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Report: #392315

Complaint Review: Liberty National Insurance - Birmingham Alabama

  • Submitted:
  • Updated:
  • Reported By: Orlando Florida
  • Author Confirmed What's this?
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  • Liberty National Insurance 2001 Third Ave South Birmingham, Alabama U.S.A.

Liberty National Insurance Misrepresentation of Policy and now they refuse to pay Birmingham Alabama

*Consumer Comment: Read your brochure

*UPDATE Employee: READ your policy!!!!

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I took this policy out 8 years ago. This policy states that it is a Cancer Plus policy that includes dread desease benefits which it clearly states on the brochure that was given to me when I opened the policy. I now have been diagnosed with Multiple Schlerosis which was stated on the brochure as one of the dread diseases. They are now telling me that I am not covered and will not get any of the benefits that I am supposed to get as stated. I was informed by one their own employees that I was covered and she sent out the forms for me to get my doctor to fill out so I could receive my benefits from this policy. I sent in the form and they have now denied me stating that my policy is only for cancer and nothing else when it clearly states on the brochure "upon the diagnosis of cancer in addition to all other benefits" which includes dread diseases such as M.S. I was also told in person by the agent that this type of disease was included in the policy.

Do not trust this insurance company. I am going to persure a lawsuit against them for misrepresentation as well as other things. This is absurd! Insurance companies are supposed to be there to help you when you get sick. I have paid my premiums every month for 8 years! And now when I need help they are refusing to pay!

Kathy in florida
Orlando, Florida
U.S.A.

This report was posted on Ripoff Report on 11/18/2008 08:32 AM and is a permanent record located here: https://www.ripoffreport.com/reports/liberty-national-insurance/birmingham-alabama-35233/liberty-national-insurance-misrepresentation-of-policy-and-now-they-refuse-to-pay-birmingh-392315. 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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REBUTTALS & REPLIES:
0Author
2Consumer
0Employee/Owner

#2 Consumer Comment

Read your brochure

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

POSTED: Saturday, March 07, 2009

Would you buy a car based on the "BROCHURE"?
Would you buy a car based on what the salesperson"SAID"?

If I had a dollar for every pissed-off client that did not know what they bought, and trusted what the agent said and who didn't read their policy, I'd own my own Island right now.

I can't believe the irresponsibility of people who spend their money every month on a policy that they have no idea what it covers.

Moma was right...stupid does as stupid is.

If you're basing your lawsuit on the frickin brochure, you'll need to hire the lawyer from the Sienfeld show!!!

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#1 UPDATE Employee

READ your policy!!!!

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

POSTED: Monday, November 24, 2008

If you READ your policy you will see that the dread disease benefit pays for hospital confinement. It does not pay just because you have MS but if you are in the hospital because of MS. This is why the company gives you a policy!!!!!! USE IT!!!!!!!

In my opinion, this is one of the best cancer policies on the market. The benefits are outstanding and the price is affordable. I have seen this policy pay out thousands of dollars, the company pays ligitamate claims quickly.

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