The Legionnaire Insurance Trust Program The LITLife Insurance Company of North America The LIT Rips-Off Veterans & Their Families Phoenix Arizona

I am assisting my grandmother with an Accidental Death/Travel/Life Insurance claim & a Hospital Indemnity claim for my grandfather, a veteran who is deceased. The Legionnaire Insurance Trust Program (The LIT)/Life Insurance Company of North America has had claims documents since 10/4/13 for these policies but benefits have yet to be distributed (1/15/14). At the beginning, The LIT requested a ridiculous amount of documents that other life insurance companies do not require; gathering these took a long time. Once those documents were submitted, The LITs representatives stated that all of those documents would suffice, then waited until December to tell us they would not. The LIT then requested documents that were already provided; claimed documents hadn't been sent that had; after said documents were resent, claimed that they did actually have them after all; mailed requests for documents to the Veterans Administration Hospital without indicating to which departments attention they need to go to (thereby ensuring the request was lost); refused to pick up a phone to make document requests; defer everything to Cigna saying that Cigna makes the benefit payments although the insurance policy is with The LIT & not Cigna. The LIT has also claimed that the medical records supplied by the VA were deemed insufficient by Cigna. The VA has claimed that these are the medical reports & this is all that is available. The representative handling our claim & Cigna "can't be reached via phone". The LIT did finally pay a Hospital Indemnity claim for my grandmother who was injured in the accident that resulted in my grandfather's death, but only after issuing it in his name & waiting over a month to reissue it in her name.The LIT is making every attempt to prolong the claims process with no intent to pay. We believe The LIT is intentionally defrauding veterans (the majority of their members) and their survivors, many of whom are elderly.