Globe Life and Accident Insurance Company Reviews (%countItem)
Globe Life and Accident Insurance Company Rating
Address: 204 N Robinson Ave, Oklahoma City, Oklahoma, United States, 73102-7001
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I had a small problem with one of my policies and I needed to add an additional 8 policies.While speaking with one of Globe Lifes' customer service reps all was taken care of in a short period of time. They were knowledgeable and courteous. Most of all they listened attentively. I was very pleased.
We appreciate Ms. Bowers' comments in her review. Globe Life strives to provide excellent Customer Service to our customers and policyholders. Ms. Bowers can be assured that our Customer Service Department is happy to help her at any time with her policies and we are very glad that she chose Globe Life to meet her insurance needs.
Possible sales practice of falsifying information to get sales.
In response to a web search Globe rep called me offering $25000 Whole Life for $24.30. I accepted and gave my banking information for auto draft. I gave DOB 2/8/62. Agent entered DOB 2/8/94. On 1/11/18 I called to have this corrected and resolution specialist Victor said I could get $20000 for about $24.00. Said he would submit correct and I would receive a correct notice in the mail with new information. 2/12/18 received mailing billing $61.54 for $25000 of Whole Life Ins. Spoke to Ruben on 2/13/18 who said Globe would not honor the quotes I was given.
Honor the quote give by their representive.
Contact Name and Title: Cheri *** Paralegal
Contact Email: ***@torchmarkcorp.com
On 12/20/17, Globe Life received an application for $25,000.00 insurance coverage on the life of ***. The application was received electronically from Matrix Direct, which is one of Globe Life's third-party agents.
The application information that Globe Life received from Matrix Direct reflected Ms. date of birth as 02/08/94. Ms. policy *** was issued effective 12/22/17 in the amount of $25,000.00 with an issue age of 23, based on the application.
Ms. states in her complaint that the agent offered her a $25,000.00 whole life policy. However, the application information received from Matrix Direct was for term life coverage. Policy *** is a term life policy.
After receiving the policy, Ms. contacted Globe Life stating her date of birth was incorrect. On 01/25/18, our records were changed to reflect Ms. correct date of birth, which is 02/08/62. Since Ms. is actually 32 years older than what was reported on the application, her premium rate is more than it was at the reported issue age of 23 ($61.54 versus $24.30 per month).
Ms. alleges in her complaint that the agent entered her birthdate incorrectly. According to Matrix Direct, however, the "Lead Form" that Ms. filled out online indicated her date of birth was 02/08/94. This form prompted the lead generator to contact Ms. by telephone, at which time she was transferred to an agent at Matrix Direct. The agent that spoke with Ms. on 12/20/17 did not verify the date of birth on the lead form before proceeding with providing her a quote for $25,000.00 life insurance coverage.
Ms. is demanding that Globe Life honor the premium amount quoted by the Matrix Direct agent. However, the rate quote provided by the agent was correct, based on the date of birth reflected on the lead card submitted by Ms.. Globe Life will be happy to assist Ms. in making her premiums more affordable by reducing the face amount of the policy. However, we cannot give her $25,000.00 policy at the premium rate for a 23 year old.
I trust this information is responsive to your inquiry. If you should have any questions, please contact me via email.
(The consumer indicated he/she DID NOT accept the response from the business.)
I request that the company present the lead showing that I enter a DOB of 1994. I am sure I did not enter this year.
Attached is a letter from AIG Direct Insurance Services (formerly Matrix Direct), verifying the year of birth that was entered into the lead generator.
Please contact me via email should you have any questions.
(The consumer indicated he/she DID NOT accept the response from the business.)
You accept their claim over what I told you I entered. So they will continue this practice. Thank you.
Globe Life Ins. acknowledges I either had or was supposed to have Whole Life Ins. from 2008 in Email, but has not fixed despite prev promises to do so
Good afternoon Globe Life and Accident Insurance, LaToya and all concerned parties,
Thank you for getting back to me! I am confused on a few things here. Please see the previous response from Cassie,one of your colleagues, employees. It states here message from Cassie >>> I am showing that on 11/5/2013 you made a conversion change on your policy. You changed the policy from whole to term. Are you requesting that it be changed back? and now message from you only after I show your company how I could not have possibly requested my policy to be converted from whole to Term Life Ins contradictory please see here from you >>> I am sorry for any inconvenience this has caused you.According to our records this policy was issued as a term life policy I show that we did send you out conversion paperwork but unfortunately im not showing that we received the paperwork back for the changes to be made. If we can be of any further assistance, please do not hesitate to contact us at XXX-XXX-XXXX.
I have not to date received any paperwork to do a conversion on my Policy. I did however receive an application for life insurance on November 15, 2013 that states right on it Life Insurance Application for ***, an enrollment for Life Insurance to which I again called your company and spoke with Robbie who again assured me this would be corrected but first they would have to investigate what and how this happened, but guaranteed me this would be corrected. You cannot tell me here in the below that your records show that I had Whole Life insurance, a clear admission and acknowledgement that I applied for the Whole Life Insurance and that something is not right. I have been going through all of my records and will continue to do so, knowing how I save and document everything.
I have already faxed your company proof positive of that card thing I received in the mail, showing it stating rates are based on current age and are guaranteed for the life of the policy, which again we both know is a Whole Life Policy. LaToya I understand people make mistakes and things happen but when it is acknowledged the right thing to do is correct it. Your company already did a conversion without my permission and or knowledge until I received the increase in my premium to which we all know I have been calling and now emailing ever since it came to my attention.
I have also done everything in my power to get your company to fix this, rightfully so without involving outside sources but am now drawing at my last wits end. Again, no matter what or how it happened your company acknowledges I should have had Whole life Insurance from day one. It seems to me that your company sends out these offers for life insurance on the card things and then just either gives them the term Life Insurance or switches them/us over with no one being the wiser until we receive the increase in our bill to which I find very deceptive. I am asking you Globe Life and Accident Insurance Company to please fix this and convert me back to my original Whole Life Insurance at my original cost of $422.10 per year, again already being that you acknowledged in the below your records showing I indeed had this. I am more than willing to do a conversion back to Whole Life Insurance with you sending me an updated Policy reflecting bot the Whole Life as well as my yearly cost based on the age of 46 years old. Please send me this corrected prompt as promised way back when on November 5, 2013 and again on November 15, 2013. Please know this; you cannot say one thing, acknowledging that I either had or was supposed to have Whole Life Insurance as again stated in the below message from Cassie and then when convenient and what you think is to your advantage change it, stating your records show I have always had term Life, again contradictory! I am asking you again to please do the right and just thing in changing me back to Whole Life Insurance, reflection my original locked in price of $422.10
I want my Whole Life Insurance Policy as I should have and applied for, was accepted for from the very beginning back in 2008 and has already been acknowledged by Globe Life Insurance that I either had or was supposed to have from the very beginning as already stipulated in the email with them telling me their records show I had Whole Life Insurance but converted this back in 2013. I never ever requested a conversion to which this company has no request and or signature in writing from me for this either. I want my whole life insurance policy back as again they know for a fact I applied for and was initially accepted for without anymore delays with a new policy reflecting this updated and corrected policy!
Contact Name and Title: Cheri *** Paralegal
Contact Email: ***@torchmarkcorp.com
Attached is a copy of the application for insurance coverage dated 11/06/2008 which was submitted by ***. There is a source code on the back-side of the application - ABE8SL8812 - which indicates it is for term life insurance coverage.
Also attached is a copy of Ms. term life policy, which was issued effective 11/19/2008 in the amount of $50,000.00. The policy clearly indicates it is term life coverage. References to term life coverage have been highlighted for your convenience. Ms. purchased term life coverage. This has never been a whole life policy.
Ms. policy does include a Conversion provision, which allows her to convert the term life policy to whole life coverage, providing certain criteria are met (see the Conversion provision on page 3 of the policy). According to our records, a conversion application was sent to Ms. on 11/15/2013 (copy enclosed). However, we have no record of ever receiving the completed application back from Ms.. Thus, the policy was never converted to whole life coverage.
I have asked Policy Services to send Ms. a new conversion application. If Ms. wishes to convert her current term life policy to whole life coverage, she *** need to complete the conversion application and return it for processing.
I trust this information is responsive to your inquiry. If you should have any questions, please contact me directly.
(The consumer indicated he/she DID NOT accept the response from the business.)
Please find attached email correspondences between Globe Life and Accident Ins ins. and myself also sent to Revdex.com via email. ***@verizon.netHide
To ***@torchmarkcorp.com
Cc complaints ***@nctx.Revdex.com.org, jpaskell1990 ***@verizon.net
Slideshow
That is not a problem. I *** wait to hear back from you! Thank you! ***
Original Message
From: Cheri Lawhon
To: ***
Sent: Wed, Feb 7, XXXX X:XX am
Subject: RE: Ref Number: *** Re: Contact Message from theGlobeLife Site Reason: CustomerService-00YXXXXXX
I am in receipt of your email and *** respond back to you within 10 business days.
From: *** mailto:***@verizon.net
Sent: Tuesday, February 06, XXXX X:XX PM
To: ***
Cc: ***@verizon.net; ***@nctx.Revdex.com.org
Subject: Re: Ref Number: *** Re: Contact Message from theGlobeLife Site Reason: CustomerService-00YXXXXXX
Ms, Clawhon,
I just had the opportunity to read over the questionnaire you sent me attached to this email and you are correct, no where on it does it state it is for Whole or Term life insurance because had it stated Term I would have immediately called the company an told them that is not what I applied for meaning the term. If you look over the copies of many of the card applications I have attached to not only previous emails directly sent to your company but too in my complaint to the Revdex.com you *** notice right on it to where is states right on it Rates are based on your current age and are guaranteed for the life of the policy which you and I both know is not term life insurance, but instead Whole life insurance. Your company way back from the beginning sent me out the wrong policy and they know it, just as they know from the very first increase I received I have been calling them to fix this and they have time and again not only acknowledged the error but promised to fix it once they finished looking into it with an investigation into how this happened. Also, I have told you and your company numerous times as a matter of fact to date I have never received any paperwork to do a convergence. I swear this under oath with God by my side this is all true! No matter how this happened your company had definitely already acknowledged in writing via email as well as over the phone that I either had or was supposed to have Whole Life insurance from back in 2008 which I have also sent you and Revdex.com, proof positive. I have copies of these card applications saved from dating back to 1999 and every single one of them right up to 2018 show the same exact thing; Rates are based on your current age and are guaranteed for the life of the policy. Your company knew then and knows now that is exactly what I sent in at the time of applying for this, with no other means of applying at that time, except through that paper application, so again if they sent me out that paperwork you attached to this email showing no mention of what type of insurance that is and me trusting your company to act in a honest manner that it is as stating on the original application I submitted as sent to you and Revdex.com in an upload then it is your job to honor this and give me back my Whole Life Insurance as promised me time and again, dating back to 2008. I have been calling your company with promise after promise to fix this! Also, please take note the only thing your company continues to send me is a fresh application for term life insurance and or Life insurance for Grand Children to which I have also kept each and every one of them and uploaded the one sent me from back in 2013 and can and *** upload copies of the recent ones also received in place of, instead of the paperwork to actually complete the conversion dating me back to 2008. Please send me the application to do the conversion dating back to 2008 and I *** gladly sign it. You may even upload it to this email and I *** print it out. Again your company knows they did not treat me right and gave me what I had no knowledge of due to its lack of statements and clarity, in spite of what I actually applied for so again Ms. Clawhon I am asking you in all honesty and fairness to switch me back to what I originally applied for, my Whole Life Insurance. I very much appreciate you switching me back to my Whole Life Insurance again as promised me numerous times as well as evidently acknowledged through emails by your company! *** S. ***
Original Message
From: Cheri Lawhon
To: ***
Sent: Tue, Feb 6, XXXX XX:XX am
Subject: RE: Ref Number: *** Re: Contact Message from theGlobeLife Site Reason: CustomerService-00YXXXXXX
Ms.,
A copy of the application was included as an attachment to my response to the Revdex.com. Another copy is attached, per your request. The application itself does not indicate it is for term life coverage; however, the source code on the back-side of the application indicates to our New Business Department that it was part of a direct mail advertisement for term life coverage. The Policy Description in the direct mail advertisement also clearly states it is term life coverage.
I cannot speak for any of our customer service representatives who may have incorrectly advised you that Globe Life made a mistake when the Company originally issued you a term life policy. However, I did bring these allegations to the attention of management in our Customer Service Department for further review and corrective action. Globe Life did not make a mistake when originally issuing you a term life policy. The term life coverage was issued based on the application that you submitted to Globe Life in 2008.
We do understand that you don't want term life coverage. That is why we sent you a conversion application for whole life coverage in November 2013 and again just recently. In order to convert your policy to whole life coverage, all you have to do is complete the application and return it to Globe Life. Upon receipt, the coverage *** be converted and you *** be sent a new whole life policy.
If you should have any questions in the meantime, please contact me via email.
From: *** mailto:***@verizon.net
Sent: Monday, February 05, XXXX XX:XX PM
To: Cheri Lawhon
Cc: ***@verizon.net
Subject: Ref Number: *** Re: Contact Message from theGlobeLife Site Reason: CustomerService-00YXXXXXX
Good afternoon Ms. Cheri Lawhon,
Please see in the below my response on the Revdex.com.org website as well as a copy of all emails sent between myself and your company. Also please take note: I would very much appreciate seeing a copy of the original application you state I signed at the time of requesting my Policy. Ms. Lawhon I am a very fair and honest person and would not be forcing this case if there were to Merit to it. I know from your companies own previous admissions that you know I either had or was supposed to have Whole Life Insurance from the start. I also know people make mistakes but when we do we admit it gracefully and then correct it and that is all I am respectfully asking you to do, rightfully so. Please see below my response to the Revdex.com. Thank you in advance, *** S.
Attached is a copy of the letter that was sent to Ms. on this date via email.
Please contact me via email should you have any questions.
(The consumer indicated he/she DID NOT accept the response from the business.)
RESPONSE REBUTTLE TO GLOBE LIFE AND ACCIDENT INSURANCE, PAPRALEGAL CHERI LAWHON
I *** S. *** do hereby make this my statements of facts under oath to the best of my ability on this 20th Day of February in the Year 2018
1. In the year 2008 I *** S. *** sent in a paper card type application for life insurance, believing and trusting at the time it was to be for Whole Life Insurance due to the facts that all of the paper card applications stated right on them "rates are based on your current age and are guaranteed for the life of the policy.
2. I have numerous copies saved over the years of these same exact paper card applications all stating the same facts dating all of the way back to 1999 as uploaded and submitted to not only Ms. Lawhon, Globe Life and Accident Insurance but too the Revdex.com showing this fact.
3. According to Ms. Lawhon's statement on February 6, 2018 Ms. Lawhon's own admission in so far as stating : The application itself does not indicate it is for term life coverage; however, the source code on the back-side of the application indicates to our New Business Department that it was part of a direct mail advertisement also clearly states it is term life insurance How can a direct mailing per your own statement here not indicate it is for term life coverage with nothing but a source code on the back-side of the application and at the same time you stating in so far as saying in the last part of that paragraph the Policy Description in the mail advertisement clearly states it is term life coverageI am showing that on 11/5/2013 you made a conversion change on your policy. You changed it from Whole to Term. Are you requesting it be changed back? >ME Emphasizing< There is no way for anything to show unless and or accept through Globe Life and Accident Insurances Records, My Records. I did not call to do a conversion but instead for this to be corrected. It was not *** S. *** who made this conversion but instead Globe Life and Accident Insurance who made this Conversion without my knowledge or permission as shown through their own admissions.
9. On February 6, 2018 Ms. C. Lawhon stated I cannot speak for any of our customer service representatives who may have incorrectly advised you that Globe Made a mistake when the company issued you a term life insurance policy, which may be true to a very small degree only in so far as speaking for the representative. The Representative spoke according to again as stating what was showing in the records, no error there! A person cannot make a mistake on what they are seeing right in front of them at that time! Again in so far as Statement of Facts: I AM SHOWING
10. On November 16, 2017 I responded to Cassie not only stating but showing her I did not make any conversion, never ever received any application to do a conversion up to that date wherefore never requesting to change my policy from Whole Life to Term Life Insurance, faxing proof positive with Bills, dates on Envelopes, calls made, showing my cause for these calls, documentation. Only after this email, proving I never requested, signed or made any changes to my policy did I receive another email on November 22, 2017 from LaToya stating According to our records this policy was issued as a term life policy, contradictory to what Cassie was showing prior to LaToya's response to me again showing them I never requested these changes be made.
11. I began calling Globe Life and Accident Insurance on November 5, 2013 upon receiving the first increase in my ***, learning I was given the wrong Policy (Term Life Insurance) with several acknowledgements of the error made, promise after promise this would be fixed, we as Paralegals knowing 1. Not all of these Representatives can be wrong in seeing this error made and 2. Cassie who also noted via email the records showing I had Whole Life Insurance but converted it to Term Life Insurance 3. It was not me that converted it but instead Globe Life and Accident who converted it without my consent and or knowledge as Cassie stated the records show 4. The very first and only time I ever received a conversion form application was on February 8, 2018 as a matter of fact being from Ms. C. Lawhon via email 5. Globe Life Insurance is responsible for their employee's actions, statements as these Representatives are the company 6. Knowing the clock starts from the time a person knows and or realizes the error was made, in my case again upon receiving the first increase in my *** on November 5, 2013.
12. I have been told numerous times this issue would be corrected as well as at times there would be an investigation into this not only by the Representatives but also by Ms. C. Lawhon on February 6, 2018 in so far as stating; I cannot speak for any of our customer service representatives who may have incorrectly advised you that Globe Life made a mistake when the company originally issued you a term life policy. However, I did bring these allegations to the attention of management in our Customer Service Department for further review and corrective action. Obvious; no investigation and or corrective measure as again promised this time by Ms. C. Lawhon, taking note it has been the Customer Service Department who has acknowledged the error and Promised time and again from the beginning this error would be fixed, and the same Customer Service Department Ms. Lawhon stated she cannot speak for in this same paragraph.
13. I am not asking for anything Globe Life and Accident Insurance doesn't already know I should have definitely had and applied for from the very beginning, has already acknowledged I either had or was supposed to have; my Whole Life Insurance, dating me back to 2008 Policy and Charges, locked in price $422.00 with Accidental Insurance, just as promised.
Contact Name: *** S. ***
Address: 894 Main Street
City: Leominster
State: MA
Zip: XXXXX
Phone: XXX-XXX-XXXX
Email: ***@verizon.net
Policy #: 00YXXXXXX
Case # XXXXXXXX
Date: February 21, 2018
I *** S. *** do hereby assert the following above statements to the best of my recollections and ability; Electronically sign this legal document under the pains and penalty of perjury on this 21st day of February 2018
Signed: *** S.
Globe Life Insurance want me to pay 3 months and I owed only 1 month from my premium
Ssteeling my money
Cneed to resolver this issue with over charges
Globe Life has searched their records for a policy insuring Mr. *** using the address and telephone number he provided in his complaint, but we were unable to locate an active policy using this information. In order for us to be able to properly research this matter and respond to Mr., we will need the policy number and/or the name of the insured person on the policy that Mr. is referring to in his complaint. Once we receive this information, we will be happy to review this matter and respond fully to Mr. complaint.
5 stars
Thank you Ms. Beverly Faye Wilson for your 5 stars. Globe Life strives to provide excellent service to our customers and we are pleased that you took the time out of your busy schedule to give us a 5 star review.
My mother-in-law passed on November 17th this year. She had insurance with Globe Life and was paying on it since the 1980's. Because her husband was the beneficiary her son and administrator of estate had to get an affidavit to prove his relationship. After getting the affidavit and sending certified mail they say it still isn't enough proof. As they are continuing to earn interest we are trying to pay for the funeral. I give them a very, very poor rating as a business.
Globe Life would like to review and investigate this matter further with Ms. Hilton, but we will need a policy number or the name of the insured in order to do so. Please have Ms. Hilton fax her complaint to us in writing at 405-270-1185 or she can send her complaint by mail to Globe Life, 100 N. Broadway Ave., Legal Dept. - 7th Floor, Cotter Ranch Tower, Oklahoma City, OK 73102. Or Ms. Hilton can file a formal complaint with the Revdex.com and we will respond accordingly.
Disconnected after 1 hr 12 min then when I called bk and request a quote answered immediately. Agent was rude and my Dec 4th payments not processed
Not about any of that although did not process my payment
No more rudeness and refusing to answer then disconnecting after over an hour on hold
Contact Name and Title: Cheri Lawhon, Paralegal
Contact Email: ***@torchmarkcorp.com
The $29.59 premium payment that Ms. made online on 12/04/17 was processed by Globe Life. However, the payment was declined by the bank on 12/05/17 because Ms. entered the wrong expiration date for the card - she entered 02/20 when the expiration date was actually 09/20.
On 12/05/17, Globe Life sent Ms. a letter advising her of the declined premium payment. Ms. made a subsequent payment of $29.59 on 12/12/17. Since she entered the correct expiration date this time, the payment processed without issue. This premium paid policy #008KXXXXX to 01/08/18.
Ms. does not indicate in her response when she called and was disconnected after an hour or when she spoke with an allegedly "rude" customer service representative. If Ms. will provide the approximate dates of these phone calls and verify the telephone number from which she called, I will be happy to have our Customer Service Department pull recordings of those calls and review her allegations further.
I trust this information is fully responsive to your inquiry. If you should have any questions, please contact me directly.
I HAVE SPOKEN 2 REPS..MORE THAN 3X ON DIFFERENT OCCASIONS ASKED 2 BE REMOVED FROM BANK DRAFT ON ALL ACCT.STILL TAKING MONEY OUT..I DO NOT AUTHORIZE TH
I have spoken 2 REPS over & over telling them 2 remove all my Accra from bank drafts.I was told they removed it but here again I see it on my bank acct..
I am looking 4 this company 2 keep they word..remove all my Accra from bank drafting
Attached is a copy of the response that Globe Life sent directly to *** D. *** via regular mail on 12/19/17.
I trust this information is responsive to your inquiry. If you should have any questions, please contact me directly.
(The consumer indicated he/she DID NOT accept the response from the business.)
When asked they said it was waived period and I can pick up on the regular payments not 2 draft cause I asked not 2do that..but yes..it is off all policies noe
After reviewing a recording of the 08/02/17 telephone call, it appears that the Retention representative did not correctly explain the waiver of premium process to Ms.. Please extend our sincerest apologies to Ms. for this oversight and any confusion or inconvenience it has caused.
This matter has been brought to the attention of management in our Retention Unit.
(The consumer indicated he/she ACCEPTED the response from the business.)
Spoken with rep
Globe life is a wonderful life insurance company. My mom paid her insurance premium every month for 24 years when she sadly passed Globe Life made the process so simple and the funeral home was paid within 15 days.
Thank you Ms. Triplett for your kind words.Please accept our sincerest condolences on your loss. It is very nice of you to take you time to leave a positive review for our company. Globe Life strives to process claims in a timely manner. We appreciate that your mother was a long time policyholder with Globe Life and we are very happy that we could assist you in this time of sorrow. Please let us know if we may be of any further assistance to you in the future.
ON or around the month of October 2017,
On or around the middle of October this year, due to my retirement and the loss of employer provide life insurance, I began looking into finding a couple of small life insurance polices for myself and my wife. I had filled out a policy quote request or at least what I was under the impression was a request with Globe Life Ins CO. Sometime later Globe issued me a policy (***) by mail. Upon receipt of this policy I looked at the initial monthly preminum and was Shock at the rise in cost over the term and immediately proceeded terminating this policy by phone and emails. After multiple phone calls and emails this policy was cancelled. NOTE: My wife received a letter stating she was turned down for the coverage due to their inability to speck with her on the phone. FYI, I have all correspondence on file at my home with this issue. Some time later we receive a phone call fro another sale rep via *** for a different type policy and at that time on the phone the sales rep. promised me we would have up too 15 days to cancel this policy as well if the policiues and terms did not meet our needs. Then we got the policies by mail with a note stating they had approved and issued policies to both of us (my policy ***) ( my wifes ***) again I immediately began calling GLOBE to cancel , I also have copies of emailled cancellation request that we can provide. I was told by a GLOBE service rep this polices would be cancelled and no monies deducted from my account. Also I at no time gave signed authorization to GLOBE LIFE for and payments on these policies. Today DEC 2, 2017 , we received a letter on both of these unauthorized policies that the monies deducted by in what I feel is direct fraud on Globe life to take this money *** not be returned. Please let m,e know what steps I must take to obtain a full refund.
FULL REFUND
According to our records, William E. ***, III submitted applications for insurance coverage on his life and the life of his wife, Nancy S. ***, via Globe Life's website on 10/17/17. After verifying the applications via telephone on 10/18/17, Globe Life issued policy #*** insuring William E. ***, III in the amount of $20,000.00 and policy #*** insuring Nancy S. *** in the amount of $20,000.00. Both are term life policies and each included a $25,000.00 accidental death benefit rider.
Based on the health history provided during the 10/18/17 quality assurance phone call, we were unable to issue Mrs. the standard coverage requested. Her policy was issued substandard, which has a higher premium rate due to the increased risk.
According to our records, both policies were cancelled 11/08/17 at the policyholder's request. Since the policies were cancelled during the 30-day "free look" period, our computer system automatically refunded the initial $1 premium. However, no premium payments were actually received since the applications were submitted via the internet.
On 11/08/17, the same date as the above polices were cancelled, Mr. completed applications for $10,000.00 insurance coverage on his life and the life of his wife via Select Quote, one of Globe Life's third-party vendors. Based on his application, Globe Life issued Mr. term life policy #*** in the amount of $10,000.00 effective 11/13/17. However, we were unable to approve Mrs. for coverage because our quality assurance team was unable to contact her by telephone to verify health history. Consequently, the application for Mrs. was withdrawn.
During the 11/08/17 telephone call with Select Quote, Mr. would have not only given his consent to submit the application, but would have also provided his bank account information and authorized Globe Life to deduct premiums from this account to pay for the policy, should he be approved for coverage. There is no other way for Globe Life to have received this information other than from Mr. via Select Quote.
On 11/24/17, Globe Life deducted $59.90 from Mr. bank account, paying policy #*** for one month - to 12/13/17. The policy was cancelled 11/27/17, per Mr. request. A refund check (#185179) in the amount of $59.90 was issued to Mr. on 12/12/17. Per procedure, premiums are refunded 30-days after receipt to ensure that the payment has cleared the policyholder's bank.
Mr. should allow at least 10 BUSINESS days to receive this check, as our mail is sorted at an off-site facility before being delivered to the US Postal Service for mailing.
I trust this information is responsive to your inquiry. Please contact me via email should you have any questions.
(The consumer indicated he/she ACCEPTED the response from the business.)
I have attempted over years to discontinue getting insurance mailing from Globe Life for myself of any other family at this address. Please cease all mailings, advertising and phone calls . I do not want your service.Thanks
Other (requires explanation) NO Mailings from Globe, Global Life Insurance of any kind
December 4, 2017
John ***
Revdex.com of Dallas and Northeast Texas
1601 Elm Street, #3838
Dallas, TX XXXXX
Re: Complainant: ***
Revdex.com Case #: XXXXXXXX
Dear Mr.
This is in response to your correspondence dated December 4, 2017, regarding the above referenced complaint.
We have placed the name of ***, with the address of P O Box 623, Kentwood, LA XXXXX, on our "Do Not Mail" list. We ask that Ms. please allow 60-90 days for this change to take place, as other mailings may have already been processed. Our Marketing Department schedules mailings several months in advance and we are unable to pull her name and address from anything that is already scheduled, but the mailings will definitely stop after 90 days. If Ms. should move, ask her to please let us know so we can update our list. Please be advised that if anyone using Ms. address inquires about insurance from us in the future, she will receive mailings again.
Hopefully, this action will prevent any further mailings from being sent to Ms. by our company. Please ask Ms. to accept our sincerest apologies for any inconvenience these mailings may have caused.
I trust this information is fully responsive to your inquiry. If you should have any questions, please contact me directly.
Never mailed a cash value redemption value after 30 days told me they stopped payment. Did not give me a check number or expected payment date.
*** owed money and not willing to overnight money now past the thirty day promise.
Customer service has been impossible and supervisors
do not know how to resolve these issues.
Overnight check for 1682.65 or automatic deposit in my account
Contact Name and Title: Cheri ***
Contact Email: ***
According to our records, policies *** were surrendered on 10/12/17 per Ms. request. The following checks were issued to Ms. on that date:
#2558770 $1,046.65 Policy ***
#2558771 $636.65 Policy ***
The checks printed 10/13/17 (Friday) and were sent for mailing the following business day, which was 11/16/17 (Monday). The checks were mailed to Ms. at the address of record: ***, which is the same address that appears on the complaint. We usually ask that the consumer allow at least 10 BUSINESS days to receive a check, as our mail is sorted at an off-site facility before being delivered to the US Postal Service for mailing.
Ms. contacted Globe Life via telephone on 10/27/17 stating she had not yet received the checks. The customer service representative explained to her that we cannot reissue a check until it has been outstanding for 30 days. That is our usual and routine procedure. According to policy notes, Ms. became irate upon hearing this procedure and demanded to speak with a supervisor.
Our Accounting Department stopped payment on the checks referenced above and issued the following new checks to Ms. on 11/09/17:
#2575049 $1,046.65 Policy ***
#2575050 $636.65 Policy ***
The checks printed 11/10/17 (Friday) and were sent for mailing the following business day, which was 11/13/17 (Monday). The new checks were mailed to the exact same address as the original checks issued 10/12/17. According to our Accounting Department, the new checks were cashed 11/20/17.
It is Globe Life's position that the surrender of these policies was handled properly and in and timely manner. If you should have any questions, please contact me via email.
I bought a life insurance policy from Globe,they will not pay the policy, stating that I did not Pay my premiums. I provided direct debit proof.
I bought a life insurance policy from Globe,they will not pay the policy, stating that I had a breach in payment of my premiums. I provided direct debit proof from my pay stubs that verify I have maintained payments since I bought the policy years ago. Globe employees listed below still will not release payment of my Policy #*** for Achante *** (6/3/1979). I have documents verify all facts stated here in.
Employees: "Kathy ***
Victor
This is a violation of my rights. I have lost my loved one and I would like my policy paid out that is legally binding because I have always maintained my payments.
Contact Name and Title: Cheri ***, Paralegal
Contact Email: ***
Globe Life's records reflect two policies under the name Achante *** - policy #*** insuring the deceased person referenced in the complaint, and policy #*** insuring her minor daughter (with the same name).
The insured under policy #*** passed away 11/29/16. Her death was not reported until 09/14/17. At that time, our records indicated the policy was not in force on the date of death. However, upon further review, it appears that all of the premiums received for both of the above policies were being applied to #*** only. That is why the policy was lapsed on the date of death.
Globe Life has corrected its records and advanced policy #*** to 11/20/16, paying it within the 31-day grace period. That being said, Ms. death occurred during the two-year contestability period of the policy. As such, the Company will conduct its usual and routine investigation concerning Ms. past health history. In order to process this contestable claim, however, additional information is required.
On 11/27/17, Globe Life sent TreShawn *** a letter requesting such information, including a completed Claimant's Statement, medical authorization, and Statement of Physician. The Claimant's Statement that Ms. provided in September does not include the names and addresses of the physicians and/or hospitals that treated Ms. in the past five years. This information is required when the death occurs within the first two years of the policy.
The medical authorization that Ms. submitted is not dated and she did not indicate her relationship to the insured on the document. In addition, the Statement of Physician was left blank. Copies of the forms received from Ms. are enclosed for your reference.
Once Ms. returns the completed forms, we will be in a position to begin processing this contestable claim.
(The consumer indicated he/she ACCEPTED the response from the business.)