Hilmes Tv Svc

Complaint: ***
I am rejecting this response because:At this point I am beyound frustrated with this companyAfter leaving numerous voicemails between November 15th and November 22nd with Mrs*** I am yet to receive a return phone callThat is unacceptable and very poor customer serviceEven my last phone call to ** went unreturnedThe only correspondence I recieved back from Mrs***is a letter basically stating the same thing as was the response on this siteWhere is the professional courtesy to return my calls and acknowledge my concerns? There has been no acknowledgement of my concernsMr*** is providing information in stating that he sent me the Fed Ex information regarding my policyEven if it has been a year since he sent it, there should be still be record of the letter on a file created especiallly for meThere is no record because there was no letter sentHe is also providing informatino in stating that he heard back from my husband inquiring about another policyNeither myself or my husband never spoke to Mr*** again after he left our residence that dayThe only true facts here remains that I did sign all the documents, however it was signed under pretenseMr*** was supposed to wait to process the documents once he received my call of confirmation or he was going to follow back up with me once he returned from out of townHe said that would be easier so he would not have to return to my residence a third timeDoes he recall that conversation? Does he recall coming to my house once and I did not let him in and then he had to return a second time for the meeting? Does your company even show he was out of town in Decemember or was that a part of what now feels like a scheme? I am appalled of the company's lack of regard for consumers; to only hear and accept the side of their employee without verbally speaking with the customer-especially after the customer has made several attempts and left several voicemails That is customer service Is that what your managers teach you in training when dealing with customers- to not call them back? That is not okay which is why I have filed this complaintI would like for a manager to contact me back and validate my concerns I would like a manager to validate that something did not go right and this is not normally how your company conducts businessSince I never contacted Mr*** after we had a verbal aggreement regarding the documents that I signed, I want a full refund of my $Verbal aggreements still hold valueOrcourse you guys had to cancel the policy, but I would like a full refund and a phone call to discuss this on more personal note than through the computer.
Regards,
*** ***

Complaint: ***
I am rejecting this response because:
The attached paperwork show my name, my father's name, and the policy number.On 7/21/the attached paperwork was faxed to AALI, ATTN: MrDC*** (*** **)He received the fax and sent me an email on 7/23/2015. Although the details were shared in my previous reply, after some research, S*** was able to find the policy in the AALI computer systemShe was able to locate it when she placed the letter A before the letters shown on the policyThe numbers are the same, and the letter E at the end of the policy simply indicated that I was the fifth named beneficiary on the policyAlso, in the AALI Death Claims Department, A*** was able to retrieve the policy from the AALI microfiche (the details were also shared in my previous reply)
Regards,
*** ***-***

Complaint: ***
I am upset due to the fact their salesman go out claiming you can get your money back at anytime without being recorded and can say what they wantMost companies whether selling finance or insurance now have cameras when
signing contractsSo I signed a contract so oh well right? It's like the rape situation with he said, she said with no one else thereEven the fact that day I called him on his cell to get the process started to cancel he said now I get a percentage backThe lies continued all the way to the endMake this rightI am not looking to getting it all back but what was promised!
Regards,
*** ***

We were not aware Ms. [redacted] was wanting to cancel her policy because she had not receive her policy and was requesting a refund as we have no record of her contacting our office.  We have put our cancellation form in the mail to her to complete and return for a full refund.  If she...

has any questions, she can call our office at [redacted].

We are sorry to hear Mrs. [redacted] has rejected our response.  We must issue a policy based on the application that is completed and signed by the policy owner.  The application clearly did not indicate for a disability rider to be on her policy.  As previously advised, the claim she filed was on a pre-existing condition that was not disclosed on the application and would not have been approved even if she had the disability rider on her policy.  We have cancelled Mr. and Mrs. [redacted]'s policies as of the original issue dates and refunds of all premiums received were mailed September 19, 2016 to their home address.

Complaint: [redacted]
I am rejecting this response because:I do not think I should have to wait a month to get a refund for the check they should not have cashed in the first place
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because: I did receive the paperwork from AA that they sent to me. The policy receipt dated 8/31/16 which I signed, I never got a copy. I reread the letter that [redacted] wrote. There are discrepancies,  obviously, because he said one thing, and I am saying another. I was approved as stated and yes,  signed the policy receipt on August 31st. My husband, as stated , was turned down two months later in October. When Mr [redacted] told me this, I informed  him that since AA won't cover us both, that we were going to apply with other companies that would cover both of us. He did not inform  me that I would have to cancel my current policy with AA, otherwise I would have done so.  I don't believe Mr [redacted] is being truthful in this matter, since his last sentence in his letter is that my husband did not get approved till March 2016? Really??   First, March 2016 is way before we even met with him and second, he is now saying that my husband was approved in March 2016 when he was declined in October 2016. So, was he approved after I wanted my policy cancelled? Was he ever approved since we never received anything from AA??  I am grateful that AA has granted  me cancellation of my policy.  That is certainly appreciated since it was not within thirty days of the issue of the policy.  I feel that AA  was also lied to regarding this matter, nevertheless, I feel I should be reimbursed for the money that was paid to the company, considering we will have to apply to other companies for insurance services. Thank you for your consideration.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

We were notified of [redacted] desire to cancel her policy on January 5, 2016 from the agents office.  This was a day after her check was received for the initial payment and cashed.  Her policy was cancelled as requested and confirmation was mailed to her on January 5, 2016.  Our...

letter advised her that the initial payment would be refunded once it had cleared the normal banking channels.  This normally takes 30 days and will be sent on February 3, 2016.   We have attached a copy of the letter for review.

This letter is in response to the complaint you have received in your office from [redacted]. Mr.[redacted] applied for and was issued a $50,000 30 Year Home Certainty term plan issued July 18, 2017. Enclosed is a copy of the signed Application for Life Insurance, Authorization for the Release of...

Medical Records, Bank Draft Authorization and other related forms for your review.Mr. [redacted] called our office on August 24, 2017 requesting cancellation and refund of premiums. This was the first know we had of Mr. [redacted]'s desire to cancel. We advised him we would remove from the automatic bank draft and send our Policy Cancellation Request form to be completed and return with his request for a full refund. This form was mailed on August 24, 2017 (copy enclosed).In the interest of customer service we have cancelled Mr. [redacted]'s policy as of the original issue date. Enclosed is a copy of our refund check that has been mailed.If I can be of further assistance, please contact me [redacted] ext 3528 or by email at [redacted]Policy Service Department

When **. [redacted] completed his application for insurance on April 25, 2014 all of the health questions on the application were answered in the negative.  When he completed the recorded telephone interview with our vendor EMSI, he answered all of the health questions in the negative with the...

exception of a heart condition.  In issuing the policy, we relied on the answers given to the questions on the application for insurance and telephone interview.Due to his death within the 2 year contestable period on the policy we obtained medical records for **. [redacted] that were prior to the application date as we do with all claims filed in the contestable period.  A comprehensive review of his medical records indicates there was health history that was not disclosed at the time of application.  This information was material to the risk to be taken by American Amicable Life Insurance Company of TX.  Had questions #2 and #4 on the application been answered "yes" he would not be eligible for the plan of insurance applied for and a policy would not have been issued.We regret that our original claim decision cannot be changed.  The decision is based on the information, facts and circumstances known to the company at this time.  The company does not waive its right to present other defenses to this claim, which may come to its attention in the future.  It is requested **. [redacted] review this response and the statement of facts it contains.  If he thinks that anything is inaccurate or incorrect, or if he would like to present additional information, we will be happy to discuss or review.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]

Re: Policy #[redacted] [redacted] Your ID #: [redacted]This letter is in response to the complaint you have received in your office from [redacted] regarding the above policy. She applied for and was issued a 20 Year $200,000 Easy Term plan that was issued August 24, 2016....

Enclosed are copies of your signed Application for Life Insurance and other related forms for your review.Ms [redacted] policy was approved and mailed to her agent [redacted] on August 24, 2016 and was delivered to her on August 31, 2016. Enclosed is a copy of the signed Policy Receipt confirming delivery. We contact Mr [redacted] and requested a statement from him after receiving Ms [redacted] letter on March 3, 2017 requesting cancellation and refund of premiums. We have enclosed a Mr. [redacted] statement for your review We have also en-closed a copy of our response to Ms. [redacted] request for cancellation and refund request.If I can be of further assistance, please contact me [redacted] ext [redacted] or by email at [redacted].

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Hi I just recontacted American amicable and they told me that they have taken care of the issue that I am cancelled and that I do...

not owe anything. Thank you for reading my complaint.
Regards,
[redacted]

Re: Policy # [redacted]ID # [redacted] [redacted]This letter is in response to the complaint received in your office from [redacted] [redacted]. Ms. [redacted] applied for and was issued a $22,365.00 20 Year Level term life insurance plan with an An-nuity Accumulation Fund Rider issued February 1,...

2003.Ms. [redacted] is questioning the interest that was credited to her Annuity Accumulation Fund Rider. Enclosed is a copy of the Annuity Accumulation Fund Rider page from her policy contract which ex-plains how interest is credited. We have been in contact with Ms. [redacted] by email and she was pro-vided in detail how the interest is calculated and her last email indicated that she now understands how the interest is calculated. We have enclosed a copy emails and the account detail for review.If I can be of further assistance please contact me at [redacted] ext [redacted] or by email at [redacted]. Sincerely,[redacted]Policy Service Department

This letter is in response to the complaint received in your office from [redacted]. She applied for and was issued a $100,000 30 Year Home Protector term life insurance plan issued December 9, 2015. Enclosed are copies of the signed Application for Life Insurance, Authorization for the...

Release of Medical Records, Bank Draft Authorization and Replacement of Life Insurance or Annuities form for your review. We have also enclosed a copy of our letter dated December 8, 2015 mailed to Ms. [redacted] thanking her for allowing American-Amicable the opportunity to provide for her life insurance needs.The writing agent [redacted] was contacted and indicated that he mailed the policy contract by Fed¬eral Expressed to Ms. [redacted] home address; however, due to it being sent a year ago, he no longer had the tracking number. He also indicated that he spoke to Mr. [redacted] after the policy was mailed be¬cause he indicated that he might be interested in a universal life plan. At no time was the agent or our office contacted by Ms. [redacted] indicating she was not happy or dissatisfied with the product.Premiums were drafted each since December 2015 as requested on the signed Bank Draft Authorization. Had a valid claim been submitted to our office, the Company would have been obligated to the designated beneficiary the policy proceeds; therefore, a refund of premium is not due.If you have any questions, please contact me at [redacted] ext [redacted].

When we received Mr. [redacted]'s cancellation the drafts had already left our office and were in banking channels.  He was mailed the attached letter on 7/13/16.  If he will send the requested documents we will make the appropriate refund of excess premiums.Thank you,[redacted]AVP-Policy...

Service

This letter in in response to the complaint received in your office from [redacted]. Please be advised that we have no record of receiving the original request in September. Mr. [redacted] applied for and was a $70,000.00 20 Year Level Term Home Pro-tector life insurance policy with Return of Premium...

issued July 4, 2015. Enclosed is a copy of the life insurance application and related forms for your review.Mr. [redacted] premiums were drafted each month as requested by the completed Bank Draft Authorization. Mr. [redacted] called our office on April 26, 2016 called regard-ing the cancellation of his policy. He indicated that he thought he would receive a refund of all premiums paid at any time. We explained that he would only receive a percentage of the premiums back prior to the 20th year. This schedule was located on Page 3B of the policy contract that was mailed to Mr. [redacted] in July 2015. We have enclosed a copy for your review. Mr. [redacted] became upset and wanted a refund now, we advised him that if he had a complaint that he would need to send his re-quest in writing for management to review. He said he would call his bank to get a refund and disconnected the call. At that time we also stopped all future bank drafts to his bank account. On July 4, 2016, the policy lapsed due to non-payment of premiums and never receiving a letter from Mr. [redacted].On September 28, 2016, Mr. [redacted] called our office again wanting to know where his refund was. He was advised that we had never received his written request for re-view by management. He again advised that he would call his bank to get his money back.This policy has been administered just as it was issued. As specified on Page 3B of the policy contract, the percentage for the first 2 years is zero. Therefore, there is no refund due.

Complaint: [redacted]
I am rejecting this response because: Why inconvenience me further,check your records,do the leg work.
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because: 
The reply from AALI is untrue. Both the policy number and name of the insured were provided to several representatives. Also, [redacted] was able to research and find the policy in the microfiche.On 7/21/2015 @ 3:49pm I spoke to S[redacted].  Not only did S[redacted] find the policy, but she also confirmed that the policy expired in 2001. I hung up, spoke with family and confirmed the beneficiary's date of death.On 7/21/2015 @ 4:22pm I called back, spoke to C[redacted] in the Death Claims Department, and she could not find the policy. She transferred me and I left a voicemail for S[redacted] to call me back.On 7/21/2015 @ 4:34pm S[redacted] called me back. It was she who assisted me. She put me on hold, contacted the Death Claims Department and assisted them in finding it, then connected me to A[redacted]. Once I spoke to A[redacted], it was she who told me that the policy number was from one of their older policies. Also, there can't be a payout if the beneficiary died after 2001. The conversation turned very odd when I told her that the beneficiary's death was prior to the policy's expiration.She said she would have to research it in the microfiche (How else would I know this?), then proceeded to ask several questions ... about the beneficiary (name, DOB, date of death, married, wife's name), number of living siblings, my mailing address, my contact phone number, etc. She said she would get back with me in a couple of days. On 7/24/2015 @ 11:15am (2nd attempt) I called the Death Claims Department and spoke to L[redacted]. She couldn't find the policy. I asked her to transfer me to A[redacted], who I knew found the policy two days earlier. She was unavailable so I left her a voicemail message.On 7/27/2015 @ 8:12am A[redacted] called me on my cell. At this point the policy information was turned around and the conversation turned awkward. A[redacted] is very aware that I do not have a copy of the policy - which is why I asked her what procedures I needed to follow to file a 'Lost Policy Claim'.  Her only response to this was I couldn't receive a copy because the policy had expired. She couldn't give me a reason why, instead said I needed to provide a copy of the policy. . if she's looking at the policy, why I couldn't file a claim to receive a copy of it. I have all of my notes and I'm sure that phone and voicemail records can be retrieved if necessary.
Regards,
[redacted]