Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
As a potential customer of Washington National Insurance Company I would still recommend people to be cautious. I was misled by their sales rep, which caused me to accept a policy erroneously. Canceling the policy was very painful. I did exactly what the policy book told me to, but it took me 4 months and tons of documentation to accomplish this. I was told several times that they would not refund me according to their full refund policy. Luckily I saved all faxes, emails, and text messages with the company and sales rep. as well as refusing to take no for an answer.Yes they finally did fulfill their “Ten Day Option to Surrender” policy, but only because I forced their hand.Regards,
[redacted]
Washington National Insurance CompanyPO Box 1916Carmel, IN 46082 March 22, 2017 [redacted]Revdex.com Serving Central Indiana151 N. Delaware Street #2020Indianapolis, IN 46204 RE: Washington National Insurance Company Consumer: [redacted] Case ID: [redacted] Dear Ms. [redacted]: This letter is in response to your correspondence dated and received in our office on March 16, 2017, concerning the above-referenced case number. Thank you for allowing us the opportunity to address this matter. We have responded directly to Ms. [redacted] regarding this matter. We want to assure you of our continued commitment to provide the best possible customer service. If you have any questions, or if we may be of further assistance, our office can be reached by calling (800) 525-7662. Sincerely, Angela L. B[redacted]Consumer Relations
Washington National Insurance Company �...⇄ PO Box 1916 ...⇄ Carmel IN 46082-1916 December 6, 2016 Revdex.com Serving Central Indiana 151 N. Delaware Street #2020 Indianapolis, IN 46204-2599 VIA Revdex.com Portal RE: Washington National Insurance Company Consumer: [redacted] Case ID Number: [redacted] To Whom It May Concern: This letter is in response to your correspondence received in our office on November 30, 2016. Thank you for the opportunity to respond. We wish to inform you that a copies of the policy was mailed on October 26, 2016 and November 11, 2016. If the consumer has not received the policy, please have her contact me directly by dialing (317) 817-5492. On November 14, 2016, Ms. [redacted] contacted our office by telephone and left us a voice message. On November 16, 2016, we attempted to contact her at the telephone number she provided, and asked that she contact us. We expected to receive a telephone call from her, confirming that she received the policy. When she did not reply, we assumed that that she had received it. On December 6, 2016, we attempted to contact her by telephone, to no avail. We want to assure you of our continued commitment to provide the best possible service. If we may be of further service, please contact our customer service department at (800) 525-7662. Sincerely, Nina B[redacted] Consumer Relations
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Typical response from Washington National, Delay-Deflect-Denial! Their strategy is delay till either the statutes of limitation are exceeded or I die. I have received no payment from Washington National, to date the payment plus interest due is over $270,000. I have written over a dozen letters to WN with no acknowledgement of the content therein. My position has not changed, Washington National should pay the maturity account value immediately - my lawyer concurs see his demand letter and my earlier correspondence attached. Thank you for bringing this matter to the attention of Washington National.
Regards,
[redacted]
Company �...⇄ PO Box 1916 ...⇄ Carmel, IN 46082-1916 July 3, 2017 Revdex.com of Central Indiana Attn: [redacted] 151 N Delaware Street #2020 Indianapolis, IN 46204-2599 RE: Washington National Insurance Company Consumer: [redacted] Case Number: [redacted] Dear Ms. [redacted]: This letter is in response to your correspondence dated and received in our office on June 28, 2017. Thank you for allowing us the opportunity to address this matter. In your correspondence you requested information regarding the above referenced complainant. In compliance with state and federal privacy laws, we are required to restrict access to information in our files and may not disclose such information to other persons, except as authorized in writing or otherwise permitted by law. Since at this time we do not have an authorization on file to release information to you, we have communicated directly with [redacted], and have provided the requested information. We want to assure you our continued commitment to provide the best possible customer service. If you have any questions, or if we may provide any further assistance, you may contact out customer service department at (800) 541-2254. Sincerely, Michael C[redacted] Consumer Relations
Dear [redacted]: This letter is in response to your correspondence received in our office on June 9, 2017, regarding the above-referenced complainant. Thank you for allowing us the opportunity to address this matter. Policyholder's information is confidential; therefore, we...
require an authorization to release this information to you. We spoke with Mr. [redacted] on June 16, and 21, 2017, and addressed his concerns. All benefits are paid in accordance with the specifications outlined in the policy provisions. We want to assure you of our continued commitment to provide the best possible customer service. If you have any questions, or if we may provide any further assistance, you may contact our customer service department by dialing (800) 541-2254. Sincerely, Kimberly H[redacted] Consumer Relations
Dear Ms. [redacted] This letter is in response to your correspondence dated and received in our office May 3, 2016. Thank you for allowing us the opportunity to address this matter. In your correspondence you requested information regarding the above referenced complainant. In compliance...
with state and federal privacy laws, we are required to restrict access to information in our files and may not disclose such information to other persons, except as authorized in writing or otherwise permitted by law. Since at this time we do not have an authorization on file to release information to you, we have communicated directly with Mrs. [redacted], addressing her concerns. We want to assure you our continued commitment to provide the best possible customer service. If you have any questions, or if we may provide any further assistance, you may contact out customer service department at 800-541-2254. Sincerely, Michael C[redacted] Consumer Relations
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Dear Revdex.com and Washington National Insurance Company,More delay tactics from Washington National Insurance Company, stall the process, deflect the conversation, deny the payment. The previous checks from Washington National were unacceptable and returned for insufficient payment. As of close of business today the amount due is $280,714 representing the guaranteed maturity value $255,913 and interest at 3% as demanded by California Insurance Commissioner David J[redacted]. READ "$300 Million in Unclaimed Life Insurance Benefits Statewide", April 28 2016, by Melody G[redacted], San Francisco Chronicle. Dave J[redacted], California’s insurance commissioner, said companies are required to pay the full value of old policies to beneficiaries for accounts going back to 1995 that they may have been draining. The companies are also required to pay beneficiaries 3 percent compounded interest on the value of the accounts.READ the account statement provided by Washington National Insurance Company showing the annuity value was $213,949.63 on December 31 2010. COMPLY with contract terms, endorsement page 1 guaranteeing spousal continuation of contract. READ my previous letters addressed to Washington National more of them attached below. READ the demand letter legal analysis sent by our council. WATCH "Not Paid" by 60-Minutes Leslie S[redacted] about unpaid insurance balances due millions of senior insurance beneficiaries like us. Provide an up-to-date closing statement and a check for the guaranteed maturity value plus interest now compounded as $280,714.
Regards,
[redacted]
This letter is in response to your correspondence dated and received in our office December 19, 2016. Thank you for allowing us the opportunity to address this matter. In your correspondence you requested information regarding the above referenced complainant. In compliance with state and...
federal privacy laws, we are required to restrict access to information in our files and may not disclose such information to other persons, except as authorized in writing or otherwise permitted by law. Since at this time we do not have an authorization on file to release information to you, we have communicated directly with [redacted], addressing her concerns. We want to assure you our continued commitment to provide the best possible customer service. If you have any questions, or if we may provide any further assistance, you may contact out customer service department at (800) 541-2254. You may also contact me directly at (317) 817-5758. Sincerely, Michael C[redacted] Consumer Relations
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below.The company admitted that they had made an error in terminating my insurance but fail to address the wording on my annual statement that says the insurance is good without another payment for almost another 30 years without payment. They are demanding immediate additional payment.
Regards,
[redacted]
Dear Revdex.com of Central Indiana:
This letter is in response to your correspondence received in our office on March 29,2016, regarding the above-referenced complainant. Thank you for allowing us the opportunity to address this matter.
Policyholder's information is considered to be confidential;...
therefore, we require an authorization to release this information to you. We spoke with Ms. [redacted] on February25, March 8, and April 5, 2016. We also corresponded with her on March 23,2016, advising the required documentation needed to address her concerns.
We want to assure you of our continued commitment to provide the best possible customer service. If you have any questions, or if we niay provide any further assistance, you may contact our customer service department by dialing (800) 541-2254.
Sincerely,
Kimberly [redacted]
Consumer Relations
RE: Washington National Insurance Company Consumer: [redacted] Case Number: [redacted] Dear Ms. [redacted]: This letter is in response to your correspondence dated and received in our office September 13, 2016. Thank you for allowing us the opportunity to address this...
matter. In your correspondence you requested information regarding the above referenced complainant. In compliance with state and federal privacy laws, we are required to restrict access to information in our files and may not disclose such information to other persons, except as authorized in writing or otherwise permitted by law. Since at this time we do not have an authorization on file to release information to you, we have communicated directly with Mrs. [redacted], addressing her concerns. We want to assure you our continued commitment to provide the best possible customer service. If you have any questions, or if we may provide any further assistance, you may contact out customer service department at 800-541-2254. Sincerely, Michael C[redacted] Consumer Relations
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Another typical response from Washington National, delay, deflect, deny.Deflecting the Revdex.com mediation offering is characteristic of one obscuring the contractual facts. Your good faith stinks. You should be investigated by the Insurance Commissioner of Indiana for bad-faith insurance. We find your threats offensive and have responded in-kind. For historical context call my lawyer at [redacted], [redacted].Maturity Value is $255,913 plus 3% interest COB today: $281,191.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear.That I just found out my policy number is different from the original when I bought this policy.That when I talked to the representative , requesting to get/withdraw my cash value and he said that he will be sending me the form that I need to fill out and until this day I haven't received the form.The representative gave me also a website (Allience Company) where I can download the form to change my beneficiary, but unfortunately the policy number that I gave him the second time is not existing. That where I got worried because I just talked to him , and her come saying that my policy is not existing.I wish that I can get some of my cash value and a copy of my policy with the valid account number. wi
Regards,
[redacted]
This letter is in response to your correspondence received in our office on April 15, April 27 and May 12, 2015, concerning the above-referenced policy numbers. Thank you for allowing us the opportunity to address this matter. Policyholder's information is considered to be confidential; therefore,...
we require an authorization to release this information to you. We mailed correspondence to [redacted] on April 21 and May 7, 2015 and spoke to her directly on May 12, 2015, addressing her concerns. We want to assure you of our continued commitment to provide the best possible customer service. If you have any questions, or if we may provide any further assistance, you may contact our customer service department by dialing (800) 541-2254. Sincerely, Kimberly [redacted] Consumer Relations
Dear Revdex.com of Central Indiana: This letter is in response to your correspondence dated and received in our office Apri13, 2017. Thank you for allowing us the opportunity to address this matter. We have communicated directly with Mr. [redacted] regarding 10 Number [redacted]. Mr. [redacted]'s...
concerns have been addressed in response to his request. We want to assure you our continued commitment to provide the best possible customer service. If you have any questions, or if we may provide any further assistance, you may contact out customer service department at (800) 541-2254. You may also contact me directly at (317) 817-5758. Sincerely, Michael C[redacted] Consumer Relations
Dear Ms. [redacted]: This letter is in response to your correspondence dated and received in our office August 11, 2016. Thank you for allowing us the opportunity to address this matter. In your correspondence you requested information regarding the above referenced complainant. In compliance with state and federal privacy laws, we are required to restrict access to information in our tiles and may not disclose such information to other persons, except as authorized in writing or otherwise permitted by law. Since at this time we do not have an authorization on file to release information to you, we have communicated directly with Mrs. [redacted], addressing her concerns. We want to assure you our continued commitment to provide the best possible customer service. If you have any questions, or if we may provide any further assistance, you may contact out customer service department at 800-541-2254. Sincerely, Michael C[redacted] Consumer Relations
Washington National Insurance CompanyPO Box 1916Carmel, IN 46082 September 29, 2017 Revdex.comServing Central Indiana151 N Delaware Street #2020Indianapolis, IN 46204-2599 RE: Washington National Insurance...
Company Customer: [redacted] Revdex.com ID #: [redacted] To Whom It May Concern: This letter is in response to your correspondence dated and receive September 26, 2917, concerning the above-referenced ID number. Thank you for allowing us the opportunity to address this matter. We have responded directly to Ms. [redacted] and have refunded the funds drafted in error. If you have any questions, or if we may be of further assistance I can be reached by calling (317) 817-5311. Sincerely, Angela L. B[redacted]Consumer Relations
Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below.Regards,[redacted] Dear Sir: In your reply to our inquiry you noted that we shouldrespond within 5 business days to the explanation of Washington National InsuranceCompany (WNIC) for their denial of benefits to my mother. I currently reside inChina and have been traveling considerably these last few days, but I trust wehave not exceeded our allotted time. For our part, we would be very happy to see our complaint,WNIC’s response, and our rebuttal of that response posted on the Revdex.com website.Frankly, we believe that the corporate policies of the company should beexposed for what they are—fraud—and that there should be some accountabilityfor the malfeasance and, in this case, the exploitation of the elderly. As I noted previously, my mother is 83 years old now, and shehas held a home health care insurance policy with WNIC for nearly 20 years(since January of 1997). Until Septemberof 2014, when she was diagnosed with lymphoma, my mother had never made a claimfor benefits. However, the side-effects of the treatment (chemotherapy andradiation) for her cancer were quite debilitating, and my mother, who livesindependently in her own house, began to require assistance with some mattersof personal hygiene and safety (dressing, bathing, toileting, andtransferring). At my encouragement, my mother requested assistance fromAmarillo Home Care Services (AHCS) for some in-house support. The AHCS staff drafted a detailed plan of care for my mother,one that specifically noted her need for assistance with certain Activities ofDaily Living (ADL): dressing, bathing, and toileting. These annotations aresignificant, since WNIC bases eligibility for benefits on the need forassistance with ADL’s. In October, however, despite my mother’s obvious andurgent need for assistance, WNIC rejected her claim for benefits. Our appeal of this rejection was subsequentlydenied. Shortly afterwards, my mother’s personal physician recognized her urgentneed for assistance in the house and provided a referral to another home healthcare provider, one that is supported by Medicare, and they have been providingassistance to my mother in the house since their initial assessment of need. I would also like to point out that, despite theirconsistent denial of most benefits, WNIC did finally recognize in March of thisyear that my mother was eligible for their Independent Living Benefit, and theypaid the lifetime cap of $378, afterwhich, they told us emphatically, she was no longer eligible for any furtherassistance. In her letter of March 25, Melinda [redacted] noted: “Your claim forbenefits has been reviewed. We have determined that you qualified for benefitsbased on the provision in your provision in your policy. You were eligible forbenefits from September 16, 2014.” It is worth noting, however, that the termsof my mother’s policy with WNIC specify that this Independent Living Benefitcan only be provided “if it is determined by your doctor or Care Coordinatorthat you are having difficulty performing two or more Activities of DailyLiving.” To me it seems that the company has here explicitly recognized thevery need that they have in other instances consistently denied. We have now been appealing the company’s denial of benefitsfor about ten months, but from the beginning it has consistently delayed,deferred, and denied our appeals. Perhaps they are simply hoping that if theywait long enough, my mother will pass on and no longer require anyassistance. For our part, we have nowrecognized that the policy we purchased nearly 20 years ago was a scam and thatwe will never see any benefits from WNIC, a shamelessly unscrupulous and corruptcompany preying on the elderly. Best regards, [redacted]Dear Sir: In your reply to our inquiry you noted that we shouldrespond within 5 business days to the explanation of Washington National InsuranceCompany (WNIC) for their denial of benefits to my mother. I currently reside inChina and have been traveling considerably these last few days, but I trust wehave not exceeded our allotted time. For our part, we would be very happy to see our complaint,WNIC’s response, and our rebuttal of that response posted on the Revdex.com website.Frankly, we believe that the corporate policies of the company should beexposed for what they are—fraud—and that there should be some accountabilityfor the malfeasance and, in this case, the exploitation of the elderly. As I noted previously, my mother is 83 years old now, and shehas held a home health care insurance policy with WNIC for nearly 20 years(since January of 1997). Until Septemberof 2014, when she was diagnosed with lymphoma, my mother had never made a claimfor benefits. However, the side-effects of the treatment (chemotherapy andradiation) for her cancer were quite debilitating, and my mother, who livesindependently in her own house, began to require assistance with some mattersof personal hygiene and safety (dressing, bathing, toileting, andtransferring). At my encouragement, my mother requested assistance fromAmarillo Home Care Services (AHCS) for some in-house support. The AHCS staff drafted a detailed plan of care for my mother,one that specifically noted her need for assistance with certain Activities ofDaily Living (ADL): dressing, bathing, and toileting. These annotations aresignificant, since WNIC bases eligibility for benefits on the need forassistance with ADL’s. In October, however, despite my mother’s obvious andurgent need for assistance, WNIC rejected her claim for benefits. Our appeal of this rejection was subsequentlydenied. Shortly afterwards, my mother’s personal physician recognized her urgentneed for assistance in the house and provided a referral to another home healthcare provider, one that is supported by Medicare, and they have been providingassistance to my mother in the house since their initial assessment of need. I would also like to point out that, despite theirconsistent denial of most benefits, WNIC did finally recognize in March of thisyear that my mother was eligible for their Independent Living Benefit, and theypaid the lifetime cap of $378, afterwhich, they told us emphatically, she was no longer eligible for any furtherassistance. In her letter of March 25, Melinda [redacted] noted: “Your claim forbenefits has been reviewed. We have determined that you qualified for benefitsbased on the provision in your provision in your policy. You were eligible forbenefits from September 16, 2014.” It is worth noting, however, that the termsof my mother’s policy with WNIC specify that this Independent Living Benefitcan only be provided “if it is determined by your doctor or Care Coordinatorthat you are having difficulty performing two or more Activities of DailyLiving.” To me it seems that the company has here explicitly recognized thevery need that they have in other instances consistently denied. We have now been appealing the company’s denial of benefitsfor about ten months, but from the beginning it has consistently delayed,deferred, and denied our appeals. Perhaps they are simply hoping that if theywait long enough, my mother will pass on and no longer require anyassistance. For our part, we have nowrecognized that the policy we purchased nearly 20 years ago was a scam and thatwe will never see any benefits from WNIC, a shamelessly unscrupulous andcorrupt company preying on the elderly. Best regards, [redacted]Dear Sir: In your reply to our inquiry you noted that we shouldrespond within 5 business days to the explanation of Washington National InsuranceCompany (WNIC) for their denial of benefits to my mother. I currently reside inChina and have been traveling considerably these last few days, but I trust wehave not exceeded our allotted time. For our part, we would be very happy to see our complaint,WNIC’s response, and our rebuttal of that response posted on the Revdex.com website.Frankly, we believe that the corporate policies of the company should beexposed for what they are—fraud—and that there should be some accountabilityfor the malfeasance and, in this case, the exploitation of the elderly. As I noted previously, my mother is 83 years old now, and shehas held a home health care insurance policy with WNIC for nearly 20 years(since January of 1997). Until Septemberof 2014, when she was diagnosed with lymphoma, my mother had never made a claimfor benefits. However, the side-effects of the treatment (chemotherapy andradiation) for her cancer were quite debilitating, and my mother, who livesindependently in her own house, began to require assistance with some mattersof personal hygiene and safety (dressing, bathing, toileting, andtransferring). At my encouragement, my mother requested assistance fromAmarillo Home Care Services (AHCS) for some in-house support. The AHCS staff drafted a detailed plan of care for my mother,one that specifically noted her need for assistance with certain Activities ofDaily Living (ADL): dressing, bathing, and toileting. These annotations aresignificant, since WNIC bases eligibility for benefits on the need forassistance with ADL’s. In October, however, despite my mother’s obvious andurgent need for assistance, WNIC rejected her claim for benefits. Our appeal of this rejection was subsequentlydenied. Shortly afterwards, my mother’s personal physician recognized her urgentneed for assistance in the house and provided a referral to another home healthcare provider, one that is supported by Medicare, and they have been providingassistance to my mother in the house since their initial assessment of need. I would also like to point out that, despite theirconsistent denial of most benefits, WNIC did finally recognize in March of thisyear that my mother was eligible for their Independent Living Benefit, and theypaid the lifetime cap of $378, afterwhich, they told us emphatically, she was no longer eligible for any furtherassistance. In her letter of March 25, Melinda [redacted] noted: “Your claim forbenefits has been reviewed. We have determined that you qualified for benefitsbased on the provision in your provision in your policy. You were eligible forbenefits from September 16, 2014.” It is worth noting, however, that the termsof my mother’s policy with WNIC specify that this Independent Living Benefitcan only be provided “if it is determined by your doctor or Care Coordinatorthat you are having difficulty performing two or more Activities of DailyLiving.” To me it seems that the company has here explicitly recognized thevery need that they have in other instances consistently denied. We have now been appealing the company’s denial of benefitsfor about ten months, but from the beginning it has consistently delayed,deferred, and denied our appeals. Perhaps they are simply hoping that if theywait long enough, my mother will pass on and no longer require anyassistance. For our part, we have nowrecognized that the policy we purchased nearly 20 years ago was a scam and thatwe will never see any benefits from WNIC, a shamelessly unscrupulous and corruptcompany preying on the elderly. Best regards, [redacted]
RE: Washington National Insurance Company Consumer: [redacted] Case Number: [redacted] Dear Revdex.com of Central Indiana: This letter is in response to your correspondence dated and received in our office April 4, 2016. Thank you for allowing us the opportunity to address this matter. In your...
correspondence you requested information regarding the above referenced complainant. In compliance with state and federal privacy laws, we are required to restrict access to information in our files and may not disclose such information to other persons, except as authorized in writing or otherwise permitted by law. Since at this time we do not have an authorization on file to release information to you, we have communicated directly with Mr. [redacted] addressing his concerns. We want to assure you our continued commitment to provide the best possible customer service. If you have any questions, or if we may provide any further assistance, you may contact out customer service department at 800-541-2254. Sincerely,Michael [redacted]Consumer Relations
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
As a potential customer of Washington National Insurance Company I would still recommend people to be cautious. I was misled by their sales rep, which caused me to accept a policy erroneously. Canceling the policy was very painful. I did exactly what the policy book told me to, but it took me 4 months and tons of documentation to accomplish this. I was told several times that they would not refund me according to their full refund policy. Luckily I saved all faxes, emails, and text messages with the company and sales rep. as well as refusing to take no for an answer.Yes they finally did fulfill their “Ten Day Option to Surrender” policy, but only because I forced their hand.Regards,
[redacted]
Washington National Insurance CompanyPO Box 1916Carmel, IN 46082 March 22, 2017 [redacted]Revdex.com Serving Central Indiana151 N. Delaware Street #2020Indianapolis, IN 46204 RE: Washington National Insurance Company Consumer: [redacted] Case ID: [redacted] Dear Ms. [redacted]: This letter is in response to your correspondence dated and received in our office on March 16, 2017, concerning the above-referenced case number. Thank you for allowing us the opportunity to address this matter. We have responded directly to Ms. [redacted] regarding this matter. We want to assure you of our continued commitment to provide the best possible customer service. If you have any questions, or if we may be of further assistance, our office can be reached by calling (800) 525-7662. Sincerely, Angela L. B[redacted]Consumer Relations
Washington National Insurance Company �...⇄ PO Box 1916 ...⇄ Carmel IN 46082-1916 December 6, 2016 Revdex.com Serving Central Indiana 151 N. Delaware Street #2020 Indianapolis, IN 46204-2599 VIA Revdex.com Portal RE: Washington National Insurance Company Consumer: [redacted] Case ID Number: [redacted] To Whom It May Concern: This letter is in response to your correspondence received in our office on November 30, 2016. Thank you for the opportunity to respond. We wish to inform you that a copies of the policy was mailed on October 26, 2016 and November 11, 2016. If the consumer has not received the policy, please have her contact me directly by dialing (317) 817-5492. On November 14, 2016, Ms. [redacted] contacted our office by telephone and left us a voice message. On November 16, 2016, we attempted to contact her at the telephone number she provided, and asked that she contact us. We expected to receive a telephone call from her, confirming that she received the policy. When she did not reply, we assumed that that she had received it. On December 6, 2016, we attempted to contact her by telephone, to no avail. We want to assure you of our continued commitment to provide the best possible service. If we may be of further service, please contact our customer service department at (800) 525-7662. Sincerely, Nina B[redacted] Consumer Relations
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Typical response from Washington National, Delay-Deflect-Denial! Their strategy is delay till either the statutes of limitation are exceeded or I die. I have received no payment from Washington National, to date the payment plus interest due is over $270,000. I have written over a dozen letters to WN with no acknowledgement of the content therein. My position has not changed, Washington National should pay the maturity account value immediately - my lawyer concurs see his demand letter and my earlier correspondence attached. Thank you for bringing this matter to the attention of Washington National.
Regards,
[redacted]
Washington National Insurance...
Company �...⇄ PO Box 1916 ...⇄ Carmel, IN 46082-1916 July 3, 2017 Revdex.com of Central Indiana Attn: [redacted] 151 N Delaware Street #2020 Indianapolis, IN 46204-2599 RE: Washington National Insurance Company Consumer: [redacted] Case Number: [redacted] Dear Ms. [redacted]: This letter is in response to your correspondence dated and received in our office on June 28, 2017. Thank you for allowing us the opportunity to address this matter. In your correspondence you requested information regarding the above referenced complainant. In compliance with state and federal privacy laws, we are required to restrict access to information in our files and may not disclose such information to other persons, except as authorized in writing or otherwise permitted by law. Since at this time we do not have an authorization on file to release information to you, we have communicated directly with [redacted], and have provided the requested information. We want to assure you our continued commitment to provide the best possible customer service. If you have any questions, or if we may provide any further assistance, you may contact out customer service department at (800) 541-2254. Sincerely, Michael C[redacted] Consumer Relations
Dear [redacted]: This letter is in response to your correspondence received in our office on June 9, 2017, regarding the above-referenced complainant. Thank you for allowing us the opportunity to address this matter. Policyholder's information is confidential; therefore, we...
require an authorization to release this information to you. We spoke with Mr. [redacted] on June 16, and 21, 2017, and addressed his concerns. All benefits are paid in accordance with the specifications outlined in the policy provisions. We want to assure you of our continued commitment to provide the best possible customer service. If you have any questions, or if we may provide any further assistance, you may contact our customer service department by dialing (800) 541-2254. Sincerely, Kimberly H[redacted] Consumer Relations
Dear Ms. [redacted] This letter is in response to your correspondence dated and received in our office May 3, 2016. Thank you for allowing us the opportunity to address this matter. In your correspondence you requested information regarding the above referenced complainant. In compliance...
with state and federal privacy laws, we are required to restrict access to information in our files and may not disclose such information to other persons, except as authorized in writing or otherwise permitted by law. Since at this time we do not have an authorization on file to release information to you, we have communicated directly with Mrs. [redacted], addressing her concerns. We want to assure you our continued commitment to provide the best possible customer service. If you have any questions, or if we may provide any further assistance, you may contact out customer service department at 800-541-2254. Sincerely, Michael C[redacted] Consumer Relations
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Dear Revdex.com and Washington National Insurance Company,More delay tactics from Washington National Insurance Company, stall the process, deflect the conversation, deny the payment. The previous checks from Washington National were unacceptable and returned for insufficient payment. As of close of business today the amount due is $280,714 representing the guaranteed maturity value $255,913 and interest at 3% as demanded by California Insurance Commissioner David J[redacted]. READ "$300 Million in Unclaimed Life Insurance Benefits Statewide", April 28 2016, by Melody G[redacted], San Francisco Chronicle. Dave J[redacted], California’s insurance commissioner, said companies are required to pay the full value of old policies to beneficiaries for accounts going back to 1995 that they may have been draining. The companies are also required to pay beneficiaries 3 percent compounded interest on the value of the accounts.READ the account statement provided by Washington National Insurance Company showing the annuity value was $213,949.63 on December 31 2010. COMPLY with contract terms, endorsement page 1 guaranteeing spousal continuation of contract. READ my previous letters addressed to Washington National more of them attached below. READ the demand letter legal analysis sent by our council. WATCH "Not Paid" by 60-Minutes Leslie S[redacted] about unpaid insurance balances due millions of senior insurance beneficiaries like us. Provide an up-to-date closing statement and a check for the guaranteed maturity value plus interest now compounded as $280,714.
Regards,
[redacted]
This letter is in response to your correspondence dated and received in our office December 19, 2016. Thank you for allowing us the opportunity to address this matter. In your correspondence you requested information regarding the above referenced complainant. In compliance with state and...
federal privacy laws, we are required to restrict access to information in our files and may not disclose such information to other persons, except as authorized in writing or otherwise permitted by law. Since at this time we do not have an authorization on file to release information to you, we have communicated directly with [redacted], addressing her concerns. We want to assure you our continued commitment to provide the best possible customer service. If you have any questions, or if we may provide any further assistance, you may contact out customer service department at (800) 541-2254. You may also contact me directly at (317) 817-5758. Sincerely, Michael C[redacted] Consumer Relations
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below.The company admitted that they had made an error in terminating my insurance but fail to address the wording on my annual statement that says the insurance is good without another payment for almost another 30 years without payment. They are demanding immediate additional payment.
Regards,
[redacted]
Dear Revdex.com of Central Indiana:
This letter is in response to your correspondence received in our office on March 29,2016, regarding the above-referenced complainant. Thank you for allowing us the opportunity to address this matter.
Policyholder's information is considered to be confidential;...
therefore, we require an authorization to release this information to you. We spoke with Ms. [redacted] on February25, March 8, and April 5, 2016. We also corresponded with her on March 23,2016, advising the required documentation needed to address her concerns.
We want to assure you of our continued commitment to provide the best possible customer service. If you have any questions, or if we niay provide any further assistance, you may contact our customer service department by dialing (800) 541-2254.
Sincerely,
Kimberly [redacted]
Consumer Relations
RE: Washington National Insurance Company Consumer: [redacted] Case Number: [redacted] Dear Ms. [redacted]: This letter is in response to your correspondence dated and received in our office September 13, 2016. Thank you for allowing us the opportunity to address this...
matter. In your correspondence you requested information regarding the above referenced complainant. In compliance with state and federal privacy laws, we are required to restrict access to information in our files and may not disclose such information to other persons, except as authorized in writing or otherwise permitted by law. Since at this time we do not have an authorization on file to release information to you, we have communicated directly with Mrs. [redacted], addressing her concerns. We want to assure you our continued commitment to provide the best possible customer service. If you have any questions, or if we may provide any further assistance, you may contact out customer service department at 800-541-2254. Sincerely, Michael C[redacted] Consumer Relations
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Another typical response from Washington National, delay, deflect, deny.Deflecting the Revdex.com mediation offering is characteristic of one obscuring the contractual facts. Your good faith stinks. You should be investigated by the Insurance Commissioner of Indiana for bad-faith insurance. We find your threats offensive and have responded in-kind. For historical context call my lawyer at [redacted], [redacted].Maturity Value is $255,913 plus 3% interest COB today: $281,191.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear.That I just found out my policy number is different from the original when I bought this policy.That when I talked to the representative , requesting to get/withdraw my cash value and he said that he will be sending me the form that I need to fill out and until this day I haven't received the form.The representative gave me also a website (Allience Company) where I can download the form to change my beneficiary, but unfortunately the policy number that I gave him the second time is not existing. That where I got worried because I just talked to him , and her come saying that my policy is not existing.I wish that I can get some of my cash value and a copy of my policy with the valid account number. wi
Regards,
[redacted]
This letter is in response to your correspondence received in our office on April 15, April 27 and May 12, 2015, concerning the above-referenced policy numbers. Thank you for allowing us the opportunity to address this matter. Policyholder's information is considered to be confidential; therefore,...
we require an authorization to release this information to you. We mailed correspondence to [redacted] on April 21 and May 7, 2015 and spoke to her directly on May 12, 2015, addressing her concerns. We want to assure you of our continued commitment to provide the best possible customer service. If you have any questions, or if we may provide any further assistance, you may contact our customer service department by dialing (800) 541-2254. Sincerely, Kimberly [redacted] Consumer Relations
Dear Revdex.com of Central Indiana: This letter is in response to your correspondence dated and received in our office Apri13, 2017. Thank you for allowing us the opportunity to address this matter. We have communicated directly with Mr. [redacted] regarding 10 Number [redacted]. Mr. [redacted]'s...
concerns have been addressed in response to his request. We want to assure you our continued commitment to provide the best possible customer service. If you have any questions, or if we may provide any further assistance, you may contact out customer service department at (800) 541-2254. You may also contact me directly at (317) 817-5758. Sincerely, Michael C[redacted] Consumer Relations
Dear Ms. [redacted]: This letter is in response to your correspondence dated and received in our office August 11, 2016. Thank you for allowing us the opportunity to address this matter. In your correspondence you requested information regarding the above referenced complainant. In compliance with state and federal privacy laws, we are required to restrict access to information in our tiles and may not disclose such information to other persons, except as authorized in writing or otherwise permitted by law. Since at this time we do not have an authorization on file to release information to you, we have communicated directly with Mrs. [redacted], addressing her concerns. We want to assure you our continued commitment to provide the best possible customer service. If you have any questions, or if we may provide any further assistance, you may contact out customer service department at 800-541-2254. Sincerely, Michael C[redacted] Consumer Relations
Washington National Insurance CompanyPO Box 1916Carmel, IN 46082 September 29, 2017 Revdex.comServing Central Indiana151 N Delaware Street #2020Indianapolis, IN 46204-2599 RE: Washington National Insurance...
Company Customer: [redacted] Revdex.com ID #: [redacted] To Whom It May Concern: This letter is in response to your correspondence dated and receive September 26, 2917, concerning the above-referenced ID number. Thank you for allowing us the opportunity to address this matter. We have responded directly to Ms. [redacted] and have refunded the funds drafted in error. If you have any questions, or if we may be of further assistance I can be reached by calling (317) 817-5311. Sincerely, Angela L. B[redacted]Consumer Relations
Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below.Regards,[redacted] Dear Sir: In your reply to our inquiry you noted that we shouldrespond within 5 business days to the explanation of Washington National InsuranceCompany (WNIC) for their denial of benefits to my mother. I currently reside inChina and have been traveling considerably these last few days, but I trust wehave not exceeded our allotted time. For our part, we would be very happy to see our complaint,WNIC’s response, and our rebuttal of that response posted on the Revdex.com website.Frankly, we believe that the corporate policies of the company should beexposed for what they are—fraud—and that there should be some accountabilityfor the malfeasance and, in this case, the exploitation of the elderly. As I noted previously, my mother is 83 years old now, and shehas held a home health care insurance policy with WNIC for nearly 20 years(since January of 1997). Until Septemberof 2014, when she was diagnosed with lymphoma, my mother had never made a claimfor benefits. However, the side-effects of the treatment (chemotherapy andradiation) for her cancer were quite debilitating, and my mother, who livesindependently in her own house, began to require assistance with some mattersof personal hygiene and safety (dressing, bathing, toileting, andtransferring). At my encouragement, my mother requested assistance fromAmarillo Home Care Services (AHCS) for some in-house support. The AHCS staff drafted a detailed plan of care for my mother,one that specifically noted her need for assistance with certain Activities ofDaily Living (ADL): dressing, bathing, and toileting. These annotations aresignificant, since WNIC bases eligibility for benefits on the need forassistance with ADL’s. In October, however, despite my mother’s obvious andurgent need for assistance, WNIC rejected her claim for benefits. Our appeal of this rejection was subsequentlydenied. Shortly afterwards, my mother’s personal physician recognized her urgentneed for assistance in the house and provided a referral to another home healthcare provider, one that is supported by Medicare, and they have been providingassistance to my mother in the house since their initial assessment of need. I would also like to point out that, despite theirconsistent denial of most benefits, WNIC did finally recognize in March of thisyear that my mother was eligible for their Independent Living Benefit, and theypaid the lifetime cap of $378, afterwhich, they told us emphatically, she was no longer eligible for any furtherassistance. In her letter of March 25, Melinda [redacted] noted: “Your claim forbenefits has been reviewed. We have determined that you qualified for benefitsbased on the provision in your provision in your policy. You were eligible forbenefits from September 16, 2014.” It is worth noting, however, that the termsof my mother’s policy with WNIC specify that this Independent Living Benefitcan only be provided “if it is determined by your doctor or Care Coordinatorthat you are having difficulty performing two or more Activities of DailyLiving.” To me it seems that the company has here explicitly recognized thevery need that they have in other instances consistently denied. We have now been appealing the company’s denial of benefitsfor about ten months, but from the beginning it has consistently delayed,deferred, and denied our appeals. Perhaps they are simply hoping that if theywait long enough, my mother will pass on and no longer require anyassistance. For our part, we have nowrecognized that the policy we purchased nearly 20 years ago was a scam and thatwe will never see any benefits from WNIC, a shamelessly unscrupulous and corruptcompany preying on the elderly. Best regards, [redacted]Dear Sir: In your reply to our inquiry you noted that we shouldrespond within 5 business days to the explanation of Washington National InsuranceCompany (WNIC) for their denial of benefits to my mother. I currently reside inChina and have been traveling considerably these last few days, but I trust wehave not exceeded our allotted time. For our part, we would be very happy to see our complaint,WNIC’s response, and our rebuttal of that response posted on the Revdex.com website.Frankly, we believe that the corporate policies of the company should beexposed for what they are—fraud—and that there should be some accountabilityfor the malfeasance and, in this case, the exploitation of the elderly. As I noted previously, my mother is 83 years old now, and shehas held a home health care insurance policy with WNIC for nearly 20 years(since January of 1997). Until Septemberof 2014, when she was diagnosed with lymphoma, my mother had never made a claimfor benefits. However, the side-effects of the treatment (chemotherapy andradiation) for her cancer were quite debilitating, and my mother, who livesindependently in her own house, began to require assistance with some mattersof personal hygiene and safety (dressing, bathing, toileting, andtransferring). At my encouragement, my mother requested assistance fromAmarillo Home Care Services (AHCS) for some in-house support. The AHCS staff drafted a detailed plan of care for my mother,one that specifically noted her need for assistance with certain Activities ofDaily Living (ADL): dressing, bathing, and toileting. These annotations aresignificant, since WNIC bases eligibility for benefits on the need forassistance with ADL’s. In October, however, despite my mother’s obvious andurgent need for assistance, WNIC rejected her claim for benefits. Our appeal of this rejection was subsequentlydenied. Shortly afterwards, my mother’s personal physician recognized her urgentneed for assistance in the house and provided a referral to another home healthcare provider, one that is supported by Medicare, and they have been providingassistance to my mother in the house since their initial assessment of need. I would also like to point out that, despite theirconsistent denial of most benefits, WNIC did finally recognize in March of thisyear that my mother was eligible for their Independent Living Benefit, and theypaid the lifetime cap of $378, afterwhich, they told us emphatically, she was no longer eligible for any furtherassistance. In her letter of March 25, Melinda [redacted] noted: “Your claim forbenefits has been reviewed. We have determined that you qualified for benefitsbased on the provision in your provision in your policy. You were eligible forbenefits from September 16, 2014.” It is worth noting, however, that the termsof my mother’s policy with WNIC specify that this Independent Living Benefitcan only be provided “if it is determined by your doctor or Care Coordinatorthat you are having difficulty performing two or more Activities of DailyLiving.” To me it seems that the company has here explicitly recognized thevery need that they have in other instances consistently denied. We have now been appealing the company’s denial of benefitsfor about ten months, but from the beginning it has consistently delayed,deferred, and denied our appeals. Perhaps they are simply hoping that if theywait long enough, my mother will pass on and no longer require anyassistance. For our part, we have nowrecognized that the policy we purchased nearly 20 years ago was a scam and thatwe will never see any benefits from WNIC, a shamelessly unscrupulous andcorrupt company preying on the elderly. Best regards, [redacted]Dear Sir: In your reply to our inquiry you noted that we shouldrespond within 5 business days to the explanation of Washington National InsuranceCompany (WNIC) for their denial of benefits to my mother. I currently reside inChina and have been traveling considerably these last few days, but I trust wehave not exceeded our allotted time. For our part, we would be very happy to see our complaint,WNIC’s response, and our rebuttal of that response posted on the Revdex.com website.Frankly, we believe that the corporate policies of the company should beexposed for what they are—fraud—and that there should be some accountabilityfor the malfeasance and, in this case, the exploitation of the elderly. As I noted previously, my mother is 83 years old now, and shehas held a home health care insurance policy with WNIC for nearly 20 years(since January of 1997). Until Septemberof 2014, when she was diagnosed with lymphoma, my mother had never made a claimfor benefits. However, the side-effects of the treatment (chemotherapy andradiation) for her cancer were quite debilitating, and my mother, who livesindependently in her own house, began to require assistance with some mattersof personal hygiene and safety (dressing, bathing, toileting, andtransferring). At my encouragement, my mother requested assistance fromAmarillo Home Care Services (AHCS) for some in-house support. The AHCS staff drafted a detailed plan of care for my mother,one that specifically noted her need for assistance with certain Activities ofDaily Living (ADL): dressing, bathing, and toileting. These annotations aresignificant, since WNIC bases eligibility for benefits on the need forassistance with ADL’s. In October, however, despite my mother’s obvious andurgent need for assistance, WNIC rejected her claim for benefits. Our appeal of this rejection was subsequentlydenied. Shortly afterwards, my mother’s personal physician recognized her urgentneed for assistance in the house and provided a referral to another home healthcare provider, one that is supported by Medicare, and they have been providingassistance to my mother in the house since their initial assessment of need. I would also like to point out that, despite theirconsistent denial of most benefits, WNIC did finally recognize in March of thisyear that my mother was eligible for their Independent Living Benefit, and theypaid the lifetime cap of $378, afterwhich, they told us emphatically, she was no longer eligible for any furtherassistance. In her letter of March 25, Melinda [redacted] noted: “Your claim forbenefits has been reviewed. We have determined that you qualified for benefitsbased on the provision in your provision in your policy. You were eligible forbenefits from September 16, 2014.” It is worth noting, however, that the termsof my mother’s policy with WNIC specify that this Independent Living Benefitcan only be provided “if it is determined by your doctor or Care Coordinatorthat you are having difficulty performing two or more Activities of DailyLiving.” To me it seems that the company has here explicitly recognized thevery need that they have in other instances consistently denied. We have now been appealing the company’s denial of benefitsfor about ten months, but from the beginning it has consistently delayed,deferred, and denied our appeals. Perhaps they are simply hoping that if theywait long enough, my mother will pass on and no longer require anyassistance. For our part, we have nowrecognized that the policy we purchased nearly 20 years ago was a scam and thatwe will never see any benefits from WNIC, a shamelessly unscrupulous and corruptcompany preying on the elderly. Best regards, [redacted]
RE: Washington National Insurance Company Consumer: [redacted] Case Number: [redacted] Dear Revdex.com of Central Indiana: This letter is in response to your correspondence dated and received in our office April 4, 2016. Thank you for allowing us the opportunity to address this matter. In your...
correspondence you requested information regarding the above referenced complainant. In compliance with state and federal privacy laws, we are required to restrict access to information in our files and may not disclose such information to other persons, except as authorized in writing or otherwise permitted by law. Since at this time we do not have an authorization on file to release information to you, we have communicated directly with Mr. [redacted] addressing his concerns. We want to assure you our continued commitment to provide the best possible customer service. If you have any questions, or if we may provide any further assistance, you may contact out customer service department at 800-541-2254. Sincerely,Michael [redacted]Consumer Relations