Midland National Life Midland National Life Tried To Cancel My Policy TWICE To Avoid Paying The Death A Claim Sioux Falls South Dakota

Midland National Life Insurance Company (MNL) twice tried to cancel the life insurance policy on me after they found out I was in bad health.  We have been paying the premiums on this policy for over twenty five years and the death benefit will go to my children and grandchildren.

I am a former Midland National Life agent and I left the company after I caught them committing fraud on their policy holders.  

The first time Midland National Life tried to cancel the policy was in 2012.  Because of a lawsuit I filed against them in 2010 (Castaneira v. Midland CIV. 10 – 4039) Midland National had ongoing surveillance of my home and, aware that I was in the process of moving, simply didn’t send the billing notice to the address on record where someone was waiting to pay it.  Based on what I’ve read in other complaints posted on the Internet Midland National has a history with me of being “confused” about where to mail items when it benefits them.  

Midland National also did not send me the “Grace Period Notice” required by law which is designed to warn a policy holder that their policy might lapse for non-payment.  What they DID send was an Important Lapse Notice dated August 22, 2012 for the policy.

I addressed this issue with Midland National directly and they denied their actions.  I then filed a complaint with the Maryland Insurance Administration and Midland National immediately reinstated the policy.

The second time Midland National tried to inappropriately cancel the policy was in September, 2013.  We sent a payment weeks before it was due; however, Midland National did not cash the check and waited over three weeks before they sent the check back with the explanation that they didn’t know which policy it was for.  We didn’t believe this because we had placed the very same policy number, in the very same format, that we have been using for years on our previous payment checks on the payment check that Midland National refused.  

Midland National never explained why they didn’t just research their files to determine if anyone at the address that they mailed the check back to had a policy with them or was receiving billing statements.  Such a simple review would have shown just one insurance policy; that being the one on my life with the exact same seven digit policy number that Midland National had been accepting as identification for years.

Midland National’s story is even more unbelievable because we have documented proof that Midland National Life senior management monitors the policy on me very closely, so I have good reason to believe that this effort to cancel my policy was intentional.

When I filed a second complaint with the Maryland Insurance Administration Midland National AGAIN had to reinstate my policy because they couldn’t come up with an excuse for what they did they didn’t cause people to laugh.

Midland National has also refused my written instructions to transfer the ownership of the policy to a family member.  I can’t be sure of the reasons; however considering that they have tried to improperly cancel the policy, TWICE, I have my suspicions……………………

My problems with Midland National Life have not ended.  On December 19, 2014 in Castaneira v. Midland CIV. 10 – 4039 Midland National Life was confronted with overwhelming evidence of witness intimidation and coercive threats to cover up their criminal acts in violation of 18 U.S. Code § 1512.  Midland National’s response was to exercise their right to remain silent; in effect, their rights under the Fifth Amendment of the United States Constitution.  

Midland was given the opportunity to clarify their position, but chose to maintain their silence.  The matter is still ongoing.

To learn more about Midland National Life Google "Midland National Life" threat, "Midland National Life" women, or "Midland National Life" reputation.

Midland National Life Insurance Company
One Sammons Plaza
Sioux Falls, SD   57193