Lincoln Heritage Life Insurance Company Refused to honor my mothers policy due to a 2 payment lapse of $65 when mom was incapable of making changes and died 2 quickly 2 do so and made it my fault less than 48 hrs after her passing and refused to return her premiums Phoenix Arizona

!!URGENT!! Please read before ever even considering this company for yourself and/or your loved ones!! It has been less than 48hrs since my 64 year old mother passed away after losing a very rapid battle with cancer. It was very fast, within 4 months of discovering the cancer it spread to a point were mom was not able to competently make decisions, and with that the ability to call and change things on such things as accounts.. like life insurance premiums that are automatically taken out of a bank account. The trips, the hospital runs, the quick down hill slide that took my mother stopped any hopes of a POA in order to save her accounts because there was simply no time. My mother paid $32 and change for a mere $3,000 policy as extra for her grandchildren for when the time came to ensure there would be something left for them after costs.

The nursing home started intercepting her check from the bank, which left those autodraws to overdraw, and in turn miss a whole 2 payments totaling roughly about $65 dollars. It was told to us at the time that if anything happened she would at the very least receive the money she had paid in instead of the $3,000 face value of the policy, nothing was ever stated that a mere $65 or even one missed payment could stop everything. My mother and myself were both put in positions where we could not touch or change anything on the account without it being any fault of hers nor my own. I was met with simply "you could have called and paid the bill." However, there is a complete list of validated reasons that I could not possibly pay the bill with the first and foremost being that the company WOULD NOT talk to me until today because.. simply put I am not on the policy. They say that they will take payment from anyone... however, I was able to pay.. willing to pay... never notified as beneficiary or kin or even as a healthcare POA that any funds were even over due until notified by the funeral home that Lincoln Heritage refused to uphold their end because of the $65 lapse and the fact they were only notifying my, at the time, non competent mother. My mother never missed a payment for, at the very least, a year of her life she may have had the policy until she was ravaged by this cancer.

With all this being said, I was literally shut down by Lincoln Heritage, and I feel that they robbed my mom since the day they showed up on our doorstep. My mother also had another policy through a different company, that she had bought roughly around the same time period but it was a little larger of a policy. The same thing happened with that company, and after explaining the situation they told me, no worries... even if her policy had truly lapsed we would have found someway to help you in any way we could find possible. She said, that is what life insurance is for... to help those we leave behind, and to make the processes easier on those we leave behind so they can focus on grieving rather than trying to figure out how to respect our loved ones wishes with no means to do so. That is what a real life insurance company SHOULD be like, and it is because of them and them alone I will be able to give my mother the peace she wanted after her passing, but thanks to Lincoln Heritage my mother will not be able to leave anything for her grand daughters like she had hoped to after discovering the cancer had returned.

Also, I would like to mention the fact that Lincoln Heritage said that they had sent notices to my mother, which never actually came, however today as all of this unfolded I did receive a policy holders update, warning my mother that she may not have enough coverage through them and should buy more... not once did I ever receive a bill, an insufficient funds notice, nothing until today and it was simply to get more money. They actually quite a few times made reference in some form to the fact that if I had just paid the bill... well thanks for the blame on top of everything Lincoln... losing my mother was not enough I suppose... I wish I could leave no stars.. but I am speaking out 2 hopefully save others.