Lincoln Heritage Life Insurance Company

Please find out response attached.
Thank you
Trevor W[redacted]

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,

My Mother started an account with Lincoln Heritage in 2010 after my Dad passed away. The first policy was for $5,000, which she got for like $40 something a month and matured in 5yrs. She decided to get another one in 2013 for $30 something a month for $3000 that matured in three years. She was paying $70 something a month for these two policies. This was despite the fact that she was a lung cancer survivor as well as having high blood pressure and high cholesterol. (She was able to get these policies without having to have a doctors check up, btw.) Unfortunately, my mother died of brain cancer in February of 2015. As her beneficiary I was expecting for it to be a long, drawn out process to claim her life insurance. To my surprise it was a very easy process. When I was ready I called the number, told them why I was calling, and was directed to what to do by a very nice, understanding, and empathetic employee. After faxing them my Mom's death certificate, I was sent a check for $5,952 within two weeks.(She made it to the five year policy, but not the three.) I was very impressed by how expedient this process was. I plan on using this company now that I am in a position to buy life insurance and am recommending it to family members.

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]

We have received your correspondence and appreciate the opportunity to respond.  TheNAIC number for Lincoln Heritage Life Insurance Company is [redacted].We have spoken with [redacted] numerous times and were attempting to accommodate her request for an agent to come to her home...

even though her request is easily accomplished with a simple form by mail.  A copy of the form is attached.  She has already reduced her policy once and wants to do so again.  However, the writing agent is unable to meet with her before the holidays as [redacted] demands.  She has called our office 40 times in the past month.  She is extremely abusive and usually ends up hanging up on our customer service representative.I personally called [redacted] yesterday and left a message for her to call me so we could try to resolve this situation.  She called me back this morning and we spoke for about 20 minutes.  I thought we were making progress. I had told her I would not be able to have an agent out to see her before the holidays but her agent had agreed to meet with her shortly after.  I also offered to give her all of her options by phone and walk her through the document required to make the change.  She ended up hanging up on me. I went into a meeting and she called our customer service department 16 times over two hours.  She spoke to 14 different representatives  and was abusive to each one of them.  Each representative and manager has attempted to provide her with a high level of customer service.  Unfortunately,  I do not think [redacted] can be reasoned with.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.

Please see attached.

[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,

Michael C[redacted]

We have received your correspondence and appreciate the opportunity to respond. Please find enclosed a copy of our letter to the above policyholder, [redacted]. Her policy was mailed to the writing agent, [redacted] for delivery on April 23, 2015. Since she had not received...

it, we sent a copy directly to her via [redacted] today. She will have it by 10:30 am tomorrow.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.

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

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

Revdex.com [redacted] 

[redacted] RE: Complaint ID[redacted] Dear Sir or Madam: We received your letter of October 20, 2014 along with [redacted] customer complaint....

We appreciate the opportunity to respond to this matter. We use a mailing list provided by a vendor and have removed [redacted] name from this list. According to our records, she has responded twice to our mailings; we received one on 5/20/2014 and one on 10/06/2014. An agent was given the first response to follow up. The second response has been discarded. Please find attached the confirmation showing her record has been removed from the mailing list. I can be reached by email at [redacted] or by phone at our toll free number [redacted]. Sincerely, [redacted] Manager/Compliance Department

We have received your correspondence and appreciate the opportunity to respond.  We have attempted to obtain a statement from our agent, [redacted] but were unable to do so. We believe that he is gravely ill and may have passed away.We have spoken to Ms. [redacted] regarding her complaint....

 She gave us the name and address of the facility that her mother, [redacted] resides in.  We attempted to contact the facility to see what level of care they provide so that we may determine the possibility of reinstating the policy.  The administrator at the [redacted] said that Ms. [redacted] was not currently in residence and the facility was under new management as of July I, 2014.  We have left two messages (January 9 and 14) for Ms. [redacted] that have not been returned.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 received your letter of January 9, 2015 along with Ms. [redacted] customer complaint. We appreciate the opportunity to respond to this matter.We use a mailing list provided by a vendor and have removed Ms. [redacted] name from this list. This was done on January 9th, the same day we...

received your correspondence.Please find attached the confirmation showing her record has been removed from the mailing list.I can be reached by email at [redacted] or by phone at our toll free number ###-###-####

[redacted]  [redacted]

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,

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 tried to reason with Lincoln Heritage.  They continually refused to provide me answers when I called.  That is why I called more than one time a day.  I needed answers and they refused to provide them.  One of the things was:
1.  I need an agent out here before the 25th.  Why?  Because Lincoln let there agents sit on it for 6 months and leave me hanging in the wings.  
2.  I asked for a reduction in face amount of the policy because we are having financial problems.  I do not think Lincoln cares.  I told them this and they tried to push me into higher coverage and I resisted.  I believe it is THEM who cannot be reasoned with.
3.  My husband called but not to discuss amounts or payment.  It was regarding their attitude that they were displaying. He spoke to [redacted].               They ( Lincoln) violated HIPAA law and went around me WITHOUT my knowledge and spoke to my husband about amounts, etc.  Then they turned around and said they only want to talk to my husband about my policy and never me!  This is totally unacceptable!  I am the policy holder, not my husband.  Lincoln had no written permission to do this.  Just because he is my beneficiary does not give them the right to violate HIPAA law and speak to him.
4.  When I told them I did not want to speak to answering machines, they forwarded me to them anyway.  The most often being [redacted] who is the VP of customer service.  Yes I did speak my mind to her seeing she as well as others did NOT want to help me before the holidays by sending an agent out.  Yes they horsed around and all that stuff for 6 months and then have the nerve tell me to sit tight after I have waited and waited. Now they want to do business by phone and I told them no, that is unacceptable.  I want to SEE the documentation in PERSON.  I do not want this email, US mail back and forth stuff.  They were very resistant to that.   
5.  They did not want to help me out in the past 6 months nor do I think they are serious now.  I want ALL my money back that I paid out on this policy for the past 6 months.  They did not help me out and I refuse to do business with ever again!  They are a pitiful place to have on Americas Life Insurance Market.  
Having said this, I am looking for another life ins company and WILL NOT inform Lincoln of any changes or the new company.  They made their bed and they can sleep in it.  If I ever get any more US mail, emails, etc I will file with authorities.

Regards,[redacted]

Attached is the response for ID #[redacted], [redacted]. Included with the letter is a copy of the signed authorization to draft her account and a copy of the check sent to Mrs. Black reimbursing the bank fee she incurred.If I can be of further assistance please let me...

know.Sincerely,[redacted]Vice President

Review: This letter is a complaint about a company in your area. The company is Lincoln Heritage Life

Insurance Co., [redacted].

On October 20, 2014, I returned Policy No. [redacted] to Lincoln Heritage by Certified Mail as I did not want this insurance and wanted to cancel the policy. A copy of my letter dated October 20th is attached along with a copy of their Notice Of Thirty-Day Right To Examine Policy. A copy of the Certified Mail Receipt is also attached. I also requested a reimbursement of the $54.04 Initial Deposit which was presented to their local representative on October 9th.

On November 1st I wrote to Lincoln Heritage to the person to whom I had returned the policy. In the absence of any response from Lincoln Heritage, my husband called them and spoke with

Ms. Maria? in their Policy Holder Service Center on November 3'd and she confirmed their

receipt of my letter returning the policy. She further advise that the reimbursement check should be mailed by November 12th.Desired Settlement: To date, I have not received any response from Lincoln Heritage nor a reimbursement check, I would appreciate any effort you can make to bring this matter to a satisfactory conclusion.

Business

Response:

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.

Lincoln heritage would not pay the policy my husband had with them he died 8 days before the 2 yrs limit was up. they claimed he did not put the name of the medicine he was taking on the application. they told me they could only pay what he paid into the insurance and that was the best thing for me and them. they also told the only way I could get the insurance money if I have the doctor to say his medical reports was wrong.. I will not recommend this company to anyone

This company is very mis leading. We bought the policies and they do not honor them. The sales person is very persistant on selling the polices and the company does not stand behind what they promise look at all the complaints. My husband and I our going to be taken legal action against them. We are left paying for a funeral of my mother in law that fell and broke her hip on an accident. I will make sure I tell all my friends and family and co-workers about Lincoln Hertiage Insurance Company.

Review: When I seen there T V ad I contacted them by phone and gave my address AND PHONE NUMBER I had no ideal some [redacted] GUY WOULD SHOW up at my door with out so much as a phone call My wife was all alone I was not home I figured I would get something in the mail to fill out and I did telling some one would be coming by and we did 4 Days after He showed up and we get mail delivered every day at 10am 95% of the time THANKS FOR SCARING MY WIFE to DEATH AND GIVING HER A NERVOUS BREAK DOWN and your lucky you left because if you pressed you luck and tried to and put your foot to where she could not close the door what you did not know is there is a 44 mag that is in a holster that is mounted right below the door [redacted] so she was not holding the door [redacted] she was holding the gun and had you placed your foot insid you would have needed FUNERAL ADVANTAGEDesired Settlement: PUT IN YOUR T V AD SOMEONE WILL BE COMING WITH A PHONE CALL LETTING THEM KNOW YOUR MON THE WAY AND DON'T JUST SHOW UP without contact LIKE THIS GUY IF I HAD BEEN THERE IT WOULD BEEN A bad OUT COME

Business

Response:

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]