SureBridge

This is in response to your inquiry which was received in our office on January 28, Thank you for the opportunity to assist you with this matter.First, it is important that we explain that our sales representatives are independent licensed insurance agents who are given the training and tools to provide our prospective customers with information regarding the products we offer, so our consumer's can make an informed decision in choosing coverage that best fits their needs Please understand that they are appointed to solicit Chesapeake’s insurance products, but may also solicit insurance for other insurance carriers not affiliated with Chesapeake.Second, we want to explain the plans referenced above are separate from and typically sold in conjunction with health insurance as they are designed to supplement the customer’s health insurance These plans pay lump-sum cash benefits directly to the customer for certain specific illnesses or injuries as listed in the Policy(ies) The money can be used not only to pay deductibles, co-pays, or co-insurance, but rent/mortgage payments, car payments, or just everyday living expenses.The application was received on January 21, and the coverage was to go into effect on February 1, as requested on the application.We understand that there is no way for our office to fully know the extent of what was discussed between Mr [redacted] and the agent; therefore, we rely on the electronically signed application as acknowledgement that Mr [redacted] understood the coverage being applied for as well as the electronically signed Authorization for Credit Card or Debit Card Payments form as authorization to charge the designated MasterCard® credit card account for the initial and recurrent premium payment.A copy of each policy was sent to Mr [redacted] .To ensure the coverage met Mr [redacted] ’s insurance needs each policy provided a day free-look period The first page of the policy asked that the customer to read the policy carefully The “Day Right to Examine The Policy” section states:It is important to Us that You understand and are satisfied with the coverage being provided to You If You are not satisfied that this coverage will meet Your insurance needs, You may return this Policy to Us at Our administrative office in North Richland Hills, Texas, within days after You receive it Upon receipt, We will cancel Your coverage as of the Policy Date, refund all premiums You have paid.Mr [redacted] contacted our office to cancel the supplemental coverage during the day free-look period; therefore the supplemental plans have been cancelled and a full refund of the initial premium paid will be credited back to the designated MasterCard.In the “Customer’s Statement of the Problem” Mr [redacted] expressed dissatisfaction with the agent and stated that he contacted the agent and requested the immediate cancellation of the policies but the agent refused.Again, it is important that we explain that our sales representatives are independent licensed insurance agents Once the application has been submitted the applications and policies are serviced by The Chesapeake Life Insurance Company’s Member Services Department The agent does not have the ability to cancel the application for the supplemental coverage or the supplemental policies on behalf of the customer However, we do not condone inconsiderate behavior from our field or home office representatives and we expect our representatives to use high levels of ethics when communicating with our customers.We realize that there is no way for our office to fully know the business transactions that take place in the field; however, be assured that Mr [redacted] ’s concerns are very important to us and are not taken lightly We appreciate his concerns being brought to our attention as it allows us an opportunity to further research this matter Please know that the feedback we receive from our customers provides us with valuable information that can be used for developmental and training purpose As a result, it can assist us in improving service to the customer.We sincerely apologize for any misunderstanding or inconvenience and we hope this letter provides more information regarding this matterShould you have additional questions or concerns regarding this matter, you may contact me at ###-###-####, extension ***, or via email at [email protected]

I am sending as an attachment a copy of all correspondence I have had with Chesapeake Life Insurance I am also attaching a copy of the Multipurpose Service Request form that I was told to download and fill out when I first contacted Chesapeake Life Insurance about surrendering my mother's account in October I was not told it had to be notarized and as you can see, it doesn't say anywhere on the form to have it notarizedOn November 16, I spoke to [redacted] about a past due payment He said to disregard the past due payment request, BUT that I needed to send a second surrender request with the signature notarized He didn't mention anything other than one notary stamp On November 17, 2015, (the next day) I sent the second surrender request with the signature notarized.On December 8, I called to see where they were on the process, since [redacted] said I should receive a check within - business days (On December 8th), [redacted] said that not only did they need the signature notarized but they needed the date notarized as well I forgot to ask her something, so I called back and got hold of *** [redacted] said there was NO REASON that the second request had not gone through! She said that there were so many notes in the file that she was going to start a new file and resubmit the second surrender request and that there was nothing I needed to do at this time On December 30, I spoke to [redacted] She said she was sending me another surrender request that I would have to have both the signature and date notarized I did not receive anything from them!!On January 12, 2016, I received a letter saying that mother was past due two premiums I spoke to [redacted] on January 13, and she said disregard the premium letter but that we needed to send a third request in with both the signature and date each notarized separately I downloaded another form since they did not send me the one they said they would On January 14, I sent the third request in with both signature and date notarized separately.On January 26, 2016, I received a check for partial surrender amount I'm assuming they sent this much because they have run out of things to nitpick about...or so I thought....On February 2, I mailed them a letter authorizing them to be able to talk to the Revdex.com about mother's account This was the same day I attached a copy to my correspondence with the Revdex.com On February 18, 2016, I received a letter "Claiming' they, Chesapeake Life Inshadn't received the letter of authorization, even though I did not get it returned to me On February 23, I faxed them a copy of the letter They still didn't respond until they actually got a copy of the letter directly from the Revdex.com:)As you can see, I have gotten all the documentation, that they have nitpicked about, back to them in a timely manner It has also been very frustrating not being able to speak to the same person each time I call This matter should have all been taken care of by the end of November at the latestMy mother should not be out extra money just because of their incompetence

The Chesapeake Life Insurance Company ("Chesapeake") is in receipt of your April 27, correspondence regarding the above referenced fileThank you for the opportunity to assist in this matter[redacted] states his son [redacted] was sold health insurance coverage on January 4, and after they reviewed the policy decided to cancelMr [redacted] states after the cancellation of the health insurance coverage he continued to be charged $in February, March and April for what he believes to be an unauthorized charge.Please note our response addresses the issues pertaining to the supplemental insurance policies issued by ChesapeakeMr [redacted] 's health insurance carrier is not affiliated with Chesapeake, and as a result we are not able to address those issues.Our records indicate [redacted] applied for an individual supplemental Dental InsurancePolicy (PPO Dental Plan - Premiere), Accident Companion (Accidental Injury Only InsurancePolicy), Hospital Confinement Direct (Hospital Confinement Indemnity Policy), Critical Illness DirectPolicy (Specified Disease/Condition and Major Organ Transplant Policy) and a Vision Insurance Policy (Premiere Vision Plan) over the telephone on January 3, These policies were issued effective January 3, 2017According to our records we received a signed Consent to Electronic Delivery of Documents with the Chesapeake applicationThe email address provided at the time of application was music[redacted] @yahoo.com An email was sent to music[redacted] @yahoo.com on January 3, informing Mr [redacted] that his application for Surebridge supplemental insurance products, underwritten by Chesapeake had been approvedThis email explained Chesapeake would be the name that shows up on the billing statement and further explained if electronicHealthMarkets, Incis a holding company that includes insurance subsidiaries The Chesapeake Life Insurance Company' and Mid-West National Life Insurance Company of TennesseeSM , and a subsidiary distribution company HealthMarkets Insurance Agency, the d/b/a or assumed name of Insphere Insurance Solutions, Inc., which is licensed as an insurance agency in all states and the District of Columbia.delivery was selected at the time of application another email would follow with instruction on how to access the supplemental insurance policiesOn January 4, another email followed explaining electronic delivery was selected and that copies of the policies were available on line through the secure member portalAdditionally, the email stated, 'it is important to us that you understand and are satisfied with the coverage being provided to youIf you are not satisfied this coverage will meet your insurance needs, you may contact us via the member portal or by telephone within days after you receive this emailUpon your notification, we will cancel the coverage as of the policy effective date and refund all premiums paid as if coverage was never issuedAnother email was sent on January I l , as a reminder/follow up to the January 4, email.Mr [redacted] contacted Chesapeake on April 10, requesting the cancellation of the insuranceIn order to resolve this matter for Mr [redacted] we will be refunding all premiums paid full

Dear Mr [redacted] :The Chesapeake Life Insurance Company ("Chesapeake") is in receipt of your February 23, correspondence regarding the above referenced fileThank you for the opportunity to assist in this matterWe offer the following information in response to Ms*** complaintOn February 13, 2018t Ms*** contacted Chesapeake to cancel her insurance protection and to advise that she was not aware the coverage had been issued to her, We advised that the application was submitted on July , by agent [redacted] Her supplemental policies with Chesapeake were effective on August 22t and were terminated on February 13, per Ms*** requestAn exception was made to provide her with a two month refund of premiums.Ms*** has requested a full refund of premium, Our records show that the total premiums paid were $and a $application, for a total of $(rather than $84, as Ms*** indicates in her complaint).ln an effort to resolve this matter, Chesapeake is cancelling Ms, *** policies back to the effective date and is processing a full refund of all premiums paidA refund check will be sent to Ms, *** under separate cover,We regret any inconvenience Ms*** may have been causedShould you have additional questions or concerns regarding this matter please contact me at [redacted] or via email at [redacted] Respectfully [redacted] ***, Senior Compliance AnalystCorporate Compliance

HealthMarkets, Inc("HealthMarkets") is in receipt of your November 15, correspondenceThank you for the opportunity to assist in this matterOur understanding from Mrs [redacted] 's complaint is that she received her refund for the Chesapeake policies she had applied for; however, she has not received a refund for the Chesapeake policies that her husband, Amos [redacted] , had applied forOur records indicate that an application was submitted for Amos [redacted] for an individual supplemental Accident Disability Direct, Critical Illness Direct and Accident Direct policy on November 7, The policies were issued and an effective date of December 1, was agreed uponThe premium amounts for each of the policies issued were as follows, Accident Disability Direct $36.07, Critical Illness $and Accident Direct is $The total premiums for Mr [redacted] 's policies was $plus the $application fee, totaling $On November 9, Mrs [redacted] contacted our office indicating that the payments for Mr [redacted] 's policies should not have been charged on her credit card She requested to be refunded for these charges and asked that we collect the money from a credit card ending in On November 10, $was refunded back to Mrs [redacted] 's card in the form of a reversal/credit back to her cardThe money was then re-collected from the credit card ending in on November 10, as Mrs [redacted] requestedOn November 14, the [redacted] 's contacted our office and requested to cancel Mr [redacted] 's policies entirelyThe cancellation was processed and a full refund of $was Issued (in the form of a reversal to the card ending in 1438) on November 13, We are not sure where the refund amount of $comes fromWe would like to explain that our agents are independently contracted and appointed to sell for multiple insurance carriersWe would only have access to the insurance coverage that was purchased through ChesapeakeIn the event other coverage was purchased through another carrier, the [redacted] s would need to contact that carrier separately regarding the cancellation and refundHealthMarkets, Incis a holding company that includes as part of its corporate group the following insurance subsidiaries: The Chesapeake Life Insurance Companys and Mid-West National Life Insurance Company Of TennesseeSM and distribution company HealthMarkets Insurance Agency, Inc Please know that we take the allegations regarding our agents very seriously and thank Mrs [redacted] you for bringing her concerns to our attentionIf you have any questions please contact me at ###-###-#### or via email at [redacted]

This is in response Mrs [redacted] ’s complaint to your office which was filed on September 8, Thank you for the opportunity to assist you with this matter First, it is important that we explain that our sales representatives are independent licensed insurance agents who are given the training and tools to provide our prospective customers with information regarding the products we offer so the consumer can make an informed decision in choosing coverage that fits his or her needsPlease understand that they are appointed to solicit Chesapeake’s insurance products, but may also solicit insurance for other insurance carriers not affiliated with Chesapeake Second, we want to explain the plans referenced above are separate from and typically sold in conjunction with health insurance as they are designed to supplement the applicant’s health insuranceThese plans pay a lump-sum cash benefit directly to the insured for certain specific illnesses or injuries as listed in their PoliciesThe money can be used not only to pay deductibles, co-pays, or co-insurance, but rent/mortgage payments, car payments, or just everyday living expenses Our records indicate an electronic application was submitted on Mrs [redacted] ’s behalf for the products referenced above on December 30, using our Voice Signature process through our recorded telesales systemWe have reviewed the recording and determined the agent read aloud the application documents and disclosuresTo verify Mrs [redacted] ’s identity during the Voice Signature process the agent collected and entered into the system the last digits of her Social Security Number (***) Additionally, upon approval of the application, an email was sent to the email address provided on the application (c[redacted] ) which informed Mrs [redacted] that her application was approved, the initial premium was being processed and provided the phone number to our Supplemental Support Services Department should there have been any questions The application was received on December 30, and the coverage went into effect on February 1, as requested on the application We rely on the verbally signed application as acknowledgement that Mrs [redacted] understood the coverage being applied for as well as the verbally signed Bank Authorization for Automatic Withdrawal form as authorization to debit the designated bank account for the initial and recurrent premium payment Mrs [redacted] elected to receive certain documents related to her insurance policies electronically and on January 1, an email was sent to c[redacted] [email protected] email stated (in part): You have selected to receive copies of your insurance documents electronically, which means you will not receive a printed copy of your policy, forms, or ID cards in the mailInstead, your policy and information regarding all approved products and individuals, is available online on out secure member portal through your Personal Home Page The email went on to give instructions on accessing the member portal, setting up the Personal Home Page and viewing and printing the policiesJust under the instructions the email states: We recommend that you download a copy of your policy for future referenceYou may also request a mailed paper copy of your policy by calling us at 1-800-815- A follemail was sent to Mrs [redacted] on January 28, We have no way of knowing if Mrs [redacted] opened or read the emails and downloaded and/or printed a copy of the policiesFurthermore, we did not receive a phone call from Ms [redacted] requesting a paper copy of the policies; therefore, the policies were not sent by mail to her To ensure the coverage met your insurance needs the each policy provided you a day free-look periodThe first page of the policy asked that you read the policy carefullyThe “Day Right to Examine The Policy” section states: It is important to Us that You understand and are satisfied with the coverage being provided to YouIf You are not satisfied that this coverage will meet Your insurance needs, You may return this Policy to Us at Our administrative office in North Richland Hills, Texas, within days after You receive itUpon receipt, We will cancel Your coverage as of the Policy Date, refund all premiums You have paid We did not receive any notification that the emails were undeliverable and did not receive any correspondence from her during the day free-look period In her complaint Mrs [redacted] requested “something from them where I gave them my account number.” As all calls between the agents and clients are recorded for quality and compliance purposes we were able to review the phone conversation between the agent Evan Gold with the Lighthouse Insurance Group and Mrs [redacted] We were able to ascertain that the agent asked Mrs [redacted] if she was paying with a checking account, credit card or debit card and Mrs [redacted] stated, “I can do a check by phone” and the agent asked, “you said a checking account?” and Mrs [redacted] replied in the affirmativeMrs [redacted] then had to get a check from someone in the background because she was unable to locate her purseShe then provided the agent with her routing and checking number for her Public Federal Credit Union bank account Mrand Mrs [redacted] ’s policies were cancelled as of July 1, A refund in the amount of $was issued to Mrs [redacted] on August 10, under check number and a refund in the amount of $was issued to MrAnthony [redacted] on the same date under check number The total reimbursed amount of $is equal to the total premiums drafted for July and August Upon further review we found that the agent did not adequately explain to Mrs [redacted] that the supplemental plans were separate from the health insurance and that the premiums would be paid separately; therefore, we have cancelled Mrand Mrs [redacted] ’s supplemental plans back to the February 1, effective date and a full refund including the application fee will be sent to her under separate cover We sincerely apologize for any misunderstanding or inconvenience and we hope this letter provides you more information regarding this matterShould you have additional questions or concerns regarding this matter, you may contact me at 1-888-883-4264, extension 3268, or via email at [email protected] Sincerely, Stephanie Jones, Investigator Consumer Affairs Department You may use this form or write/type your position on a separate sheet of paperIndicate any action(s) you have taken to resolve this complaintIf you believe this complaint is without merit, please explain whyReturn the form or response along with any additional documentation you wish to submit to the Revdex.com that will help us understand your position Has the consumer previously contacted you or someone in your business about the enclosed complaint? Yes After reviewing the complaint, inidcate its current status in your response: __X__ We have settled the complaint to the consumer's satisfaction _____ We intend to settle the complaint (state date) _____ We feel this complaint is unjustified _____ None of the above fits this situation

This is in response to your inquiry which was received in our office February 29, Thank you for the opportunity to assist you with this matter.First, it is important that we explain that our sales representatives are independent licensed insurance agents who are given the training and tools to provide our prospective customers with information regarding the products we offer so the consumer can make an informed decision in choosing coverage that fits his or her needs Please understand that they are appointed to solicit Chesapeake’s insurance products, but may also solicit insurance for other insurance carriers not affiliated with Chesapeake.Second, we want to explain the plans referenced above are separate from and typically sold in conjunction with health insurance as they are designed to supplement health insurance These plans pay a lump-sum cash benefit directly to the insured person for certain specific illnesses or injuries as listed in his or her Policies The money can be used not only to pay deductibles, co-pays, or co-insurance, but rent/mortgage payments, car payments, or just everyday living expenses Our records indicate an electronic application was submitted on Ms [redacted] ***’s behalf for the products referenced above on November 24, using our Voice Signature process through our recorded telesales system We have reviewed the recording and verified that the agent explained to Ms [redacted] that her verbal acknowledgement constitutes her legal signature on the application for insuranceTo verify her identity during the Voice Signature process the agent also collected and entered into the system the last digits of Ms***’s driver’s license number (8428).The application was received on November 24, and the coverage went into effect on January 1, as requested on the application.We understand that there is no way for our office to fully know the extent of what was discussed between Ms [redacted] and the agent; therefore, we relied on the verbally signed application as acknowledgement that Ms [redacted] understood the coverage being applied for as well as the verbally signed Authorization for Credit Card or Debit Card Payments form as authorization to charge the designated Visa® credit card account for the initial and recurrent premium payment.A copy of each policy was mailed to Ms*** To ensure the coverage met her insurance needs each policy provided Ms [redacted] a day free-look period The first page of the policy asked that you read the policy carefully The “Day Right to Examine The Policy” section states:It is important to Us that You understand and are satisfied with the coverage being provided to You If You are not satisfied that this coverage will meet Your insurance needs, You may return this Policy to Us at Our administrative office in North Richland Hills, Texas, within days after You receive it Upon receipt, We will cancel Your coverage as of the Policy Date, refund all premiums You have paid.Ms [redacted] contacted our office during the day free-look period to cancel her coverage; therefore, the coverage was cancelled as of January 1, and a full refund of the initial premium paid was credited back to the designated Visa® card on March 3, We sincerely apologize for any misunderstanding or inconvenience and we hope this letter provides you more information regarding this matterShould you have additional questions or concerns regarding this matter, you may contact me via email at [email protected]

Thank you for speaking with me on May I , regarding the billing and premium collection issues you have experienced with The Chesapeake Life Insurance Company ("Chesapeake").A review of our records reflects that the billing mode selected for your coverage is monthly direct billingOn November , 2016, Chesapeake received your premium payment for two months of premiumAn error occurred and only one month of premium was posted to your account.We respectfully apologize for the error and any inconvenience this may have caused youChesapeake has posted the additional month of premium to your policyPer your request, please find enclosed an updated billing statement which reflects that the additional month of premium has been posted to your policy

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is conditionally satisfactory to me The business reply was full of lies I do not accept the lies in their reply - covering themselves.I DID NOT apply for ANY insurance with Chesapeake;I DID state that I DID NOT request this insurance and they should ACH my money back in my account the same way they ACH my money out of my account;I asked for my money back, I did ask the CSR to remove me from their records and cancel any and everything they created;The CSR said they could not remove my information from their records, could not cancel the account, AND it would take 6-weeks before I would receive my money back in the mail in the form of a check.If our conversation was recorded, and I hope it was, it would prove the truth It would confirm my request for my money back and cancel insurance I did not order I spoke with the CSR with other people present If necessary, these people will confirm my side of the phone conversation and my frustration with what the CSR was telling me.I received this reply from the Revdex.com on 08/07/2017; on 08/08/my bank account was HIT again by Chesapeake for another $plus a $overdraft fee from my credit union; I did not expect their ACH and I didn't have enough money in my account to cover this unexpected HIT I barely 'survive' paycheck to paycheck.I have a medical diagnosis of PTSD from my Son's suicide I live with anxiety and panic attacks daily.This situation with Chesapeake cost me $financially and physically created an increase in my PTSD attacks I expect a minimum of $returned to me - immediately And I never want to deal with Chesapeake / SureBridge again.As stated in Chesapeake's response on 08/07/2017, (one day before they took more money and caused an overdraft fee), I expect a minimum of $no later than 08/18/- ten business days Kindest Regards, [redacted]

We’ve searched our records and are unable to find an insurance policy for Ms [redacted] We were able to confirm that her agent, Mr [redacted] ***, is appointed to solicit SureBridge/Chesapeake’s insurance products, but he most likely also solicits insurance for other insurance carriers not affiliated with Chesapeake We feel Ms [redacted] ’ complaint may be directed at the wrong carrier We’ll be happy to research further; however, we will need a bit more information from Ms [redacted] such as her policy number and also if she could confirm the applicant’s name It’s unclear based on her statements, whether the plan was taken out for herself or her daughter.Sincerely, [redacted] ***Manager, Consumer AffairsHas the consumer previously contacted you or someone in your business about the enclosed complaint? Not that we can tellAfter reviewing the complaint, inidcate its current status in your response:_____ We have settled the complaint to the consumer's satisfaction _____ We intend to settle the complaint (state date)__X__ We feel this complaint is unjustified_____ None of the above fits this situation

Thank you for your recent inquiry regarding [redacted] We offer the following information inresponse to the complaintA review of our records indicate that Ms [redacted] contacted The ChesapeakeLife Insurance Company (“Chesapeake”) on September 15, to request cancellation of her VisionPolicy and Dental PolicyThe policies were cancelled effective September 1, 2016.Ms [redacted] has provided a copy of her statement indicating that additional premiums were withdrawnafter the policies were cancelledWe are currently investigating this matter and will contact Ms [redacted] directly on January 3, to resolve the matter.Please feel free to contact me at [redacted] m if you have questions or needany additional information

Thank you for your recent inquiry regarding Ms [redacted] ***We would like to thankyou for giving us the opportunity to review this matter.In order to properly review Ms***’s claim and determine benefits and eligibilitymedical records were requested from multiple providers including Dr***Ms ***was notified in writing in October and November of of the needed informationForyour convenience copies of these letters are enclosed.Although we originally received records from Dr [redacted] in November of 2015,review of the records received showed that Dr***’s office did not provide completemedical recordsOur office made several attempts to obtain the complete recordsbeginning on December 8, However complete records were not received from Dr.***’s office until February 11, We apologize for any inconvenience this hascaused Ms***.As the records have now been received the processing will be completed within the nextbusiness days and any benefits due will be sent directly to Ms***.We trust this answers any questions you [redacted] haveIf we can be of further assistanceplease don’t hesitate to contact me at ###-###-####, ext***, or at [redacted]

We are writing in response to your March 22, inquiry regarding [redacted] *** We received a call from Ms [redacted] on March 2, regarding a double draft on her Visa for dental coverageAt the time of the call, representative [redacted] explained that two policies had been keyed in errorMs [redacted] understood that Ms [redacted] wished to keep one of the plans active and wanted the duplicate plan canceled and refundedThe duplicate coverage was canceled and a full refund was issued to Ms***’s credit card on February 29, It appears that Ms [redacted] intended to cancel all coverageTherefore, the original policy has also been canceled and a full refund was issued to her credit card on March 28, We trust this answers any questions you may haveIf we can be of further assistance please don’t hesitate to contact me at ###-###-####, ext***, or at [email protected]

This is in response to your web inquiry received on January 22, 2016, regarding the above-referenced Case ID This letter will serve to inform you that keeping policy owner information secure and private is one of our top priorities In compliance with state and federal privacy laws, we are required to restrict access to the above policy information to the policy owner We are allowed to disclose information only as authorized in writing by the policy owner or as otherwise permitted by law Because we have not received written authorization from the policy owner, we are sorry but we cannot provide you any information on said policy Thus your request for assistance will be addressed directly to the policy owner If a written request is received from the policy owner authorizing our company to release information concerning this policy to you, then the information requested will be provided to you If you have any questions, please call the Client Service Center at ###-###-#### Monday through Friday 8:AM to 5:PM Central Time Sincerely, Client Services Has the consumer previously contacted you or someone in your business about the enclosed complaint? Yes After reviewing the complaint, inidcate its current status in your response: _____ We have settled the complaint to the consumer's satisfaction _____ We intend to settle the complaint (state date) __X__ We feel this complaint is unjustified _____ None of the above fits this situation

We are writing in response to your March 30, inquiry regarding [redacted] ***.The refund was processed by our office and transmitted to Ms***’s financial institution on March 29, 2016.Unfortunately, Chesapeake has no control over the length of time it takes for the refund to appear as this is based on how quickly her financial institution processes the credit to her account.We trust this answers any questions you may haveIf we can be of further assistance please don’t hesitate to contact me at ###-###-####, ext***, or at [email protected]

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 Regards, [redacted]

The Chesapeake Life Insurance Company ('Chesapeake") is in receipt of your December 9, inquiry regarding the above referenced fileThank you for the opportunity to assist in this matter,In review of the claim in question our records indicate we received the claim on November and it was processed on November 24, The check was released on the next business day, November 27, and was mailed to [redacted] ***Ms [redacted] contacted our office on December 8, and advised us that she had not received the checkWe recommended that she wait another week due to the busy holiday mail seasonMs [redacted] called back in on December 1, stating she had still not received the checkWe began the stop payment process at that time which included confirming that the check had not been cashed prior to placing the stop pay and cutting a new checkWe received confirmation on December 18, that the stop payment went throughThe claim was reprocessed December 19, (claim [redacted] ) and the new check was issued December 20, 2017.We are not sure why Ms [redacted] never received the first check, we confirmed with her that it was the correct address and we never received any return mailWe apologize for any inconvenience this may have caused.Should you have additional questions or concerns please contact me at ###-###-#### or via email at [redacted]

The Chesapeake Life Insurance Company ("Chesapeake") is in receipt of your January 3, correspondence regarding the above referenced fileThank you for the opportunity to assist in this matter.According to our records Mr [redacted] has had insurance with Chesapeake since May 1, His July, August, November and December payments have all returned unpaidAll of the other payments went through without any issues.The notification of the returned credit card charge was sent to us from Chase PaymentechPerhaps Mr [redacted] could contact his credit card company to see what the issue may be on their end.We apologize for the inconvenience this has caused Mr [redacted] Should you have additional questions or concerns please contact me at ###-###-#### or via email at [redacted]

Thank you for your recent inquiry regarding Ms [redacted] ***We offer the following information inresponse to Ms***’ complaint.The Chesapeake Life Insurance Company (“Chesapeake”) received a cancellation request from Ms***on December 5, 2016, wherein she stated that she expected that the individual supplemental policiesissued to her by Chesapeake would be cancelled when she cancelled her primary health insurance with [redacted] Chesapeake is not affiliated with [redacted] and does not have access to Ms***’ healthinsurance information with [redacted] .Chesapeake has cancelled Ms***’ individual supplemental policies and is sending a letter to her thatfurther explains the actions taken by Chesapeake regarding this matter.Please feel free to contact me at [redacted] if you have questions or needany additional information

The Chesapeake Life Insurance Company ("Chesapeake") is in receipt of your July 25, email correspondence regarding the above referenced file, Thank you for the opportunity to assist in this matter.Mr [redacted] contacted us directly with regards to the claim in question and we provided him a response on July , We explained to Mr [redacted] the claim information we received indicates his disability began December , and that he returned to work on February , Mr [redacted] was out of work for a total of daysHis policy has a $monthly benefit and includes a day elimination periodAfter applying the day elimination period there would be day of eligibility, The amount payable for one day would be $($benefit divided by days equals $83.33).Based on our review the claim was paid according to the policy provisionsShould you have additional questions or concerns please contact me at ###-###-#### or via email at [redacted]