Lincoln Heritage Life Insurance Company

We thought we had good insurance but it turn out the agency kerps calling my husband for good deals that he thought of getting the help he needed but it costs us way too much money ...But they also cuts out my insurance too without notification that should have refunded all that money back to us...They cancelled it 08/16/2016...My husband passed away 1/2018 when I show funeral director and came back been cancelled...I want my money back after scamming my husband thinking he was getting more help with his health issues...Shame on you and company for taking advantage of us...

Lincoln Heritage life insurance is a horrible investment. My father took out a plan for my grandmother to prepare for any tragedy that was to occur in the future. to his knowledge he was supposed to pay 200 dollars a month for five years to get lock in the plan. I understand that isn't how life insurance works, but these people preyed upon a man who cannot read and is susceptible to their schemes. Five years later he finally had paid more than 12,000 dollars to this place and lo and behold it turns out it was $200 for life. The agent did not explain this to him until he called in to ask why he was still being billed for something he, to his knowledge, had already finished paying for. If I had known what they were telling him during those meetings this would be no contest. Of course now they are only offering him $1,800.00 of reimbursement for something that has and will never be used. This is a man that makes 14 an hour at a tedious and back breaking job; who is not left with with a huge debt and nothing to come from it. His wife and son are disabled and he struggles to even make the mortgage every month. All he wanted to do was be prepared if anything ever happened to his mother, because he knew no would help him. Years of investment are down the drain, when he could have used that money to pay for his kids schooling. If it were ever to be proven that insurance companies are heartless and money hungry evil doers, this company would be the epitome of it.

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]­ [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

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,

Dear Dispute Resolution Consultant:Owner: [redacted]We have received your correspondence and appreciate the opportunity to respond. Please find enclosed a copy of our letter to Mr. [redacted] as well as the detail of our refund check for $26.64. The only reason he received a bill...

was because we stopped the automatic payments as a courtesy when he called on August 4, 2015 to request cancellation.If Mr. [redacted] 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 matmer. Please contact us if you have any questions, or require further information.

We have received your correspondence and appreciate the opportunity to respond.  TheNAIC number for Lincoln Heritage Life Insurance Company is [redacted].Enclosed please find a copy of our letter and check to the above policyholder.  All premiums paid have been refunded as requested...

by the customer.  We apologize for the delay in processing the 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 further information.

We have received your continued correspondence and appreciate the opportunity to respond. Please find enclosed a copy of our letter to the above policyholder, [redacted]. 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 for. For that reason, the premium was changed to $35.14. When we took the policy off of automatic bank draft, she no longer gets the discount so the rate would be $37.14. However, that point is moot since she cancelled the coverage.We cannot give Ms. [redacted] 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.

The final expense product offered by this company provides families with 24 hour support when a loved one passes away. The burden is really taken off of families during a very difficult time. Claims are processed very quickly so families do not have to worry about covering burial expenses up front.

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.I have been checking my phone in mail daily waiting on a response so that's hard for me to believe. I guess they are waiting on my mom to pass also.I explain to them she was no longer there its other ways of finding out information if are really sincere

Regards,

We received your letter on October 6, 2014 and appreciate the opportunity to respond to this matter. Lincoln Heritage Life Insurance Company does not have any licensed insurance agents in Washington state. When we receive a request for coverage from a resident of Washington they are...

sent a direct mail offer. A direct mail offer was sent most recently to [redacted] on 6/2/2014 and 9/15/2014 and to [redacted] on 9/30/2014. Included with this response is a sample of the direct mail offer. The direct mail offer rate table indicates the maximum age for coverage for a male is age 65 and for a female it is age 70. Since Mr. [redacted] is 82 he would not qualify for our coverage. We hope this information assists in resolving the matter. If we can be of further assistance please let us know. I can be reached at ###-###-#### or via email at [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.

I have been a customer with Lincoln Heritage for almost a year. I had been searching for a reliable company who would offer Final Expense. I came across Lincoln Heritage and found that qualifying for a cash benefit is easy, no health examinations are necessary. My favorite part is the family support offered through the Funeral Consumer Guardian Society. If you are looking for a Final Expense Life Insurance policy, look no further.

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.

When an...

insurance company issues life insurance, it must rely on the health information given on the application to determine what type of coverage a person is eligible for. If the information given is not accurate, then the company is not able to make a proper underwriting decision. When a claim arises during the first two policy years of the policy issue date, the company has a right to review the information given on the application to make sure it was accurate.

Because the above noted policy was less than two years old it is considered to be in the contestability period. Therefore in order to investigate the claim we will request the medical records and confirm the information on the application for insurance.

Due to [redacted] regulations, medical facilities require specific information in order to release records to anyone after the patient is deceased. Therefore, these requirements include the claims forms and medical records request must be signed by the next of kin.

In order for us to proceed with this claim according to Ms. [redacted]'s request we will need the appropriate medical records to review. As we advised her previously, if she is able to get us the documentation needed to continue with the claim process we will be happy to do so. Otherwise the most that we can do is refund all premiums paid on the policy upon receipt of a written request from Ms. [redacted].

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 [redacted].

Sincerely,

Manager

Policy Benefits

First an "agent" showed up unannounced during dinner at my home(clearly marked with NO TRESPASSING/BEWARE OF DOG signs.after finally getting rid of this person,I once again contacted this company re:purchasing a policy,setting an appointment with a qualified rep.I was contacted by a Miss Sandra B[redacted] of Sumter S.C. who met with me in Columbia S.C. We discussed purchase of a policyfor life insurance only,signed the agreement ,she then took my deposit of $75.00 and assured me I was covered and would get the policy to me...After waiting patiently almost a month to no avail I again contacted her in ref.to the policy..She apologized for the slow response due to death in family,personal sickness etc...again assuring me that I was covered and vowing to get the policy to me..after another month with more "weak issues " to explain why I had not received the policy,she assured me that it had been issued and she just needed to meet me again to issue the policy to me.I told her that since almost three months had past,I was no longer interested in her company and did not appreciate being led on or lied to repeatedly,I told her at that time to simply mail my deposit back to me,a process that normally would take one or two days (Sumter to Columbia)I am still waiting.......This has been another month now,she no longer answers the phone when I call,[redacted] of a way to do business.I highly recommend anyone go anywhere else but this company,Defrauding a veteran and American citizen is not my idea of an upstanding company.I realize I will never see my money again and am Thankful that I see the true colors of this "COMPANY"Being as old as I am,I have lots of friends in this area and have no qualms about telling them all about my experience with this outfit..SHAME on you SANDRA [redacted] of Sumter S.C. Karma is a b..ch as well !!!!!!!!

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.

It is not that I am not satisfied.  I will have to wait until I am sure that I will not receive any correspondence re:  funeral planning. When I am satisfied that I am truly off ALL the mailing list, I would be happy to accept this response. Having requested they remove my name from the mailing list several times and being ignored, I am not so sure this has been done. Only time will tell. 

Regards,[redacted]

We received your letter of January 13, 2015 along with Ms. [redacted] response. She states “I will have to wait until I am sure that I will not receive any correspondence re: funeral planning. When I am satisfied that I am truly off ALL the mailing list, I would be happy to accept this response.”As explained in our letter of January 13th we have confirmation that her name and address have been removed from our vendor’s mailing list. We cannot guarantee that she will not receive mailers sent by other vendors representing other insurance companies.I can be reached by email at [redacted] or by phone at our toll free number ###-###-####.

We have received your additional correspondence and appreciate the opportunity to respond. We were just notified today that our agent, [redacted], in fact has passed away.  I called and spoke to Ms. [redacted] today regarding her complaint. I did not want to have her fill out paperwork to apply for reinstatement again if her mom would not qualify. I asked her if her mother was currently in a hospital or nursing home. She said her mom was in a nursing home. Unfortunately, according to our under writing guidelines, that will not allow us to reinstate her coverage. I told her she had the option of keeping the $134 reduced paid-up coverage or surrendering for $99.97 cash value. She said her lawyer would contact me.  We hope this information has been helpful to you. We feel we have abided by the terms of the contract since the policy lapsed and the insured cannot qualify for reinstatement.  Please 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.]

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]

Thank you for forwarding the information to

0.75pt;"> 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.

[redacted] took this policy out in March 2012. The premiums on this account were drafted from Ms. [redacted]'s checking account on a monthly basis until November 2012 when the draft was returned stating the account was frozen. On November 5, 2013 a notice was sent to Ms. [redacted] regarding the premium return. On December 2, 2013 we received a telephone call from Ms. [redacted] stating that the account was good and requested us to draft the premium December 4, 2013.  On December 5, 2013 we were notified that the draft was returned again stating the account was frozen and we sent a notice to Ms. [redacted] that her policy was lapsed due to non-payment. On December 27, 2013 we received a request from Ms. [redacted] to send a reinstatement form and she was advised that we would need three months of premium. This form was received after Ms. [redacted] passed away but with no premium enclosed. Ms.  [redacted] passed away January 18, 2014. Enclosed are copies of the notices mentioned above for your reference. Also enclosed Is a copy of the premium history.

Please note that according to the provisions of the contract there is a reduced paid up value of $651.00 available which will be paid upon the receipt of the death certificate.

We hope this information is of assistance to you.  Please feel free to contact me with any further questions regarding this claim at [redacted].

Dear Sir or Madam: We received your letter of September 25, 2015 along with [redacted] customer complaint. We appreciate the opportunity to respond to this matter[redacted] responded to a television advertisement on September 8, 2015. His information was given to an agent on September...

12th to contact. We have noted in our Responders Record to not contact [redacted] and have informed the agent not to have any further contact with [redacted] or anyone at that address. We have also assigned a Direct Mail suppression with his name and address so that he would not receive any future mailings. This was done on September 25th, the same day we received your correspondence. I can be reached by email at [redacted] or by phone at our toll free number [redacted] Sincerely,[redacted]