I see all these bad posts and complaints, but the complaints are regarding things that are allowed legally for all insurance companies. If you die within the first 2 years of any plan, the law allows the insurance companyALL insurance companies the right to pull medical records and make sure that the insured(the person the insurance was taken out for) did not misrepresent on their application. It is their LEGAL RIGHT. If you end up qualifying for a limited benefit plan because of your healthyou are advised of this at the time that you take out your applicationit is the LAWyou have to be advised as to how the policy will pay.maybe if people would take the time to educate themselves more, they wouldn't have to many complaints. No company is perfect, not a single one, but as far as this company being uncaring etc etc.so not true.
Senior Life is a Horrible Insurance Company.
Do not deal with them. They do not pay off on their policies. Do not deal with this Company unless you want to be ripped off. Sincerely
I would give them zero stars if it were allowed. Senior Life Insurance is a scam. Unethical, and uncaring. If you or a family member are considering them, don't. As you can see from several other reviews, this company is awful. I will be reporting them as well. My mother passed away in September, and when I called to file the claim, the lady was extremely unpleasant to speak with. Did not even say, "Sorry for your loss," just went straight into how my mother died within the two years so there will be an investigation. I was told that I need to contact every single doctor she has seen, and have them send in all of her medical records. This includes and urgent care visits and hospital visits. If they do not receive all information, they will not be able to process my claim. I did as I was told and sent in a signed release for them to obtain the records. A few weeks later, I receive a check in the mail for 1 premium and a letter explaining that they denied the claim because my mother had taken a prescription that disqualified her from receiving benefits. This company is quick to take your money, and will go to great lengths to make sure claims are denied. The check they sent was made out to my mother's estate, rather than the beneficiary, because the claim was denied. So now, I am unable to even deposit the check to help pay off funeral expenses, because I have to wait for the probate to be complete. It is disgusting how they are taking advantage of elderly people for profit. Avoid this company at all costs. Your beneficiary will probably never receive the policy benefits you think you are leaving for them.
Agent for this company very bad practice replacing business from previous company they had worked for. Contacted their regional director, he was uncaring and unethical. Some clients were furious when they learned they had to begin with a new 2 year contestable clause. Unethical practices and upper management uncaring. Lack of concern for clients. Had to threat contacting insurance commission to encourage unethical practices.
I have been with the company for two years and up till today I have been very happy. I was verbally told that I was not on auto-debit by one of their staff and then there was an auto debit for my premium, I then call to have them reverse the debit and they would not, ignoring the fact that their staff told me that I was not on auto-debit. DO NOT PURCHASE ANYTHING FROM A COMPANY THAT CALLS THEIR CUSTOMERS "LIARS" If I didn't have money invested in my policy, I would cancel it and find another. I am very very very unhappy with this company.
Excellent company. Since day one, did business with an incredible agent who explained everything patiently and saw to our parents needs and expenses. Years later, when we filed the claim, our agent was there and attended the service and brought his own wife and children. Could not ask for more from any agent. Has been like family (we were never related except through business) and always has been an ethical and friendly professional. We are in Utah if it matters. Thanks
I was briefly an agent for this company. At first, my experience was great. On the weeks I did well, several times I would receive an encouraging call not only from my manager but from the CEO of the company. I loved the idea of helping clients by getting them needed life insurance coverage. The longer I was with this company, I noticed that compared to other companies I've written for, this company's rates were noticeably higher, for a clientele that often could not qualify for life insurance elsewhere.
Also, as an agent, to participate in their lead program, it cost me about $450 - $550 / each week just to get 20 - 22 names of prospects.
This company typically advances 60% of the annual premium paid based upon whatever percentage you're at, and the other percentage is held back until about 10-12 months, to offset any possible charge-backs you may have. But keep in mind, you may have the same experience I had if you decide to leave, they may hold back pending commissions that are due you that week, in retaliation, if you decide to leave the company.
Worst company ever ! My Dad pasted away 9 months ago from a massive heart attack, with no previous history of heart issues. They keep sending my Mom letters stating they are still investigating. WHAT? All his medical records indicate no history of heart disease, and they have spend 9 months trying to find something. They take advantage of seniors ! I'm so glad my policies are with good, well known companies ! They don't deserve ANY stars, and will be reported to the Insurance Commission and BBB !
Very classy organization. Great customer service. They make everthing very understandable, and they processed my claim in a timely manner.
I sent in a letter requesting that my account be closed. Those bitches when into my account this month and took the money anyway. don't deal with this fraudulent company
What better company to have my whole life insurance with then Senior Life Insurance. It is rated A+ and it is a trustworthy company. They have live costumer service representaives M-F 8:00 to 5:00 pm. People working there are Awsome and direct you to the right person. You can trust them to do business with you forever. You are in great hands:)
They suck as a company, they take advantage of elderly people to buy insurance making them think they are covered in case of death. They never tell the elderly the whole truth about the policy. My Mom's death they didn't pay out a dime because she needed to have it for 2 years and only had it for 15 months, which she was NOT told by the insurance agent, pos. I'm going to appeal and possibly bring charges against these theives. I rate them as a 0 straight down to the bottom.
This company called and called and called me until I said OK I will give them a try. The Worst company ever. Asked for my premium payment not be debited on the usual date and to take off the card on file due to changing to an out of town credit union. Representative was very snipping and stated As long as I get her the information before the debit date they would not run the care. I told her to change the dam date and take the card off and allow me to pay on 12/22/16. Well obviously she did not for low and behold they run my card and I get dinged for $29.00 overdraft fee. Cancelled policy today.Rep asked if I was told I need to submit a letter in order to take my card off file.I relied No I was not told. Long story short .Stay away from this company!!! We seniors have enough to deal with.