 Help! Health insurance is bankrupting us.? |
| when I signed up for the updated health insurance plan at work a month ago, I didn't realize that the amount they were asking was not per month but per pay period (so we're not talking ... |
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 Does anyone know of any life insurance companies that will let you take out a term life policy for one age 69? |
| My grandfather and I are really close. He keeps telling me that he wants me to get a insurance policy on him which makes me feel bad, because I get the feeling there's something else serious he ... |
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 Getting paid cash under the table? |
| My 18 year old son just took a job as a painter/maintenance man that pays him $15 under the table working for a guy who owns quite a bit of property. I feel very leary of this. Not to mention the kid ... |
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 Someone broke into my car and stole my GPS unit and IPOD. How can I get insurance to pay for them? |
| The insurance company says that they do not cover items in the the car, but rather only items that are a part of the car. What should I do?... |
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 Car insurance question? |
| I just payed my car insurance in full From January till May and i want to change my insurance company because i got a better offer from another company. My question is can i cancel the one i have ... |
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 Grad. Student needs health insurance? |
| I will be quitting my full-time job to attend Grad school full-time in May. Unfortunately I will lose my health insurance covered by my employer. I really cannot go with out health insurance. I ... |
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 I need help with a medical procedure insurance denial that is necessary? |
| I had an MRI a couple weeks ago, which showed a syrinx in my spinal cord (also known as syringomyelia). The MRI was for brain/neck only and was done because I was having headaches. I need to have an M... |
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 Our landlord said we could have a cat if we? |
| paid him 200 bucks for a payment and said we would have to show him proof of animal insurance. ? Who carries this?... |
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 If I get insurance with either Allstate or State Farm online, will I need to show prove that I'm married? |
| I am planning in getting insurance with either of the two insurances mentioned and I am aware that if I decide to say that I am married my rate will be lower; my concern is if they will ask for some ... |
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 Will the insurance go up? |
| I was diagnosed with a mild asthma a couple months ago. I am now on a continuous treatment of two medications and an emergency inhaler. I am in my late teens, so I am still a dependent for my ... |
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 Is there anyway my mom can get medical insurance with a pre-existing condition (cancer)? |
| She doesn't qualify for any social services (such as medicaid) and doesn't have enough money for chemotherapy. Hospital is already going to sue her for her bills that she has no way of ... |
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 When u get cigarette promo items/coupons at a bar and they scan your ID does it get back to your insurance? |
| I was out at a bar and got a free lighter and they scanned my license... will this ever get back to my insurance co. or my employer?... |
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 Steps to getting your life insurance license in CA? |
| I have no previous experience with Life Insurance and am considering getting my life insurance license. What are the steps involved, how long does it take, how much does it cost, and how difficult is ... |
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 How do i claim life insurance for my mother after my dad has deceased? |
| My father has 2 different life ins policies, when calling bankers life they said they need the original policy. One of the policies was over 50 years ago, no way i will find the original. Where do ... |
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tia r | Life insurance bank draft? |
My husband was approved for a life insurance policy for a rate of 14.21. When his medical test came back they raised the raised from 14.21 to 44.95. He never agreed to the rate but we just found out that they have been drafting the funds for over 7 months of 44.95. Now they are claiming that they got a verbal agreement from him (which is untrue) for the rate change. They do not want to send us any documentations with his signatures. What can we do to get the money back? |
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PJ
 |
Arggg... what a pain. Sorry to hear that.
File a complaint with your state insurance department. They will get it resolved quickly. They will have to prove that he accepted the new rate or will refund your money. Where I am an insurance company has 7 days to respond to a complaint field with the insurance department.
Good luck. |
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WE
 |
You can report to the Better Business Bureau in your area after writing to the person in charge of the life insurance company. The BBB will want to know if you first contacted the company. Printout copies of the drafts from the checking account to be ready to mail to the BBB. It usually pays off to have full documentation and records. Also make sure the drafts for those amounts is stopped at the bank for any future drafts. |
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tazmaniac0350
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more then likely the only thing you can do is report them to the insurance bureau in your state and take them to small claims court. good luck with those thieves |
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Barry auh2o
|
Before you go crying to the ins commissioner or a lawyer or your kindergarden teacher like these people recommend, did you call the ins co and ask what is going on???
If not, do it , now. I mean, NOW!
Don't be surprised if they can't tell you, ((HIPAA))but they can tell you when and who your husband should call. |
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mbrcatz
|
File a complaint with your state insurance commissioner. Have the policy cancelled, and ask for a refund of ALL the premium.
You don't NEED any documentation with his signatures. |
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ernesto_tig
|
In my state, if there is an uprate in life coverage, the insured must acknowledge the change by signing a bunch on forms, illustrations, and resubmit the EFT draft request; so if your husband does not remember that, you may have been bamboozled. In my agent days, it was not unheard of for agents with a quota to reach to "help" the customers in document signing. Someone would have copies of signatures authorizing extra premium.
I'd start with the insurance company, if they have local managers complain to them about canceling the policy and getting your money back. If no local relief, call the home office customer service and ask for the same thing. No luck, call the state DOI and complain; most have complaint forms on the Internet. You can also request your bank to stop the draft.
Good luck |
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aaron p
 |
You should also have a copy of the labs sent to your husband's doctor to review to make sure he's healthy. If everthing is okay, talk to a real-life broker (not 800-whoever or internet only person) who can help you navigate his health to find the best rate.
My wife has a table H on her policy (about 400% higher than normal), but we're still hanging onto it because the risk is too high without it. I know I would need the money 'cause without her I'm a wreck. |
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