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I have attached a copy of the policy statement dated December 8, 2015, that Chesapeake Life Insurance Cofaxed to the assisted living facility, my mother is in, The assisted living facility needed this statement to forward to DHS to show any assets my mother had at that timeI have also attached a copy of the letter I mailed to Chesapeake Life Insurance Co., giving them permission to talk to The Revdex.com concerning my mother's life insurance policy I would like to note that I made a mistake when filling out the original complaint The purchase date was October 1, (not October 29, 2015) The policy went into effect October 7, and my mother has made payments of $each month until November Chesapeake Life quit drafting her checking account in November, as soon as they received paperwork that I was surrendering the account On January 26, I received a check for my mother from Chesapeake Life in the amount of $As you can see on the Surrender Statement attached, the amount should be $I have fought for over three months with this company; having to make numerous phone calls and in return being promised calls back that I didn't get and being promised paperwork that was never mailed to me This complaint will not be resolved until they pay my mother the $they still owe her PER their paperwork

Thank you for your December 29, letter regarding Mr [redacted] The Chesapeake LifeInsurance Company (“Chesapeake”) has reissued the benefit payment for Mr [redacted] ’s accident claim.The benefit payment and an Explanation of Benefits will be mailed to Mr [redacted] on January 9, 2017.Additionally, Chesapeake is sending a letter to Mr [redacted] to provide written confirmation that his claimhas been processed and a check is being mailed to him.Please feel free to contact me at [redacted] if you have questions or needany additional information

Thank you for your recent inquiry regarding Mr. [redacted] and Mrs. [redacted] ***. We offer the followinginformation in response to the complaint. A review of our records indicate that on December 1, 2016, Mr. [redacted] contacted The Chesapeake Life Insurance Company (“Chesapeake”) and stated that their... DentalPolicy and Vision Policy were cancelled in error and requested that they be reinstated.Due to the confusion regarding the ***’s policies and in an effort to resolve the matter, Chesapeake willcontact Mr. and Mrs. [redacted] directly on Tuesday December 27, 2016 to resolve the matter.Please feel free to contact me at [redacted] if you have questions or needany additional information.

Attached is our response to complaint [redacted] Please let us know if you have any questions

Complaint: [redacted] I am rejecting this response because: I have some concern my address is still incorrect according to consumer services my correct address is [redacted] ***can I have my refund sent to me by direct deposit? or do I have to wait for a check in the mail ?Regards, [redacted]

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.Mr. [redacted] has stated that he sent an authorization for us to release information directly to you but we do not show receipt of that authorization. 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 8:00 AM to 5:00 PM Central Time. Sincerely,Client Services

To confirm, yes, Mr***’s supplemental policies with The Chesapeake Life Insurance Company have been cancelled as of October 1, and no further debits will take place Unfortunately, I can’t explain why he only received the billing change letter dated September 15, and not the cancellation letter mailed the following day As further confirmation, our original response confirmed his cancellation and our subsequent response included a copy of our letter confirming the cancellation of his insurance plans which was mailed to Mr [redacted] following his call to our office on September 16, We 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 directly at ###-###-#### or via email at [email protected]

Thank you for your recent inquiry regarding *** ***We offer the following information in response to her complaint.Ms*** spoke to the manger, *** *** on May 26, MsColbert has agreed to provide a full refund to Ms***Ms*** will receive the refund under separate
cover

I am not sure what else at this point to tell Mr***He filed complaints to other states also which we have answeredWe have not heard anything else from him recentlyWe again explained that the December payment did initially go through so we agree that he would have seen this on his statementHowever, the issue is we received a subsequent transaction from Paymentech after we took the money out requesting a reversal of the money, the reason specifically stated was “chargeback reason- -REQUESTED/REQUIRED AUTH NOT OBTAINED”The money was returned back to the financial institution When Mr*** contacted us stating that he did not know why the money was requested back our Accounting Department contacted Paymentech who confirmed the chargeback request and advised us the credit was sent back to the card we had on file on January 3, 2017. Chesapeake has no control over how long it would take the financial institution to credit the funds back to Mr***’s accountNor do we have a way to track the money since these funds are no longer in our possession. We advised Mr*** that he could contact his financial institution to see how long it takes for a credit to show up on his account I may be able to get documentation from Paymentech showing proof of the charge back requestI am requesting that now

The Chesapeake Life Insurance Company ("Chesapeake") is in receipt of your March 15, correspondence regarding the above reference insured and file numberThank you for the opportunity to assist in this matterOur records indicate *** *** and *** *** applied for an individual
supplemental Critical Illness Direct (Specified Disease/Condition and Major Organ Transplant Policy), Accident Companion (Accidental Injury Only Insurance Policy), Vision Insurance (Premiere Vision Plan), and Dental Insurance Policy (PPO Premiere Dental Plan) on January 31, The policies were issued effective February 1, According to our records, the Vision Insurance was cancelled effective February 1, and that Critical Illness Direct and Accident Companion were cancelled effective March 1, 2016, With regards to the Dental Insurancethe customer contacted Chesapeake in February requesting to cancel the dental coverage back to the effective date and to receive a refund of the premiums paidA refund in the amount of $was issued on February 15, After a review of this policy records indicated a claim was processed and paid on February 25, 2016; therefore, Chesapeake was not able to refund the premiums back to the effective dateIn an effort to resolve this complaint Chesapeake will cancel the dental insurance effective March and refund the premiums back to that dateAn refund in the amount of $will be sent to the insured under separate coverageWe are hopeful that this information and the actions taken by Chesapeake will resolve this matter for Mrs***Should you have additional questions or concerns please contact me at ###-###-#### or via email at ***

This is in response to your inquiry which was sent to our office on December 14, Thank you for the opportunity to assist you with this matter.In the “Customer’s Statement of the Problem” Mrs***, writing on behalf of her husband James ***, indicated that her husband was looking
for health insurance She reported that Mr*** believed he was purchasing health insurance and was not aware he was purchasing supplemental insurance Later Mr*** contacted our office to cancel the supplemental plans and was informed that a refund check would be issued within days Mrs*** stated her husband called again and was told they should have the refund by the December 8th Then on December 2, they received a letter stating the coverage would be cancelled as of January 1, 2016. Our records indicate an electronic application was submitted on Mr***’s behalf for the products referenced above on November 12, using our Voice Signature process through our recorded telesales system We have reviewed the recording and determined the agent explained the products being applied for stating, “The products we’re applying for on this application are going to be your Dental, Vision, Accident Companion and ProtectFit Plus.” The agent read aloud all documents and disclosures, and explained Mr***’s verbal acknowledgement constitutes his legal signature on the application for insurance. According to the electronic application we received the insured requested the supplemental plans to go into effect on January 1, 2016.We understand that there is no way for our office to fully know the extent of what was discussed between he and the agent; therefore, we rely on the verbally signed application as acknowledgement that he 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.On November 18, Mr*** contacted our office to request the cancellation of his coverage The supplemental policies listed above were all cancelled per Mr***’s request The coverage was cancelled as of the effective date of January 1, Refund checks take approximately thirty days to be processed and issued.Mr*** called in on November 23, 2015; December 1, and December 10, to check the status of the refund Unfortunately, Mr*** was given incorrect information regarding the processing of the refund checks We sincerely apologize for the misinformation and any inconvenience this may have caused. Please note that a refund check will be processed and sent individually for each policy number The refund check for ID number 35Ain the amount of $was issued today The additional checks will be processed and sent under separate cover in the coming days Again, 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 ###-###-####, extension ***, or via email at c***

The Chesapeake Life Insurance Company
("Chesapeake") is in receipt of your September 22, inquiry
regarding the above referenced fileThank you for the opportunity to assist in
this matter,Our records indicate *** *** *** *** applied for
an individual supplemental Critical Illness
and Accident Companion policy on
May 5t In addition to these policies there was another individual
supplemental application submitted to Chesapeake for a ProtectFit Plus policy
on July 15, 2015When Dr, *** contacted Chesapeake on July 20,
to request the cancellation of her insurance coverage it appears only the
Accident Companion and Critical Illness policies were cancelled The ProtectFit
plus policy was not tied to these two policies since it had a different
application dateThere were two payment of $taken for the ProtectFit
policy after the cancellation was requested, one on August 16t and one
September 18, We reversed both of those charges back to Dr
*** account on September 25, 2017In an effort to resolve this matter for Dr
*** we are issuing her a $refund for her overdraft feeWe
apologize for any inconvenience Dr*** was caused Should you have
additional questions or concerns please contact me at ###-###-#### or via
email at ***

Complaint: ***
I am rejecting this response because: Attached is a copy of my bank statementTo wit you will see there is only the payment and no refund
Regards,
*** ***

The Chesapeake Life Insurance Company
("Chesapeake") is in receipt of your May 24, correspondence
regarding the above referenced fileThank you for the opportunity to assist in
this matter.According to our records we
received an application for an individual supplemental
HospitalConfinement Direct Policy (Hospital
Confinement Indemnity), Vision Insurance Policy (PremiereVision Plan), Dental Insurance Policy (PPO Dental Plan
- Premiere) and Accident Companion (Accidental Injury Only Insurance Policy)
for *** *** on November 19, The policies were issued effective
November 19, The billing method selected on the application was a monthly
payment through a credit card.Our records indicate Ms*** did contact Chesapeake by
telephone on May 24, and left a message and we returned her telephone call
the same day, May 24, Ms*** requested the cancellation of her
policies at that time and because she had just made a payment the customer
service representative offered her a refund of that payment which was issued
back to her credit cardMs*** did not request a full refund during this
telephone call; however, in order to resolve this matter we will issue a full
refund back to her credit card as she is requesting nowThis will be issued
within days.Should you have additional questions or concerns please
contact me at ###-###-#### or via email at ***

Dear MrGlover,Please find our response to Mr***' complaint attached

Thank you for your recent inquiry regarding Ms***We offer the following information in response toMs***’ complaint.Ms*** applied for and was issued an individual supplemental accident-only insurance policyunderwritten by The Chesapeake Life Insurance Company (“Chesapeake”), which was
effective October1, 2014.The accident-only insurance policy provides lump-sum benefits for certain losses resulting from accidentalinjuries that first occurs after the coverage has become effective and while the coverage is in force underthe policyThe policy defines Accidental Injury as "sudden, accidental and unanticipated damage to thebody, not of gradual onset requiring immediate medical attention, and not contributed to by a Sickness."In order to determine eligibility of benefits, additional information has been requestedDue to privacylaws, we are not able to discuss the details of Ms***’ claim in this forumHowever, we have spokenwith Ms*** and have sent a letter to her that further explains the request for additional information.Please feel free to contact me by email at *** if you havequestions or require any additional information

Complaint: ***
I am rejecting this response because:I will accept the response as far as them refunding my money, but IF in fact, Mr*** *** did say he had no idea that we wanted to cancel, that is a bold faced lie. I called him on a Friday, a week or two after he sold me the policy and told him to cancel it. He said if he could not get to it that day, he'd cancel it the first thing Monday. I personally wrote a letter to your company requesting the policies be cancelled, just to make sure it would get done. The next month, I was again charged for the insurance and I once again called Mr*** and he assured me that he had cancelled it, but would follow up with the companyHe then called me two days later and told me they didn't have any record of his email requesting the cancellation, nor did they have a record of my letterI just wanted to set the record straight as to you saying that Mr*** had no knowledge of any of thisHe had FULL knowledge and if in fact he says he didn't, he lied!
Regards,
*** ***

The refund was issued to Mr***'s credit/debit card by our office on April 27, 2016. Our office has no control over how long it takes the bank/card company to actually apply the refund we provided to Mr***'s accountMr*** will need to follow up with his appropriate financial institution to resolve this matter

We are so sorry about the passing of Mrs***'s father in law and for the trouble her family is having with cancelling his insurance policyIf we could please obtain more information, we would be happy to review this matter furtherIf she could please provide us with her father in law's name
and last addressAdditionally, can she please clarify, was his life insurance coverage through Chesapeake?Thank you!*** ***

I am rejecting this response because: Attached is a copy of my bank statementTo wit you will see there is only the payment and no refund.Regards,*** ***