Report: #455903

Complaint Review: Legionnaire Insurance Trust - Underwritten By Life Insurance Company Of North America - Philadelphia Pennsylvania

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  • Reported By: Grosse Ile Michigan
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  • Legionnaire Insurance Trust - Underwritten By Life Insurance Company Of North America 1601 Chestnut Street Philadelphia, Pennsylvania U.S.A.

Report: Legionnaire Insurance Trust - Underwritten By Life Insurance Company Of North America Questionable Business Practices Philadelphia, Pennsylvania

*UPDATE Employee: We would like to resolve this but the complainant didn't bother to include their name.

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We originally contracted for this policy on February 1, 2006.

Over the years, the benefits have increased by an average of 50% while the premiums have increased to over $70 from an initial $30.80 per month.

Every month, this company sends a confusing BILLING NOTICE that focuses on a new premium for increased benefits. The cost to continue coverage at the previous premium is not the emphasis of the bill. All too often, we errantly and unintentionally pay the higher, new premium.

About a year ago, they unilaterally canceled our policy although we had never made a claim.

Two months ago, they eliminated my name from the policy and send condolences to my wife based on the contention that I had died.

Today, we attempted to contact them to make our first claim. We phoned their claim number (1-800-882-0220) and followed the instructions. In order to receive a claim form, we had to use the phone keypad to enter our identification number. Every time we entered our identification number, the recorded voice instructed to re-enter the number. We could not get out of that loop and hung up.

After several more attempts to request a claim form by telephone, we found a way to get to a 'real person'. She advised to expect to receive the form in a couple of weeks, not days.

This company is sloppy in administration; unilaterally and unhesitantly canceling our policy and declaring me dead.

This company bates the American Legion member with low cost insurance and then begins an immediate and calculated effort to increase the premium on the pretense of increase coverage. Repeatedly, the increased coverage is per incident but does not change the lifetime maximum. In other words, for double the premium a policyholder can use their lifetime maximum twice as fast, but does not receive an increased benefit.

Grosse Ile, Michigan

This report was posted on Ripoff Report on 05/27/2009 03:45 PM and is a permanent record located here: https://www.ripoffreport.com/reports/legionnaire-insurance-trust-underwritten-by-life-insurance-company-of-north-america/philadelphia-pennsylvania-19192/report-legionnaire-insurance-trust-underwritten-by-life-insurance-company-of-north-amer-455903. 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 UPDATE Employee

We would like to resolve this but the complainant didn't bother to include their name.

AUTHOR: Agia - (U.S.A.)

POSTED: Friday, July 17, 2009

The Legionnaire Insurance Trust is operated for 48 Departments (states) of The American Legion. It markets valuable supplemental insurance products to Legionnaires. Since 1964, the Legionnaire Insurance Trust has paid out over one half billion dollars in claim benefits and has returned millions of dollars in allocations to the states that participate.

We regret that there was some misunderstanding about the coverage by this member. We do offer coverage increases to insured members on a regular basis. The offers state the amount to be paid for increased coverage or the amount to be paid to keep coverage the same as it has been. Without the specifics of this offer, I am unable to comment on the nature of the offer cited by the complainant.

Offering increased coverage is an established, acceptable practice and does not differ that much from offering a deal to extend a magazine subscription for a special price.

Again, we are sorry for any misunderstanding which occurred and any processing errors. Each state of The American Legion that participates in the LIT has a Trust Director who can easily obtain escalated help from us if a major problem arises. I believe this could have been the case here.

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