Mutual Savings Life

Initial Business Response /* (1000, 12, 2015/12/28) */
Initial Consumer Rebuttal /* (3000, 16, 2015/12/29) */
I had (illegible) Revdex.com of Huntsville Alaon a complaint on Mutual Savings Life InsSince they have their office to StLouis in while (illegible) they are not the (illegible) company
they use to be you ask for (illegible) information and you can't get itAs it is they dont want to give you information you wantANd the information I want cand be done for I have had another insurance company that will give you what you ask forI will be looking to hearing from you
Policy No XXXXXXXXXX

Complaint: ***
I am rejecting this response because: They only gave you policies number which I have I admitted in the past I might miss December and pay two months in January but that wasn't the case in I paid in Octand I paid for Novand DecIn Nov and the
system still generated letters? Ms*** is incorrect about the number of policies I have with *** ***, policy #'s ***., ***, ***, *** and *** are All my policyI've talked to that office three times starting in December thru January and shouldn't have gotten letterers two months in a rowVery seldom my payments be later in month to make their system send me a letterThis happens every year in January for the last or so yearsI talked to *** in Decand I talked to *** on 12/27/and assured me that I will get letters in JanuaryI pay my bill the first week of every month so how can it be lateI haven't received any statement yetI just sent in my March premium this weekend without a statement because I was told last month that February is when my next payment is dueNow she saying March I keep getting different information from different people in that officeThe policy lapses after days I was told since + yrs ago*** is not my group number eitherThe problem started this time when two of my son's was taken off as riders since they have grown and that policy number is *** which seems to have disappeared show-howThat premium is I was told is $and all together is $monthlyI was told differently but a few dollars offI have had Policy as a family since and don't understand how it got mixed up since my two son was no longer a rider which still left me as the insured since I open that account

I am years old but I still take off my businessI been with this Insurance cofor a long timeYears ago when I had storm damage, they paid but last two time they did pay but I took my own money and fixed itNow shingles and roofing has been blowed offI can't take picture I cant get on the top of the houseA friend went up there and did have a camera they said it was going to be a lot to get it fixedWith labor and all the other things over $7,to $8,My premium was $5798/mo took the policy out in
DR: $8,or more

My response is attached Please let me know if there is anything else that I can assist with Mr*** ***

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, 2017.  The request was sent to the District Manager for approval on May 15, 2017.  The District Manager responded on May 16, 2017.  The Home Office processed the request on May 23, 2017.  The Company issued a refund to [redacted] on May 23, 2017 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 800-791-4357.

Initial Business Response /* (1000, 11, 2015/12/11) */
Dear Dispute Resolution Department:
Your letter dated December 3, 2015 regarding above complaint was referred to me for review and response. Mr. [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 $100.00. 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 processed. The Company's Check number XXXXXX was issued December 2, 2015 payable to [redacted] in the amount of $105.00
Should you have additional questions, you may reach me at X-XXX-XXX-XXXX extension [redacted]
Sincerely,
[redacted]
Consumer Affairs Specialist
Initial Consumer Rebuttal /* (2000, 13, 2015/12/11) */
(The consumer indicated he/she ACCEPTED the response from the business.)
The company recently paid the claim thanks

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. I got a statement the next day but still is wrong. Maybe 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 /* (1000, 5, 2015/12/02) */
December 2, 2015
Revdex.com Serving Eastern Missouri and Southern Illinois
211 N. Broadway, Ste. 2060
Saint Louis, MO XXXXX
RE: Case # XXXXXXX: [redacted]
Dear Sir/Madam:
A complaint filed by Mr. [redacted] has...

been referred to my attention for review. Mr. [redacted] states that his policy has disability waiver of premium and has been trying to utilize this benefit for the last few years. He is requesting for his contract to be honored.
Policy number XXXXXXXXXX is a Twenty Payment Life policy issued on May 13, 2004.
The initial Waiver of Premium form was received December 3, 2015. Several letters were mailed to the insured requesting additional information. The requested documents were never received therefore the case was closed.
A second request was received on October 16, 2015. However, the Retirement, Survivors, and Disability Insurance form received from Social Security was dated December 19, 2014. 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 Administration. To date, we have not received a current document.
In order to resolve the claim, the requested documents are required. If you or Mr. [redacted] has additional questions regarding this matter, please contact me at XXX-XXX-XXXX.
Sincerely,
[redacted]
Consumer Affairs Specialist

The Company received your letter dated January 5, 2017 in regard to the above referenced file which was referred to my attention for review and response.  [redacted] states she has been requesting a refund of premiums paid for insurance on the property located at [redacted]...

[redacted] as the property was sold on October 25, 2016.  The policy premiums are paid through January 2017.The Company received Request for Policy Cancellation dated November 11, 2016 which states cancellation is due to death of the insured, [redacted].  In response to this request, the Company needed a death certificate for [redacted] and a bill of sale showing when the property was sold.  As of today's date, the Company has received the death certificate of [redacted], but no bill of sale indicating when the property was sold from which the premium refund can be calculated.  Upon receipt of the bill of sale, a refund can be processed.If I can be of further assistance, please contact me at [redacted] extension [redacted].

My response is attached. I have also put a copy in the mail.  Mr. [redacted] Consumer Affairs Specialist,  Legal Dept.

Please see attached.

Mutual Savings Life Insurance Company received your letter dated January 26, 2018 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 mother [redacted].While...

[redacted] provided neither a policy number nor her mother's name, I was able to communicate with her by email.  The claims were paid by check on January 29 and January 30, 2018, mailed to [redacted] at the address she provided.If I can be of further assistance, please contact me at [redacted] extension [redacted].

Initial Business Response /* (1000, 6, 2015/09/10) */

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, 2016 absolving the company of any claims as of this date forward. Why is it necessary to provide them a copy of the bill of sale?
Sincerely,
[redacted]

Good morning.  My response is attached. A hard copy will be sent to arrive tomorrow by FedEx.  I apologize for any delays.   Please let me know if there is anything else that I can assist with.   Mr. [redacted] (Thanks in advance for your assistance) Consumer Affairs...

Specialist,  Legal Dept.

United Casualty Insurance Company of America received your letter dated March 1, 2018 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, 2018 payable to [redacted] and mailed to [redacted]., Chicago, IL 60643 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 [redacted].

See attached

December 8, 2015
[redacted], [redacted] B
[redacted] [redacted]
[redacted] TX 76364
Dear [redacted]:
We have received your claim for damages that occurred on 11/18/15.
This is to advise you that your claims has been assigned to an Independent Claims Adjuster for as assessment of your damage. The 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]
[redacted]
Property Claims
attached are claim report with photo's for more ingo (1534519 photos.tif)

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

See attached.