Clark Stones

We regret that *** * *** is upset with the lapse of his policyPayment history indicates the policy has consistently been behind in payments. Grace period notices were mailed every month this year indicating the amount due to pay the policy. However, the district supervisor
confirmed his wife would only pay a month at a time when she came into the office. When the April premium was not received within the 61-day grace period, the policy lapsed on June 24, Unfortunately, his medical history does not qualify him for the same rating his policy had previously. We regret we are unable to reinstate his coverage. Mr*** also questioned the amount listed on his coupons. On universal life policies, we allow the owner to choose the amount to be billed, and we do not change it unless the client requests it be changed. Mr*** requested a change to the current billing amount in February 2011. When the premium was overdue, grace period notices listing the full amount needed were sent. As such, Mr*** was aware of the amount needed to continue his coverage

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
I am sure I never signed any thing of this sort I have always taken out disability on auto loans or anything of which disability was offered, I do not believe I would or have signed anything such as this, 12%? This I would consider as an insult, if this were true I would have been stupid to have done such I have asked this company for copies of all the documents I have signed along with the policy showing this disability stipulations as of yet they have not sent anything showing things of this matter, my address is, *** *** *** *** *** *** ***
Regards,
*** ***

We checked *** *** ***’s two telephone numbers, and he did not call the Client Relationship CenterHis policy is inforce in a local office, where calls are not recorded. Therefore, there is no documentation of what was discussed between his representative and *** ***. One qualification is he must be tobacco free for one year to submit an application. He claims he stopped smoking in October and submitted an application for the rating reduction in September 2017. By this timing, we can assume he was told about the one-year qualification. The form he signed has a disclaimer stating: A policy change will take effect when this application is approvedThe application was not approved, and he was informed of this by a letter dated October 23, 2017. We have medical records from indicating a significant medical history that no longer would qualify him for the standard rating the policy has now. Therefore, we cannot change the tobacco user rating

We regret that Mr*** *** feels there was an unnecessary delay in handling his claimHowever, the claim was completed within the time frame of the department guidelinesAlthough Mr*** stated he obtained medical records himself, all records we received were from our vendor. We
reviewed recorded calls, but at no time did a claims representative refuse to speak with Mr***. He was explained during the calls some conditions pay 25% and other conditions pay 100% of the policy benefits The medical condition Mr*** indicated on the claim form he completed qualified for 25% of the policy benefits. A check for payment was issued on 3/1/2017, along with a premium refund. In his complaint, Mr*** stated he suffered a different medical condition, which is different from what he indicated on the claim formTherefore, the request for medical records from Mount Carmel East Hospital has been reopened to verify what exact illness he suffered and if an additional covered benefit is involved

We regret the
confusion that Ms*** *** *** experiencedOne of our local offices in
Jacksonville (North) was closed in October At the time, we sent Ms*** a notice
informing her that her insurance would be serviced by the other Jacksonville
(West) officeMeanwhile a surrender
check was processed and mailed to Ms***

*** *** ** *** owned a policy whose premiums were being paid through a pre-authorized check planHowever, that was removed in because of insufficient fundsNo payments were received since March Mailings to *** *** in June and indicated that the policy had no cash
surrender value due to surrender chargesThe monthly cost of insurance was deducted from the cash accumulations until depleted in April At that time, grace period notices were sent requesting a payment to continue the coverageNo further payment was received and the policy lapsed without value in June The accumulations used to continue the coverage on *** *** cannot be refunded
Another policy (critical illness) was being paid through payroll deduction at *** ***’s companyThe last payment received from the company was in October Notifications were sent to both the company and *** ***, but no further payments were receivedThe policy lapsed without value in February
Another policy was also being paid through payroll deduction at his companyWhen no payment was received from his company in January 2015, the Automatic Loan Provision paid the due premium*** *** requested this provision be added to the policy on the application when the policy was issuedHe resumed payroll deductions through his company for this policy in April He surrendered the policy in March and a surrender check was mailed for the net cash value

In January 2017, our local office was to inform Mr*** of the final status of policy #***. Our company apologized to Mr*** as he stated he was not given this informationSince then, we sent Mr*** (and his sister *** a copy of the canceled surrender check

When Mr*** ** *** applied for life insurance, the premium of $was an immediate draft at the submission of the applicationWhen the application was denied, the refund was issued back to MrSchmidt’s account on March 28,

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
What Western and Southern stated in their reply is simply not trueI never received notifications in June or 2012, and in order for my policy to carry itself via the accumulating value I would have had to provide a signatureI did notNot for the initial policy in questionSo the balance of the policy was used without my consent or knowledge to deplete the value of the policy, conveniently allowing Western and Southern to walk away with more than thousand dollars of my money I challenge Western and Southern to produce my signature on the document that allowed the policy to deplete its own valueThey can not because it does not existAs far as the critical illness policy, yes the accumulating value was used, but no- I was not informedI was only informed after the fact
Regards,
*** ***

My mother passed away and had Western and Southern life insurance. When she...

died, I had three policies to bury her with and apparently there are more out there. I was named beneficiary of the three policies, but not sure about the others. I had to scrape up enough to bury her and the funeral director had to take money out of his pocket to help me. There were other policies that could have helped and the insurance agent out of Mansfield John Reef has been sneaky and didnt let me know about it. Apparently my aunt and my older two kids were named beneficiaries. Im not upset about my kids getting any money, but the point is, they hid the policies from me to help with my mom's burial, how can they do that?Desired Resolution:RefundDesired Outcome: I want to know why the other insurance policies were hid from me? I will be seeking an attorney

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 extend our condolences to [redacted] for her loss. We are committed to protecting our policyholder’s confidential information and only share information with persons entitled to receive it. Therefore, when a policyholder dies, we cannot share the information with anyone except the named beneficiary.

[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 [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

Our company apologizes if it was not communicated to [redacted] any quote provided for the rating change was based upon approval of the policy change request by our underwriters. Only underwriters can determine the rating a client’s current health qualifies for and approve a rating adjustment.  Unfortunately, [redacted]’s current health does not qualify the policy for a rating adjustment.

We apologize to Ms. [redacted] for the unwanted phone calls she and her son received. We have asked our local office to stop all and any solicitation to Ms. [redacted].

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]

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.
IN this it is clear it says you which is the policy holder not the company and had I know money was left I would have surrendered it but now there is only $170. Cash value because the company decided to make it term life not me the policy holder. 
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]

There representative was told to cancel the policy. Which he says he did, Mary [redacted] said because he no longer worked there he was not a credible source to make a statement, this is just an excuse not to make good on the full refund. Furthermore she stated that had I died they would have paid out benefits, this could not have been done, had I died, no one would have known to contact them for premiums, because as far as we all knew the policy was cancelled.

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]

Since business last responded consumer called Indianapolis office and asked what is needed to cancel a policy, they said you need to call the representative to and and the representative will submit a written form of cancellation for you.Per consumer, "I know that's what I did and the representative at the time remembers me doing that, his name is Everet F[redacted]. I told Mary [redacted] to call him I have his cell phone number, and she goes I'll call him well obviously she didn't. I told the lady you are saying if I would have died premium would have gotten paid lets go back 18 months and you pay me that back it went from $29 to $100 whatever it was ridiculous when I found out, if they want to pay me 18 months of high premium, so they said one month of the high premium. I would be satisfied if they would just give me back of when it went to the high premium, roughly about 17 or 18 months."