does not state eliminated therefore there is NO reason to lie It is an insult to my brother Walter’s reputation (he was a drug user NOT a liar) and mines to say that we lied on an application
I have not received any communication with Lincoln Heritage because their business practices are a messFirst, they never spoke with me before releasing my insurance policy to Mr M [redacted] Second, I never received even the small $premium payment refund-- BECAUSE THE COMPANY IS WRITING TO A MICHELLE S [redacted] IN HOPKINS SCThis is insane- I have never lived in Hopkins SCThis person they sent the check to did not cash it because it was obviously sent to the wrong addressI have not seen the premium payment refund or the letter attached with itIf I had received that letter I would have known what was going on a long time agoMr M***s stole my policy and kept buying time by telling me one lie after the next- he really should be in jail for thisBy the time I had figured out what was going on he had had the funds from my policy for well over monthsThis is not my fault and I should not be suffering for itI simply hired the man to bury my mom- he was paid in full nearly $10,for a simple funeralAbove this he then stole the second policy of $5,While I was burying my mom, I was not thinking anyone would be such an awful person to scam meHonestly, I am very upset over the level of disrespect I have been shown by both partiesMy mom paid for this policy for many years expecting it to be of some benefit to meBecause of the poor business practices of Lincoln Heritage and Meadows- they both have disrespected my mom in her deathLincoln Heritage should correct this wrong doing by returning my money to me and having Meadows arrestedFrom what I have heard-- the guy has even had his hearst repossessedI can only imagine the level of lies he told to his bank to get a loan for a funeral homeI am sure that karma will reach everyone that has disrespected my family in such a foul mannerBut I could really use those funds right now- and I do not see a reason that I should have to accept this level of poor service
This company has caused more issues than what they are worth.I spoke to a lawyer regarding the hand writing experts that they ate and they can not , repeat can nor tell some one that their signature does not meet their experts knowledgeNo company had the right to do what they did.Their manager that I last talked with could have cared less what I was saying and had the phone down on her desk.I heard this so called mabagel pick up the phone every time she had to make a response Besides the that supposedly sent, I want the other two months reimbursed as well.Tina [redacted]
To whom it may concern;Thank you for forwarding the information to us on the above referenced complaintWe appreciate the opportunity to respond as our company takes great pride in keeping our promises, and we provide excellent customer service that is unmatched in the insurance industry.Because MrV [redacted] passed away within the contest ability period of the policy the company reviewed medical records to verify the information given on the application for insuranceAccording to the medical records it appeared that there was a material misrepresentation made by the applicantWith the information we had we were unable to justify payment of the claimTherefore, a full refund of premiums appears to be the appropriate action regarding this claimPlease note no premiums were deducted after notification of deathAll premiums deducted from MrV***'s account will be refunded in full.As we previously advised MsR***, should she have any information from Mr.V***'s physicians to show that the medical records were inaccurate or that would allow us to reconsider our decision she can always submit them for review.We hope this information is of assistance to youPlease feel free to contact me with any further questions regarding contestability or regarding the claims process at 800-433-8181.SincerelyBeth M [redacted] Manager
Hi,Attached please find our response.Trevor W [redacted]
To Whom It May Concern,Our response has been faxed, for some reason we are unable to upload the document.Thank you.T [redacted]
Please find out response attached.Thank youTrevor W [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below Received your letter dated June 1st yesterdayI checked my credit union yesterday and there was no withdrawal of fundsMy letter dated June explains what has transpired since my last one to you.Unbeknownst of my daughter I am enclosing copies of some of her information as she also has not received her refundCould / would you please add her to the same complaint? She could use that money on another bill alsoShe does not have the time to notify you folks as she is working anywhere from to almost hours a dayShe probably does not want you to know this but back in 2005-she almost died on me due to stress and upon return from the hospital she had to file bankruptcy.I will add here that neither one of us would be able to come to Phoenix for this caseMy car (Daewoo Leganza) is so old, not sold in the U.Sanymore, and getting harder and harder to find partsMy mechanic does not want me out of Rogers or Bentonville (they butt up to each other)You have my permission to contact him at: Tim's Automotive, SE 21st Street, Bentonville, AR or phone: 479-273-Rhonda could not because of her hours and no vacation time built up I am sorry that I have to send this second letter in regards to more screw-ups within your company(First letter written on May of this year.) I had requested my payments be near the middle of the month due to my receiving Social Security (my only income due to paying off my late husband's scams to keep his butt out of prison)As I stated in the first letter my premium was to be $/ monthI called your company and requested that my policy be cancelled.Since that letter I have received TWO IDENTICAL POLICIES!!! These two policies state that my monthly premium was raised to $THEN, on June st I receive two envelopes and my premium had been raised to $37.14!!! Is business so bad that you are raising premiums every month?? I then went to my credit union and had a stop payment issuedI would like to hear from YOU regarding this mess!! Enclosed you will find my signed cancellation form Regards, [redacted]
As explained in our original response, we immediately stopped the automatic bank drafts and sent a cancellation form when Ms [redacted] - [redacted] contacted us to cancel on May 16, We are enclosing copies of each of the cancellation forms Ms [redacted] - [redacted] signed and returned to us, one on May 18,and one on May 31, As a courtesy, we refunded the May payment that was drafted before she called us.We do not feel that any futther refund of premium is warranted as her day review period expired several months before she contacted us We provided coverage in good faith and had we processed the original cancellation form she signed on May 16, 2016, she still would not have qualified for any further refund.We hope this information has been helpful to you and that you find we have acted in a fair and responsible manner Please contact us if you have any questions, or require futther information.Sincerely,Amanda S***, ACS, ALMI Manager, Policyholder Service
On February 17, we faxed our reply to you to fax number [redacted] For your convenience I have attached the response to this request.Please let us know if you need any further information.Thank you