AMERICAN BANKERS LIFE INSURANCE - HOUSE HOLD MORTAGE -AMERICAN BANKERS LIFE INSURANCE - HOUSE HOLD MORTAGE - ASSURANT SOLUTIONS CXL LIFE INSURANCE AFTER HUSBAND'S DEATH ATLANTA Georgia
In January of 2004 my husband and I called our second mortage company HouseHold Mortage, we wanted to know where the additional $19.95 per month optional insurance was going as we didn't have a policy. When I called Household mortage they transfered my call to Assurant Solutions which they said was a death benifit policy. I called Assurant who told me our policy was cxl in June of 2002 I said that we pay $19.95 per month to Household where was that going they didn't know. I asked them who cxl the policy and the said my husband he was sitting there and said no he did not.
I then called Household back who said oh call this number, I then called another number who said we now have a warranty on our cars and a $10,000 life insurance policy I stated to the lady that we would never change a policy to include a warranty on any vehicle as I am in the car business and my work is free. She said that my husband said he wanted the policy again he was right there and never said anything. I told the lady I wanted a copy of everything she had and that I would call Household mortage and get it handled.
On March 6, 2004 my husband was killed in a avalance. On March 16, 2004 I called Household Mortage to tell them of my loss, I was transfered to Assurant who sent me a death benifit form, now I still don't have any thing in writing from anyone. But on March 23, 2004 Travelers Insurance (owned by american bankers and Assurant} sent my husband a check for preimuns paid to them in the amount of $399.00. I called them and asked what they were doing and they told me that in January I called and cxl the policy, Now I ask why did I pay January, Febuary, March payments to include the optional insurance if I cxl it.
I have sent everything to the Idaho State Department of Insurance as of this date I am still getting the run around. So everyone out there get all your policy's in order don't wait until it's to late. My husband was only 45, it was the only insurance we had and now it's not doing me any good.
Tonyalee
CHANDLER, Arizona
U.S.A.
3 Updates & Rebuttals
Marie
Chaptico,Maryland,
U.S.A.
In Response to the Rebuttal
#4Consumer Comment
Tue, January 16, 2007
My deepest sympathy to the consumer! The rebuttal however is just cruel, insensitive and inaccurate. HOUSEHOLD bears all of the responsibility in this case, as they were the ones collecting the money every month and should know where it is going. If this company has anything to do with ASSURANT, it is no doubt a rip-off!
We lost our home and everything we own in a devastating fire, including our family pet. Though it was a total loss, this company is still making every day of our rebuilding process a living hell. They are cruel, inhuman and don't care about any consumers. I don't know how they sleep at night and hope some day their families can experience the same tragedies, with the same lack of concern and injustice!
Dan
Cleburne,Texas,
U.S.A.
Factual correction
#4UPDATE Employee
Sun, October 31, 2004
Although I have no inside information on the details of this complaint, I would like to correct at least one factual error. Travelers Insurance is owned by Citibank, not Assurant Solurions and American Bankers Insurance. Travelers is quite a bit larger than either of those entities.
This is a fairly crucial bit of information. If the complainant got that wrong I question the accuracy of the rest of the information contained in her notes. While I sympathize with her situation, I think she is attacking the wrong companies.
She probably needs to take her paperwork or records to an attorney (I hate saying that) and have him research for a solution to the situation. An alternative path would be to find out in which states the respective companies are located and contact the insurance commissions in those states.
Assurant has major offices in Miami and Atlanta. I think Travelers is out of Concord, Conneticutt, but can't guarantee that.
Dan
Cleburne,Texas,
U.S.A.
Factual correction
#4UPDATE Employee
Sun, October 31, 2004
Although I have no inside information on the details of this complaint, I would like to correct at least one factual error. Travelers Insurance is owned by Citibank, not Assurant Solurions and American Bankers Insurance. Travelers is quite a bit larger than either of those entities.
This is a fairly crucial bit of information. If the complainant got that wrong I question the accuracy of the rest of the information contained in her notes. While I sympathize with her situation, I think she is attacking the wrong companies.
She probably needs to take her paperwork or records to an attorney (I hate saying that) and have him research for a solution to the situation. An alternative path would be to find out in which states the respective companies are located and contact the insurance commissions in those states.
Assurant has major offices in Miami and Atlanta. I think Travelers is out of Concord, Conneticutt, but can't guarantee that.