Assurity Life Insurance Company 12 years faithful payments, yet coverage rendered null & void after 1 missed payment due to processing error Lincoln Nebraska

After making regular payments to Assurity for term life insurance for over 12 years, mostly online, I decided to go with their invitation to have payments automatically taken out of my checking account.  They sent me paperwork to sign and return.  I mailed it back complete the very next day. 

The first month passed and I received a notice of late payment.  I called and was told the automatic payments had likely not been set up in time for this payment, so I did a payment online, no problem.  The next month, I got another notice of late payment.  I figured it must be a computer error.  I called several times.

And then the kicker: my policy was canceled (I was one month overdue).  I called and inquired about this affront.  They stated that they had never received my request & paperwork for automatic payments.  They denied ever getting my phone calls.  And lastly, they refused to make it right.  I would gladly have made up any late payments; it was never my intention for a payment to not be paid.  When I explained my dilemma, the error, misunderstanding or whatever you want to call it, they acted as though I was lying to them. 

I had to apply for re-instatement.  Then (surprise of all surprises), they slapped me in the face and  denied coverage.  Why?  Because I answered honestly about medications I take, to (very well, I might add) control high blood pressure (they would prefer I not control it, I suppose).  I also should say that almost the entire 12 years I have held a paid policy with this company, I have been on medication for the same.  Aren't MOST folks in my age category on blood pressure meds?  Seriously.

What changed?  Well, for one thing, I was 48 when I initiated the policy; I am now 61.  I have the feeling this whole thing was simply to unload me before they might have to pay out.  I feel like they took my money and ran with it.  I feel robbed of my family's security.  This should not be any company's policy for dealing with this sort of thing.  It is not fair.  It is unethical.

So, I warn all who are thinking to get a policy with Assurity.  When they dump you, it is hard to find another.  And they will dump you. 

Assurity: you are a sorry company and you should be ashamed to do business this way.