Insurance Companies
Globe Life and Accident Insurance CompanyHeadquarters
Complaints
This profile includes complaints for Globe Life and Accident Insurance Company's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 192 total complaints in the last 3 years.
- 57 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. 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.
Initial Complaint
Date:05/04/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I called to make my monthly payment of $24.00, and they're saying my account is 2 months past due, how can that be when I make my payments on time every month? I had 2 policies, but canceled one they won't cancle out the old policy #****w9828 was canceled over 3 months ago. policy #****k7186 should be active and payed up. They're sitting back there playing dumb and won't cancle out that old policy, confusing the system now I can't make payments by phone or online. Now they're saying I need to make a payment for 2 months because their system thinks I'm behind in payments, when I have bank statements saying I paid all the way from January. They need to get their system straight, and stop playing games. I've called 3 time to cancle out that old policy but they refuse to do so.
Business Response
Date: 05/15/2023
May 15, 2023
*********************
**********************************
******, ** 38801RE: BBB Complaint ID: ********
Dear *********************,
As referenced, you initially had two (2) life insurance policies. The policy ending in **** was cancelled pursuant to your request on January 24, 2023.
The policy ending in **** is currently paid to May 15, 2023, and the last premium payment received was a 2-month premium, in the amount of $47.02, that posted May 5, 2023. Our records indicate that the premium payments paid on January 8, 2023 ($23.51) and January 15, 2023 ($23.51) were declined by your bank.
If you have bank statements reflecting the January 8, 2023 and January 15, 2023 payments debited from your account, please forward said statements to my direct attention at ***********************************.
Sincerely,
***********************Initial Complaint
Date:04/17/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
They are deducting money from my bank account causing me to be overdrafted then they said they are sending me a check. I have not received the check and I do not have an account with them. Now they say that I have to write a statement in order to get the money returned to me. I don&#**;t have a policy with these people.Business Response
Date: 05/01/2023
May 1, 2023
***************************
***************************. A
**********, ** 62024
**************************RE: BBB Complaint ID: ********
Dear ***************************,
Policy #****D5047, insuring the life of ******************************, was issued March 1, 2023, based on an electronic application for insurance you submitted to Globe Life on February 1, 2023. A $28.84 premium payment was drafted April 2, 2023, per your authorization, then a cancellation request was received by our ************************** on April 17, 2023 . Premium refund check #****** was issued and mailed to your home address on April 18, 2023. If you have not yet received refund check #******, please contact me directly at ***********************************.
Sincerely,
***********************Initial Complaint
Date:04/14/2023
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
My father passed away in October 2022. He left me with a death benefit in the amount of $25,000 through Globe Life Insurance. I completed the claim documentation in November 2022 and received a $20,000 check. When I called to inquire about the $5,000 they told me that they have closed out the claim and there is nothing that I can do. I have contacted them several times and each time I get the same response. I have asked them to send me a copy of the cancelled checks for the entire $25,000 and they said they cannot do that. One representative told me that the $5,000 went to the State of California but when I checked with them they have no record of it. I need the funds and feel like I am being given the runaround. Therefore, I would like to file a complaint against them.Business Response
Date: 04/21/2023
April 21, 2023
****** *****
*** ** ****** ******
*** ****** ** *****
BBB Complaint ID: ********
Dear ****** *****,
Claim determination for the referenced policy was finalized December 13, 2022, and your one-half share of benefits was paid in full. I have emailed you directly at ********************* with a detailed breakdown of benefits paid.
If you have additional questions regarding this matter, feel free to contact me directly at ******************.
Sincerely,
Jason ******
Customer Answer
Date: 04/24/2023
I have reviewed the business’ response and accept this
resolution.Initial Complaint
Date:04/12/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I inquired about purchasing life insurance for myself and my father and their rates/terms. I did not follow through with purchasing life insurance. I have since been receiving mail from this company ad nauseum. Today, I received a letter stating that my policy (that does not exist) has lapsed and I owe them money. I have never, nor would I ever, sign up for insurance with this company. I do not owe them a dime. In fact, I never consented or followed the steps to open a policy with this company. I have talked to an agent at least once asking them to stop calling me and to leave me alone. They continue to send mail. This letter that I received today has a policy number on it. When I called, the automated phone call says that I have "multiple policies" attached to my phone number. How is that possible when I never signed up for anything with Globelife? Did an employee frequently sign me up for multiple policies without my knowledge or consent? I can't think of any other way on why I am getting billing notices and told I have multiple policies unless someone opened them in my name at Globelife. This needs rectified, IMMEDIATELY. This company and their tactics to sign people up is absolutely egregious if they are going to the lengths of signing people up without their knowledge/consent. GLobelife needs to remove me from ANY AND ALL marketing emails/mail/campaigns. Remove any policies in my name (just a reminder that I DID NOT SIGN UP FOR ANYTHING!), and after this is all rectified, do not ever contact me again. FIX IT, GLOBE LIFE. Attached: Photo of the letter I received today showing that I have a policy number for a policy I did not consent to obtain AND that I owe them money for a policy I did not consent to obtain.Business Response
Date: 04/18/2023
*************:
Thank you for your correspondence with Globe Life, submitted through the Better Business Bureau.Your correspondence has been forwarded to me for review and response.
The Company received two online applications related to yourself, **************. Both were completed November 28, 2022,one on yourself, *********************, and the second on *******************. Please find attached the online application information.
The policy application on ************** was withdrawn at your request. Policy 0053R3074 on yourself, *********************, was issued based on the information provided in your online application. Pursuant to your request the policy has been cancelled.
Please be advised that your name and address have been placed on our Do Not Mail list. Please allow **** weeks as other mailings may have already been processed. If you inquire about insurance from us in the future, you will receive mailings again. Your provided email address has also been placed on our Do Not Email list. We regret any inconvenience these mailings may have caused.
Please contact me directly, in writing, if I can be of any further assistance in this matter.
Respectfully,
*********************************Assistant General Counsel
d: ************
f. ************
**************************************Initial Complaint
Date:04/04/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
My later father had a life insurance policy and paid nearly $4,000 in premiums towards the life insurance policy over a total of forty-five months before his death. I filed a claim with his insurance and submitted all of the required documents, and received a denial letter. ***** law requires that all denied claims refund any paid premiums on the account. The ********************************************* asked me to submit the required documentation for the claim and refused to give any updates regarding the status of the claim. When I contacted the agency, the claim was still shown as pending, and I later received a letter stating that it was denied despite them asking me to send the required official certificate of death, obituary, and a letter of consideration. The policy account for the policy also states that the claim is still pending. In the denial letter, the company did not acknowledge that they are required by state law to return the premiums paid on the account.Business Response
Date: 04/13/2023
Attached is a copy of Globe Life's response to a complaint ********************* also filed with the ***** Department of Insurance, which I believe is self-explanatory.
Please contact me via email should you have any questions.
***********************, Paralegal
Globe Life And Accident Insurance Company
************************************
Initial Complaint
Date:03/30/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
My complaint is against Globe Life Insurance. I applied for life insurance on 6/19/2022 and my application was approved on 6/22/2022. My first payment was processed on 7-21-22 for $41.84. My policy number is 0049T4565. I cancelled my policy on 10/6/22, and the policy cancellation became effective less than 3 days after I contacted Globe Life Ins. to cancel my policy. I also contacted the company several days later to verify the cancellation of my policy. I contacted Globe Life Ins. again on 1/11/23 or near that date, in which I was assisted by a customer service personnel to write a letter requesting a refund of the money that was paid in advance for 4 payments after the 8-21-22 payment was made. I was also informed by the customer service agent that it is on record that I contacted Globe Life Ins. on 10/6/22 to cancel my policy, but it took a couple or several days for the cancellation to become effective. I should have been refunded for the payments that were made in advance for the upcoming months (not for 4 months, but a partial amount of the 2 - $83.68 payments that I made), but I never received a refund before my request in writing, nor after it was sent by email to ********************************* I have attached three documents which are as follows:1). The email sent to *********************************). The required letter in writing, in which a photo needs to be taken of the written letter and sent to the email stated in #1.3). A screen shot of my premium historyThe resolution that I would desire is obviously that I would like the premium that I have paid in advance refunded to me because I was told that I could request the money that was paid in advance for my policy to be refunded to me, since I had cancelled my policy.Business Response
Date: 04/12/2023
*************:
Thank you for your correspondence with Globe Life, submitted through the Better Business Bureau.Your correspondence has been forwarded to me for review and response.
Policy 0049T4565 was issued June 21, 2022. Two premium payments were made in September of 2022. The first payment was received September 9, 2022, in the amount to $83.68, paying two months of premiums and advancing the policy paid to date to November 21, 2022.The second payment was received September 13, 2022, in the amount of $83.68,paying two months of premiums, and advancing the paid to date on the policy to January 21, 2023.
On or about October 6, 2022,yourself, the Insured/Owner of the policy, called to cancel the policy. The policy was cancelled, at your request, on October 6, 2022.
A premium refund was processed,pursuant to your request, on April 10, 2023, in the amount of $125.52 and mailed via ***** We regret any inconvenience this process may have caused. Please contact me directly, in writing, if I can be of any further assistance in this matter.
Respectfully,
*********************************Assistant General Counsel
d: ************
f. ************
**************************************Initial Complaint
Date:03/29/2023
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
My sister passed away 2-11-23 I have submitted everything they need and also her creamation and burial costs and its now **** -23 I have made several attempts to settle this claim my sisters remains are sitting in my bay window waiting to be laid to rest all I keep hearing is its on the legal teams desk and there has been no activity since 2-3-23 please help me lay my sister to restBusiness Response
Date: 04/04/2023
**********************,
Please find attached a PDF letter in response to your correspondences, submitted via the Better Business Bureau. Please accept my sincerest condolences for your loss. We regret any inconvenience this process may have caused.
Please contact me directly if I can be of further assistance regarding this matter.
Respectfully,
********************************
Customer Answer
Date: 04/04/2023
I have reviewed the business response and accept this resolution.Initial Complaint
Date:03/14/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
This company gives out inaccurate information. I've called several times to speak with different representatives and the information constantly changes. They seem to try to come up with excuses not to pay claims. ******* death was ruled an accident by coroner due to vehicle accident. Coroner provided them with all information needed. Now they are asking for medical records from spouse's Psychiatrist. The Psychiatrist stated he was never contacted by Globe Life. I am just trying to get this issue resolved. Somebody is not doing their job and it seems like they really don't care.Business Response
Date: 03/27/2023
****************,
Please find attached a PDF letter in response to both complaints submitted to the Better Business Bureau as well as the attachments referenced in the response and a copy of the policy terms.
Thank you,
*******************************
Initial Complaint
Date:03/07/2023
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I started this process of surrender my policies of my children life insurance in November, Globe life asked me to put it in writing signed with a picture I.D. in an email, I did this they said a check was coming. Nothing came I contacted them in January they said sorry check went to wrong address (although I wrote correct address on my signed request, it went to an address that rhymed with my address) in January they said they expedited another check on the 20th of January, i email them back they returned email saying put my request in writing as if none of it ever happened.I just want the money i payed in the money they promised, i would like it debited to my account and them held accountable so they can't keep playing games with me.Business Response
Date: 03/22/2023
Contact Name and Title: ***********************, Paralegal
Contact Email: ************************************
************ also filed a complaint with the ******** Department of Insurance, which is due on 03/24/23. Globe Life respectfully requests and extension to 03/24/23 so that the Company can respond to both complaints at the same time.Business Response
Date: 03/31/2023
Attached is a copy of Globe Life's response to the complaint ************ also filed with the ******** Department of Insurance, which I believe is self-explanatory. I apologize for the delay in importing this response.Customer Answer
Date: 04/06/2023
I am rejecting this response because:
I only received payment for one policy need other three could you expedite to my p.o. box **** ******* ******** 48605
On Tue, Apr 4, 2023, 12:47 PM ********************* <*******************> wrote:
Thank you for your explanation and time and i did receive a check for on of the policies i surrendered four policies so i need payment for the other three the original check that was lost the lady i talked to explained all policies were included so i have no idea how it was mixed up when i received the check. Could you please send ( expedite the rest so we can be finished) to my P.O. Box that i have now? P.O. Box **** ******* ** 48605, Thank you, God Bless
Business Response
Date: 04/06/2023
The checks were received in our **************** this morning and are being sent to ************ at PO Box ****, *******, **, ***** today. Copies of the checks and Globe Life's email to ************ are attached.Business Response
Date: 04/11/2023
As stated in the response dated 04/06/23, the three checks that were initially returned by the US *********** were sent to ************ via regular mail on 04/06/23. I have asked ************ to let me know if he does not receive the checks by 04/20/23.Customer Answer
Date: 04/17/2023
I have reviewed the business response and accept this resolution.
Checks cleared in my financial institution ************************** at Globe life was very helpful I am made whole.Initial Complaint
Date:01/29/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am the beneficiary of **************************************** policy through Globe Life Accident and Insurance Co. ********************* through an attic and became paralyzed. Shortly thereafter he should come to his injuries and past. ***** made me the beneficiary of the policy because I was his caregiver and I took care of him and one of my homes. I submitted a claim for payment and since day one Globe Life Insurance has been giving me the runaround. Globe Life specifically told me that no one including *****'s family members has to be involved in the process of the claim. I am not a family member and since I have submitted the claim Globe Life has requested that I get medical records for ***** which there are HIPAA laws regarding that. Since I'm not a family member and the family members or not cooperating Globe Life is not paying me my money. I think that they are using this medical records hippo against me for non-payment. As far as I'm concerned, Globe Life has due diligence on their behalf to get medical records for *****. I should not have any responsibility to get records for them to find something in the medical records to not pay me. Why should I have to get evidence for them to not pay me when I have paid them on time for the duration prior to *****'s death. As far as I'm concerned Globe Life is a company that likes to collect but does not like to pay what they owe. They are telling me that I must get a lawyer and have documents signed and other things before they can make a decision on paying me. My complaint is that they should pay me my money for the policy which is over ******* and that includes ***** being paralyzed, ***** accidental money which is $150,000, and for the $5,000 basic policy. I am hoping that someone can make them pay me and or they should not be in business if they don't or do not want to pay what they owe. Additionally Globe Life kept writing and filled out the form prior to ***** sending it in to be covered multiple times. Now they don't want to pay.Customer Answer
Date: 01/31/2023
***Document Attached***
This is a rough draft of the demand letter from my attorney. He has fixed the typo on paragraph 3 line 3 and has sent it. On 1/31/2023, Globe Life Insurance called me regarding the matter I guess due to the Better Business Bureau. I told them to get with my lawyer which they should have received a demand letter 10 days ago. The lady said that she would have to check with legal regarding the demand letter. This is just for information and I wanted to add the demand letter to my case with the Better Business bureau. Thank you.
See Attachment/File: ********************************Business Response
Date: 02/14/2023
Contact Name and Title: ******************************
Contact Phone: ************
Contact Email: *************************************
Dear ************************,
Thank you for your BBB complaint. Our **************** received your attorney's letter on January 30, 2023.
Because you are represented by an attorney, I cannot communicate with you directly. I will respond to your attorney.
Thank you for your understanding.
Respectfully,
******************************Customer Answer
Date: 02/15/2023
(The consumer indicated he/she DID NOT accept the response from the business.)
NO AND YES. NO, I HAVEN'T BEEN PAID YET, HOWEVER, I am excepting the response that Globe Life is now talking with my lawyer. I really have no choice at this time. IT HAS BEEN A YEAR. WHY SHOULD I HAVE HAD TO HIRE A LAWYER IN THE FIRST PLACE WHEN IT IS Globe Life's DUE DILIGENCE TO ACQUIRE INFORMATION OR GET SUPPORT OR GET DOCUMENTS OR MEDICAL RECORDS TO SUPPORT WHY THEY WANT TO DENY MY CLAIM? Again, Globe Life has been giving me the runaround as they are still doing. Just pay the claim Globe Life as you are ethically required to do. I bet you they're going to take every measure of the 60 day threshold to answer my lawyers letter. I've read the complaints and reviews against Globe Life. NOT GOODBusiness Response
Date: 02/24/2023
Dear ************************,
I regret you are dissatisfied with my response. Please understand that as an attorney, I am bound to follow the rules of professional responsibility which prohibit me from communicating directly with a represented party.
Please contact your attorney with any questions or concerns you have in this matter. Please provide him with my direct contact information. Email is preferred.
Respectfully,
******************************Customer Answer
Date: 02/27/2023
(The consumer indicated he/she DID NOT accept the response from the business.)
The attorney states and I quote, "I am bound to follow the rules of professional responsibility which prohibit me from communicating directly with a represented party."end quote. Per the uploaded attachment (which I had just received the same document on 25 Jan 2023, three days prior to contacting the BBB) and or letter sent from Globe Life, what he is saying is again a lie because the company is still requesting information from me. I really feel that they are running an unethical business. Globe Life Insurance should not be in business and is still giving me the runaround. The letter that is being uploaded is a tactic that they use to get people to get disgusted about pursuing what's due to them as far as payment. When I'm stuck in a corner, can't afford a lawyer and can't provide documentation or medical records needed to help them deny my claim, that unethical and further what that means is I'm just stuck. In my opinion Better Business Bureau this company unless they pay me my money does not deserve at all an 'A' Plus rating and very much deserves much less than what's listed.
See Attachment/File: ********************************Customer Answer
Date: 08/21/2023
I just spoke to a lady in claims three days ago stating to call them in five days because they do have everything including to lawyers release letter. Attached is the lawyers release letter and a email sent to Globe of the letter. I am attaching a letter from the lawyer that I hired stating that he no longer works for me anymore. I sent this letter via email to Globe Like on August 6, 2023 and the lawyer also mailed it to them. Further, I have given Globe Live what they have requested which is the medical records to the deceased. **** pages from *********************** and ************ Nursing Home. Due to HIPPA Law, I will now be providing proof that I gave records to Globe Life Insurance but I'm letting you know that I did.
EMAIL : Copy & Pasted
8-4-23 Letter - Globe Life.pdf
Yahoo/Sent
**************************;<****************************>
To:GMBX Claims
Sun, Aug 6 at 9:37 AM
Forwarded from my lawyers office regarding policy 0044E5587 Case 1255356
Per your request, I have sent you ********************************* medical records and all other pertenant information. The the attachment is a letter from my lawyers office stating that he does not work for me anymore and that you can talk to me about my case regarding this matter. I see no other reason why you should not pay me what is due on this policy. I am requesting a phone call or payment for this policy. My number is ************ or ************
Sent from Yahoo Mail on Android
8-4-23 Letter - Globe Life.pdf
39.4kBCustomer Answer
Date: 08/21/2023
I have sent information on this platform and also have emailed you or forwarded the original email sent to Globe Life regarding this subject.Business Response
Date: 09/05/2023
Dear ************************,
As you know, I responded to your complaint directly via email on August 25th, 2023. Copy attached. In addition, our Company has previously responded to your complaints via attorney correspondence, the Department of Insurance, and the BBB.
Please review the attached document in response to your complaint. Thank you for your time and consideration in this matter.
Respectfully,
******************************
Customer Answer
Date: 09/07/2023
Thank you for responding. I am currently responding to an email sent directly to me from Globe Life Insurance which I will CC the BBB in an email. I am currently awaiting a certified letter from a witness attesting to a conversation between me and the deceased ************************************** giving me permission to sign and put a policy on him. ***** had already initiated a policy making me the beneficiary which Globe Life had denied but then mailed a prefilled out form to be signed and made active for a dollar for the first month. I filled it out and signed. The witness will certify that **********; gave me permission to sigh on his behalf being that I was his caregiver and closest friend. Again, I am waiting on the letter through the mail which should be coming soon.Customer Answer
Date: 09/21/2023
From **************************** email. I will be emailng the BBB from my email to your official site with supportive documentation too big for email
CASE #********
To address the pre-filled out Globe Life Form, I have reached out and found a witness and prior tenant named ************************* that heard, agreed and will certify by letter that ***** gave me the authority to put insurance on him and that **************************; that it was okay and wanted me to put insurance on him. Secondly, ***** agreed to get insurance on himself listing me as the beneficiary and between he and I, I would pay for it. The agreement was that he wanted to leave something to his kids. The amount to leave to his kids was never discussed. ***** trusted that I would be fair because he trusted me with everything else in his life as evident of all the paperwork that he gave me to hold and take care of in case of an emergency or to take care of his personal business. Globe Life initially denied *****'s initial application. Globe Life then mailed a PRE-FILLED OUT form requesting and accepting that ***** was APPROVED for insurance. ***** and I was already under the understanding that I could sign for him since THE FIRST ONE HAD ALREADY BEEN SIGNED and listed me as the beneficiary. This is why I put all of my information on the pre-filled out form/documents sent by Globe Life Insurance .(THIS SHOULD ANSWER ONE OF YOUR QUESTIONS) of Why I filled out the form. I would like to add that Globe Life accepted the policy as filled out and signed and accepted my money for some time and profited. There was no question as long as Globe Life were deducting money out of my account as I were the beneficiary NO SARCASM, JUST FACT. When Globe Life accepted and took money out of my account, that's when the contract was officially bind. Globe Life could have denied the coverage again if Globe Life would have looked at it the way Globe Life were supposed to look at it. Globe Life was supposed to look at it diligently as Globe Life is diligently putting me through red tape/legal matters. As big as Globe Life is, something should be in place that if someone is denied, nothing else should be sent out to be signed and to be approved, money be accepted and to further officially bind a policy. Globe Life has an A+ rating with the Better Business Bureau. As EVIDENT OF THE ATTACHMENTS UPLOADED BELOW, why would Globe Life put me through more than over a year of getting *****'s medical records when Globe Life already had his medical records or had access to his records. I KNOW THIS BECAUSE ONE OF YOUR REPRESENTATIVES TOLD ME SO.. ***** has not been in the hospital for no reason since I've known him so he does not have any medical records to look at. I hope that answers your question. ***** was healthy, vibrant and loved to sing and dance. I've known him since 2013. Him and my mother and friends used to play cards together. He also used to wash my cars. That's what he did for a living. As for me being his care taker, he gave me that title and gave me all of his records, such as social security card, social security paperwork, money card etc. The reason he did this was because all ***** wanted was to get up, go to the car wash, come home and relax. ***** lived in my home. ***** had his own room with furniture TV, bed, dresser, nightstand , lamp, Wi-Fi. He had access to a full kitchen. A nice yard. The neighborhood was decent which he really enjoyed. ***** was a fun loving guy. Prior to ***** living in one of my homes, he lived in my actual home where I live which is ***********************************************************************. This is where he said that "I want you to be over me and help me take care of all of his business". Once I helped him get his things together he gave me his card so he can pay his rent. I had *****'s card in my possession so on the 1st of every month, I could go to the bank swipe his card, get the money off of his card to pay his rent, give him his card back, he can get the balance off of it, he gave me the card back, and then he's good for the rest of the month. When ***** needed to go to the hospital or get covid test done or anything like that he counted on me to take him. *****'s family did not help him in no way. His family knew me, respected me and thank me for taking care of him like I did. I was invited and went to his funeral. ***** loved me until the day he died. I went into the hospital and saw ***** prior to him passing. He was paralyzed and could not talk. I had to try to understand him through sign language. He and I had a conversation and I have pictures of that and memories of that last conversation. I hated to see ***** like he was. That was not my *****. When one of my rooms came available in one of my other homes, ***** moved out of my house and I rented him a room at *******************************************************. 38128 and that's where he stayed for over 3 years until his accident
For Information purposes:
Dismemberment: How Does it Work?
When you purchase an AD&D policy, the policy will have a face amount. During the term of the policy, policies will pay out 100 percent of that amount for accidental death. AD&D policies also pay out a percentage for covered life-altering injuries such as loss of limb (dismemberment) and paralysis, as well as loss of hearing, sight, speech, or use of specific body parts. Not all injuries, even serious ones, will be covered. Again, it is critical to carefully read your policy to understand what is covered and what isnt.
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How Does Accidental Death Insurance Work? | Globe Life
Insurance helps protect against losses resulting from car accidents, health issues and other unfortunate events ...
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Sent from Yahoo Mail on Android
On Fri, Aug 25, 2023 at 11:49 AM, ******************************
<*************************************> wrote:
Dear ************************,
Thank you for your message. Your correspondence has been forwarded to me for a response.
Our records show that an application was requested from Globe Life And Accident Insurance Company. Pursuant to that request, the Company sent an application which had ************************** name and address pre-filled. All the other fields, such as email address, date of birth, beneficiary, health answers, date and signature, were hand-written by the applicant. We respond to inquiries for coverage, but the application process was completed entirely via postal mail. The signature on the application matches your signature on the claim forms.
We have received and reviewed the medical records from Regional One. However, those records do not address ************************** health during the three years prior to the application date, 2021, 2020, and 2019. Please respond with information about where ************************ was treated prior to his January 2022 fall. Why were you appointed ************************** caretaker on January 15, 2021? What physical or mental difficulties was he having in 2021 that required him to seek your assistance with removing funds from his Social Security Direct Express Debit card?
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Sent from Yahoo Mail on Android
On Fri, Aug 25, 2023 at 11:49 AM, ******************************
<*************************************> wrote:
Dear ************************,
Thank you for your message. Your correspondence has been forwarded to me for a response.
Our records show that an application was requested from Globe Life And Accident Insurance Company. Pursuant to that request, the Company sent an application which had ************************** name and address pre-filled. All the other fields, such as email address, date of birth, beneficiary, health answers, date and signature, were hand-written by the applicant. We respond to inquiries for coverage, but the application process was completed entirely via postal mail. The signature on the application matches your signature on the claim forms.
We have received and reviewed the medical records from Regional One. However, those records do not address ************************** health during the three years prior to the application date, 2021, 2020, and 2019. Please respond with information about where ************************ was treated prior to his January 2022 fall. Why were you appointed ************************** caretaker on January 15, 2021? What physical or mental difficulties was he having in 2021 that required him to seek your assistance with removing funds from his Social Security Direct Express Debit card?
Thank you for your time and consideration in this matter.
Respectfully,
******************************
******************************
Sr. Director & Associate General Counsel, Legal | Globe Life Inc.
o: ************** | f: **************
GlobeLifeInsurance.com
***********************************
Thank you for your time and consideration in this matter.
Respectfully,
******************************
******************************
Sr. Director & Associate General Counsel, Legal | Globe Life Inc.
o: ************** | f: **************
GlobeLifeInsurance.com
***********************************Customer Answer
Date: 09/25/2023
I have responded to your email. I responded to your email on 9/23/2023 awaiting a notorized letter from the ************************* who witnessed ******************************* state that I could get insurance on him and let me further state again that he had already tried getting insurance through Globe Life listing me as the beneficiary and was denied but Globe Life sent a pre-filled out form to be submitted afterwards. ******** apparently was running slow. This was the delay of responding back to your email. For BBB information, I did CC you in the email to get all correspondence pertaining to the literature typed such as over twenty-one documents from Globe Life asking me to get medical records when they already had *****'s medical records and some of his personal information left in my care that he gave me to take care of. Additionally, the certified letter from ************************* stating what ***** wanted and agreed to.Customer Answer
Date: 09/26/2023
I knew this is what exactly was going to happen. I've been with the BBB. Retired at 50 years of age. This company has so much money that even the ** BBB has given up on the consumer. This company absolutely does not rate an A+ rating and I truly believe that you know their unlawful, slick, round away practices to not pay what they owe someone who has paid their premiums should not be disclosed to the public. I have given you all types of evidence pertaining to this case. I'm trying to see what do you not see when it comes down to Globe Life on unlawful slick practices not to pay the consumer after they have paid their premiums. I guarantee you that I'm not the only person that has been going through this same thing and situation. This company said after I put all dots and other types of punctuations on the email said that they will get back to me in 10 days. When Globe Life finds out that they have gotten beyond the BBB, most likely, I may have maybe another avenue or two to help me out. WOW. I think I'm going to the news with this one
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