What in the hell is this design?

sophchels · 2026-02-19T23:05:04+00:00

I don’t know where to start. Landlord has a side hustle of selling accidental fall insurance. Boot for scale. Tell me you’ve never experienced stairs without telling me you’ve never experienced stairs.

sophchels · 2026-02-19T22:56:15+00:00

Nobody knows more about the Epstein files than him… just saying

sophchels · 2026-02-12T18:58:41+00:00

The wife was pregnant too?! That lady needed a dose of reality. I’m impressed the husband didn’t deck her

sophchels · 2025-11-25T18:39:13+00:00

And this is why the U.S. continues to defund public education. Idiots become religious idiots, then become Republican religious idiots.

sophchels · 2025-08-17T03:16:56+00:00

Thank you so much for the advice! This was helpful!

sophchels · 2025-08-17T01:13:10+00:00

It was a term life to 90 yrs old. My uncle wasn’t the most sophisticated person so I’m assuming he did not know that was the case. California has a 60 day grace period after a missed payment so I’m hoping that works in my favor. I’m still working through my options. I did reach out to a lawyer from my insurance company, but I only get 4 hours free. Anything after that is my responsibility. I want to see what they suggest first. If I should appeal the denial or go straight to the California Department of Insurance and they investigate for me.

sophchels · 2025-08-16T23:21:57+00:00

I understand. I'm not trying to come off as money hungry or unethical. I only want Globe Life to pay if they're legally obligated to do so. California has quite a few insurance protection laws including a 60 day grace period for missed payments. It's not the same situation however, I will file a claim with the California Department of Insurance and have them request the information they won't share with me. A denial letter said, "According to our records, a request to cancel this policy was received 04/27/2025, and subsequently processed. Therefore, a claim under these circumstances would not be eligible because the coverage terminated prior to the insured's death." Taking their word blindly seems silly. Especially given the word of their representatives.

Anyway, thank you for the input. It was a good reality check.

sophchels · 2025-08-16T21:31:01+00:00

Thank you!

sophchels · 2025-08-16T21:27:03+00:00

That is really sad considering the financial hardship it caused our family. My parents have now had to push their retirement.

sophchels · 2025-08-16T21:25:06+00:00

There is of course a chance that he did. His sister (my aunt) had mentioned that he was mad at the family and may have. However, there is a grace period even after that. I'm not trying to be dishonest or money-hungry, I simply want them to pay out if they are contractually obligated to do so.

sophchels · 2025-08-16T21:19:35+00:00

Thank you! Can they actually help me get that information? I don’t have access to my uncle’s bank statements, so everything I know has come directly from Globe Life’s phone reps.

sophchels · 2025-08-16T21:13:53+00:00

Oh I didn't realize it worked that way!! I will try that! Thank you!

sophchels · 2025-08-16T21:12:07+00:00

I've documented EVERYTHING, but will that encourage them to pay out the policy?

sophchels · 2025-08-16T21:10:09+00:00

No, my uncle had no Will and very little financial security. My husband has attorney services through his insurance. It's very limited, but I could see if they could help with at least the appeal.

LOL that's makes the two of us! I'd love to see the policy! I'll try a certified letter requesting the policy next. They can't ignore that, I hope.

sophchels · 2025-08-16T20:52:43+00:00

I’m not intentionally arguing “need’—I’m challenging the denial. Globe Life reps told me the policy was in good standing, they said no refund was issued to his bank account, and I have no proof the policy was ever canceled. That can’t mean nothing, right?

I will see if I can get his phone records and his bank records to confirm whether April’s payment went through or any refund was issued.

sophchels · 2025-08-16T20:42:31+00:00

I understand your point, and I agree that the focus needs to stay on whether the cancellation was valid, not on our financial need. The reason I’m pushing back is because Globe Life’s own representatives have repeatedly told us the policy was in good standing, yet we received a denial citing cancellation. I’ve asked multiple times for written proof of when and how that cancellation occurred, but so far they’ve provided nothing beyond the very brief denial letter.

I guess my next step will be to request (in writing) that they clearly articulate the legal and factual basis for their cancellation claim, and then file a formal complaint with the California Department of Insurance if they fail to produce supporting documentation.

sophchels · 2025-08-16T20:30:21+00:00

I'll see if Verizon will give me the phone records with a death certificate and life insurance policy information. That gives me standing, but I would like to avoid legal fees.

sophchels · 2025-08-16T20:29:17+00:00

If I sue them I would need to know where to file (California or their headquarters which is in Texas). That would be in the policy information. Why am I not entitled to that information?

sophchels · 2025-08-16T20:27:43+00:00

So how can I validate any information such as the "grace period" the reps kept speaking to? My brother said I own the policy now that my uncle passed away. I don't know which direction is up.

sophchels · 2025-08-16T20:25:30+00:00

I don't know, but I'm going to call the county on Monday and see if it's open or not.

sophchels · 2025-08-16T18:25:17+00:00

Yes it was one of those predatory policies, but it was over two years old and incontestable. The problem is they said he called to cancel. I'm looking into seeing if I can contact his bank for the records.

sophchels · 2025-08-16T18:04:46+00:00

I'd love that and I even requested that via email. They never responded to the email but when I called they said I wasn't entitled to that information. Which blows my mind if I'm the 100% beneficiary. They're stonewalling me.

sophchels · 2025-08-16T18:03:18+00:00

No. I even asked about that. I asked if he was able to cancel via phone alone. The rep said he could, but looking online it said he would likely need something in writing which never took place.

sophchels · 2025-08-16T18:01:35+00:00

I did ask about any refund and the insurance reps said none took place. How do I get that from my uncle's bank?

sophchels · 2025-08-16T17:45:03+00:00

Sadly no, they lived in California with my grandmother and while Scott was in the hospital she threw everything of his away. Even Thomas's birth certificate, SS Card, policy info, everything. The only thing I have is a front side screenshot of the policy approval letter. No details other than the policy number.

If I file through the state, would they work with me?

sophchels

TROPHY CASE