Clark Stones

[redacted] had a policy issued in 1964, which he
surrendered in 1984. He also had a universal life policy issued in 1984.
[redacted] was paying $30 for this policy, which was not enough to cover the
insurance costs.  Grace period notices were mailed advising the...

amount
needed to continue the coverage, but the policy lapsed in February 2014 for
nonpayment of the due premium.
[redacted] owned a  Protection Life policy on
her father, [redacted], issued in November 2013. At issue, [redacted]
agreed to extra charges included in the cost of insurance due to her father’s
medical issues.  However, payments were sporadic, and the policy
 lapsed in September when the minimum amount required to continue the
coverage was not received.  Grace period notices were mailed advising the
amount needed to continue the coverage, but no payment was received since June.
We were in the process of considering the reinstatement, which requires an
interview with [redacted].  At that point,  [redacted] withdrew the
request, and the payment is being returned to her. The policy is not in
benefit and does not provide coverage.
Neither of these
policies would have expired at [redacted]' age 72.

[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 [redacted]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]

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 Ithey  reviewed appear below. They sent me the letter and yes I received the letter but I am not serenading the money to the company because I have not received any notice from them since 2013 yeah they sent me the statements with the letter but I have not received any prior to the letter they sent me and they also never notified me of my policy being changed to term life policy.. had I been notified of this fact I would have cashed out the policy and no longer done buisness with the. To my understanding when I called to cancel the policy in 2012 and 2013 I had thought that the money had went to pay the loan and cover what the company was owed I had no idea that there was money still left for this company to turn into term life and I would think they should have had my consent to make the policy terms life.. and I have not received any letter from the company to notify of a term life policy.. I had received a letter telling me that the company was holding a meeting so I called because to my knowledge I had no longer had life insurance threw them so I called and that was when I was informed of there being a term life policy for me ..
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]

We regret that Ms. [redacted] has not accepted our explanation. We have addressed this issue with her, including a letter dated December 13, 2016. A copy of the policy has been provided to her. The nonforfeiture option of extended term insurance is contractual and does not require owner consent to take effect. The policy contract states: If a premium is not paid by the end of its grace period, the policy will lapse as of the premium due date.  … If the policy has a net cash value when it lapses, you may surrender it for its cash or you may continue it as extended insurance. The net cash value, which is the value remaining after the loan is repaid from the cash value, plus any divided value, will be used as a net single premium to buy extended insurance… Extended term insurance is a level amount of term life insurance that begins on the date of lapse. It continues in force for a limited time. It is payable if the insured dies before the time runs out.  Ms. [redacted] has the option of keeping the term coverage until it ceases on November 29, 2026, or surrendering the policy for the cash surrender value. This amount decreases over time.

[redacted] requested documentation showing where her Dad ([redacted]) canceled and renewed the policies. [redacted] did not submit a request to cancel the policies; the premiums simply were not paid. As outlined in the policy contract, when the premium is not paid, the policy will end when the cash value is less than the monthly charge. Both policies automatically canceled at the end of the grace period when the due premiums were not paid.
[redacted] began the reinstatement process for one of the policies. However, when advised we would need to interview [redacted], she withdrew her request. As such, we do not have any documentation of [redacted] renewing his policies.

We have no record of a request for cancellation from the agent or [redacted] back in 2007. When [redacted] agreed to have premiums deducted from his bank account, the authorization stated it would remain in effect until revoked in writing. We did not receive an authorization in writing from [redacted] until his recent complaints. We also responded to an [redacted] complaint [redacted] filed.

We apologize if it was not communicated to [redacted] that 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 regret [redacted]’ concern about mailings
she received.  She has been contacted by one of our representatives requesting she send us a copy of one of the
mailings to review.  Once we receive the copy, we will address the issue
with [redacted].

The Lafayette Life Company regrets [redacted] did not accept the policy offered her for life insurance. The representative spoke with her about the limited death benefit provision, but [redacted] will return the policy for a refund of the premiums paid.  The policy will be voided.

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]
I do not accept because I understand the ownership part but the question I have they keep dancing around it I want to know how they took the left over money from my policy and made it term life without my consent.

We regret that Ms. [redacted] did not receive the documentation promptly. On November 16, 2016, we received via fax a Power of Attorney document. It appears the request listed on the cover page was missed. A second request was received on December 12, 2016. On December 19, 2016, statements were...

sent to Ms. [redacted] via secure email. If she did not receive the email, we ask that she check to see if it went to her spam folder.  If she did not receive it there either, we would be happy to resend the documentation.

Mr. [redacted] surrender form was not sent to the Home Office for processing. We have apologized to Mr. [redacted] for the oversight and are mailing him a check today by express mail.

Mr. [redacted] has a cancer policy in force with our company. In order to consider a claim, we advised Mr. [redacted] to provide us with the standard bills. As of this date, we have not received these documents. In 2014, he submitted an Explanation of Benefits (EOB) from another insurance...

carrier, but additional information was not provided when requested. No bills for cancer treatment have been submitted since. An explanation of benefits from other insurance carriers does not provide all the necessary information we need to process a claim. We cannot accept any handwritten information.  We will be able to consider a claim when we receive the standard bills, including the CMS 1500 form for physician billing, the UB04 form for hospital billing and an itemized statement. These forms include the name of patient, diagnosis codes (ICD-9 Code), CPT procedure codes, including number of units for each service, exact dates and charge for services, provider’s name, address and Federal Tax ID number and National Provider Identifier (NPI).  We will contact Mr. [redacted] again and request copies the standard bills to consider his cancer claim.

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]I HAVE NO CLUE ABOUT THIS RESPONSE CENTER AND WHEN I QUIT SMOKING I REPORTED IT TO MY REP AT THAT TIME (MR. M[redacted]). HE SAID THAT WILL BE GOOD INFO TO PUT IN HIS CLOUD. THEN BEFORE IT WAS ONE YEAR I CALLED HIM AND FOUND OUT THAT HE WAS NO LONGER WITH THE COMPANY AND HE WOULD GET AHOLD OF SOMEONE TO CALL ME. THIS JUST KEEPS CONFIRMING TO ME THAT THIS COMPANY HAS GONE TOTALLY DOWN HIL BECAUSE THEY CAN'T EVEN KEEP THEIR AGENTS LONG ENOUGH TO EVEN SERVICE THEIR CUSTOMERS. I STILL DO NOT UNDERSTAND THE MEDICAL CONDITION THAT THEY ARE CLAIMING!!! I HAVE THE SAME HEALTH THAT I DID WHEN I GOT THIS POLICY. I'M JUST OLDER AND A LITTLE SLOWER. THERE IS NO WAY THAT I CAN ACCEPT THEIR RESPONSE. I HAVE ALWAYS BEEN UP FRONT WITH ANYTHING AND ALWAYS TRUTHFUL. I HAVE DONE WHAT I WAS ALWAYS TOLD THAT WAS REQUIRED OF ME TO GET THE NONSMOKING RATE AND FEEL THAT THEY ARE DOING THIS JUST TO GET MORE MONEY FROM ME. I DID NOT SERVE MY COUNTRY IN THE MARINES TO HAVE AN AMERICAN COMPANY TURN THEIR BACK ON ME AND TREAT ME LIKE THIS, SO I SAY NO WAY TO THEIR RESPONSE AND I WILL NOT GIVE UP AND GO AWAY. I FEEL THAT THEY HAVE IN NO WAY KEPT UP WITH THEIR END OF THIS POLICY OR I WOULD HAVE HAD AN AGENT MORE THAN FOR ONE MEETING. THIS IS JUST ANOTHER EXAMPLE OF CORPORATE GREED AS FAR AS I'M CONCERNED. I HAVE FULFILLED MY RESONSIBILITY IN THIS MATTER AND SHOULD BE MADE WHOLE AS A NONSMOKER AS OF OCT.6 2017 OR BE REIMBURSED AL THE PREMIUMS THAT I HAVE PAID IN SINCE THEY WON'T LIVE UP TO THEIR SIDE. THANK YOU.   [redacted]IN MY LAST REPLY ON 12-11-2017 I FORGOT TO PUT IN THAT I WILL TAKE ANY MEDICAL TESTS THAT THE COMPANY WOULD WANT ME TO TAKE, BE IT BLOOD, XRAY, ULTRA SOUND, EEG, EKG, STRESS TESTS, OR WHATEVER TESTS THEY FEEL WOULD BE NECASSARY. ALL THEY HAVE TO DO IS SET IT UP AND TELL ME WHEN AND WHERE. SO IF YOU COULD PASS THIS ALONG FOR ME I WOULD BE VERY THANKFUL. THANK YOU.    [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 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 19 and had I know about the loan I would have not taken over the policy and I thought that when I called in 2014 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 20000 dollar policy and was in affect for 25 years and the only cash value it has occurred is 174 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]

We are sorry that [redacted] is not satisfied with our response. Copies of the notifications sent to her prior to the lapse of the policies have been be mailed for her records.

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]

I would like documentation showing where my Dad cancelled and renewed all policies.Also, I think the Revdex.com should take time to see how much premium was charged between 2012 and 2014 for a $20,000 policy, and let me know how ANYONE can afford that.  I will let everyone I know on social media know what I have been through with this company, and make sure they do not receive any new customers.[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]

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 62 year old that their life insurance has expired, and ask them to pay a premium of $2,000 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]

_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 individual. I 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 Smear. It 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 $3500 dollars it stated there that I was only receiving that amount because my mammogram screening / pap smear only qualified for a 25% payout. Again 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 smear. Thanks,[redacted]