Complaint [redacted] I am rejecting this response because: Mr Cropper has been very inconsistent in his assistance He failed repeatedly to respond with any details via email when we ended up not connecting on the phone And he has repeatedly provided and incorrect info when he did communicate He sent me a US mail letter saying the policy had been approved at a higher price, but failed to indicate the date of a deadline he had mentioned, the new price, or any of the "details" he mentioned needed to be addressed When I finally got the policy, the documents did not match up to our original conversation There is a request for EFT details for my bank account Conversation directly with Prudential says this is ONLY needed if the payment option is monthly I clearly indicated to Shaun Cropper that I wanted the less expensive annual payment He has my credit card info on file already and was supposed to accept the first (ANNUAL!) payment that way, but he still seems to be insisting on gathering my banking info that I do not want to give out and that should not be needed He failed to return either a voicemail or email on this issue This is only the latest of MANY issues of and misleading info from him Sincerely, [redacted]
We are sorry to hear that ** [redacted] is unhappy with his experience with SelectQuoteAfter research [redacted] this, it looks like the original issue stemmed from an email that [redacted] confirmed that he received the EFT information from ** [redacted] back on 6/22/It seems that ** [redacted] took that email as mean [redacted] the policy was re-instatedThe issue that triggered this complaint has a month gap from the time ** [redacted] received the email from [redacted] on 6/22/to when he issued this compliant on 2/5/During that time ** [redacted] should have received correspondence letters from [redacted] Financial regard [redacted] the payment and should have opened those letters from *** [redacted] was aware that the policy was not active soon after because he completed a reinstatement application and returned it directly back to [redacted] financial after correspondence emails between him and agent [redacted] ***Unfortunately, a bank authorization form dated in June cannot pay a premium payment in October/November[redacted] at SelectQuote has been working on this case for ** [redacted] She has confirmed that ** [redacted] 's mailing address matches what [redacted] financial has in their systemShe has also tried to get an exception from [redacted] Financial for **& **s [redacted] twice and both attempts were denied [redacted] did mail letters to **.& **s [redacted] request [redacted] payment but has not received the payment [redacted] has informed ** [redacted] the last request for exception to reinstatement the coverage was denied and that he is free to complete a new reinstatement application or reapply for a new policy
Initial Business Response / [redacted] (1000, 5, 2015/10/01) */ SelectQuote understands why Mr [redacted] is upsetHe believed that the exam vendor and United of Omaha were incompetent because they were searching for records from a Dr [redacted] on his wife and was convinced that she had never seen the doctor that they were requesting records from This actually was not the case, the medical records were ordered from Dr [redacted] because when United of Omaha did the RX data check at the beginning of the application process, it showed that Dr [redacted] prescribed medication to Mrs [redacted] and therefore ordered the medical records from Dr***United of Omaha did receive the medical records from Dr [redacted] back on 9/9/So, Mrs [redacted] did see him but she may have not recalled the name of Dr [redacted] since this was an urgent care visit at StLuke Hospital and was not her doctor Unfortunately, United of Omaha's Temporary Coverage Receipt is only valid for days from application submission and the [redacted] did sign the form acknowledging thisUnderwriting sometime takes longer then the days that Temporary coverage is valid forAlso, we have expedited retrieval of Dr [redacted] 's records as we have not received them as of todayOnce we receive the records, we will ask for a rushed decision on this case from United of OmahaWe hope to have this policy issued soon Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/10/08) */ (The consumer indicated he/she DID NOT accept the response from the business.) Not acceptable as the only way that any of the medical records work was put back on track was due to my own personal work (calls, visits, requests in-person of the medical office staff) and not one question asked of me or my wife why the could not get records from a Dr [redacted] who by the way is not and never has been the Primary Medical Service provider for my wifeDr [redacted] has been ever since [redacted] moved to [redacted] to be with meThis entire process through EMSI and Select Quote has been horrible to deal with once the applications were completedOn top of it, my wife now has the added stress of feeling discriminated against on this application since she was pregnant (just gave birth to our first child on October 1st) and had no term life coverage in the event she died during child birthThis entire time Select Quote didn't seem to care that the temporary coverage was dropped for my wife due to a 3rd party inability to do their job not by any fault of oursAt this point, I am not even sure if they would provide insurance coverage for my wife once they obtain her medical records since they have botched this entire process thus far and can only try to blame me or someone else for there inability to do their job I just want to have term life insurance coverage put in place for me and my wife, as we had initially signed up for back in MAYIf that is not possible, then I want a full refund of all fees paid to date to SelectQuote as well as EMSIFor our daughter, we will be pursuing life insurance options elsewhere Final Consumer Response / [redacted] (3000, 16, 2015/11/03) */ The issue is still not closed as Select Quote has cancelled my wife's insurance coverage againI am now forced to take the matters up with our attorney Final Business Response / [redacted] (4000, 18, 2015/11/11) */ United of Omaha received all necessary items and Mrs [redacted] 's policy went in force on 11/6/ Please let us know if we can help with anything else Sincerely, [redacted] SelectQuote Insurance Services
(The consumer indicated he/she DID NOT accept the response from the business.)The email I received from [redacted] stated confirmation that, "the payment is made and the accounts are up to date." The email was not merely confirm [redacted] receipt of the EFT forms as claimed in the Select Quote response, but that the payment had been processed to br [redacted] the account premiums up to dateThe payment amounts were annual premiums for policies, therefore those accounts should have been up to date for the follow [redacted] monthsThe period of time from June to November of that Select Quote refers to as a "month gap" falls well within the period that would be covered by an annual premiumDur [redacted] the months mentioned above, I was work [redacted] with [redacted] on the required medical paperwork to reinstate the policy while under the impression that payment was current on both accounts.We did not receive any correspondence from ***They claim to have sent it via regular mail, and I can't speak as to the fate of those letters [redacted] did not contact me regard [redacted] payment via phone or emailSelect Quote contacted me by via phone regard [redacted] the premium payments and I promptly provided the necessary informationWhy would Select Quote reach out to me to facilitate premium payments to bring the accounts up to date and then do nothing with the ETF forms provided? Not only did Select Quote fail to properly process the provided EFT paperwork, they incorrectly confirmed that the payment had been made and the accounts were up to dateSelect Quote has repeatedly state that [redacted] is not willing to re-instate the policiesMy issue is not with ***It is Select Quote's negligence that caused this problemWhat is Select Quote going to do to fix it?
Complaint [redacted] I am rejecting this response because: Mr Cropper has been very inconsistent in his assistance He failed repeatedly to respond with any details via email when we ended up not connecting on the phone And he has repeatedly provided and incorrect info when he did communicate He sent me a US mail letter saying the policy had been approved at a higher price, but failed to indicate the date of a deadline he had mentioned, the new price, or any of the "details" he mentioned needed to be addressed When I finally got the policy, the documents did not match up to our original conversation There is a request for EFT details for my bank account Conversation directly with Prudential says this is ONLY needed if the payment option is monthly I clearly indicated to Shaun Cropper that I wanted the less expensive annual payment He has my credit card info on file already and was supposed to accept the first (ANNUAL!) payment that way, but he still seems to be insisting on gathering my banking info that I do not want to give out and that should not be needed He failed to return either a voicemail or email on this issue This is only the latest of MANY issues of and misleading info from him Sincerely, [redacted]
We are sorry to hear that ** [redacted] is unhappy with his experience with SelectQuoteAfter research [redacted] this, it looks like the original issue stemmed from an email that [redacted] confirmed that he received the EFT information from ** [redacted] back on 6/22/It seems that ** [redacted] took that email as mean [redacted] the policy was re-instatedThe issue that triggered this complaint has a month gap from the time ** [redacted] received the email from [redacted] on 6/22/to when he issued this compliant on 2/5/During that time ** [redacted] should have received correspondence letters from [redacted] Financial regard [redacted] the payment and should have opened those letters from *** [redacted] was aware that the policy was not active soon after because he completed a reinstatement application and returned it directly back to [redacted] financial after correspondence emails between him and agent [redacted] ***Unfortunately, a bank authorization form dated in June cannot pay a premium payment in October/November[redacted] at SelectQuote has been working on this case for ** [redacted] She has confirmed that ** [redacted] 's mailing address matches what [redacted] financial has in their systemShe has also tried to get an exception from [redacted] Financial for **& **s [redacted] twice and both attempts were denied [redacted] did mail letters to **.& **s [redacted] request [redacted] payment but has not received the payment [redacted] has informed ** [redacted] the last request for exception to reinstatement the coverage was denied and that he is free to complete a new reinstatement application or reapply for a new policy
Initial Business Response / [redacted] (1000, 5, 2015/10/01) */ SelectQuote understands why Mr [redacted] is upsetHe believed that the exam vendor and United of Omaha were incompetent because they were searching for records from a Dr [redacted] on his wife and was convinced that she had never seen the doctor that they were requesting records from This actually was not the case, the medical records were ordered from Dr [redacted] because when United of Omaha did the RX data check at the beginning of the application process, it showed that Dr [redacted] prescribed medication to Mrs [redacted] and therefore ordered the medical records from Dr***United of Omaha did receive the medical records from Dr [redacted] back on 9/9/So, Mrs [redacted] did see him but she may have not recalled the name of Dr [redacted] since this was an urgent care visit at StLuke Hospital and was not her doctor Unfortunately, United of Omaha's Temporary Coverage Receipt is only valid for days from application submission and the [redacted] did sign the form acknowledging thisUnderwriting sometime takes longer then the days that Temporary coverage is valid forAlso, we have expedited retrieval of Dr [redacted] 's records as we have not received them as of todayOnce we receive the records, we will ask for a rushed decision on this case from United of OmahaWe hope to have this policy issued soon Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/10/08) */ (The consumer indicated he/she DID NOT accept the response from the business.) Not acceptable as the only way that any of the medical records work was put back on track was due to my own personal work (calls, visits, requests in-person of the medical office staff) and not one question asked of me or my wife why the could not get records from a Dr [redacted] who by the way is not and never has been the Primary Medical Service provider for my wifeDr [redacted] has been ever since [redacted] moved to [redacted] to be with meThis entire process through EMSI and Select Quote has been horrible to deal with once the applications were completedOn top of it, my wife now has the added stress of feeling discriminated against on this application since she was pregnant (just gave birth to our first child on October 1st) and had no term life coverage in the event she died during child birthThis entire time Select Quote didn't seem to care that the temporary coverage was dropped for my wife due to a 3rd party inability to do their job not by any fault of oursAt this point, I am not even sure if they would provide insurance coverage for my wife once they obtain her medical records since they have botched this entire process thus far and can only try to blame me or someone else for there inability to do their job I just want to have term life insurance coverage put in place for me and my wife, as we had initially signed up for back in MAYIf that is not possible, then I want a full refund of all fees paid to date to SelectQuote as well as EMSIFor our daughter, we will be pursuing life insurance options elsewhere Final Consumer Response / [redacted] (3000, 16, 2015/11/03) */ The issue is still not closed as Select Quote has cancelled my wife's insurance coverage againI am now forced to take the matters up with our attorney Final Business Response / [redacted] (4000, 18, 2015/11/11) */ United of Omaha received all necessary items and Mrs [redacted] 's policy went in force on 11/6/ Please let us know if we can help with anything else Sincerely, [redacted] SelectQuote Insurance Services
(The consumer indicated he/she DID NOT accept the response from the business.)The email I received from [redacted] stated confirmation that, "the payment is made and the accounts are up to date." The email was not merely confirm [redacted] receipt of the EFT forms as claimed in the Select Quote response, but that the payment had been processed to br [redacted] the account premiums up to dateThe payment amounts were annual premiums for policies, therefore those accounts should have been up to date for the follow [redacted] monthsThe period of time from June to November of that Select Quote refers to as a "month gap" falls well within the period that would be covered by an annual premiumDur [redacted] the months mentioned above, I was work [redacted] with [redacted] on the required medical paperwork to reinstate the policy while under the impression that payment was current on both accounts.We did not receive any correspondence from ***They claim to have sent it via regular mail, and I can't speak as to the fate of those letters [redacted] did not contact me regard [redacted] payment via phone or emailSelect Quote contacted me by via phone regard [redacted] the premium payments and I promptly provided the necessary informationWhy would Select Quote reach out to me to facilitate premium payments to bring the accounts up to date and then do nothing with the ETF forms provided? Not only did Select Quote fail to properly process the provided EFT paperwork, they incorrectly confirmed that the payment had been made and the accounts were up to dateSelect Quote has repeatedly state that [redacted] is not willing to re-instate the policiesMy issue is not with ***It is Select Quote's negligence that caused this problemWhat is Select Quote going to do to fix it?