Bankers Life

We have completed our review and addressed the concerns raised by the insured in a correspondence directly to her on 2/24/
Thank you

Initial Business Response /* (1000, 5, 2014/05/01) */
See attached response
Note to consumer:
The attachment also includes authorization for release of informationYou *** return the signed and dated form to me via email
***@chicago.Revdex.com.org
Thank you
Initial Consumer
Rebuttal /* (2000, 7, 2014/05/08) */
(The consumer indicated he/she ACCEPTED the response from the business.)
they have sent me a check for the amount they deducted from my checking account in errorThank you for your help

Banker's Life sold my mother annuity policies She was and yrs old when these policies were sold Two of the policies were for yrs, one was for yrs The agent knew full well she had cancer and would never live to begin collecting on the policies and reap the 'rewards' of guaranteed interest After my father died, agents came to the house yet again and tried to get her to sifor another annuity, using all the money paid to her on his insurance policies
This company preys on elderly and their practice is unethical

I have been attempting to receive payment on an approved claim The approval process has been a nightmare I have still not received payment and get absolutely no satisfaction when I call customer service This claim if for a long term care policy that my parents have been paying for for year

Initial Business Response /* (1000, 6, 2015/09/18) */
Bankers Life and Casualty Company
***
September 18,
Revdex.com of Chicago & Northern ***
NWabash Avenue Suite
Chicago, IL XXXXX-XXXX
VIA: Revdex.com Online Complaint
System
RE: Bankers *** and Casualty Company
Complainant:***
Case Number: ***
Reference Number: XX-XXXX-XXXXXXXX-X-XXX
To Whom It *** Concern:
This letter is in response to your email received in our office on September 9, Thank you for the opportunity to research this matter
In compliance with state and federal privacy laws, we are required to restrict access to information in our files and may not disclose such information to other persons, except as authorized in writing or otherwise permitted by lawWe have provided a detailed response directly to the policyownerOur records do not reflect that we have authorization to respond directly to the complainant***
We want to assure you of our continued commitment to provide our customers with the best possible serviceIf we may be of further service, please contact our customer service department at (XXX) XXX-XXXX
Sincerely,
***
Consumer Relations
Initial Consumer Rebuttal /* (3000, 8, 2015/09/18) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I am the daughter of the policy holder and Bakers have been taking the $funds from my account at *** Credit Union, and was given the OK from my mother to contact Revdex.com regarding our complaintBankers should be the one to contact the policy holder to get her OK to respond to my Revdex.com ComplaintI will be contacting the *** Department of Insurance to file and complaint with them, since Bankers doesn't want to respond directly to me the complainant
Final Business Response /* (4000, 10, 2015/09/28) */
Contact Name and Title: ***
Contact Phone: 312/XXX-XXXX
Contact Email: ***@banklife.com
Our records show that when *** Register-*** & *** telephoned our Call Center on 8/31/15, *** was made aware that we needed the 3rd Party Authorization to provide her with any information about this policyWe do not find that either *** or *** requested us to send an Authorization form at that timeAs we did not have authorization to provide *** with any addtional information, we responded directly to *** with the information *** requested on September 18,

Bankers Life and Casualty Company
PO Box
0pt;">Carmel IN 46082-
October 20,
Revdex.com of Chicago and Northern Illinois
NWabash, Suite Chicago, IL 60611-
VIA: Revdex.com Portal
RE: Bankers Life and Casualty Company
Consumer: *** ***
Case Number: ***
To Whom It May Concern:
This letter is in response to your correspondence received in our office on October 11, 2016, concerning the above-referenced consumerThank you for allowing us the opportunity to address this matter
On October 14, 2016, we contacted the consumer by telephone and apologized for the delay and informed him that we had processed his refund on October 12, 2016.
We want to assure you of our continued commitment to provide the best possible customer service. If you have any questions, or if we may be of further assistance, our office can be reached by calling (800) ***
Sincerely,
*** ***
Consumer Relations

March 12, 2015

My father-in-law has Alzheimer's disease and was diagnosed 3 years ago. Our nightmare with Bankers began in January 2012. I have read all of these complaints and feel as if I am reading our own story. I will try to keep this short and share some possible strategies that we are trying.

We began meeting with the first agent in January of 2012 after my father-in-law went missing and was thankfully found. We started the claim process at that time. After numerous delay tactics, mismanagement, and incompetence on the part of Bankers, we were finally, one year and two months later in March 20, he was DENIED money for his daily care . We were asked numerous times to provide information that we had already provided. It went on and on. In addition, our caregiver was told to take classes for her certificate and she would be covered. She spent over 700.00 to complete the course, but they refused to pay on the grounds that she was an independent caregiver. Nowhere in the policy does it stipulate that the caregiver needs to be associated with an agency. I wrote to the [redacted] Complaint Department, but to no avail.

Just recently, my father-in-law stayed at a local facility for respite care, which was covered in his policy. The dates were 12/24/14-1/5/15. Of course the facility faxed 33 pages of information to Bankers. then completed another 10 pages deemed necessary for the claim process to continue, which it hasn't. That was not enough. They required an itemized bill, which the facility does not complete. I'm sure Bankers knows this well.

However, the facility has been very helpful and is trying to meet all of Banker's requirements. The facility stated that they have NEVER dealt with this problem before and they deal with companies all the time. I have called Bankers repeatedly. I was put on hold for 26 minutes while they tried to find a supervisor, whom they never found. The last time I asked how many people were handling our claim and the man said, "Quite a large number of people." This is absurd. Every time I call now I am taking names and writing what they tell me about the claim so I can keep track. I get someone different all the time. They appear to be reading from a script. I could go on and on. This claim has not been resolved.

But let's do something.
Please help me do the following:
1. Write a letter to the president of the company - Mr. Scott [redacted]
It looks like the HQ is in Chicago.[redacted] E. Wacker Dr. Chicago, IL 60601-3713
2. Write to the insurance complaint department in your state.
3. Nothing will help unless we make this more public. My next step will be to contact 7 On Your Side, our TV station in NYC. Please contact your local station.
4. Please send letters to your local newspapers.
5. CNN also has investigative reporters such as Drew [redacted].
6. Write to the Revdex.com of Illinois. You can do that on the Revdex.com website.
7. I am appalled at how much time this takes. But the bigger issue is that this company is getting away with making promises and knowing full well that unless an elderly person has someone to fight for them, they will never get a penny..

Initial Business Response /* (1000, 7, 2014/04/18) */
Contact Name and Title: [redacted]
Contact Phone: 312/XXX-XXXX
Contact Email: [redacted]@banklife.com
see attached letter
Initial Consumer Rebuttal /* (3000, 9, 2014/04/21) */
(The consumer indicated he/she DID NOT...

accept the response from the business.)
Dear Ms. [redacted]
Re: File #XXXXXXXX
Policy No. XXXXXXXX
Insured owner: [redacted] M. [redacted]
File XXXXXXXXX
Date: April 21, 2014
Ms. [redacted] this is my response to you and Agent [redacted]
I "did not" accept any policy to process for $17,000.00
When I was trying to get our $30,000.0 policy rescinded back to [redacted] Life and on the phone by a Bankers Life customer service representative both my husband and I that we had three policies in place with Bankers Life. We have a Long Term Care Policy in place and the ongoing issue for the $30,0000.00 Policy. I called Agent [redacted] that we also have another policy for $17,000.00 I asked what was going on, I didn't sign for another insurance policy. Agent [redacted] replied to me on the phone "that they were not suppose to do that" meaning the $17,000.00 should not have been processed and she was going to talk to someone and who I don't know! To make matters worse, Bankers Life withdrew $129.45 from our joint checking account "without" a cancelled check from my husband and I. Bankers Life does not have the authority to just take money out of our checking account just because we have an existing Long Term Care Policy in place!
Both my husband and I went to our bank to report a fraud transaction and the bank was going to stop payment. Agent [redacted] did not make stop payment for the month of April. Our bank account has not received all monies for the three or four transactions till today, April 21, 2014. Our bank is also filing a fraud complaint and I have also submitted a report to the [redacted] along with the $30,0000.00 policy.
On your VIA ONLINE COMPLAINT SYSTEM email that I received dated April 18, 2014 I see a cancelled check and a signature by [redacted] M. [redacted].
The attacked copy does not show me what form [redacted] M. [redacted] signed to!
For the record: THE SIGNATURE OF [redacted] M [redacted] IS NOT HIS SIGNATURE! Someone else signed his name. I am sending a copy of this email and attached documents as an addendum to both complaints.
Reading into Agent [redacted] statement, the $30,000.00 check is one issue and the $17,000.00 policy is another issue. They are both two different issues. When I was advised of three policies all of that was under [redacted] M. [redacted]'s name. I was told by Bankers Life Main Office and the girl who answers the phone at the [redacted] Street Mall Office that ALL Policies were under [redacted]'s name. I DID NOT TELL AGENT [redacted] TO GO AHEAD WITH A $17,0000.00 POLICY!
THAT SIGNED RECEIPT IS NOT [redacted] M [redacted] SIGNATURE!
A FAXED COPY WITH [redacted] M. [redacted] SIGNATURE WAS SENT ON MARCH 17, 2014 TO CANCEL THE $30,000.00 POLICY AND TO RESCIND CHECK TO PACIFIC LIFE WITH A 3 DAY RUSH PROCESSING.
[redacted] M. [redacted] does not have a LIFE INSURANCE POLICY in place since March 17, 2014. We were well in the 30 day time frame to reinstate [redacted] M. [redacted] policy but has since been held up on Bankers Life Casualty Company.
Three months will shortly be coming up on both issues to get my money back for the $17,000.00 that I did not sign for, a $30,000.0 check that should have gone back to Pacific Life to reinstate my $109,000.00 policy and a sign document that is "NOT" the signature of [redacted] M. [redacted]. With this said I feel strongly and whole heartedly both complaints should go to [redacted]. Bankers Life home office should be sending a representative and the Insurance Commissioner in Hawaii for litigation.
Final Business Response /* (4000, 23, 2014/07/03) */
Bankers Life and Casualty Company
PO Box [redacted] XXXXX-XXXX
July 3, 2014
[redacted]
Revdex.com of Chicago and Northern Illinois
330 N. Wabash Avenue
Suite [redacted]
Chicago, IL XXXXX
RE: Bankers Life and Casualty Company
Consumer: [redacted] M. [redacted]
Revdex.com Case Number: XXXXXXXX

Dear Ms. [redacted]
This letter is in response to your correspondence received in our office on June 23, 2014 on behalf of Mr. [redacted]. Thank you for the opportunity to respond to the additional inquiry.
Our special investigation unit conducted interviews with the agent and Mr. [redacted]. During the interview from May 28, 2014, Mr. [redacted] requested that we cancel his policy and refund the initial premium drafted from his bank account. We provided the customer with the desired resolution by voiding his policy and refunding the initial premium. Our check distribution system indicates that the refund check cleared our bank. Irrespective of who recorded the incorrect address, when we processed the refund of premium, we needed to correct Mr. [redacted]'s address in our system, to ensure he received the check. This resulted in a system generated letter mailed to Mr. [redacted], informing him of the correction.
Subsequent correspondence was received from Mr. and Mrs. [redacted] on June 2, 2014. Our investigation concerning the agent continued. Further review was conducted as a result of the notarized affidavit received on June 2, 2014, with no irregularities detected on the contested signatures.
We want to assure you of our continued commitment to provide our customers with the best possible service. If we may be of further service, please contact our customer service department at (XXX) XXX-XXXX.
Sincerely,

[redacted] AIRC, FFSI, FLMI, FLHC, HIA
Consumer Relations
Final Consumer Response /* (4200, 15, 2014/06/03) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I HAVE READ THE RESPONSE REBUTTAL FROM BANKERS LIFE INSURANCE, SIGNED BY MS. [redacted] ALL I DID WAS READ BOTH THE RESPONE REBUTTAL AND FINAL NOTICE TO AB.
I AM NOT ACCEPTING BOTH LETTERS AS A RESOLUTION TO THE "TRICKERY" BY AGENT [redacted] FRAUDULANTLY GOING INTO MY CHECKING ACCOUNT AND PAYING FOR PREMIUMS OF A POLICY THAT "I DID NOT" AUTHORIZED OR PURCHASED FOR A $17,000.00 LIFE POLICY. THERE WAS ANOTHER LIFE INSURANCE POLICY FOR $30,000.00 WHICH WAS FINALLY TRANSFERED BACK TO THE ORIGINAL COOMPANY.
DURING THIS 5 MONTHS GOING ON 6 MONTHS I HAVE BEEN CALLING EVERYDAY WITH BANKERS LIFE TO MAKE THIS CORRECT. BECAUSE I HAVE ALSO FOUND FORGERY IN THE DOCUMENTS "I AM NOT ACCEPTING" THE "FINAL NOTICE" ACCEPTABLE.
I AM CONSIDERING FILING A LAWSUIT AGAINST AGENT [redacted] AND BANKERS LIFE.
LETTERS DO NOT MAKE WHAT AGENT [redacted] AND BANKERS LIFE MAKE IT ALL GO AWAY.
I WANT WHAT I SAID FROM THE BEGINNING WHAT AGENT [redacted] AND BANKERS LIFE DOES TO THE CONSUMERS HOW DECEIVING BANKERS LIFE COMPANY OPERATES AND BEWARE OF AGENT [redacted]
MY COMMMENTS SHOULD BE REGISTERED FOR ALL CONSUMERS TO VIEW.
ANOTHER ISSUE EVOLVED. AGENT [redacted] TOLD HER HOME OFFICE TO CHANGE OUR MAILING ADDRESS UPON MY REQUEST......THAT WAS ABSOLUTELY NOT TRUE.
I AM INVESTIGATING WHY AGENT [redacted] HAS CHANGED OUR PERMANENT ADDRESS.
[redacted] M [redacted] AND [redacted] H. [redacted]

Final Consumer Response /* (450, 5, 2014/04/19) */
The consumer indicated ONLINE that the business responded to this complaint to his/her satisfaction. He/she also stated:
I would like to withdrew my complaint against the company they have responded to my satisfaction thank you.

I needed to surrender my annuity. I phoned the main office to request the form. I left the request on the auto system on Tues., March 10, 2015. When I didn't receive the form by Mon.,16th, I phoned the main office to inquire if they sent it. I was told they didn't send it until the Fri., 13th. Took them 3 days to send the form. (It would be more efficient if the form was available online.) I asked them how long it would take to receive the funds. The woman told me I would have the check in my hand by the 15th calendar day of them receiving the form. It is their policy. I asked her again when I would receive the funds just to confirm her answer. Finally rec'd the form, filled it out & faxed it back the same day, Mar 20th.. April 3rd would be the 15th calendar day. I phoned the main office on April 2nd to see when they sent the check. I was informed that they were processing the request & it should be done in 72 hours & then mailed to me. I told her what the other lady told me about the 15 calendar day check in hand policy. She said they just have to start processing the request by the 15th day, so since they were processing it they were still inside their 15 day policy. She had a nasty attitude about it. They have no regard for their customers. My agent never calls me back & the people at the main office have a different answer to the same question. It's a nightmare every time I call the main office. All they care about is taking your money. It takes them almost 3 weeks to send me my money. When I opened it, my check was cashed in 2 days. I would never recommend this company to anyone looking for insurance.

Bankers Life continues to conduct phone call solicitations to our house, despite :
1) My husband met with a representative and concluded their products would not benefit our particular situation. We have been called back by the same person that net with us, claiming she never met with U.S.
2)We are on the state and federal do not call lists.
3) they call me under the pretense that I am turning 65 soon. I am not, and I have told at least 4 different callers this.
4) one caller said he spoke to my husband 2 weeks earlier and my husband asked him to set an apt this week. He never spoke to my husband.
This same caller told me a few months ago that HE was the only one who represented Bankers Life in this area, and that HE would be in our neighborhood the next day and wanted to set up an appt. the next day my husband had already scheduled an appt with someone else, the person who ended up telling us that none of their products would benefit our particular situation. This caller is 2 for 2 for lying.
5) they all call from personal phones, so the call is not identified as Bamkers Life, and do not leave messages if the phone is not answered.
6) there is apparently no way to get off their call list, as I have asked EVERYONE who has called, only to be called by a different person within a day or two.
7) I rarely answer the phone if I do not recognize the caller ID, so I don't know how often we are actually getting called, but I have answered 4 calls this week from them.
8) I am now taking down names and have a list of all those who have harassed me.

they weren't trying to get out of the claim. TN law states that there is a waiting period for long term care before a company can pay the claim and that the long term care must go for a certain period of time to also be covered. To cover or not to cover the claim was is not in the companies hands but is in the hands of TN law and the TN Commissioner of insurance.

Final Consumer Response /* (450, 10, 2014/02/15) */
The consumer indicated ONLINE that the business responded to this complaint to his/her satisfaction. He/she also stated:
I did receive the check yesterday,2/14 and a phone call as well checking to see if I had received the check which was...

actually issued on 2/6. She had received the complaint I had filed with Revdex.com & was following up on it with me. She stated she would respond to the complaint that it had been resolved. Thank you very much for your help.

September 7, 2016
Good Morning,
Insured:Shirley [redacted] 
Policy Number:...

[redacted]
 
Reference Number: [redacted] and [redacted]
 
 
We responded directly to the Mike [redacted] on August 19, 2016, under the reference number
 
[redacted].  
 
 
Thanks,
 
 
[redacted]
 
Long-Term Care Consumer Relations Department
 
Bankers Life and Casualty Company

Initial Business Response /* (1000, 5, 2014/03/21) */

PO Box [redacted]
[redacted] XXXXX-XXXX
March 21, 2014
[redacted]
Revdex.com Chicago and Northern Illinois
330 N. Wabash Avenue, Suite [redacted]
Chicago, IL 60611
RE: Bankers Conseco Life Insurance Company
Name: ...

[redacted]
Case #: [redacted] (Ref#XX-XXXX-XXXXXXXX-X-XXX)
Dear Ms. [redacted]
This letter is in response to your correspondence dated and received March 13, XXXXX, concerning the above-referenced case number. Thank you for allowing us the opportunity to address this matter.
Calls are recorded for quality purposes only. The manager of the Account Recovery Group listened to the calls from January 21, 2014 and February 21, 2014, and they do not support the allegations made by Mr. [redacted].
We have responded directly to former agent [redacted]' concerns.
We want to assure you of our continued commitment to provide the best possible customer service. If you have any questions, or if we may be of further assistance, our office can be reached by calling (XXX) XXX-XXXX.
Sincerely,
[redacted] L. [redacted]
Consumer Relations

Initial Business Response /* (1000, 5, 2014/05/20) */
see attached
Note to consumer from Revdex.com:
There are two authorizations of information release attached. Please sign, date and return the form that applies to your complaint.
Without this signed and dated form returned to us, the...

business will only respond directly to you.
Thank you
Initial Consumer Rebuttal /* (3000, 7, 2014/05/22) */
(The consumer indicated he/she DID NOT accept the response from the business.)
While I received the letters FINALLY that we had requested,ONLY AFTER I FILED THIS COMPLAINT. it NOW appears that a "second set" of letters was alledged to have been sent back in March....oddly those letter do not match the ones sent ONLY IN RESPONSE TO THIS COMPLAINT. In addition, my husband and I had requested the appeal process be sent to us. I received a telephone call with the same conversation. Of course, true to their lack of customer service, no such information on the appeal process has been forthcoming. I may have no choice but to pursue action for age discrimination against this company. I will be telling people and posting this on the internet for people to see how they treat the elderly!
Final Business Response /* (4000, 15, 2014/06/23) */
see attached
Final Consumer Response /* (4200, 13, 2014/06/17) */
(The consumer indicated he/she DID NOT accept the response from the business.)
to little to late. AND only after I complained here did they attempt to send anything. Then worried they sent different versions to my broker and then to my home by snail mail. Finally, their failure to detail who this "nurse" was, were her credentials were, how she was qualified to render her capricious and arbitrary determination gives me rise to wonder what they are hiding. It is clear that [redacted] insurance company treats their customers poorly. My only choice now is litigation to resolve the issue of how this determinatino was made and by whom ...for all I know the person who came to my home might have been a drug addict.....nonetheless, the companies failure has caused me harm that I have no choice but to seek compensation for.

Very aggravated with this company and is in the pr Po cess of letting them go!!!! Very unprofessional and inconsistent!!! Poor Customer Service!! Untimely withdrawals!!

My dad had a life insurance policy through Bankers. He passed away 5 months ago and we have yet to receive his life insurance. For months Bankers claimed that [redacted] was the bottleneck and they had not released the medical records. Turns out Bankers goes through [redacted] to get medical records and never bothered to tell us. We called Bankers once a week for 4 months before [redacted] was ever mentioned. Now, we have confirmed with [redacted] that the medical records have been mailed to Bankers (its been 14 days) and Bankers is still saying they don't them.
Bankers is sm. Do not do business with them.

10pt;">Bankers Life and Casualty Company
PO Box 1916
Carmel IN 46082-1916
 
 
 
August 29, 2016
 
 
 
Revdex.com of Chicago and Northern Illinois
330 N. Wabash, Suite 3120
Chicago, IL 60611-7621
 
 
VIA: Revdex.com Portal
 
 
RE:  Bankers Life and Casualty Company
        Consumer: Sondra [redacted]
        Case Number: 11619567
 
To Whom It May Concern:
            
This letter is in response to your correspondence received in our office on August 9, 2016. Thank you for the opportunity to research this matter.
 
We have responded directly to the complainant Sondra [redacted].
 
We want to assure you of our continued commitment to provide our customers with the best possible service.  If we may be of further service, please contact our customer service department at (800) 621-3724, extension 68413.
 
Sincerely,
 

Nina [redacted]
Consumer Relations

I am submitting this review because of a recent interaction with Bankers Life and Casualty company.
Upon a family memebr's death they completed the terms of their life insurance policy. Everything from recieving documents to then meeting with the local representative to cover final details of the policy and issuing monetary checks to recipients.
The issue is what they did and how they handled the policy afterwards. They continued to keep the policy active and took monthly payment's out for over 5 months on this. In addition, I brought this to the attention of Banker's Life representatives multiple times and they insisted they required a seperate death certificate to close the account.
As a professional working with clients and customers on a daily basis I felt I should say something to warn other consumers of this companies practices. In my view, this whole matter was unacceptable, un-professional, and dis-respectful. For a Life Insurance company to mis-handled a client's policy speaks to their inefficiency in handling basic aspects of personal policies and their corporate culture as a whole. I would hope Banker's Life takes a serious look in the mirror to correct these issues.