American Amicable Life Insurance Company of Texas

This letter is in response to the complaint you have received in your office from [redacted]. Mr.[redacted] applied for and was issued a $50,000 30 Year Home Certainty term plan issued July 18, 2017. Enclosed is a copy of the signed Application for Life Insurance, Authorization for the Release of...

Medical Records, Bank Draft Authorization and other related forms for your review.Mr. [redacted] called our office on August 24, 2017 requesting cancellation and refund of premiums. This was the first know we had of Mr. [redacted]'s desire to cancel. We advised him we would remove from the automatic bank draft and send our Policy Cancellation Request form to be completed and return with his request for a full refund. This form was mailed on August 24, 2017 (copy enclosed).In the interest of customer service we have cancelled Mr. [redacted]'s policy as of the original issue date. Enclosed is a copy of our refund check that has been mailed.If I can be of further assistance, please contact me [redacted] ext 3528 or by email at [redacted]Policy Service Department

When **. [redacted] completed his application for insurance on April 25, 2014 all of the health questions on the application were answered in the negative.  When he completed the recorded telephone interview with our vendor EMSI, he answered all of the health questions in the negative with the...

exception of a heart condition.  In issuing the policy, we relied on the answers given to the questions on the application for insurance and telephone interview.Due to his death within the 2 year contestable period on the policy we obtained medical records for **. [redacted] that were prior to the application date as we do with all claims filed in the contestable period.  A comprehensive review of his medical records indicates there was health history that was not disclosed at the time of application.  This information was material to the risk to be taken by American Amicable Life Insurance Company of TX.  Had questions #2 and #4 on the application been answered "yes" he would not be eligible for the plan of insurance applied for and a policy would not have been issued.We regret that our original claim decision cannot be changed.  The decision is based on the information, facts and circumstances known to the company at this time.  The company does not waive its right to present other defenses to this claim, which may come to its attention in the future.  It is requested **. [redacted] review this response and the statement of facts it contains.  If he thinks that anything is inaccurate or incorrect, or if he would like to present additional information, we will be happy to discuss or review.