Thank you for sending this correspondence to our home office to inform us of the situation and allow us the opportunity to respond.On July 24, Lola S*** applied for a life insurance policy with Lincoln Heritage Life Insurance CompanyThe beneficiary is listed on the application as Michelle S*The insured, MsS*** passed on January 15, 2016, at that time the entire $face amount was owed, plus $a refund of premiumOn January 19,we received an "Assignment of proceeds" form for the amount of $which had been signed by the beneficiary, Michelle S***, and a death certification for the insured(Please note: the assignment of proceeds form is notarized.) The claim was processed that same day and the checks were mailed on January 20, One check was mailed to First Family Funeral Home (copy enclosed) for $5,and the other was mailed to MsS*** for $At that point our portion of the claim was complete and we had satisfied any and all responsibility to payIn the months following, starting in April 2016, the beneficiary advised us that she had not signed any assignment of proceeds form, per her request we sent a copy of the form to herWe also advised that she should contact local authorities to investigate the situation, and if we needed to provide any documents we would be happy to do so.The check for $that was mailed to the beneficiary was not cashed as per our most recent searchWe sent correspondence to her on August 3, to advise her of this unclaimed property and to allow us to reissue the checkCopies of all necessary correspondence enclosedWe hope that this information is of assistance to youIf you need any additional information, or if we can be of futher assistance, please contact us at ###-###-####Sincerely, Trevor W*** Legal Deptment
We have received your continued correspondence and appreciate the opportunity to respondPlease find enclosed a copy of our letter to the above policyholder, *** ***Her refund has been mailed.On the initial application for insurance the agent used standard rates in error rather than the modified death benefit rates she qualified forFor that reason, the premium was changed to $When we took the policy off of automatic bank draft, she no longer gets the discount so the rate would be $However, that point is moot since she cancelled the coverage.We cannot give Ms*** any information on her daughter's policy without her daughter's consent; however, we will tell you that the cancellation is in process and her refund will go out next week.We hope this information has been helpful to you and that you find we have acted in a fair and responsible manner. Please contact us if you have any questions, or require further information
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait until for the business to perform this action and, if it does, will consider this complaint
resolved
Regards,
*** ***
** *** *** ** *** *** *** *** *** *** ** *** *** *** ** *** *** *** *** *** ** *** *** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and find that this
resolution would be satisfactory to me. I will wait until for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** *** ***
We have received your correspondence and appreciate the opportunity to respondPlease find enclosed a copy of our letter to the above policyholder, *** ***Her policy was mailed to the writing agent, *** *** for delivery on April 23, Since she had not received
it, we sent a copy directly to her via *** todayShe will have it by 10:30 am tomorrow.We hope this information has been helpful to you and that you find we have acted in a fair and responsible mannerPlease contact us if you have any questions, or require further information
please see attached.RE: Complaint ID# ***Dear Conciliation & Engagement Specialist:Thank you for informing us of the situation and allowing us the opportunity to respond.We would like to apologize
for the actions of our agents towards Thomas ** L***. We have been in contact with Rayshana R*** overwriting agent, Chester A**, who will be instructing MsRichards to not contact MrL*** anymore and to remove him from our lists. Both of these agents are currently active with our company.We hope that this information is of assistance to you. If you need any additional information, or if we can be of further assistance, please contact us at 800-433-8181.Sincerly,Trevor W***Legal Department
Dear Sir or Madam: We received your letter of September 25, along with *** *** customer complaintWe appreciate the opportunity to respond to this matter*** *** responded to a television advertisement on September 8, His information was given to an agent on September
12th to contactWe have noted in our Responders Record to not contact *** *** and have informed the agent not to have any further contact with *** *** or anyone at that addressWe have also assigned a Direct Mail suppression with his name and address so that he would not receive any future mailingsThis was done on September 25th, the same day we received your correspondence. I can be reached by email at *** or by phone at our toll free number *** Sincerely,*** *** *** *** *** *** *** *** ***
To Whom It May Concern:Thank you for your recent requestWe can certainly understand MrM***frustration with the cancellation process.MrM*** called us to cancel his life insurance policy on August 22, 2016, at that timewe sent him the surrender/cancellation formSince he requested this
within the thirtydayright to examine period, once we receive the signed surrender/cancellation formback we will process any refund of premium paid.Unfortunately we must require that MrM*** sign the surrender/cancellation form toofficially cancel his policy; he had to sign to buy the policy, therefore he must sign tocancel it.Please let us know if you have any questions or if we can be of further assistance.Sincerely,Trevor W***Legal Department
Dear Dispute Resolution Consultant:Owner: *** ***We have received your correspondence and appreciate the opportunity to respondPlease find enclosed a copy of our letter to Mr*** as well as the detail of our refund check for $The only reason he received a bill was because
we stopped the automatic payments as a courtesy when he called on August 4, to request cancellation.If Mr*** were to send in any additional payments, we would be unable to apply them since his policy is cancelled and they would be returned to him.We hope this information has been helpful to you and that you find we have acted in a fail' and responsible matmerPlease contact us if you have any questions, or require further information
[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.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this...
resolution would be satisfactory to me. I will wait until for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
Michael C[redacted]
Upon receipt of your correspondence, we reviewed Ms. [redacted]'s complete file. She initially called our company on May 16, 2016, to request cancellation of her policy. At that time we immediately stopped drafting her monthly premiums from her bank account and sent her a cancellation...
form that she needed to sign and returned to cancel the policy. We received that form back with a signature that did not appear to match Ms. [redacted]'s signature on the original application so we sent another cancellation form with a request that she have her signature notarized. This request for a notarized signature is only made to protect our customers from having someone fraudulently sign their name.As requested, we have cancelled Ms. [redacted]'s policy. As a courtesy, we also refunded the premium payment that was drafted from her bank account the day before she called to cancel. A copy of the letter confirming the cancel and a copy of our refund check is attached. We do not feel that a full refund of premium is warranted as her policy was issued January 15,2016, so her 30 day review period was up in February. We have provided coverage in good faith and immediately stopped her automatic payments once she expressed her desire to cancel.We hope this information has been helpful to you and that you find we have acted in a fair and responsible manner. Please contact us if you have any questions, or require further information.Sincerely,Amanda S[redacted], ACS, ALMI Manager, Policyholder Service
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.
Received your letter dated June 1st yesterday. I checked my credit union yesterday and there was no withdrawal of funds. My letter dated June 6 explains what has transpired since my last one to you.Unbeknownst of my daughter I am enclosing copies of some of her information as she also has not received her refund. Could / would you please add her to the same complaint? She could use that money on another bill also. She does not have the time to notify you folks as she is working anywhere from 8 to almost 12 hours a day. She probably does not want you to know this but back in 2005-6 she almost died on me due to stress and upon return from the hospital she had to file bankruptcy.I will add here that neither one of us would be able to come to Phoenix for this case. My car (2001 Daewoo Leganza) is so old, not sold in the U.S. anymore, and getting harder and harder to find parts. My mechanic does not want me out of Rogers or Bentonville (they butt up to each other). You have my permission to contact him at: Tim's Automotive, 904 SE 21st Street, Bentonville, AR 72712 or phone: 479-273-7071. Rhonda could not because of her hours and no vacation time built up.
I am sorry that I have to send this second letter in regards to more screw-ups within your company. (First letter written on May 11 of this year.) I had requested my payments be near the middle of the month due to my receiving Social Security (my only income due to paying off my late husband's scams to keep his butt out of prison). As I stated in the first letter my premium was to be $29.52 / month. I called your company and requested that my policy be cancelled.Since that letter I have received TWO IDENTICAL POLICIES!!! These two policies state that my monthly premium was raised to $35.14. THEN, on June 1 st I receive two envelopes and my premium had been raised to $37.14!!! Is business so bad that you are raising premiums every month?? I then went to my credit union and had a stop payment issued. I would like to hear from YOU regarding this mess!! Enclosed you will find my signed cancellation form.
Regards,
[redacted]
I have not received any communication with Lincoln Heritage because their business practices are a mess. First, they never spoke with me before releasing my insurance policy to Mr M[redacted]. Second, I never received even the small $30 premium payment refund-- BECAUSE THE COMPANY IS WRITING TO A MICHELLE S[redacted] IN HOPKINS SC. This is insane- I have never lived in Hopkins SC. This person they sent the check to did not cash it because it was obviously sent to the wrong address. I have not seen the premium payment refund or the letter attached with it. If I had received that letter I would have known what was going on a long time ago. Mr M[redacted]s stole my policy and kept buying time by telling me one lie after the next- he really should be in jail for this. By the time I had figured out what was going on he had had the funds from my policy for well over 3 months. This is not my fault and I should not be suffering for it. I simply hired the man to bury my mom- he was paid in full nearly $10,000 for a simple funeral. Above this he then stole the second policy of $5,000. While I was burying my mom, I was not thinking anyone would be such an awful person to scam me. Honestly, I am very upset over the level of disrespect I have been shown by both parties. My mom paid for this policy for many years expecting it to be of some benefit to me. Because of the poor business practices of Lincoln Heritage and Meadows- they both have disrespected my mom in her death. Lincoln Heritage should correct this wrong doing by returning my money to me and having Meadows arrested. From what I have heard-- the guy has even had his hearst repossessed. I can only imagine the level of lies he told to his bank to get a loan for a funeral home. I am sure that karma will reach everyone that has disrespected my family in such a foul manner. But I could really use those funds right now- and I do not see a reason that I should have to accept this level of poor service.
[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.]
Revdex.com:
I have reviewed the response made by the business in reference...
to complaint ID 11857825, and find that this resolution would be satisfactory to me. I will wait until for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]
On behalff of myself and mother we do not accept there findings. They clearly stated that they did not feel that they needed additional information during the initial application process because my late father answered no to there...
questions. During the initial interview they may have not explained to him in layman's terms what was being asked. And I do feel like it should have been there responsibility to gather more information or review his medical records upon implementing this policy at that time not when he expired and there contesting a diagnosis of his lungs and kidneys. Clearly the death certificate states that he died from cardiac arrest. Also my mother Beatrice W[redacted] had given me permission to talk with this company on her behalf.
Lincoln Heritage Insurance Company has minimized this
complaint to “misspellings”. The
“misspellings” was brought up to support the incompetence of the Lincoln
Heritage Insurance Company representative that filled out the application. Why should the insurer be held responsible
for an...
application that was filled out by Lincoln Heritage Insurance
Company? If filled out by the applicant
there would have NOT been any missed information and or errors. Sometimes errors and omissions are not caught
in a review of the application. Walter
Taylor assumed that the verbal information given to the Lincoln Heritage
Insurance Company representative would be transferred to the application as
stated; in this case it was NOT.Lincoln Heritage Insurance Company is assuming that a person
would be ignorant enough to tell a lie on an application whereas the truth is
WELL documented. [redacted] informed
Lincoln Heritage Insurance Company representative of his drug habit. I stated habit because [redacted] was NOT in
treatment nor was he EVER diagnosed as a habitual drug user by a physician as the application
asked. [redacted] told the doctors
just as he told the Lincoln Heritage Insurance Company representative that he
was an active drug user. Lincoln Heritage Insurance Company told me ([redacted]) that they were
reviewing his medical records to obtain the day [redacted] first learned of his
Lung Cancer. [redacted] NEVER knew he had
cancer prior to filling out the application he never went to the doctor complaining
of any breathing problems prior to becoming insured. Lincoln Heritage Insurance Company indeed
returned the premiums but if they inquire they would know that the refund check
was never cashed for this claim that is still in dispute. Cashing that check would have been an indication
of an agreement, we ARE NOT in agreement.In closing Lincoln Heritage Insurance Company representative
misrepresented [redacted] on that application. Even though Lincoln Heritage
Insurance Company representative ignored Walter’s admission of being a habitual
drug user, the question of “In the past two (2) years, has the applicant been diagnosed with, been treated by a physician, or taken medication for any of the
following conditions:7. Alcohol or Drug abuse” was actually answered correctly as
the question stated.The application stated “SIGNIFICANT HEALTH CONDITION – If
the answer to any health question is “YES”, your death benefit will be modified”, it does not state eliminated
therefore there is NO reason to lie. It
is an insult to my brother Walter’s reputation (he was a drug user NOT a liar)
and mines to say that we lied on an application.
Thank you for sending this correspondence to our home office to inform us of the situation and allow us the opportunity to respond.On July 24, Lola S*** applied for a life insurance policy with Lincoln Heritage Life Insurance CompanyThe beneficiary is listed on the application as Michelle
*The insured, MsS*** passed on January 15, 2016, at that time the entire $face amount was owed, plus $a refund of premiumOn January 19,we received an "Assignment of proceeds" form for the amount of $which had been signed by the beneficiary, Michelle S***, and a death certification for the insured(Please note: the assignment of proceeds form is notarized.) The claim was processed that same day and the checks were mailed on January 20, One check was mailed to First Family Funeral Home (copy enclosed) for $5,and the other was mailed to MsS*** for $At that point our portion of the claim was complete and we had satisfied any and all responsibility to payIn the months following, starting in April 2016, the beneficiary advised us that she had not signed any assignment of proceeds form, per her request we sent a copy of the form to herWe also advised that she should contact local authorities to investigate the situation, and if we needed to provide any documents we would be happy to do so.The check for $that was mailed to the beneficiary was not cashed as per our most recent searchWe sent correspondence to her on August 3, to advise her of this unclaimed property and to allow us to reissue the checkCopies of all necessary correspondence enclosedWe hope that this information is of assistance to youIf you need any additional information, or if we can be of futher assistance, please contact us at ###-###-####Sincerely, Trevor W*** Legal Deptment
S
We have received your continued correspondence and appreciate the opportunity to respondPlease find enclosed a copy of our letter to the above policyholder, *** ***Her refund has been mailed.On the initial application for insurance the agent used standard rates in error rather than the modified death benefit rates she qualified forFor that reason, the premium was changed to $When we took the policy off of automatic bank draft, she no longer gets the discount so the rate would be $However, that point is moot since she cancelled the coverage.We cannot give Ms*** any information on her daughter's policy without her daughter's consent; however, we will tell you that the cancellation is in process and her refund will go out next week.We hope this information has been helpful to you and that you find we have acted in a fair and responsible manner. Please contact us if you have any questions, or require further information
Hi,Attached please find our response. Thank you.Trevor W***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait until for the business to perform this action and, if it does, will consider this complaint
resolved
Regards,
*** ***
Attached please find our response.Thank you. Trevor W***
** *** *** ** *** *** *** *** *** *** ** *** *** *** ** *** *** *** *** *** ** *** *** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and find that this
resolution would be satisfactory to me. I will wait until for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** *** ***
We have received your correspondence and appreciate the opportunity to respondPlease find enclosed a copy of our letter to the above policyholder, *** ***Her policy was mailed to the writing agent, *** *** for delivery on April 23, Since she had not received
it, we sent a copy directly to her via *** todayShe will have it by 10:30 am tomorrow.We hope this information has been helpful to you and that you find we have acted in a fair and responsible mannerPlease contact us if you have any questions, or require further information
please see attached.RE: Complaint ID# ***Dear Conciliation & Engagement Specialist:Thank you for informing us of the situation and allowing us the opportunity to respond.We would like to apologize
for the actions of our agents towards Thomas ** L***. We have been in contact with Rayshana R*** overwriting agent, Chester A**, who will be instructing MsRichards to not contact MrL*** anymore and to remove him from our lists. Both of these agents are currently active with our company.We hope that this information is of assistance to you. If you need any additional information, or if we can be of further assistance, please contact us at 800-433-8181.Sincerly,Trevor W***Legal Department
Dear Sir or Madam: We received your letter of September 25, along with *** *** customer complaintWe appreciate the opportunity to respond to this matter*** *** responded to a television advertisement on September 8, His information was given to an agent on September
12th to contactWe have noted in our Responders Record to not contact *** *** and have informed the agent not to have any further contact with *** *** or anyone at that addressWe have also assigned a Direct Mail suppression with his name and address so that he would not receive any future mailingsThis was done on September 25th, the same day we received your correspondence. I can be reached by email at *** or by phone at our toll free number *** Sincerely,*** *** *** *** *** *** *** *** ***
To Whom It May Concern:Thank you for your recent requestWe can certainly understand MrM***frustration with the cancellation process.MrM*** called us to cancel his life insurance policy on August 22, 2016, at that timewe sent him the surrender/cancellation formSince he requested this
within the thirtydayright to examine period, once we receive the signed surrender/cancellation formback we will process any refund of premium paid.Unfortunately we must require that MrM*** sign the surrender/cancellation form toofficially cancel his policy; he had to sign to buy the policy, therefore he must sign tocancel it.Please let us know if you have any questions or if we can be of further assistance.Sincerely,Trevor W***Legal Department
Dear Dispute Resolution Consultant:Owner: *** ***We have received your correspondence and appreciate the opportunity to respondPlease find enclosed a copy of our letter to Mr*** as well as the detail of our refund check for $The only reason he received a bill was because
we stopped the automatic payments as a courtesy when he called on August 4, to request cancellation.If Mr*** were to send in any additional payments, we would be unable to apply them since his policy is cancelled and they would be returned to him.We hope this information has been helpful to you and that you find we have acted in a fail' and responsible matmerPlease contact us if you have any questions, or require further information
[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.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this...
resolution would be satisfactory to me. I will wait until for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
Michael C[redacted]
Upon receipt of your correspondence, we reviewed Ms. [redacted]'s complete file. She initially called our company on May 16, 2016, to request cancellation of her policy. At that time we immediately stopped drafting her monthly premiums from her bank account and sent her a cancellation...
form that she needed to sign and returned to cancel the policy. We received that form back with a signature that did not appear to match Ms. [redacted]'s signature on the original application so we sent another cancellation form with a request that she have her signature notarized. This request for a notarized signature is only made to protect our customers from having someone fraudulently sign their name.As requested, we have cancelled Ms. [redacted]'s policy. As a courtesy, we also refunded the premium payment that was drafted from her bank account the day before she called to cancel. A copy of the letter confirming the cancel and a copy of our refund check is attached. We do not feel that a full refund of premium is warranted as her policy was issued January 15,2016, so her 30 day review period was up in February. We have provided coverage in good faith and immediately stopped her automatic payments once she expressed her desire to cancel.We hope this information has been helpful to you and that you find we have acted in a fair and responsible manner. Please contact us if you have any questions, or require further information.Sincerely,Amanda S[redacted], ACS, ALMI Manager, Policyholder Service
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.
Received your letter dated June 1st yesterday. I checked my credit union yesterday and there was no withdrawal of funds. My letter dated June 6 explains what has transpired since my last one to you.Unbeknownst of my daughter I am enclosing copies of some of her information as she also has not received her refund. Could / would you please add her to the same complaint? She could use that money on another bill also. She does not have the time to notify you folks as she is working anywhere from 8 to almost 12 hours a day. She probably does not want you to know this but back in 2005-6 she almost died on me due to stress and upon return from the hospital she had to file bankruptcy.I will add here that neither one of us would be able to come to Phoenix for this case. My car (2001 Daewoo Leganza) is so old, not sold in the U.S. anymore, and getting harder and harder to find parts. My mechanic does not want me out of Rogers or Bentonville (they butt up to each other). You have my permission to contact him at: Tim's Automotive, 904 SE 21st Street, Bentonville, AR 72712 or phone: 479-273-7071. Rhonda could not because of her hours and no vacation time built up.
I am sorry that I have to send this second letter in regards to more screw-ups within your company. (First letter written on May 11 of this year.) I had requested my payments be near the middle of the month due to my receiving Social Security (my only income due to paying off my late husband's scams to keep his butt out of prison). As I stated in the first letter my premium was to be $29.52 / month. I called your company and requested that my policy be cancelled.Since that letter I have received TWO IDENTICAL POLICIES!!! These two policies state that my monthly premium was raised to $35.14. THEN, on June 1 st I receive two envelopes and my premium had been raised to $37.14!!! Is business so bad that you are raising premiums every month?? I then went to my credit union and had a stop payment issued. I would like to hear from YOU regarding this mess!! Enclosed you will find my signed cancellation form.
Regards,
[redacted]
I have not received any communication with Lincoln Heritage because their business practices are a mess. First, they never spoke with me before releasing my insurance policy to Mr M[redacted]. Second, I never received even the small $30 premium payment refund-- BECAUSE THE COMPANY IS WRITING TO A MICHELLE S[redacted] IN HOPKINS SC. This is insane- I have never lived in Hopkins SC. This person they sent the check to did not cash it because it was obviously sent to the wrong address. I have not seen the premium payment refund or the letter attached with it. If I had received that letter I would have known what was going on a long time ago. Mr M[redacted]s stole my policy and kept buying time by telling me one lie after the next- he really should be in jail for this. By the time I had figured out what was going on he had had the funds from my policy for well over 3 months. This is not my fault and I should not be suffering for it. I simply hired the man to bury my mom- he was paid in full nearly $10,000 for a simple funeral. Above this he then stole the second policy of $5,000. While I was burying my mom, I was not thinking anyone would be such an awful person to scam me. Honestly, I am very upset over the level of disrespect I have been shown by both parties. My mom paid for this policy for many years expecting it to be of some benefit to me. Because of the poor business practices of Lincoln Heritage and Meadows- they both have disrespected my mom in her death. Lincoln Heritage should correct this wrong doing by returning my money to me and having Meadows arrested. From what I have heard-- the guy has even had his hearst repossessed. I can only imagine the level of lies he told to his bank to get a loan for a funeral home. I am sure that karma will reach everyone that has disrespected my family in such a foul manner. But I could really use those funds right now- and I do not see a reason that I should have to accept this level of poor service.
Hi,Attached please find our response.Trevor W[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.]
Revdex.com:
I have reviewed the response made by the business in reference...
to complaint ID 11857825, and find that this resolution would be satisfactory to me. I will wait until for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]
On behalff of myself and mother we do not accept there findings. They clearly stated that they did not feel that they needed additional information during the initial application process because my late father answered no to there...
questions. During the initial interview they may have not explained to him in layman's terms what was being asked. And I do feel like it should have been there responsibility to gather more information or review his medical records upon implementing this policy at that time not when he expired and there contesting a diagnosis of his lungs and kidneys. Clearly the death certificate states that he died from cardiac arrest. Also my mother Beatrice W[redacted] had given me permission to talk with this company on her behalf.
To Whom It May Concern,Our response has been faxed, for some reason we are unable to upload the document.Thank you.T[redacted]
Lincoln Heritage Insurance Company has minimized this
complaint to “misspellings”. The
“misspellings” was brought up to support the incompetence of the Lincoln
Heritage Insurance Company representative that filled out the application. Why should the insurer be held responsible
for an...
application that was filled out by Lincoln Heritage Insurance
Company? If filled out by the applicant
there would have NOT been any missed information and or errors. Sometimes errors and omissions are not caught
in a review of the application. Walter
Taylor assumed that the verbal information given to the Lincoln Heritage
Insurance Company representative would be transferred to the application as
stated; in this case it was NOT.Lincoln Heritage Insurance Company is assuming that a person
would be ignorant enough to tell a lie on an application whereas the truth is
WELL documented. [redacted] informed
Lincoln Heritage Insurance Company representative of his drug habit. I stated habit because [redacted] was NOT in
treatment nor was he EVER diagnosed as a habitual drug user by a physician as the application
asked. [redacted] told the doctors
just as he told the Lincoln Heritage Insurance Company representative that he
was an active drug user. Lincoln Heritage Insurance Company told me ([redacted]) that they were
reviewing his medical records to obtain the day [redacted] first learned of his
Lung Cancer. [redacted] NEVER knew he had
cancer prior to filling out the application he never went to the doctor complaining
of any breathing problems prior to becoming insured. Lincoln Heritage Insurance Company indeed
returned the premiums but if they inquire they would know that the refund check
was never cashed for this claim that is still in dispute. Cashing that check would have been an indication
of an agreement, we ARE NOT in agreement.In closing Lincoln Heritage Insurance Company representative
misrepresented [redacted] on that application. Even though Lincoln Heritage
Insurance Company representative ignored Walter’s admission of being a habitual
drug user, the question of “In the past two (2) years, has the applicant been diagnosed with, been treated by a physician, or taken medication for any of the
following conditions:7. Alcohol or Drug abuse” was actually answered correctly as
the question stated.The application stated “SIGNIFICANT HEALTH CONDITION – If
the answer to any health question is “YES”, your death benefit will be modified”, it does not state eliminated
therefore there is NO reason to lie. It
is an insult to my brother Walter’s reputation (he was a drug user NOT a liar)
and mines to say that we lied on an application.