American Bankers Life Assurance Comany Of Florida Denied Claim for Credit Life Insurance after spouse died of sudden heart attack Miami Florida

Spouse died of sudden, unexpected heart attack on Dec. 11, 2006. Filed claim with American Bankers Assurant to pay off spouse's truck. They were very slow in processing claim, in contacting doctors for medical information, in paying fees to hospital for medical records, losing reports they received, not having accurant information regarding receipt of medical records.

Called insurance company numerous times trying to speed up the process. They refused to let me speak with a supervisor. I had to call doctors' offices and hospital medical records offices to find out what had been sent and what was holding up the process. American Bankers Assurant had either not sent the fee for the records, lost the records, or had not requested the records.

In some cases, they needed a copy of the document verifying that I am the administrator for my husband's estate, although they had not asked for this document from me. I called many times over a period of six months, trying to straighten out the matter and make sure the records were received and processed.

I felt the whole time that American Bankers Assurant was trying to find ways not to pay the claim and to stall the resolution of the claim. On May 24, 2007, I was told on the phone by someone named Kenneth that the claim had been denied and that I would receive written notification. No such written notification was ever received by me.

I called again on July 3, 2007, after having had major surgery and having spent some time in the hospital. Spoke with Oscar who said a copy of the denial would be sent. A week or more later, I received a copy of the denial (dated May 21, 2007) in an envelope postmarked July 7, 2007.

That denial stated that medical information they had obtained showed that complete medical information had not been provided by my spouse on the orginal application and they were denying the claim based on that. I have a copy of the original application and the information provided on it is accurate and complete.

American Bankers Assurant said they were sending a copy of the medical information they had gotten to my spouse's estae, but, I am the administrator for the estate and no such explanation was ever received by the estate.

I believe that American Bankers Assurant acted in bad faith with regard to this claim, delaying the resolution, looking for a way not to pay the claim, and not providing information to me about the claim and the denial. I am in the process of seeking legal help,but I do want everyone to know that this appears to be a sleazy company that tries every trick in the book to avoid paying legitimate claims. I am a senior citizen who has been too ill to deal with this until now, and I feel I have been taken advantage of.

Joy
Gainesville, Georgia
U.S.A.