- Report: #414597
Complaint Review: United American Insurance & Liberty National Life
| United American Insurance & Liberty National Life 106 Commerce St.
Lake Mary, Florida United States of America |
|
Liberty National Life Insurance Company REVIEW: Liberty National Life Insurance Company clients, feel safe, confident & secure when doing business with Liberty National Life Insurance Company. Commitment to Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program. Offering affordable life and supplemental health insurance through in-home and workplace sales. Providing local, one-on-one service to our customers is something we've done from the beginning.
*UPDATE: While automation is the way of the today's world, it won't replace individual attention to Liberty National policyholders business. Recognized by Ripoff Report as a Verified Safe Business
*UPDATE EX-employee responds: Verbal abuse from agent and manager
*UPDATE EX-employee responds: Be Careful Anastasia!
*REBUTTAL Individual responds: Thank you soooo much for the complaints
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Corporate Advocacy Program™
EDitors UPDATE: Positive rating and recognition has been given to Liberty National Life Insurance Company for its commitment to excellence in customer service.
Ripoff Reports discussions with Liberty National Life Insurance Company has uncovered an ongoing commitment by the company to total client satisfaction. This means that clients can expect that the company will work towards finding a mutually satisfactory resolution to any complaints or concerns. Liberty National Life Insurance Company listens carefully to client concerns and sees them as an opportunity to learn from past mistakes and become more efficient as a company in the services offered and the support for those services.
Liberty National Life Insurance Company has been in the insurance business since 1900. We offer affordable life and supplemental health insurance through in-home and workplace sales. Providing local, one-on-one service to our customers is something we've done from the beginning. While automation is the way of the today's world, it won't replace our individual attention to Liberty National policyholders. Insurance can make the difference in a family keeping their home, a child going to college, or having enough money to pay bills each month if a family breadwinner dies. Liberty National Life Insurance Company is passionate about helping hardworking Americans protect their families. We look forward to helping you protect yours.
Liberty National Life Insurance Company, headquartered in Birmingham, Alabama, has been meeting the insurance coverage needs of families for over 100 years, dating back to 1900. Liberty National is a wholly-owned subsidiary of the Torchmark Corporation. Torchmark is an S&P 500 company traded on the New York Stock Exchange under the symbol TMK.
Liberty National Life Insurance Company also offers an excellent career for motivated individuals looking to earn what they are worth. Earning potential is unlimited! With just seven to eight sales per week, agents have the potential to earn from $50,000 up to $75,000+ in the first year with valuable tools like laptop presentation at your fingertips. Liberty National believes in personal, dedicated service for insurance needs. We are committed to providing agents with full support, quality training and competitive compensation. Joining Liberty Nationals sales team could open the door to an outstanding income and a whole new lifestyle. Liberty National Life Insurance Company has immediate needs to fill several positions. We are looking for both entry level and senior level applicants.
In summary, Ripoff Report is convinced that Liberty National Life Insurance Company is committed to quality delivery of services resulting in total client satisfaction.
Read more about why consumers should feel confident when doing business with a member of Rip-off Report's Corporate Advocacy Business Remediation & Customer Satisfaction Program. Yes, its a long name for a program that does a lot for both consumers and businesses alike.
Read about Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program,.. A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business. this program works.
SPECIAL NOTE ABOUT THE ONE REPORT THAT WAS FILED ABOUT Liberty National Life Insurance:
Liberty National Life Insurance Company recognizes that complaints posted on Ripoff Report (whether true or not) are issues that need to be addressed, not ignored. One company executive agreed that, if handled correctly, complaints can be valuable learning opportunities. With the feedback generated by Ripoff Reports Review of Liberty National Life Insurance Company has made organizational changes allowing its clients, employees and agents a more streamlined approach to problem resolution and a commitment to a great client experience.
As a Part of the Corporate Advocacy Program the member business allows Ripoff Report to send an email to all of those who filed a complaint in the past, letting the customer know, the member business wanted to make things right with them, .. whatever it takes to do so. Ripoff Report always monitors these emails to insure the member business does what they agreed to. The people at Liberty National Life Insurance Company did just that.
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NOW TO THE ORIGINAL REPORT THAT WAS FILED
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United American Insurance & Liberty National Life They had two managers call me at work and try to bully me into keeping the policy Lake Mary Florida
I bought a policy through Liberty National Life Insurance company 1/20/09. I then researched the company when I got home and was appalled by the things that I read here and on the Florida Office of Insurance Regulation. I read that in the last 12 months there had been 38 complaints lodged against this company.
I decided to cancel my policy. I called my sales rep this morning and informed her that I did not want to do business with this company and why I didn't want to do business with them
She said she would have to talk to her manager and call me back. So I waited.
A couple hours later her and her manager call me and her unit manager starts to tell me that I was misinformed and that I had not properly researched the company and that I need to research it through the Dept. of Financial Regulations if I wanted an accurate picture of the stability of the company. I explained to her that alot of the complaints had been customer service issues and that finances had nothing to do with customer service.
I told her I didn't want to do business with a company that I had any doubts about and to cancel my policy. She started to agrue with me about how misinformed I was, at which point I told her I was not changing my mind and she told me no worries and hung up on me.
Which only confirms the customer service issues. I called my sales rep back and informed her that I needed something in writing pertaining to the cancellation and that my account would not be charged. She did fax me what I requested.
Later this afternoon I was called by the Regional Manager who started yelling at me about the fact that I got my info from this website and it wasn't posted by their customers but by their competors. I told him at that point that even if it was wrong that he and the other manager where trying to bully me into keeping a policy I do not want and that the company as a whole was leaving a bad taste in my mouth.
Everyone should beware of this company and I should have investigated before signing any paperwork. Which I of course told the sales people I wanted to do before buying the health insurance and they offered to bring up the torchmark web page for me.
Sheila
Lake Panasoffkee, Florida
U.S.A.
This report was posted on Ripoff Report on 01/21/2009 05:19 PM and is a permanent record located here: http://www.ripoffreport.com/r/United-American-Insurance-Liberty-National-Life/Lake-Mary-Florida-32746/Liberty-National-Life-Insurance-Company-REVIEW-Liberty-National-Life-Insurance-Company-cl-414597. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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Search Tips#1 UPDATE EX-employee responds
Verbal abuse from agent and manager
AUTHOR: anonymous - (USA)
SUBMITTED: Thursday, November 04, 2010
Where to start? First, I recently retired with LNL and also reside in Florida. Selling a couple of hundred policies a year, I have ran into people like you on more than one occasion. Considering that LNL sells over 100,000 policies a WEEK it wouldn't be out of line to have 38 complaints. I would consider that pretty darn good in any type of sales. Next, there is no such thing in Florida as the Dept. of Financial Regulation. The activities of insurance companies falls under Alex Sink's dept. which is the FLDFS (Florida Dept. of Financial Services). They also would have referred you to the Florida Insurance Commissioner as FLDFS only relates to licensing and regulation compliance. If you are to stretch the truth, at least make an attempt at being creditable. Some would be lead to believe that if you went to all the trouble to write this that it must be true. There are several thing brought out here that I know are not correct, having worked with liberty for over 20 years. first, the agent is not allowed to send a notice of cancellation for a couple of reasons 1) There is no such animal. 2) They are trained to refer you to the H/O customer service dept. 3) why would an agent want to spend time and money on a lost cause? 4) Had a death occurred after you verbally canceled a policy, there would be a "he said, she said" lawsuit. An insurance policy is a FORMAL contract that must have an exact beginning and an exact end. It just doesn't "hold water". You said you went home and looked up the company under the "Florida office of insurance regulation" again, there is no such entity in Florida. I would be willing to bet that either one of two thing happened here: 1) you bought more insurance than you could afford while you were at work and either you or the husband/wife insisted you call and cancel it or 2) you bought insurance when you were at a friend or relitives house and didn't intend to keep it to start with and were just showing off for the friends/relatives. Yep, having written thousands of polisies with LNL, i have ran into your type more than once.
#2 UPDATE EX-employee responds
Be Careful Anastasia!
AUTHOR: OHara - (United States of America)
SUBMITTED: Saturday, October 16, 2010
Anastasia: It's probably a wise move for you not to work for LN. It is a quite expensive company to work for and it sounds like you don't have a lot of money.
If somehow you do go to work for them, here is a laundry list of items you will have to buy: First, you'll need a capable car as you'll be putting a lot of miles on it. Next, you'll need a current lap-top computer as LN's software requires quite a bit of memory and a large hard drive. Figure on spending around $500.00. You'll also need a GPS unit costing around $100.00. You may or may not have to pay for your insurance agents license, I don't know what that costs in Florida. You'll have to buy your own business cards. LN does not supply these. Figure on $15.00 or more. The gas for your car will cost probably $15 - $20 per day for several months. You'll have to buy all of your office supply type things, figure on $30 - $50.00. If you don't already have a brief case, you'll need one. Figure on $100.00. As you can see, going to work for LN is going to cost you around $1,000.00 at the get-go. This does not cover everything but most things. You may have to upgrade your wardrobe for instance.
If you already have these things, good! but if you don't, don't go in debt. LN does not guarantee any income and you may not make very much. For instance, my last two checks were $12 and $14. That doesn't even come close to paying the utilities.
#3 REBUTTAL Individual responds
Thank you soooo much for the complaints
AUTHOR: Anastasia - (U.S.A.)
SUBMITTED: Saturday, March 07, 2009
I have an Interview with united american/ liberty national tomorrow after reading all the post on here im just not interested at all , even the employee response shocked me , how rude they are , i cant represent a company with so many complaints and i dont have much saving, cant afford to live in my car .....thank you all

