SureBridge

The
Chesapeake Life Insurance Company ("Chesapeake") is in receipt of
your March 30, 2017 correspondence regarding [redacted].Ms. [redacted] was concerned that her refund check would be sent
to her New York address instead of her Florida address. According to our
records the check was issued to the address we had on file, which was the New
York address. A stop payment has been placed on the check and once confirmation
is received indicating the stop payment was successful we will refund the money
back to the credit card we have on file for Ms. [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 Affairs1. Has the consumer previously contacted you or someone in your business about the enclosed complaint? Not that we can tell.2. 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

This issue is resolved.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10738759./ Attached are the documents that were sent to my daughter. Does this not mean he works for surebridge? If he sodes not work for surebridge then it would seem that he is fraudulently selling policies... Please explain.

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 [redacted]’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.

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 May 15, 2017 correspondence
regarding the above referenced file. Thank you for the opportunity to assist in
this matter.According to our records [redacted] applied for an individual
supplemental HospitalConfinement...

Direct (Hospital Confinement Indemnity Policy)f
Vision Insurance Policy (PremiereVision Plan), Critical Illness Direct Policy (Specified
Disease/Condition and Major OrganTransplant Policy) and Accident Direct (Accidental Injury
Only Insurance Policy) on January 23, 2015. These policies were issued
effective January 23, 2015,Our records indicate all of
the above referenced policies were mailed to Ms. [redacted] on January 26, 2015
to 20 Grant st. North Brookfield MA 01535 which is the same address she
provided at the time of application and the same address that was included in
your request. On page I of each policy it states in part, "10 Day Right to
Examine the Policy. It is important to US that You understand and are satisfied
with YOUR insurance needs, You may return this Policy to US at Our
Administrative Office in North Richland Hills, Texas within 10 days after You
receive it. Upon receipt, We will cancel Your coverage as of the Policy Date,
and You will receive a full refund of all premiums You have paid".Ms. [redacted] contacted Chesapeake by telephone on
March 29, 2017 requesting the cancellation of her insurance coverage. Prior to
this telephone call we had not received any other request to cancel the
insurance coverage. A refund of two months of premium was provided to Ms,
[redacted] and her insurance coverage was cancelled effective February 23, 2017.HealthMarkets,
Inc. is a holding company that includes insurance subsidiaries The Chesapeake
Life Insurance Companyw and Mid-West National Life Insurance Company
of TennesseeSM , and a subsidiary distribution company HealthMarkets
Insurance Agency v the d/b/a or assumed name of Insphere Insurance Solutions,
Inc., which licensed as an insurance agency in all 50 states and the District
cf Columbia.In an effort to resolve this matter for Ms. [redacted] we will issue a
full refund of the premiums she has paid. We are in the process of issuing the
refund now and expect to have this completed within the next 10 business days.

The Chesapeake Life Insurance Company ("Chesapeake") is in receipt of your January 3, 2018 correspondence regarding the above referenced file. Thank you for the opportunity to assist in this matter.According to our records Mr. [redacted] has had insurance with Chesapeake since May 1, 2017. His July,...

August, November and December payments have all returned unpaid. All of the other payments went through without any issues.The notification of the returned credit card charge was sent to us from Chase Paymentech. Perhaps 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]

The Chesapeake Life Insurance Company ("Chesapeake")
is in receipt of your July 25, 2017 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 21 , 2017. We explained to Mr. [redacted] the claim information we
received indicates his disability began December 31 , 2016 and that he returned
to work on February 1 , 2017. Mr. [redacted] was out of work for a total of 31
days. His policy has a $2500 monthly benefit and includes a 30 day elimination
period. After applying the 30 day elimination period there would be 1 day of
eligibility, The amount payable for one day would be $83.33 ($2500 benefit divided
by 30 days equals $83.33).Based on our review the
claim was paid according to the policy provisions. Should you have additional
questions or concerns please contact me at ###-###-#### or via email at [redacted].

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

The Chesapeake Life Insurance Company
('Chesapeake") is in receipt of your December 1 9, 2017 inquiry regarding
the above referenced file. Thank 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
17 2017 and...

it was processed on
November 24, 2017. The check was released on the next business day, November
27, 2017 and was mailed to [redacted]
[redacted]. Ms. [redacted] contacted our office on December 8, 2017 and advised us that
she had not received the check. We recommended that she wait another week due
to the busy holiday mail season. Ms. [redacted] called back in on December 1 1, 2017
stating she had still not received the check. We 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 check. We received confirmation on
December 18, 2017 that the stop payment went through. The claim was reprocessed
December 19, 2017 (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 mail. We apologize for any inconvenience this may have
caused.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 would like to thankyou for giving us the opportunity to review this matter.In order to properly review Ms. [redacted]’s claim and determine benefits and eligibilitymedical records were requested from multiple providers including Dr. [redacted]. Ms....

[redacted]was notified in writing in October and November of 2015 of the needed information. Foryour 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. [redacted]’s office did not provide completemedical records. Our office made several attempts to obtain the complete recordsbeginning on December 8, 2015. However complete records were not received from Dr.[redacted]’s office until February 11, 2016. We apologize for any inconvenience this hascaused Ms. [redacted].As the records have now been received the processing will be completed within the next7 business days and any benefits due will be sent directly to Ms. [redacted].We trust this answers any questions you [redacted] have. If we can be of further assistanceplease don’t hesitate to contact me at ###-###-####, ext. [redacted], or at[redacted]

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 8:00 AM to 5:00 PM Central
Time. 
Sincerely,
 
Client Services
1. Has the consumer previously contacted you or someone in
your business about the enclosed complaint? Yes
2. 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

I still have not got my refund.

Thank you for speaking with me on
May I , 2017 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 billing. On...

November 21 , 2016,
Chesapeake received your premium payment for two months of premium. An 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 you. Chesapeake has posted the
additional month of premium to your policy. Per your request, please find
enclosed an updated billing statement which reflects that the additional month
of premium has been posted to your policy.

Thank you for your recent inquiry regarding [redacted]. We offer the following information inresponse to the complaint. A review of our records indicate that Ms. [redacted] contacted The ChesapeakeLife Insurance Company (“Chesapeake”) on September 15, 2016 to request cancellation of her...

VisionPolicy and Dental Policy. The 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 cancelled. We are currently investigating this matter and will contact Ms. [redacted]directly on January 3, 2016 to resolve the matter.Please feel free to contact me at [redacted]m if you have questions or needany additional information.

I have attached a copy of the policy statement dated December 8, 2015, that Chesapeake Life Insurance Co. faxed 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 time. I 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, 2008 (not October 29, 2015).  The policy went into effect October 7, 2008 and my mother has made payments of $40.81 each month until November 2015.  Chesapeake Life quit drafting her checking account in November, as soon as they received paperwork that I was surrendering the account.  On January 26, 2016 I received a check for my mother from Chesapeake Life in the amount of $1058.31. As you can see on the Surrender Statement attached, the amount should be $1085.40. 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 $27.09 they still owe her.  PER their paperwork.

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