Mutual Savings Life

A life insurance policy was wrongfully written on my daughter, she committed suicide, and her uncle became $50,000 richer. I had tried to get insurance on her, but was advised by another insurance company that she was high risk due to her addiction to pain meds, seizures, numerous hospital visits due to falls and broken bones...so how did he get her covered? Found out that her uncle had a buddy who worked for MSL and he wrote the policies. He said she signed the application but refused to let me see her signature. I found out also her uncle has policies on his nephew and stepson. HOW CAN THIS BE? Who signed for the insurance company to assess her health information. There alone is a violation, this whole thing is crooked, and her uncle is reaping the reward of her death, plus, he and his buddies clipped Kemper Ins of $50,000! Is there a reward>>>? My daughter hated her uncle, he never took care of her, and if she had $50,000 then she would have given it to her son. If this has happened then it has happened before to some poor families. Please help me!

Initial Business Response / [redacted] (1000, 11, 2015/12/11) */ Dear Dispute Resolution Department: Your letter dated December 3, regarding above complaint was referred to me for review and responseMr [redacted] is inquiring about a claim filed as the result of the death of [redacted] Policy number XXXXXXXXXX was originally issued by United Security Life Insurance Company in the State of Alabama as a Ten Year Pay policy insuring [redacted] for $The named beneficiary was [redacted] Several letters were sent requesting a Claimant's Statement to be completed by the primary beneficiary [redacted] Upon being notified that [redacted] was deceased, [redacted] completed the Claimant's Statement and the claim was processedThe Company's Check number XXXXXX was issued December 2, payable to [redacted] in the amount of $ Should you have additional questions, you may reach me at X-XXX-XXX-XXXX extension [redacted] Sincerely, [redacted] Consumer Affairs Specialist Initial Consumer Rebuttal / [redacted] (2000, 13, 2015/12/11) */ (The consumer indicated he/she ACCEPTED the response from the business.) The company recently paid the claim thanks

December 8, ***, [redacted] B [redacted] TX Dear [redacted] ***: We have received your claim for damages that occurred on 11/18/ This is to advise you that your claims has been assigned to an Independent Claims Adjuster for as assessment of your damageThe adjuster will be in contact with you regarding your claim If you have any questions in the interim, please contact the Independent Claims Adjuster's office at [redacted] Property Claims attached are claim report with photo's for more ingo (photos.tif)

Complaint: [redacted] I am rejecting this response because: I provided the death certificate as requested and a letter indicating that I no longer required the insurance coverage as of October 31, absolving the company of any claims as of this date forwardWhy is it necessary to provide them a copy of the bill of sale? Sincerely, [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 meI got a statement the next day but still is wrongMaybe the next month it'll be right since thwere system generate before they actually input my amounts Thanks for your help Sincerely, [redacted] ***

Initial Business Response / [redacted] (1000, 5, 2015/12/02) */ December 2, Revdex.com Serving Eastern Missouri and Southern Illinois NBroadway, Ste Saint Louis, MO XXXXX RE: Case # XXXXXXX: [redacted] Dear Sir/Madam: A complaint filed by Mr [redacted] has been referred to my attention for reviewMr [redacted] states that his policy has disability waiver of premium and has been trying to utilize this benefit for the last few yearsHe is requesting for his contract to be honored Policy number XXXXXXXXXX is a Twenty Payment Life policy issued on May 13, The initial Waiver of Premium form was received December 3, Several letters were mailed to the insured requesting additional informationThe requested documents were never received therefore the case was closed A second request was received on October 16, However, the Retirement, Survivors, and Disability Insurance form received from Social Security was dated December 19, Therefore, we requested a current treating physician's statement indicating that he is still disabled or a copy of the current letter from the Social Security AdministrationTo date, we have not received a current document In order to resolve the claim, the requested documents are requiredIf you or Mr [redacted] has additional questions regarding this matter, please contact me at XXX-XXX-XXXX Sincerely, [redacted] Consumer Affairs Specialist

Initial Business Response / [redacted] (1000, 9, 2015/10/06) */

[redacted] received your letter dated January 29, regarding the above referenced file which was referred to my attention for review and response [redacted] is inquiring about payments he has made on his policies He states he wants ***, the supervisor, to call him back[redacted] and [redacted] have spoken and Mr [redacted] is aware that the premium for Policy number [redacted] insuring [redacted] is due for the month of January and that Policy number [redacted] insuring [redacted] is due for the month of February 2018.If I can be of further assistance, please contact me at [redacted] extension ***

On behalf of Reliable Life Insurance Company, I acknowledge receipt of the complaint filed with your agency by [redacted] The matter has been referred to my attention for review and response.The Home Office received the request for return of premiums under right to examine policy on May 8, The request was sent to the District Manager for approval on May 15, The District Manager responded on May 16, The Home Office processed the request on May 23, The Company issued a refund to [redacted] on May 23, in the amount of $602.34.It is the Company's expectation that this settles the matter for the compalinant If you have further questions, you may contact Consumer Affairs at 800-791-

United Casualty Insurance Company of America received your letter dated March 1, regarding the above referenced file which was referred to my attention for review and response [redacted] is inquiring about claims she filed as the result of the death of her son, [redacted] .The checks for the claim on the two policies, [redacted] and [redacted] were issued on January 3, payable to [redacted] and mailed to [redacted] **., Chicago, IL which is the address Ms [redacted] put on the Claimant's Statement A copy is attached Neither of the checks have been cashed As a result of receiving this complaint from the Revdex.com and her indicating her address is [redacted] , Chicago, IL 60643, the Company is reissuing both checks to be sent to this address.If I can be of further assistance, please contact me at [redacted] extension ***

The account number is listed as *** under *** *** with seven new policy numbers unseen before spouse two sons and three daughters She and *** *** *** has been paying on this account for a total of fifty years monthly Lillie is the policy name responsible for
payments her new acct number listed as *** other accts *** *** *** *** *** and *** family members policy was written years ago under *** *** for the insuredWe all have received Notice of NonForfeiture Option Due to Lapse without proper warnings of decision and no prior bills notifying us of any problems because of problematic billing issues A cycle which happened prior year at same time THe bill is only monthly but never received any bills notifying us of any problems

The Company received your letter dated February 16, in regard to the above referenced file which was referred to my attention for review and response. *** *** claims she cannot reach anyone anymore and that she is being told that her policy has changed.Policy number *** was
issued November 1, insuring the dwelling and contents at *** *** *** *** ** ***. The monthly premium is $99.39. Attached is a copy of the policy and payment history.Nothing has changed about Ms***'s policy. Ms*** can contact her Agent *** *** at *** with questions or concerns about her policyIf I can be of further assistance, please contact me at *** extension ***

see attached

Complaint: ***
I am rejecting this response because:
I have not received a refundIt should not have taken the manager three os more weeks to respond to the insurance agent *** *** to review the refund requestI have been trying to get everything settled with Reliable Life since the 8th of March!
Sincerely,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meHowever, I would like to keep the complaint open until the Company follow through with their actionsThey
suggest that a refund is being processed and will be issued once completeUntil I am in receipt of the disbursement, I would like the case to remain open
Sincerely,
*** ***

Complaint: ***
I am rejecting this response because: They sent the same findings to the Louisiana state insurance commissioner's officeI sent agent *** *** proof of May and June bank statement and canceled checks from Whitney Bank proving they was paid for
those monthsI also spoke to Union National district manager, ***, in reference to the lies Union National Insurance stated to the Louisiana state insurance commissioner's office and Revdex.com. Sincerely, *** ***

The Reliable Life Insurance company received your letter dated August 9, regarding the above referenced file which was referred to my attention for review and response. *** *** states she mailed her payment for $to pay for the months of June and July 2017.The payment for
June and July was posted on August 14, 2017. Attached are payment histories showing that the payment was applied.If I can be of further assistance, please contact me at *** *** ***

Complaint: ***
I am rejecting this response because, it is unacceptable because we never received this letter stating that the policy had lapse in fact when I called in Nov we were told we were all caught upWe have been sending in money orders for both policies for all of
since I took over his account & our account does not show over payment on the account that they are stating is currently in good standingsI spoke with *** ***, ALMI Manager, Customer Service who currently can not find the money order that was sent July & Cashed on July 27th for $& still not applied to our account
Every month I have been calling about both accounts asking why one has lapse with no mention of reinstating that policy until today - when the Revdex.com has contacted themI wrote to this company in July & sent in payment of $& I still have not received a response but they cashed my money order & still have not applied to my dad's policySO NO THIS RESPONSE IS NOT ACCEPTED & WILL NOT BE ACCEPTED UNTIL MY DADS POLICY REFLECTS THE CORRECT BALANCE &/OR CREDIT
Thank you,
Mrs*** *** (***)

Initial Business Response /* (1000, 6, 2015/07/17) */
This correspondence is in reference to you letter dated January 19, assigned for my review and response on January 30, The complainant stating that she has received one of our customers information mailed to her by mistakeThe
complainant is not the same person as the insured listed above
On behalf of our company, I apologize for any miscommunications between the complainant and the Home Office here in StLouis, MOWe always strive to satisfy our clients, once we are alerted to any situation that may have occurred
I contacted our insures *** M*** (Our Insured) to verify her address and realized that we did have the incorrect address on her accountI was able to have the correct address placed onto the account of our customer *** M***The complainant *** *** (Non Insured) will no longer receive any mail concerning our customer *** M***
I hope I have adequately answered all of the concerns of the complaint
Please do not hesitate to contact me, if you need further assistance at X-XXX-XXX-XXXX ext***

Please see attached