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.Regards, [redacted] ***I am not in agreement with the outcome of my initial complaintConseco life insurance kept billing an additional $and I kept paying them more than what the policy wAs worth which forced me to swallow my pride and go from door to door to collect monies to bury my loving motherWhen I contacted them they stated that I would have to take the loss of the additional monies or withdraw all the monies n get penalized It is in my opinion that Conseco should have paid out every cent I paid into my mothers policies which totaled over $give or take a littleInitially I wanted this issue resolved I now feel I should be reimbursed my monies in its entirety I would greatly appreciate it if the Revdex.com would be able to assist me in getting reimbursed the $additional that I pay CansecoThis issue is not been resolved to my approvalthank you kindly [redacted] ***
Roman"'>This letter is in response to your correspondence dated and received July 31, 2014, concerning the above-referenced ID NumberThank you for allowing us the opportunity to address this matterWe have responded directly Mr [redacted] regarding his concernsWe want to assure you of our continued commitment to provide the best possible customer serviceIf you have any questions, or if we may be of further assistance, you may contact me directly by calling (317) 817- [redacted] or by fax by dialing (317) 817-Sincerely, [redacted] Consumer Relations
This serves to respond to your letter dated December 11, with respect to the above referenced matterOur records indicate that [redacted] was issued whole Life insurance policies with Bankers Conseco LifePolicy [redacted] was issued with an effective date of March 1, for a face amount of $Policy [redacted] was issued with an effective date of September 1, for a face amount of $This coverage is Whole Life Insurance and premiums are payable to age This policy is non-participatingThe fact that there was more premium paid for the coverage has no bearing on the face amount of the death benefit that was dueIt is correct that the premium paid on this life insurance coverage exceeds the policy face amountWhile we can empathize with your concern in this matter, life insurance is not the same as a savings account wherein all deposits accrue to the sole benefit of one individualRather, the benefits derived from life insurance are in inverse proportion to one's longevityPremiums are used to pay the claims for all insured's, whether coverage has been in force for one month, one year, five years etceteraPlease be assured that we pay many such claimsWhile it is impossible to predict the actual time of death for anyindividual, we do know that some people will pass away before premiums exceed the death benefitConversely, we are likewise aware that some will pay more in premium than their beneficiary will receiveSuch is the nature of life insurance specifically and of all insurance in generalFurther, please consider that unlike other insurance, a payment of some value was assured under this policy; whether in the form of the death benefit when the Insured passed away, or the cash surrender value if coverage terminated during the insured's lifetimeTerm life insurance contracts, on the other hand, only pay a benefitif death occurs within a defined period, which typically ends well before age Automobile and homeowner insurance only become payable in response to a covered lossIn both of these scenarios, there is no assured "return" on one's premiumsOnce again, I can certainly understand your concern but the benefit paid to Ms [redacted] as the beneficiary in the amount of $1546,and $representing the proceeds of the policies is correctThere are no additional benefits dueI hope that this explanation is helpful to you in understanding how we considered this claimShould you have any questions please contact me at 215-928-***Sincerely, [redacted] FLMI, ACS Manager, Life Claims Department%
This letter is in response to your correspondence dated and received in our office August 30, Thank you for allowing us the opportunity to address this matterWe have communicated directly with Ms [redacted] , addressing her concernsMs [redacted] has been advised that the policy is no longer being administered by Conseco Life Insurance Company, and that all inquiries for this policy should be made to [redacted] Inc., at [redacted] .We want to assure you our continued commitment to provide the best possible customer serviceIf you have any questions, or if we may provide any further assistance, you may contact our customer service department at 800-541-Sincerely, Michael C [redacted] Consumer Reltions
Keeping policy information secure and private is one of our top prioritiesIn compliance with state and federal privacy laws, we are required to restrict access to policy information to the owner of the policyWe are allowed to disclose information only as authorized in writing by the policy owner, or as otherwise permitted by lawBecause we have not received written authorization from the policy owner to disclose information to you, we cannot provide you any information on the policyThus, your request for information will be addressed directly with the policy ownerIf you have any questions, please call the Client Service Center at the number above, Monday through Friday from 8:AM to 5:PM Central TimeSincerely, Client Services
This letter is in response to your correspondence received in our office on March 16, 2015, concerning the above-referenced policy numbersThank you for allowing us the opportunity to address this matterPolicyholder's information is considered to be confidential; therefore, we require an authorization to release this information to youWe mailed correspondence directly to [redacted] on April 6, addressing his concernsWe want to assure you of our continued commitment to provide the best possible customer serviceIf you have any questions, or if we may provide any further assistance, you may contact our customer service department by dialing (800) 541-Sincerely, Kimberly H [redacted] Consumer Relations
We are writing to confirm your recent letter in which you expressed a grievance regarding the above referenced policyWe are currently reviewing this matter and gathering appropriate informationAs soon as this process is complete, we will correspond with you againThank you for bringing your concerns to our attention.If you have any questions, please call Client Service Center at the number above, Monday through Friday from 8:AM to 5:PM Central TimeSincerely, Client Services
This letter is in response to your correspondence received in our office on March 16, 2015, concerning the above-referenced policy numbersThank you for allowing us the opportunity to address this
matterPolicyholder's information is considered to be confidential; therefore, we require an authorization to release this information to youWe mailed correspondence directly to *** *** on April 6, addressing his concernsWe want to assure you of our continued commitment to provide the best possible customer serviceIf you have any questions, or if we may provide any further assistance, you may contact our customer service department by dialing (800) 541-Sincerely,
Kimberly H***
Consumer Relations
Roman"'>This letter is in response to your correspondence dated and received July 31, 2014, concerning the above-referenced ID NumberThank you for allowing us the opportunity to address this matterWe have responded directly Mr. *** regarding his concernsWe want to assure you of our continued commitment to provide the best possible customer serviceIf you have any questions, or if we may be of further assistance, you may contact me directly by calling (317) 817-*** or by fax by dialing (317) 817-Sincerely,
*** ** *** Consumer Relations
This letter is in response to your November 24, correspondence regarding the above referenced policy owner, which has been referred to our attention for review and responseKeeping policy information secure and private is one of our top prioritiesIn compliance with state and federal
privacy laws, we are required to restrict access to policy information to the owner of the policyWe are allowed to disclose information only as authorized in writing by the policy owner, or as otherwise permitted by ;lawBecause we have not received written authorization from the policy owner to disclose information to you, we cannot provide you with any information on the policy.However, it is important to note that on October 15, 2015, we responded to an inquiry from the State of New Mexico Office of superintendent of Insurance regarding the policy owner's concernsOur response was provided to the State of New Mexico and to the policy ownerAs such, we believe this matter has been resolvedIf you have any questions, please call the Client Service Center at the number above, Monday thru Friday from 8:AM to 5:PM Central TimeSincerely,
Client Services
July 23, 2015 Revdex.com of Central IndianaNDelaware St#2020Indianapolis, IN 46204-2599 RE: Conseco Life Insurance Company Complainant: *** ***
Case Number: *** Dear Revdex.com of Central Indiana: This letter is in response to your correspondence dated and received in our office July 17, 2015. Thank you for allowing us the opportunity to address this matter. In your correspondence you requested information regarding the above referenced complainant. 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 law. Therefore, we require an authorization to release this information to you. We have communicated directly with Ms*** on July 23, addressing her concerns We want to assure you our continued commitment to provide the best possible customer service. If you have any questions, or if we may provide any further assistance, you may contact our customer service department at 800-525-7662. Sincerely, Tanya ***Consumer Relations
This letter is in response to your correspondence dated and received in our office August 30, Thank you for allowing us the opportunity to address this matterWe have communicated directly with Ms***, addressing her concernsMs*** has been advised that the policy
is no longer being administered by Conseco Life Insurance Company, and that all inquiries for this policy should be made to *** *** Inc., at *** ***.We want to assure you our continued commitment to provide the best possible customer serviceIf you have any questions, or if we may provide any further assistance, you may contact our customer service department at 800-541-Sincerely,
Michael C***
Consumer Reltions
This letter is in response to your correspondence received in our office on February 9, 2015, regarding the above-referenced ID numberThank you for allowing us the opportunity to respond to this
inquiryWe contacted Mr*** and confirmed that he received the information he requestedWe mailed him the forms and instructions necessary to make any administrative changes to his policiesWe regret the inconvenience Mr*** experienced in his attempt to obtain policy informationThe security of personal and financial information is a critical part of our relationship with our customersIn 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 individuals, except as authorized in writing or otherwise permitted by lawPrior to any disclosure, our customer service representatives are required to authenticate the caller's informationThe information
Mr*** provided could not be promptly validated as he has not prompted us to update our records in the recent yearsIf you have further questions or need additional assistance, you may contact me directly by
dialing (800) 525-7662, extension ***, by fax, 317-817-6543, and alternatively via e-mail at ***@CNOinc.comSincerely,
*** ***, AIRC, FFSI, FLMI, FLHC, HIA
Consumer Relations
This letter is in response to your correspondence dated and received on December 1, 2014, regarding the above-referenced policy number.Thank you for allowing us the opportunity to
address this matterIn your correspondence you requested information regarding the above reference complainant*** ** *** information is considered to be confidential; therefore, we require an authorization to release this information to youWe mailed correspondence directly to *** *** on December 23, addressing her concernsWe want to assure you of our continued commitment to provide the best possible customer serviceIf you have any questions, or if we may provide any further assistance, you may contact our customer service department by dialing (800) 541-Sincerely,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below.[Provide details of why you are not satisfied with this resolution.]
Regards,
*** *** ***
Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.Regards,
*** ***I am not in agreement with the outcome of my initial complaintConseco life insurance kept billing an additional $and I kept paying them more than what the policy wAs worth which forced me to swallow my pride and go from door to door to collect monies to bury my loving motherWhen I contacted them they stated that I would have to take the loss of the additional monies or withdraw all the monies n get penalized It is in my opinion that Conseco should have paid out every cent I paid into my mothers policies which totaled over $give or take a littleInitially I wanted this issue resolved I now feel I should be reimbursed my monies in its entirety I would greatly appreciate it if the Revdex.com would be able to assist me in getting reimbursed the $additional that I pay CansecoThis issue is not been resolved to my approvalthank you kindly
*** ***
I am writing in response to the above referenced fileI am happy to be of assistance in your investigation.
it is unfortunate that Ms*** encountered an instance that is uncommon for our customer service effortOur customers are the core of our business and I appreciate
you bringing this matter to my attention on behalf of your father *** ***.I have reviewed Ms***'s concerns regarding the policy conversion provisions and applicable premium rateThere seems to be a misunderstanding of the specified premium required to implement the provisions that the contract providesPlease allow me to clarifyThe contract that Mr*** applied for was a year Renewable Term Life Insurance (FT2847808B) to age with coverage beginning on April 7, According to the contractual agreement "The coverage will end on the Expiry Date on the Policy Schedule..."
Our records indicate that our customer service department was contacted on December 31, and January 27, regarding the conversion rate for the simplified whole life policyIt was mentioned that the premium amounts that were provided ($and $158.40) were inconsistent with the correspondence dated January 16, which provided a monthly premium of $Please accept my apologies on behalf of the company for any confusion experienced during the course of the explanationI have confirmed with our conversion department the Mr***'s conversion application was received on February 9, and successfully processed with a monthly premium rate of $Given your interest in a quarterly premium, our company provides a premium discount in the amount of $($190.80-$=$185.40) Therefore, the quarterly premium for the new whole life policy is $Please be advised that I have personally addressed this matter with both representatives and their direct supervisorsThis matter has been duly noted in their files and corrective training has been administeredOur customers are the core of our business and I appreciate you bringing this matter to my attentionOur representatives are trained to understand the needs of our customers, help to resolve their concerns and provide accurate policy informationTo date the Simplified Whole Life Insurance policy (AL20453839) became effective February 7, and is currently paid until May 7, Additionally, there is a credit in the amount of $on the accountIf you desire to have this premium refunded or applied toward the next premium please contact me and I will process it accordinglyOnce again, we apologize for any inconvenience this matter may have causedHopefully, this resolution and information is found to be satisfactoryIf I may be of further assistance, please free free to contact me directly at 215-928-Sherie S***
Team Lead s@colpenn.com
This letter is in response to your May 3, correspondence regarding the above referenced case numberThis matter has been referred to my attention for review and responseWe appreciate the opportunity to respondKeeping policy information secure and private is one of our top
prioritiesIn compliance with state and federal privacy laws, we are required to restrict access to policy information to the owner of the policyWe area allowed to disclose information only as authorized in writing by the policy owner, or as otherwise permitted by lawBecause we have not received written authorization from the policy owner to disclose information to you, we cannot provide you any information on the policyThus, your request for information will be addressed directly with the policy owner.Should you have any further questions or need additional information, please contact me directly as (254) 750-My email address is RY***@texaslife.comSincerely,
Robbin Y***, PCS, FLML, AJRC, ARA/cs
Senior Associate/Customer Service Specialist
Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.Regards,
*** *** The case # *** has not been resolved. Conseco is still denied coverage for my chemo. They are claiming that my chemo/tumor management Rx Sandostatin LAR is not a chemo/tumor management medicine. It is an approved chemo/tumor management medicine for Carcinoid Cancer. All cancers are different and different tumor management meds are unique to the cancers.
I have experienced nothing but trouble from Conseco since I was diagnosed with cancer. The previous years they were happy to take my money every month, but heaven forbid submit a claim. Now nothing is covered under the policy
*** ***
This letter is in response to your correspondence received in our office on January 16, 2015, regarding the above-referenced ID numberThank you for allowing us the opportunity to respond to this
inquiryWe wish to confirm that this matter has been resolvedWe apologize for any inconvenience this delay has causedWhile we are dedicated to promptly and accurately adjudicate our claims, we must ensure that they are evaluated in accordance with all applicable laws and regulationsWe recognize our contractual obligations to pay the benefits in a timely manner, however, while carrying out these obligations we reserve the right to thoroughly analyze our claims to ensure that the appropriate benefits are paid to the intended beneficiariesIf you have further questions or need additional assistance, you may contact me directly by dialing (800) 525-7662, extension ***, by fax, 317-817-***, and alternatively via e-mail at ***@CNOine.comSincerely,
*** ***, AIRC, FFSI, FLMI, FLHC, HIA
Consumer Relations%
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.Regards, [redacted] ***I am not in agreement with the outcome of my initial complaintConseco life insurance kept billing an additional $and I kept paying them more than what the policy wAs worth which forced me to swallow my pride and go from door to door to collect monies to bury my loving motherWhen I contacted them they stated that I would have to take the loss of the additional monies or withdraw all the monies n get penalized It is in my opinion that Conseco should have paid out every cent I paid into my mothers policies which totaled over $give or take a littleInitially I wanted this issue resolved I now feel I should be reimbursed my monies in its entirety I would greatly appreciate it if the Revdex.com would be able to assist me in getting reimbursed the $additional that I pay CansecoThis issue is not been resolved to my approvalthank you kindly [redacted] ***
Roman"'>This letter is in response to your correspondence dated and received July 31, 2014, concerning the above-referenced ID NumberThank you for allowing us the opportunity to address this matterWe have responded directly Mr [redacted] regarding his concernsWe want to assure you of our continued commitment to provide the best possible customer serviceIf you have any questions, or if we may be of further assistance, you may contact me directly by calling (317) 817- [redacted] or by fax by dialing (317) 817-Sincerely, [redacted] Consumer Relations
This serves to respond to your letter dated December 11, with respect to the above referenced matterOur records indicate that [redacted] was issued whole Life insurance policies with Bankers Conseco LifePolicy [redacted] was issued with an effective date of March 1, for a face amount of $Policy [redacted] was issued with an effective date of September 1, for a face amount of $This coverage is Whole Life Insurance and premiums are payable to age This policy is non-participatingThe fact that there was more premium paid for the coverage has no bearing on the face amount of the death benefit that was dueIt is correct that the premium paid on this life insurance coverage exceeds the policy face amountWhile we can empathize with your concern in this matter, life insurance is not the same as a savings account wherein all deposits accrue to the sole benefit of one individualRather, the benefits derived from life insurance are in inverse proportion to one's longevityPremiums are used to pay the claims for all insured's, whether coverage has been in force for one month, one year, five years etceteraPlease be assured that we pay many such claimsWhile it is impossible to predict the actual time of death for anyindividual, we do know that some people will pass away before premiums exceed the death benefitConversely, we are likewise aware that some will pay more in premium than their beneficiary will receiveSuch is the nature of life insurance specifically and of all insurance in generalFurther, please consider that unlike other insurance, a payment of some value was assured under this policy; whether in the form of the death benefit when the Insured passed away, or the cash surrender value if coverage terminated during the insured's lifetimeTerm life insurance contracts, on the other hand, only pay a benefitif death occurs within a defined period, which typically ends well before age Automobile and homeowner insurance only become payable in response to a covered lossIn both of these scenarios, there is no assured "return" on one's premiumsOnce again, I can certainly understand your concern but the benefit paid to Ms [redacted] as the beneficiary in the amount of $1546,and $representing the proceeds of the policies is correctThere are no additional benefits dueI hope that this explanation is helpful to you in understanding how we considered this claimShould you have any questions please contact me at 215-928-***Sincerely, [redacted] FLMI, ACS Manager, Life Claims Department%
This letter is in response to your correspondence dated and received in our office August 30, Thank you for allowing us the opportunity to address this matterWe have communicated directly with Ms [redacted] , addressing her concernsMs [redacted] has been advised that the policy is no longer being administered by Conseco Life Insurance Company, and that all inquiries for this policy should be made to [redacted] Inc., at [redacted] .We want to assure you our continued commitment to provide the best possible customer serviceIf you have any questions, or if we may provide any further assistance, you may contact our customer service department at 800-541-Sincerely, Michael C [redacted] Consumer Reltions
Keeping policy information secure and private is one of our top prioritiesIn compliance with state and federal privacy laws, we are required to restrict access to policy information to the owner of the policyWe are allowed to disclose information only as authorized in writing by the policy owner, or as otherwise permitted by lawBecause we have not received written authorization from the policy owner to disclose information to you, we cannot provide you any information on the policyThus, your request for information will be addressed directly with the policy ownerIf you have any questions, please call the Client Service Center at the number above, Monday through Friday from 8:AM to 5:PM Central TimeSincerely, Client Services
This letter is in response to your correspondence received in our office on March 16, 2015, concerning the above-referenced policy numbersThank you for allowing us the opportunity to address this matterPolicyholder's information is considered to be confidential; therefore, we require an authorization to release this information to youWe mailed correspondence directly to [redacted] on April 6, addressing his concernsWe want to assure you of our continued commitment to provide the best possible customer serviceIf you have any questions, or if we may provide any further assistance, you may contact our customer service department by dialing (800) 541-Sincerely, Kimberly H [redacted] Consumer Relations
We are writing to confirm your recent letter in which you expressed a grievance regarding the above referenced policyWe are currently reviewing this matter and gathering appropriate informationAs soon as this process is complete, we will correspond with you againThank you for bringing your concerns to our attention.If you have any questions, please call Client Service Center at the number above, Monday through Friday from 8:AM to 5:PM Central TimeSincerely, Client Services
This letter is in response to your correspondence received in our office on March 16, 2015, concerning the above-referenced policy numbersThank you for allowing us the opportunity to address this
matterPolicyholder's information is considered to be confidential; therefore, we require an authorization to release this information to youWe mailed correspondence directly to *** *** on April 6, addressing his concernsWe want to assure you of our continued commitment to provide the best possible customer serviceIf you have any questions, or if we may provide any further assistance, you may contact our customer service department by dialing (800) 541-Sincerely,
Kimberly H***
Consumer Relations
Roman"'>This letter is in response to your correspondence dated and received July 31, 2014, concerning the above-referenced ID NumberThank you for allowing us the opportunity to address this matterWe have responded directly Mr. *** regarding his concernsWe want to assure you of our continued commitment to provide the best possible customer serviceIf you have any questions, or if we may be of further assistance, you may contact me directly by calling (317) 817-*** or by fax by dialing (317) 817-Sincerely,
*** ** *** Consumer Relations
This letter is in response to your November 24, correspondence regarding the above referenced policy owner, which has been referred to our attention for review and responseKeeping policy information secure and private is one of our top prioritiesIn compliance with state and federal
privacy laws, we are required to restrict access to policy information to the owner of the policyWe are allowed to disclose information only as authorized in writing by the policy owner, or as otherwise permitted by ;lawBecause we have not received written authorization from the policy owner to disclose information to you, we cannot provide you with any information on the policy.However, it is important to note that on October 15, 2015, we responded to an inquiry from the State of New Mexico Office of superintendent of Insurance regarding the policy owner's concernsOur response was provided to the State of New Mexico and to the policy ownerAs such, we believe this matter has been resolvedIf you have any questions, please call the Client Service Center at the number above, Monday thru Friday from 8:AM to 5:PM Central TimeSincerely,
Client Services
July 23, 2015 Revdex.com of Central IndianaNDelaware St#2020Indianapolis, IN 46204-2599 RE: Conseco Life Insurance Company Complainant: *** ***
Case Number: *** Dear Revdex.com of Central Indiana: This letter is in response to your correspondence dated and received in our office July 17, 2015. Thank you for allowing us the opportunity to address this matter. In your correspondence you requested information regarding the above referenced complainant. 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 law. Therefore, we require an authorization to release this information to you. We have communicated directly with Ms*** on July 23, addressing her concerns We want to assure you our continued commitment to provide the best possible customer service. If you have any questions, or if we may provide any further assistance, you may contact our customer service department at 800-525-7662. Sincerely, Tanya ***Consumer Relations
This letter is in response to your correspondence dated and received in our office August 30, Thank you for allowing us the opportunity to address this matterWe have communicated directly with Ms***, addressing her concernsMs*** has been advised that the policy
is no longer being administered by Conseco Life Insurance Company, and that all inquiries for this policy should be made to *** *** Inc., at *** ***.We want to assure you our continued commitment to provide the best possible customer serviceIf you have any questions, or if we may provide any further assistance, you may contact our customer service department at 800-541-Sincerely,
Michael C***
Consumer Reltions
This letter is in response to your correspondence received in our office on February 9, 2015, regarding the above-referenced ID numberThank you for allowing us the opportunity to respond to this
inquiryWe contacted Mr*** and confirmed that he received the information he requestedWe mailed him the forms and instructions necessary to make any administrative changes to his policiesWe regret the inconvenience Mr*** experienced in his attempt to obtain policy informationThe security of personal and financial information is a critical part of our relationship with our customersIn 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 individuals, except as authorized in writing or otherwise permitted by lawPrior to any disclosure, our customer service representatives are required to authenticate the caller's informationThe information
Mr*** provided could not be promptly validated as he has not prompted us to update our records in the recent yearsIf you have further questions or need additional assistance, you may contact me directly by
dialing (800) 525-7662, extension ***, by fax, 317-817-6543, and alternatively via e-mail at ***@CNOinc.comSincerely,
*** ***, AIRC, FFSI, FLMI, FLHC, HIA
Consumer Relations
This letter is in response to your correspondence dated and received on December 1, 2014, regarding the above-referenced policy number.Thank you for allowing us the opportunity to
address this matterIn your correspondence you requested information regarding the above reference complainant*** ** *** information is considered to be confidential; therefore, we require an authorization to release this information to youWe mailed correspondence directly to *** *** on December 23, addressing her concernsWe want to assure you of our continued commitment to provide the best possible customer serviceIf you have any questions, or if we may provide any further assistance, you may contact our customer service department by dialing (800) 541-Sincerely,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below.[Provide details of why you are not satisfied with this resolution.]
Regards,
*** *** ***
Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.Regards,
*** ***I am not in agreement with the outcome of my initial complaintConseco life insurance kept billing an additional $and I kept paying them more than what the policy wAs worth which forced me to swallow my pride and go from door to door to collect monies to bury my loving motherWhen I contacted them they stated that I would have to take the loss of the additional monies or withdraw all the monies n get penalized It is in my opinion that Conseco should have paid out every cent I paid into my mothers policies which totaled over $give or take a littleInitially I wanted this issue resolved I now feel I should be reimbursed my monies in its entirety I would greatly appreciate it if the Revdex.com would be able to assist me in getting reimbursed the $additional that I pay CansecoThis issue is not been resolved to my approvalthank you kindly
*** ***
I am writing in response to the above referenced fileI am happy to be of assistance in your investigation.
@colpenn.com
it is unfortunate that Ms*** encountered an instance that is uncommon for our customer service effortOur customers are the core of our business and I appreciate
you bringing this matter to my attention on behalf of your father *** ***.I have reviewed Ms***'s concerns regarding the policy conversion provisions and applicable premium rateThere seems to be a misunderstanding of the specified premium required to implement the provisions that the contract providesPlease allow me to clarifyThe contract that Mr*** applied for was a year Renewable Term Life Insurance (FT2847808B) to age with coverage beginning on April 7, According to the contractual agreement "The coverage will end on the Expiry Date on the Policy Schedule..."
Our records indicate that our customer service department was contacted on December 31, and January 27, regarding the conversion rate for the simplified whole life policyIt was mentioned that the premium amounts that were provided ($and $158.40) were inconsistent with the correspondence dated January 16, which provided a monthly premium of $Please accept my apologies on behalf of the company for any confusion experienced during the course of the explanationI have confirmed with our conversion department the Mr***'s conversion application was received on February 9, and successfully processed with a monthly premium rate of $Given your interest in a quarterly premium, our company provides a premium discount in the amount of $($190.80-$=$185.40) Therefore, the quarterly premium for the new whole life policy is $Please be advised that I have personally addressed this matter with both representatives and their direct supervisorsThis matter has been duly noted in their files and corrective training has been administeredOur customers are the core of our business and I appreciate you bringing this matter to my attentionOur representatives are trained to understand the needs of our customers, help to resolve their concerns and provide accurate policy informationTo date the Simplified Whole Life Insurance policy (AL20453839) became effective February 7, and is currently paid until May 7, Additionally, there is a credit in the amount of $on the accountIf you desire to have this premium refunded or applied toward the next premium please contact me and I will process it accordinglyOnce again, we apologize for any inconvenience this matter may have causedHopefully, this resolution and information is found to be satisfactoryIf I may be of further assistance, please free free to contact me directly at 215-928-Sherie S***
Team Lead
s
This letter is in response to your May 3, correspondence regarding the above referenced case numberThis matter has been referred to my attention for review and responseWe appreciate the opportunity to respondKeeping policy information secure and private is one of our top
prioritiesIn compliance with state and federal privacy laws, we are required to restrict access to policy information to the owner of the policyWe area allowed to disclose information only as authorized in writing by the policy owner, or as otherwise permitted by lawBecause we have not received written authorization from the policy owner to disclose information to you, we cannot provide you any information on the policyThus, your request for information will be addressed directly with the policy owner.Should you have any further questions or need additional information, please contact me directly as (254) 750-My email address is RY***@texaslife.comSincerely,
Robbin Y***, PCS, FLML, AJRC, ARA/cs
Senior Associate/Customer Service Specialist
Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.Regards,
*** *** The case # *** has not been resolved. Conseco is still denied coverage for my chemo. They are claiming that my chemo/tumor management Rx Sandostatin LAR is not a chemo/tumor management medicine. It is an approved chemo/tumor management medicine for Carcinoid Cancer. All cancers are different and different tumor management meds are unique to the cancers.
I have experienced nothing but trouble from Conseco since I was diagnosed with cancer. The previous years they were happy to take my money every month, but heaven forbid submit a claim. Now nothing is covered under the policy
*** ***
This letter is in response to your correspondence received in our office on January 16, 2015, regarding the above-referenced ID numberThank you for allowing us the opportunity to respond to this
inquiryWe wish to confirm that this matter has been resolvedWe apologize for any inconvenience this delay has causedWhile we are dedicated to promptly and accurately adjudicate our claims, we must ensure that they are evaluated in accordance with all applicable laws and regulationsWe recognize our contractual obligations to pay the benefits in a timely manner, however, while carrying out these obligations we reserve the right to thoroughly analyze our claims to ensure that the appropriate benefits are paid to the intended beneficiariesIf you have further questions or need additional assistance, you may contact me directly by dialing (800) 525-7662, extension ***, by fax, 317-817-***, and alternatively via e-mail at ***@CNOine.comSincerely,
*** ***, AIRC, FFSI, FLMI, FLHC, HIA
Consumer Relations%