Fidelity Life Association

Initial Business Response /* (1000, 8, 2014/08/27) */
Contact Name and Title: [redacted]
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@fidelitylife.com
See attached.
Initial Consumer Rebuttal /* (3000, 10, 2014/08/28) */
(The consumer indicated he/she DID NOT...

accept the response from the business.)
This is clearly a scam, I am cold called, sold incredibly over priced insurance (as an insurance agent I see quotes everyday)then when I complained on 6/23/14 I am told it was cancelled and would be refunded. There was never any communication until I reached out again when I still had not recieved my refund. I was not sent information in the mail, I never signed anything and they are standing by a phone call where if they go back and listen to the recording they will clearly hear me state that I am intoxicated. They pushed and pushed until I proceeded. Below you will see my largest issues with thier response.
1- The agent stated all policies were cancelled, going to be refunded and did not tell me to follow up on the phone or in any email communication. (please provide recording where I am told to contact directly) They won't because it does not exist.
2- The dates in Fidelities letter do not match up, my cancel date was proir to sign up as you can see in the letter they sent. (as you can see they are manipulating information as they go along)
3- At no point did I ever recieve any welcome packet, per the agent the policy went into effect 8/01/14 so what month was I covered?
4- I told the agent while siging up I was in a bar and intoxicated, by law I cannot bind insurance while intoxicated.
Finally I still consider this an open matter and am currently having this investigated by the ** Insurance Commissioner.
Final Business Response /* (1000, 16, 2014/09/22) */
See Document

Please see attachments.

Initial Business Response /* (1000, 5, 2014/02/13) */
02/13/2014,
Dear Ms. [redacted]
Please contact Ms [redacted] and ask her to forward a copy of one of the emails that she has received. Upon receipt of the email I will forward it to our Marketing Director who can research if the email is...

actually coming from FLA, or if an unknown 3rd party is responsible for sending her unauthorized emails using our name.
I look forward to your reply.
[redacted]
Fidelity Life Association
Business Service Executive- Administrative Services
Final Consumer Response /* (2000, 7, 2014/02/16) */
(The consumer indicated he/she ACCEPTED the response from the business.)
SPAM has STOPPED!! Thank you!

Initial Business Response /* (1000, 8, 2014/08/07) */
08/07/2014
Dear Ms. [redacted]
Please see the attached PDF response attached below.
Regards,
[redacted]
Initial Consumer Rebuttal /* (3000, 10, 2014/08/13) */
(The consumer indicated he/she DID NOT accept the response...

from the business.)
Although Ms [redacted] response is technically correct, to say that I "did not realize we had purchased an ADB policy" implies I was involved in these dealings. Although my wife has suffered a stroke, I have not, and not all senior citizens are as addle brained as Ms [redacted] seems to imply. Had I been involved in this matter from the start it would never have made it to this point.
Had Ms [redacted] and / or her complaint dept had the courtesy to reply to the letter I sent them on June 3rd of this year we wouldn't be spending all this time and energy on this matter.
The crux of this issue has not been addressed by Fidelity Life, that is her companies sales tactics - implying that the purchase of an ADB policy would somehow make her (my wife) eligible for health insurance.
I don't wish to be a curmudgeon but please note that I did indeed take the time to write her company a letter about this issue even after I spoke to her companies representative over the phone.
I was ignored until I got the Revdex.com involved.
I will happily submit a copy of the letter I sent to Fidelity Life complaint dept if you wish.
Regards
[redacted]