Lincoln Heritage Life Insurance Company

The salesman came to my house to give my wife a quote and I told him that she just wanted a quote, since my wife was contacting other life insurance companies and some how talk my wife into signing some documents saying that she needed to sign to get a quote, the man took a check from my wife and split, don't let this happens to you.

I feel like this salesman is a thieve, he made my wife sign docs without her reviewing them.

This insurance company is more about selling and making money than helping people with customer satisfaction. The day my mom was diagnose with cancer 2 years ago, she went straightly to buy insurance to help cover for funeral expenses. Imagine how my mom felt at that moment right after she was told that she had cancer all she though was I need to get help to cover for my own burial. My dad supporting her was present when she started to shop for insurances. Of course she will disclose her medical condition and all she wanted was help to cover funeral expenses, while this insurance promise to help her out. Appears now that the agent she went with filed out the application and put no to all medical conditions in order to get her approved. My mom passed away now and my dad was denied and won't be receiving nothing from the insurance because her condition was not disclosed supposedly. Instead of making a more ease way to go through a loss and the process, we just been having headaches with this insurance company.

Review: In the latter part of March or early April I sent a card to your company in regards to funeral insurance. On April 10, 2015 [redacted], field manager, and [redacted], sales representative, stopped at our residence and my daughter, [redacted], and I signed up for the coverage. My daughter received her policy on May 3rd, and of this date I have not received my copy. WHY????? A letter written by [redacted], dated April 21 , 2015, and 1 received on May 4th, stated that my policy number is as mentioned above. It also mentions that the premium will be withdrawn from my bank account on the 3rd of each month. I told [redacted] and [redacted] that my Social Security check is deposited on the third Wednesday of each month. I might add here that due to paying off my late husbands scams and your wonderful is in Washington D.C. denying us a raise for two years 1 am broke and living from paycheck to paycheck. I called [redacted] before today and again shortly after 1 p.m. this afternoon asking where my policy was. He said that he would email a copy of it to me. It is now 6 p.m. and still no policy. 1 am not putting the blame on [redacted] or [redacted]. The blame is somewhere in your office. To put it "lady like" someone is sitting on their "back porch." Back when I was doing office work if the papers were not completed within one to two weeks (depending on how many pages), I would have received a severe lecture and after the third time, handed my walking papers. My personal opinion is that someone in your organization needs to crack the whip. Desired Settlement: May 12, 2015.10:35 a.m. Mail has been delivered and still NO POLICY!!!

Business

Response:

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.

Consumer

Response:

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,

Business

Response:

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.

TOTAL SCAM!!!! Never use this company for life insurance. My grandmother never received a bill from them, and later they cancelled the policy due to non-payment on a policy she thought she was paying. When she wanted to reinstate it, they said she couldn't due to her new condition in hospice care. Complete rip-off. They made more money on her, than we were able to use for her funeral. Complete scam artists that swindle old people. STAY AWAY.

The agent took time to explain everything to me in detail and made sure I understood how the product works. They showed me how their plan compared to my other options and allowed me to decide what is best for me and my family. The level of customer care and support is more than I have ever experienced with any other insurance company to date.

Review: Hello my name is [redacted] and I had it for five years and I thought it was 10.000 and it 3.000 for myself and j[redacted] and they was taken out 56.34 for fives and I had reeceive no papaer work or policy and then they requested that I need power of attorney and then they took out 89.20 a month and I was suppose to have whole life and they was scammin meDesired Settlement: refund of my money

After my spouse passed away the company help save me money on the funeral cost by speaking too several funeral homes. They also released the insurance money the next day. I would recommend to anyone liking for help regarding funeral expenses.

Review: Dear Sir or Madam,

Last year I responded to an advertisement from Lincoln Funeral Advantage (Senior Life Care Plan) that was geared for people 40-85 years old eligible of receiving help for final expenses.

It is over a year now and I have called numerous times and each time they promise that I will be contacted by mail or phone by someone in their company but I have never heard anything from them. I am 82 two years old and have been waiting over a year.

Their company is Lincoln Heritage Senior Care Plan and phone number is ###-###-####.

Thank you, [redacted]Desired Settlement: please see if they can have better customer care

Business

Response:

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].

Review: This company CONSTANTLY sends mail when I have repeatedly asked to be taken off their mailing list (in writing).

The envelope does not show the company sending this mail (which I find sneaky), so I have put the requestS in the "business reply mail" envelope, going to the processing center in [redacted].

There is NO CUSTOMER SERVICE PHONE NUMBER or CONTACT INFORMATION to reach this company.

I AM FEELING HARASSED and WANT THESE ADVERTISEMENTS TO STOP.

I DO NOT WANT ANY FURTHER MAIL FROM Funeral Advantage Program (Lincoln Heritage) and

I WANT TO BE REMOVED FROM THEIR MAILING LIST PERMANENTLY.

I PLAN ON REPORTING THEM TO THE [redacted] as well, because these mailings upset me greatly.Desired Settlement: REMOVE MY NAME and ADDRESS FROM THEIR MAILING LIST and STOP SENDING ME ANY FUTURE MAILINGS.

I would like them to send me CONFIRMATION that I AM NO LONGER ON THEIR MAILING LIST and WILL NOT RECEIVE MAIL FROM THEM AGAIN.

Business

Response:

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 ###-###-####

Consumer

Response:

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]

Business

Response:

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 ###-###-####.

Review: [redacted]I have repeatedly contacted LHLIC requesting to be removed from all contact/advertising lists. I do NOT want to be contacted by LHLIC via email/phone/mail/flyers at ALL thank you! [redacted]Desired Settlement: I have repeatedly contacted LHLIC requesting to be removed from all contact/advertising lists. I do NOT want to be contacted by LHLIC via email/phone/mail/flyers at ALL thank you! --RF

Review: Issue:

“In reviewing the health records for the above noted insured, it appears that the following health condition (s) were not disclosed on the application:

Drug abuse”

Incorrect information on the application:

The application states: “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”

Note: Conditions list one (1) through nine (9), Seven (7) is the condition in question by Lincoln Heritage

Facts:

1. The date of execution of the application was August 27, 2013.

2. Two (2) year period is from August 27, 2011 through August 27, 2013.

3. Lincoln Heritage Representative completing the “Application for Individual Life Insurance” on behalf of [redacted].

4. The Primary Beneficiary (known heron in as [redacted]) was present at the time of Lincoln Heritage Representative completing the “Application for Individual Life Insurance” on behalf of [redacted].

5. The application has multiple errors.

6. The phone number for [redacted] is incorrect ([redacted]). The Lincoln Heritage Representative managed to enter the “same” number correctly in the “Owner Information” section and phone number for [redacted] in the “Applicant Information” section [redacted]).

7. The “Contingent Beneficiary” (Vickie) first name is spelled incorrectly ([redacted]).

8. [redacted] heard [redacted] inform the Lincoln Heritage Representative that he was a recovering drug addict.

9. [redacted] was NOT diagnosed as a “drug abuse” during the period of August 27, 2011 through August 27, 2013.

10. [redacted] informing the doctor he had a history of Drug abuse, this does NOT indicate that it is a current issue it was provided for medical history to assist in treating the reason for the visit.

11. [redacted] was NOT in treatment for Alcohol or Drug abuse during the period of August 27, 2011 through August 27, 2013.

12. [redacted] was NOT being medicated for Alcohol or Drug abuse during the period of August 27, 2011 through August 27, 2013.Desired Settlement: I would like for Lincoln Heritage to payout the $5000.00 on the policy as purchased. They refunded $600.70 in a check. This check was NOT cashed do to this dispute.

Consumer

Response:

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 contacted Lincoln Heritage months ago, about it's so-called ' Funeral Advantage ' plan. It was several weeks after that contact before I received any communication from the company and it was in the form of a letter stating that ' due to the extreme demand for it's product, it would be several more weeks before someone contacted me about funeral planning. 3 months later a representative calls and as I was explaining to him that I had moved on and why he asked curtly " Then, why did you call? " and hung up on me.... Now, I know it was ' a blessing in disguise ' that I'm not doing business with Lincoln Heritage.

Run away. My father purchashed a plan from Lincoln Heritage that promised "Family Support Services" and "Helps surviving loved ones cope, blah, blah, blah". The Funeral Consumer Gaurdian Society are less gaurdians and more like a Nest of PIT VIPERS. When hospice called to report my father's death this morning, an answering service answered the call. The woman who answered LAUGHED at the hospice nurse who called before putting her on hold for several minutes only to return tell her that the family had to be the one to call. When my mother called, the woman who answered was condescending and told my mother to 'Only answer questions that are being asked and nothing more'. The following number was subsequently called: [redacted]. An answering machine picked up and said to call back during normal business hours. At the time this call was placed it indeed was during normal business hours. These employees are dispicable. Also, there is no email address on this company's website.

Review: My mother died 3 years ago and about every 6 months this company likes to remind me by sending her an application to buy funeral insurance. I have called and been told they have removed my /her info and won't get any more. I got another one today. I have found more complaints about this company than anything and maybe someone should look into how they prey on the sick and elderly. Just remove my address from whatever database they use is all I am asking.

Review: I originally had an agent who since the beginning of my policy, has now decided to make herself scarce. I tried to contact her to no avail. I then asked Headquarters for a new agent. She was to meet with me yesterday Dec 5. She failed. Instead she tried to use calling me as an excuse, stating she would of said the same thing. I disagreed as I may have had questions in order to change my coverage and continue my policy. Possibly even take out a new one and cancel the existing one. I did not know and needed to speak to someone in person. I made this explicit and clear to HQ in Phoenix AZ and they said OK. We will make sure it happens. Well, I never met her either. I called them again today, Saturday Dec 6, and now they are making up excuses and yelling over me on the phone. They continually ask me what can I do for you? This is AFTER I explain the problem, as they wanted me to because they asked me what the problem was they could assist with. They refuse to help me before the holidays yet they can lolly-gag around for months on end and then this. This is not customer service. They are being negligent in their duties, not servicing the policy, lying to me and my husband (who was on the call yesterday and then called them back himself for clarification and got the same run around.) We are not tolerating this. This is not only failure to respond to phone calls or writen requests as the first agent did, but negligence in their duties and customer service of the worst kind.Desired Settlement: To get an agent to come to my home before Christmas and get a policy, new policy, in place. I want to see the papers in writing and ask questions at that time so all is clarified and not go back and forth with headquarters (HQ) about this. THey also need to listen and not say so what. Now what is your question? When I just explained the problem to them. Otherwise they need to get out of insurance altogether and do a different line of work.

Business

Response:

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.

I am so disgusted with this company. My mother passed away Sept 6th and I still haven't received any money from her policy and looks like I never will. I was her power of attorney and medical power of attorney, spoke with the agent she received this insurance from and everything was suppose to go smoothly when she passed, anything but that. They are contesting her policy because she was two months shy of having this insurance for two years. Now, they want me to get medical records from the hospital which the medical records department won't let me because the POA and Medical POA is no longer valid after someone dies. They said I have to go to probate court file a 300 fee, which I do not have to open a Administrative. I've never in my life heard of this non sense, they should be responsible to get her medical records, not me. They are the ones who want them. So guess they just screwed my mom out of all her policy money making things so much more difficult at this time. I will let everyone I know to never use Lincoln Heritage, they are scammers

Review: I have asked Lincoln Heritage FUNERAL ADVANTAGE to get me of your mailing list numerous times I do not want to be reminded every week that I will die. I have an emotional issue from childhood >Your letters have become an harassmentDesired Settlement: If you do not stop immediately , I will follow with legal action.

Business

Response:

Revdex.com [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

Review: I would like thislife insurance company they are telling iam two months behind iam not I would like this matter look intoDesired Settlement: I would like to know what happen to all my money I have been sending in to them I didn't have any problmes until now here is the name of them policy #[redacted] so I wont this all resolved

Review: In May 2013, my husband and I bought 2 life insurance policies. We told the salesman we really didnt think we could afford it but he talked us into it anyway, They state that if you cancel within 30 days, your premium will be returned. The debited my account $91.72 a week before they were suppose to. I canceled both policies within the allotted time and was told I would get my premium back. I had to call two weeks later just to be told that I had to have two forms signed and mailed back to them first. It took 8 days for the form to get to me and I signed them on May 25, 2013 and mailed them back. THREE weeks later I called and they said they would have to send me some more that they didn't get them. Two 1/2 weeks later they said they did not get those either. GET FOR REAL!!!!! I mailed them both times in their pre addressed envelopes. I can not get an answer nor anyone to take my calls. My husband and I need our premium back. I am the one calling and trying to solve this and they don't care, They have my premium so whats the problem!!!!Desired Settlement: I only want what they said was mine. A refund of my premium of $91.72 and they put me on a DO NOT CALL LIST!!!

Business

Response:

Called Mr. & Mrs. [redacted] and left msg for them to call me. We simply need a signed request to cxl and we will gladly refund the initial premium. We have sent forms out twice already but have not received anything back. They can fax the request to my attention at [redacted] and I will expedite the refund.

Sincerely,

Vice President, Policyholder Service

Lincoln Heritgae Life Insurance Company.

Consumer

Response:

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,

Lincoln heritage is a great company. There is only good with this company. Just bad agents. Agents who look for the money and not work with in that person's mean is going to cause people nothing but trouble. Read those questions carefully and make sure you tell the people who talk to you over the phone, that you take meds, if the agent doesn't ask you.