If the Insured passed away due to an accidental death, please forward a copy of his certified death certificate (reflecting cause and manner of death) to my direct attention by email at *********************************** or by fax at **************. In response, we mailed the attached letter dated February 22, 2022.Īs stated in our previous letters, if the Insured passed away due to natural causes, this claim will not be eligible for benefits, and there will not be a refund of premiums, as all premiums paid were earned by Globe Life. On January 31, 2022, we received a copy of the Insured's certified death certificate, which does not list the cause and manner of death. ** response, we mailed the attached letter dated June 19, 2021. On June 4, 2021, you notified Globe Life that your father ("the Insured") passed away May 23, 2021, due to natural causes. A copy of the policy contract will be mailed to you for review. Please accept my condolences for your loss.Īs referenced, your father's policy is an Accidental Death And Dismemberment Policy that provides coverage for an accidental death or accidental dismemberment, as defined by the policy.
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My issue is when my father passed away he had a mortgage ***************** Policy with a rider as well,I filed a claim in 2021 in may they never gave me a full explanation or as to why premiums werent refunded as policy was in place since **** and face value of 141,00 I also noticed that when I took a pic of online info of the acct in may 2021 it said rider and after I reported his death it changed to base policy,I also found papers of my modified whole life policy and they wont discuss any of these with me even after I sent the certificate of death and notary paperwork no one at this location will explain to me other then he did not pass away from an accident so policy is void? I dont understand this or anything and this company is so rude and unhelpful I just would like to understand why I, as his sole beneficiary his daughter who he told to use this to pay for his last 60,00 owed on the house and for the kids he was under the impression that this was to take care of it and have left over since paying 20 years and then some, no one will help and I feel this is wrong on so many levels I want to not be told a good faith ? Premium or something like that is what happened, and I want to see original contract between my father and globe and have them to pay what is right Globe Life maintains its position regarding denial of the claim under the Accident Benefit Rider. A copy of this letter is enclosed for your reference. The Exclusions provision on of the rider clearly states: This rider does not cover loss that results from an Accident which results in the death of the insured within 90 days of such Accident. The rider does not pay any benefits due to an accidental death unless such death occurs 90 days after the accident. The injuries and corresponding benefits can be found on of the rider. This rider pays specific benefits if the insured suffers an accidental bodily injury. ***************************** filed her complaint because Globe Life did not pay any benefits under the Accident Benefit Rider. The amount paid represents the $25,000.00 base policy and the two $5,000.00 riders. A copy of the policy is enclosed for your reference.
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