Clark Stones

I will be sending my copies of records received from Western Southern Life to the Cincinnati Revdex.com As you will see, the premiums are undeniably ridiculous You cannot tell a year old that their life insurance has expired, and ask them to pay a premium of $2,a year[redacted] ***Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below [To assist us in bringing this matter to a close, we would like to know your view on the matter.] Regards, [redacted] ***

While we regret that Mr [redacted] is unsatisfied with our decision, we are unable to approve the claim for either policyWhen a policy is still contestable at the time of a claim, it is our routine practice to conduct a review of medical information provided by the insuredA review uncovered medical conditions not disclosed during the application processHad our company been aware of the medical conditions, the waiver of premiums rider would not have been issued on the insurance policiesA letter was sent to Mr [redacted] indicating the medical conditions uncovered during our reviewUnder the Incontestability provision of the contracts, the claim for benefits was denied and the waiver of premium rider rescinded from both policiesPremiums paid for the riders were refunded to MrHarrisonThe policies will otherwise remain in benefit subject to the their terms

A letter was sent to Ms [redacted] on November 18, 2016, in response to her Revdex.com complaint, and we regret she has not accepted our explanationAs we explained before, when she automatically became owner of the policy at her age 21, she assumed all the rights as well as all the obligations of the policy Also, as previously stated, each year we sent the owner of the policy interest notices, capitalization notices and loan balance informationAs we have explained to Ms [redacted] , the current death benefit for her extended term coverage is almost $10,($9,874, to be precise) and will be in effect until November 29, At that time, the coverage will cease and the policy will end, which is how term life insurance worksHowever, it is important to note, as we have informed Ms [redacted] , because premiums for the policy are being taken from the cash value, that amount will decrease until depleted in when the policy will endThe cash value of this policy, which is different from the face value listed above, is now $and will continue to decrease until it is depleted in

_X_ Business previously stated, "The category “Mammogram Screening/Pap Smear,” as well as the other categories, does not pertain to his claim and is not indicated as such on the statement." Are you claiming that on the statements it shows that mammogram screening/pap smear does pertain to your claim? Please clarify.Tell us why here...The category Mammogram Screening / Pap Smear would not pertain to me as I am a male individualI have looked over my copy of the form that I filled out and submitted to them and no where on that paperwork does it say anything about a Mammogram Screening / Pap SmearIt clearly states that that I submitted their form that they sent me that I had a heart attack condition which resulted in quadruple bypass surgery.On the check for $dollars it stated there that I was only receiving that amount because my mammogram screening / pap smear only qualified for a 25% payoutAgain I am a male individual so that would not pertain to me and also it was clearly stated on the paperwork that was sent to them that it was for a hart attack which resulted in bypass surgery.Again I am not sure who they came up with mammogram screening / pap smearThanks, [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 If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply Please contact us after that ***e if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted] ***

We regret the form sent to the owner has not been received Another form has been sent for the owner to authorize a withdrawal request As soon as the signed form is returned, it will have our prompt attention

We regret that Mr. [redacted] *** is not satisfied. As stated in his policy contract, the Disability Premium Credit Rider Benefit that Mr. [redacted] has in his policy provides a monthly benefit equal to one-twelfth of the annual selected premium. Therefore, as long as he remains permanently... disabled, a total of $27.75 ($30 minus the premium charge of $2.25) will be added to his cash value each month by the Disability Premium Credit Rider Benefit. Mr. [redacted] is responsible for the monthly insurance cost beyond that.

We have no record of a request for cancellation from the agent or [redacted] back in When [redacted] agreed to have premiums deducted from his bank account, the authorization stated it would remain in effect until revoked in writingWe did not receive an authorization in writing from [redacted] until his recent complaintsWe also responded to an [redacted] complaint [redacted] filed

A letter was sent to Ms [redacted] on November 18, 2016, in response to her Revdex.com complaint, and we regret she has not accepted our explanationAs we explained before, when she automatically became owner of the policy at her age 21, she assumed all the rights as well as all the obligations of the policyAlso, as previously stated, each year we sent the owner of the policy interest notices, capitalization notices and loan balance informationAs we have explained to Ms [redacted] , the current death benefit for her extended term coverage is almost $10,($9,874, to be precise) and will be in effect until November 29, At that time, the coverage will cease and the policy will end, which is how term life insurance worksHowever, it is important to note, as we have informed Ms [redacted] , because premiums for the policy are being taken from the cash value, that amount will decrease until depleted in when the policy will endThe cash value of this policy, which is different from the face value listed above, is now $and will continue to decrease until it is depleted in 2026.The company will be contacting Ms [redacted] with a follow up letter addressing her concerns

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below I do not accept because they may say that they have mailed these documents but I was never informed of the policy lapsing and I was also not informed of the loan until after taking this policy over and I'm sure that when I assumed responsibility for this policy I was and had I know about the loan I would have not taken over the policy and I thought that when I called in to have the policy canceled because I could not afford the loan that was on the policy that it had took all the money that was in the policy that is why I never received anything I had no idea or notice of it becoming a term life policy and feel that I should have then been notified or had to consent to this being done and if that is not the case then the company has lost all the money that this policy occurred and my policy was a dollar policy and was in affect for years and the only cash value it has occurred is dollars worth that is almost Impossible [To assist us in bringing this matter to a close, we would like to know your view on the matter.] Regards, [redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
*** ***

*** ***, I AM SENDING THIS TO YOU TO TRY TO GET SOME CLARIFICATION SO THAT YOU KNOW HOW I ACTUALLY SEE ALL THISI PURCHASED MY LIFE INSURANCE INAND EVERY SINCE THEN EVERY AGENT WE HAVE HAD HAS TOLD ME THAT IF I WAS TO QUIT SMOKING FOR YEAR I WOULD THEN GO TO THE NONSMOKING RATE AND WOULD SAVE CONSIDERABLY ON MY PREMIUMSNOW THAT I HAVE DONE THIS THEY ARE DENYING ME SAYING BECAUSE OF MY HEALTH NOW I BASICALLY DO NOT QUALIFYFIRST OF ALL WHAT DOES MY HEALTH HAVE TO DO WITH ME QUITTING SMOKING? THAT SEEMS LIKE THAT WOULD HELP HEALTH PROBLEMS! SECOND OF ALL I DO NOT KNOW WHAT HEALTH PROBLEMS THEY ARE TALKING ABOUT BECAUSE I HAVE NO HEART ISSUES,I ALSO DO NOT HAVE ANY ISSUES WITH MY LUNGS, KIDNEYS,LIVER, BLADDER, OR ANYTHING ELSE BESIDES SOME ARTHRITUSI AM NOT AWARE OF ANY CANCER ISSUES, IN FACT I ONLY HAVE TO TAKE COLONOSCOPIES EVERY YEARS BECAUSE THEY HAVE NEVER FOUND ANYTHINGMY DOCTOR KEEPS ME ON A MAINTENANCE REGIMINE JUST TO HELP WARD OF THE POSSIBILITY OF ISSUES, SUCH AS TAKING FISH OIL, ASPIRIN AND MY VITAMINSHE DOES HAVE ME ON MEDS FOR HIGH CHOLESTEROL AND IT RUNS GREAT.SO I CANNOT FIGURE OUT WHAT THE PROBLEM IS UNLESS THEY HAVE ANOTHER PERSONS RECORDSTHIRD OF ALL THEY TALK OBOUT AGE NOW AND HEALTHIT DOES NOT MAKE SENSE TO ME BECAUSE EVERY YEARS MY PREMIUMS GO UP DUE TO GETTING OLDER AND WHATEVER COMES WITH THATSO I HOPE THAT YOU CAN SEE THAT THIS ALL JUST SEEMS LIKE THEY ARE JUST TRYING TO GET OUT OF WHAT I AM ENTITLED TO AND WHAT I WAS ALWAYS TOLD WOULD HAPPEN IF I WAS TO QUIT SMOKINGI HAVE DONE WHAT I WAS SUPPOSE TO DO,SO NOW THEY NEED TO DO THEIR PARTI DO NOT UNDERSTAND WHY I HAVE TO LIVE UP TO MY WORD IN MATTERS AND COMPANIES FEEL THAT THEY DO NOTIF YOU HAVE ANY QUESTIONS PLEASE FEEL FREE TO CALL METHEY SHOULD EITHER PUT ME AT THE NONSMOKING RATE OR REFUND ALL UF THE MONEY THAT I HAVE PAID IN AND I WILL GO SOMEWHERE ELSE FOR MY INSURANCE NEEDSTHANK YOU SO MUCH FOR LISTENING*** * ***

[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 If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
*** ***
An insurance company that cannot show documentation? I expect my all premiums paid from 2012-to be refunded.If legal action is taken, I doubt "no documentation" would help in this dispute.*** ***

We regret *** *** * *** did not accept our explanationThe premiums paid provided coverage on his life throughout the years and cannot be refunded. Additionally, in June 2016, we sent him a letter to informing him of the scheduled withdrawal dates for the upcoming year. That was yet another notification sent to *** *** to bring to his attention there were monthly deductions being withdrawn*** *** has mentioned this issue with regulators, and we will address this matter with them as well

Ms*** *** automatically became owner of this policy when she turned 21. As the new owner, she assumed all rights to the policy, along with the cash values and the outstanding loanThe loan was $580.42, including interest, when Ms*** chose to allow the policy to lapse in
When the policy lapsed, the loan was deducted from the cash value and the remaining amount was used as a single premium to purchase paid up term death benefit coverage of $9,until November 29, Ms*** may choose to keep the extended term death benefit coverage of $9,or cash in the policy for the remaining cash value, which is approximately $172.20. The cash value will continue to decrease, as it provides the coverage and will deplete in November

We are sorry about the death of one of our insured, Mr*** ***, and offer our condolences to Ms*** *** and her family. We regret the delay in paying the claim and understand the difficult time the family is going through. As soon as the requested documents are received, we
will pay the claim. Mr*** was owner of his insurance, and the named beneficiary pre-deceased him. Therefore, our obligation is to the estate of Mr***. We have reached out to his family, in the person of his aunt Ms***, advising she should contact the probate court to determine and obtain the proper documentation to pay this claimWe are waiting for the documents directing our company as to who should be paid the death benefit. Although Ms*** believed the ownership and beneficiary change forms were signed in 2013, we did not receive any paperwork for Mr***’s or for his sibling’s policies requesting these changesTo make the changes at this time for his brother, we sent him a form, as he owns his policy. His signature is required to process the changes. As soon as he returns the signed documents, we can make the changes

We received the necessary documents, and the death settlement benefit was paid to MsAnn *** on April 6,

We have been notified by *** *** *** that she and her sister received the death claim checks

[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 If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***