We originally received this complaint from the [redacted]. I have attached the response we sent them. The Complaint # was the same as this one.If you need further information, please let us know. Sally R[redacted]Manager/Compliance DepartmentLincoln Heritage Life Insurance Company
To whom it may concern;Thank you for forwarding the information to us on the above referenced complaint. We appreciate the opportunity to respond as our company takes great pride in keeping our promises, and we provide excellent customer service that is unmatched in the insurance industry.Because...
Mr. V[redacted] passed away within the contest ability period of the policy the company reviewed medical records to verify the information given on the application for insurance. According to the medical records it appeared that there was a material misrepresentation made by the applicant. With the information we had we were unable to justify payment of the claim. Therefore, a full refund of premiums appears to be the appropriate action regarding this claim. Please note no premiums were deducted after notification of death. All premiums deducted from Mr. V[redacted]'s account will be refunded in full.As we previously advised Ms. R[redacted], should she have any information from Mr.V[redacted]'s physicians to show that the medical records were inaccurate or that would allow us to reconsider our decision she can always submit them for review.We hope this information is of assistance to you. Please feel free to contact me with any further questions regarding contestability or regarding the claims process at 800-433-8181.Sincerely. Beth M[redacted] Manager
This company has caused more issues than what they are worth.I spoke to a lawyer regarding the hand writing experts that they ate and they can not , repeat can nor tell some one that their signature does not meet their experts knowledge. No company had the right to do what they did.Their manager that I last talked with could have cared less what I was saying and had the phone down on her desk.I heard this so called mabagel pick up the phone every time she had to make a response. Besides the 96.00 that supposedly sent, I want the other two months reimbursed as well.Tina [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 [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,
Carol O[redacted]
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. I also received the $201.80 on 08/16/16. $190.00 before the $201.80.
Regards,
Maria A[redacted]
As explained in our original response, we immediately stopped the automatic bank drafts and sent a cancellation form when Ms. [redacted] contacted us to cancel on May 16, 2016. We are enclosing copies of each of the cancellation forms Ms. [redacted] signed and returned to us, one on May 18,2016 and one on May 31,2016. As a courtesy, we refunded the May payment that was drafted before she called us.We do not feel that any futther refund of premium is warranted as her 30 day review period expired several months before she contacted us. We provided coverage in good faith and had we processed the original cancellation form she signed on May 16, 2016, she still would not have qualified for any further refund.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 futther information.Sincerely,Amanda S[redacted], ACS, ALMI Manager, Policyholder Service
Hi,Please find our response attached.Thank you. Trevor W[redacted] To Whom It May Concern:We received the aforementioned complaint this morning, and we immediately called Ms. [redacted] to get her mother's name and address so that we could suppress her data from our mailing lists.We have...
informed our new business area to suppress the following name and address from our mailing lists.[redacted] [redacted]
We have also verbally informed Ms. [redacted] what to expect from this suppression. The following outline will explain our verbal information to Ms. [redacted] of this process.• Response to Revdex.com that we were suppressing Ms. [redacted] data• Letter from Lincoln Heritage Life Insurance Company confirming suppression sometime next week.• Explained that removal from all lists can take a period of time, but the process would be initiated today.• Save any further mailings received so that we can get coding off of the mailer to make sure suppressions continue working.We hope this has resolvedthis matter for Ms. [redacted].We offer our condolences on her loss of her mother, and for the inconvenience our mailers caused. ...⇄ Please let us know if you need anything further.
We are in receipt of the follow-up correspondence from Ms. Michelle S[redacted] We would agree with her that this dispute is not resolved. It appears that the only way to resolve this matter would be to pay Ms. S[redacted] the death benefit again. Lincoln Heritage Life Insurance Company has paid the funeral home that provided services to bury Ms. Lola S[redacted]. The death certificate confirms that. We received a notarized assignment (previously sent) indicating that we were to pay to the funeral home [redacted]). We apologize that we sent the refund of premium to the incorrect address, but it wasn't our intent to not pay the refund of premium to Ms. S[redacted]. We have instructed our accounting department today to resend the $32.73 payment to the correct address. That check should go out on Monday. Ms. Winfield, I attach a copy of our policy notepad report for this policy. We have repeatedly explained our position to Ms. S[redacted]. She even asked us to just write off the extra payment as a charitable contribution. I told her that we couldn't do that. We have instructed Ms. [redacted] that we believe her complaint is actually with the funeral home and not Lincoln Heritage Life Insurance Company. We have been told that a police investigation is under way, and we even volunteered to assist law enforcement anyway that we could. In your letter, you state that if we choose not to reconsider our position, your report with the Revdex.com may be changed to reflect this as an unresolved complaint. There is no way that we can justify repaying the claim that buried Ms. Lola S[redacted] once again. We are sorry that Ms. S[redacted] is upset, but we processed the claim according to the paper work received. Please let us know if you have any questions concerning this matter. Sincerely,Y. Keit P[redacted], JD, FLMI , FLHC [redacted]
On February 17, 2016 we faxed our reply to you to fax number [redacted] For your convenience I have attached the response to this request.Please let us know if you need any further information.Thank you
We originally received this complaint from the [redacted]. I have attached the response we sent them. The Complaint # was the same as this one.If you need further information, please let us know. Sally R[redacted]Manager/Compliance DepartmentLincoln Heritage Life Insurance Company
To whom it may concern;Thank you for forwarding the information to us on the above referenced complaint. We appreciate the opportunity to respond as our company takes great pride in keeping our promises, and we provide excellent customer service that is unmatched in the insurance industry.Because...
Mr. V[redacted] passed away within the contest ability period of the policy the company reviewed medical records to verify the information given on the application for insurance. According to the medical records it appeared that there was a material misrepresentation made by the applicant. With the information we had we were unable to justify payment of the claim. Therefore, a full refund of premiums appears to be the appropriate action regarding this claim. Please note no premiums were deducted after notification of death. All premiums deducted from Mr. V[redacted]'s account will be refunded in full.As we previously advised Ms. R[redacted], should she have any information from Mr.V[redacted]'s physicians to show that the medical records were inaccurate or that would allow us to reconsider our decision she can always submit them for review.We hope this information is of assistance to you. Please feel free to contact me with any further questions regarding contestability or regarding the claims process at 800-433-8181.Sincerely. Beth M[redacted] Manager
Attached is our response.Thank you.Trevor W[redacted]
This company has caused more issues than what they are worth.I spoke to a lawyer regarding the hand writing experts that they ate and they can not , repeat can nor tell some one that their signature does not meet their experts knowledge. No company had the right to do what they did.Their manager that I last talked with could have cared less what I was saying and had the phone down on her desk.I heard this so called mabagel pick up the phone every time she had to make a response. Besides the 96.00 that supposedly sent, I want the other two months reimbursed as well.Tina [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 [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,
Carol O[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 [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. I also received the $201.80 on 08/16/16. $190.00 before the $201.80.
Regards,
Maria A[redacted]
As explained in our original response, we immediately stopped the automatic bank drafts and sent a cancellation form when Ms. [redacted] contacted us to cancel on May 16, 2016. We are enclosing copies of each of the cancellation forms Ms. [redacted] signed and returned to us, one on May 18,2016 and one on May 31,2016. As a courtesy, we refunded the May payment that was drafted before she called us.We do not feel that any futther refund of premium is warranted as her 30 day review period expired several months before she contacted us. We provided coverage in good faith and had we processed the original cancellation form she signed on May 16, 2016, she still would not have qualified for any further refund.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 futther information.Sincerely,Amanda S[redacted], ACS, ALMI Manager, Policyholder Service
Hi,Please find our response attached.Thank you. Trevor W[redacted] To Whom It May Concern:We received the aforementioned complaint this morning, and we immediately called Ms. [redacted] to get her mother's name and address so that we could suppress her data from our mailing lists.We have...
informed our new business area to suppress the following name and address from our mailing lists.[redacted] [redacted]
We have also verbally informed Ms. [redacted] what to expect from this suppression. The following outline will explain our verbal information to Ms. [redacted] of this process.• Response to Revdex.com that we were suppressing Ms. [redacted] data• Letter from Lincoln Heritage Life Insurance Company confirming suppression sometime next week.• Explained that removal from all lists can take a period of time, but the process would be initiated today.• Save any further mailings received so that we can get coding off of the mailer to make sure suppressions continue working.We hope this has resolvedthis matter for Ms. [redacted].We offer our condolences on her loss of her mother, and for the inconvenience our mailers caused. ...⇄ Please let us know if you need anything further.
Please find out response attached.Thank youTrevor W[redacted]
We are in receipt of the follow-up correspondence from Ms. Michelle S[redacted] We would agree with her that this dispute is not resolved. It appears that the only way to resolve this matter would be to pay Ms. S[redacted] the death benefit again. Lincoln Heritage Life Insurance Company has paid the funeral home that provided services to bury Ms. Lola S[redacted]. The death certificate confirms that. We received a notarized assignment (previously sent) indicating that we were to pay to the funeral home [redacted]). We apologize that we sent the refund of premium to the incorrect address, but it wasn't our intent to not pay the refund of premium to Ms. S[redacted]. We have instructed our accounting department today to resend the $32.73 payment to the correct address. That check should go out on Monday. Ms. Winfield, I attach a copy of our policy notepad report for this policy. We have repeatedly explained our position to Ms. S[redacted]. She even asked us to just write off the extra payment as a charitable contribution. I told her that we couldn't do that. We have instructed Ms. [redacted] that we believe her complaint is actually with the funeral home and not Lincoln Heritage Life Insurance Company. We have been told that a police investigation is under way, and we even volunteered to assist law enforcement anyway that we could. In your letter, you state that if we choose not to reconsider our position, your report with the Revdex.com may be changed to reflect this as an unresolved complaint. There is no way that we can justify repaying the claim that buried Ms. Lola S[redacted] once again. We are sorry that Ms. S[redacted] is upset, but we processed the claim according to the paper work received. Please let us know if you have any questions concerning this matter. Sincerely,Y. Keit P[redacted], JD, FLMI , FLHC [redacted]
On February 17, 2016 we faxed our reply to you to fax number [redacted] For your convenience I have attached the response to this request.Please let us know if you need any further information.Thank you