Complaints

• Initial Complaint

  08/22/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  My mother purchesed a policy from them on 06-06-2012. We were told that it was paid off by a *******************. My mother passed away on 08/19.2024. I got called today from the insurance company saying that her policy wasn't active since 2012. Now I am stuck trying to pay for her funeral.

  Business response

  09/05/2024

  We sincerely apologize for your loss. After thoroughly reviewing our records, we have confirmed that the policy in question, U312435, lapsed on Oct. 4, 2012, due to non-payment. As a result, the policy was not active or paid-up at the time of your mother's passage. Under the terms of the policy contract, there is no coverage.

  Customer response

  09/14/2024

  The person that sold her the policy, called her the month that it lasped and told her that they ran a contest and she won. Then he told her that her policy was paid in full. The guy that sold it to her is no longer employed by this business due to him doing this to multiple people. That is what I got told by the company. I just want them to make it right because if my mom knew it wasnt paid in full, she would of paid on it.

  Customer response

  09/14/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. 
  
  [Provide details of why you are not satisfied with this resolution.] I want them to make it right because if my mom knew it wasnt paid in full, she would have paid on it. She got told by the guy that sold her the policy that it was paid in full which wasnt true. He scammed her into not paying on it.
  
  Regards,
  
  ***********************************
  

• Initial Complaint

  12/23/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  My father passed away July 23rd. I am still trying to get my policy taken care of. I am promised every time I call they have everything they need. They never contacted me to tell me any different. I call back they need something else. Then they say they have everything they need, ect... This has gone on months. They have a complete lack of communication and don't know how to do their jobs. I asked them if the 3% interest would be deposited with the policy money couldn't answer that.

  Business response

  01/03/2024

  The funeral home notified us of Mr. ***************************** passing on July 26, 2023, due to natural causes. We forwarded our claim form and instructions for filing a claim for death due to natural causes to the funeral home that same day.

  We received claim documents on Nov. 20, 2023, that stated that the insured passed away due to an accident, not natural causes as had been reported previously. We immediately forwarded an updated notice of the additional documents required for accidental deaths that same day. Some of the required documents were received on Dec. 6, 2023; as a courtesy to the complainant, we waived the other documents we otherwise require.
  
  On their claim form, the complainant marked to receive payment by direct deposit; however, no voided check was attached as directed in the instructions on the form. The complainant also requested that the funeral expenses be paid directly from the insurance proceeds; however, the bill from the funeral home was not provided as directed on the form.The complainant provided a voided check to us on Dec. 13, and the funeral bill on Dec. 22.
  
  We admit that the voided check was regrettably overlooked when the claim was settled on Dec. 26, 2023. When this mistake was found,we immediately corrected this and sent payment to the complainant via direct deposit on Dec. 28, 2023. We have issued a check to the funeral home for payment of the funeral bill, and the remainder of the insurance proceeds have been deposited into the complainant's bank account. We hope that this resolves the matter to their satisfaction. 

  Thank you for the opportunity to address ************************** concerns.

• Initial Complaint

  05/28/2023

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I purchased insurance with United Home Life Insurance Company in 2014. I purchased this insurance based on their Guarantees: no health questions, no medical exams, no complicated forms to fill out. The website says you can't be turned down due to your health. Lies. I lost my credit cards in December so naturally, I canceled all of my credit cards. I called all of my creditor including United Home Life Insurance Company and gave them my new information. Well I received a letter in the mail saying the account hadnt been paid in a few months. I called and explain that my cards were lost and I had called in and gave them my new information. They said they didnt receive it but all I had to do was fill out a reinstatement paper and pay all of the overdo money and the nexts months pay. So I did that. A few weeks later they sent me additional papers to fill out. After that, a they sent me more papers to fill out but this time, they had papers for my moms doctor to fill out. A few weeks after that, while I had still been paying the monthly bill, they dropped my mom's insurance due to her health. My mom's health isnt much different now than it was in 2014.I was told I'd be able to get my money back for all the years in paid it. However, they only sent me a check for the money I paid for the reinstatement. They owe me over $10,000. I am seeking reinstatement of my mom's policy or all of the money I paid out.

  Business response

  06/12/2023

  Dear ****************,
  
  Thank you for giving us the opportunity to respond to your concerns regarding your mothers life insurance policy.
  
  The policy was issued in 2014. On Oct. 7, 2022,you spoke with our **************** Representative ******* and confirmed your EFT banking information. Payments were consistently made until November 2022. At that time, we sent you, as the payor, a letter alerting you that the payment had not gone through. Another letter was sent on Dec. 8, 2022, allowing an additional two weeks to make the payment. Since none was received, the policy was placed on Extended Term Insurance on Jan. 7, 2023. You spoke with *******,manager of the ******************** on Jan. 9, 2023, asking for a payment plan exception. Due to the terms of the policy contract, that was denied.
  
  Payment was received on Feb. 1, 2023, however, due to the amount of time that had passed since payment, the policy had to be reinstated. As stated in the policy contract, if the grace ****** ends without sufficient premium being paid, the policy can be reinstated subject to evidence of insurability, payment of all past due premiums, and payment of any policy loan.
  
  We apologize for any misunderstanding and hope this satisfies your questions.

• Initial Complaint

  07/26/2022

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I was in need of insurance and know that being diabetic, it would be hard for me to obtain a policy. So, when, **********************, came to my home as an independent agent, he told me that I would be able to get one with him. So, I signed up for a policy with United Home Life Insurance Company in October 2021, through him. The company never sent me a policy even though, I made bank drafts monthly of $69.14, for $14,000 of coverage. I noticed also that they wanted to cancel my policy when I told them I could not afford the premium and needed to lower the payment. I had called ******************, and he lowered the premium to $50.00 monthly at $10,00 coverage. But, I still have yet, to see any policies from this company. All that I received was a ****, sent in my mother's name for payment of $75.00. (Letter will be sent to you.) When my mother was never to be payor of the ****. Which they had her down for. She only made the initial payment for me. At this time, I asked to be reimbursed because, my 30 day view of the policy has never been honored. All the company wanted to do was for me to sign surrender papers. I want my premiums returned to me of $622.26. I have not signed any papers yet. This company has not been asset to me at all.

  Business response

  08/04/2022

  Response attached.

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩