Life Quotes Inc.

Complaint: ***
I am rejecting this response because: I would like to know what pages of medical records and why Mr*** has not found an insurance company for me yetIt has ben several weeks now. He is not doing anythingThe lab results reviewed by the underwriter came back with an explanation of alcohol consumptionThere are certain medications that can elevate the high test results and that was not consideredIt was point out to me in the denial letter as alcohol and I find that very offendingLife Quotes is covering up for the underwriter
Sincerely,
John ***

Hi,Heart patients always have a more complex time of obtaining life insurance as heart disease is #cause of death. In this case, we only obtained heart ablation procedure records on Decand immediately forwarded them to *** for consideration.*** will not make a final
offer until they have first reviewed those records. Here is a diary of our service record on this case: The current status of this is that *** is reviewing documentation that I sent to them on 12/and deciding whether or not they will reopen the case and proceed Here is a quick breakdown: 07/- *** app written by *** was rated by *** due to history of AfibIt looks like he did not like the price so pivot to ***/ 7/submitted to *** 8/At best offer from *** processed and reassigned to Peggyreason: History of asthma treated with Nebulizer at home in 3/as well as heart murmur and palpations 8/Customer told *** he would proceed and *** requested medical records 9/APS was received but *** said they wanted the request reopened to obtain details regarding an ablation procedure he had done I wanted to speak with him about this and make sure we were loo*** in the right place 9/Left him a message 10/spoke with him 10/left a message and sent an email as*** for assistance obtaining the records that *** was as*** for 10/left a message informing him that I needed the records or I would have to close out the file 10/emailed again as I did not hear back 10/Heard back from him and told him that *** needed any records pertaining to the ablation procedure 11/Spoke with him and he said he was going to call his Dr's office and try to get the records about the ablation procedure 11/Spoke with him about an authorization form to release the records to EMSI as they were still trying to obtain the records as well 11/I asked him if he was having any luck with getting the records and let him know that I was closing out the file until they were obtained 12/Records were sent to *** by EMSI 12/I contacted them and asked for an update from ***They responded that they needed some time for the underwriter to review and decide whether or not they would reopen the case 12/He asked me if there "any way to get up with *** on the status of this app?" at which point I told him that I was waiting for *** to get back to me Sincerely,*** ***, Founder and CEO

Our insurance agency handled Mr***' July life insurance request to *** *** after having reviewed his application, his pages of medical records and his outside lab report, made a decision to decline to offer life insurance, which is their right. *** cited specific elevated
lab readings. At no point did *** or anybody from Life Quotes accuse Mr*** of being an alcoholic. Jay *** of our office is working with Mr*** to find coverage with another life insurer. Sincerely,*** ***, CEO

Hi,

size="2">Heart patients always have a more complex time of obtaining life insurance as heart disease is #1 cause of death. 
In this case, we only obtained heart ablation procedure records on Dec. 1 and immediately forwarded them to [redacted] for consideration.
[redacted] will not make a final offer until they have first reviewed those records.
 
Here is a diary of our service record on this case:
 
 
The current status of this is that [redacted] is reviewing documentation that I sent to them on 12/1 and deciding whether or not they will reopen the case and proceed.
 
Here is a quick breakdown:
 
07/2106 - [redacted] app written by [redacted] was rated by [redacted] due to history of Afib. It looks like he did not like the price so pivot to [redacted]/
 
7/22 submitted to [redacted].
 
8/9 At best offer from [redacted] processed and reassigned to Peggy. reason: History of asthma treated with Nebulizer at home in 3/2015 as well as heart murmur and palpations.
 
8/18 Customer told [redacted] he would proceed and [redacted] requested  medical records.
 
9/2 APS was received but [redacted] said they wanted the request reopened to obtain details regarding an ablation procedure he had done.
 
I wanted to speak with him about this and make sure we were loo[redacted] in the right place.
 
9/21 Left him a message
 
10/3 spoke with him
 
10/11 left a message and sent an email as[redacted] for assistance obtaining the records that [redacted] was as[redacted] for.
 
10/19 left a message informing him that I needed the records or I would have to close out the file
 
10/20 emailed again as I did not hear back
 
10/20 Heard back from him and told him that [redacted] needed any records pertaining to the ablation procedure.
 
11/3 Spoke with him and he said he was going to call his Dr's office and try to get the records about the ablation procedure.
 
11/9 Spoke with him about an authorization form to release the records to EMSI as they were still trying to obtain the records as well.
 
11/17 I asked him if he was having any luck with getting the records and let him know that I was closing out the file until they were obtained.
 
12/1 Records were sent to [redacted] by EMSI.
 
12/16 I contacted them and asked for an update from [redacted]. They responded that they needed some time for the underwriter to review and decide whether or not they would reopen the case.
 
12/19 He asked me if there "any way to get up with [redacted] on the status of this app?" at which point I told him that I was waiting for [redacted] to get back to me.
 
Sincerely,
[redacted], Founder and CEO

Given the medical history of Mr. [redacted] and his unwillingness to work with us in a civil manner, we know of no other life insurers that would accept him. 
Sincerely,
[redacted], CEO

Given the medical history of Mr. [redacted] and his unwillingness to work with us in a civil manner, we know of no other life insurers that would accept him.  Sincerely,[redacted], CEO

Our insurance agency handled Mr. [redacted]' July 2016 life insurance request to [redacted]  [redacted] after having reviewed his application, his 800 pages of medical records and his outside lab report, made a decision to decline to offer life insurance, which is their right. 
[redacted] cited specific...

elevated lab readings.  At no point did [redacted] or anybody from Life Quotes accuse Mr. [redacted] of being an alcoholic.  Jay [redacted] of our office is working with Mr. [redacted] to find coverage with another life insurer. 
Sincerely,
[redacted], CEO

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.
Sincerely,
[redacted]