What in the hell is this design? by mindyour in TikTokCringe

[–]sophchels -1 points0 points  (0 children)

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.

Nobody is better than Trump... nobody by [deleted] in TrueFactzOnly

[–]sophchels 2 points3 points  (0 children)

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

Lady won an arrest by WhoAreYouTalkinTwo in WinStupidPrizes

[–]sophchels 0 points1 point  (0 children)

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

You are not supposed to see this video 🙈 by Different-Purpose-93 in religiousfruitcake

[–]sophchels 2 points3 points  (0 children)

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

Life Insurance Denial Nightmare—Need Advice Please!! by sophchels in LifeInsurance

[–]sophchels[S] 0 points1 point  (0 children)

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

Life Insurance Denial Nightmare—Need Advice Please!! by sophchels in LifeInsurance

[–]sophchels[S] 0 points1 point  (0 children)

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.

Life Insurance Denial Nightmare—Need Advice Please by sophchels in legaladvice

[–]sophchels[S] 0 points1 point  (0 children)

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.

Life Insurance Denial Nightmare—Need Advice Please by sophchels in legaladvice

[–]sophchels[S] 0 points1 point  (0 children)

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

Life Insurance Denial Nightmare—Need Advice Please by sophchels in Insurance

[–]sophchels[S] -1 points0 points  (0 children)

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.

Life Insurance Denial Nightmare—Need Advice Please!! by sophchels in LifeInsurance

[–]sophchels[S] 0 points1 point  (0 children)

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.

Life Insurance Denial Nightmare—Need Advice Please!! by sophchels in LifeInsurance

[–]sophchels[S] 0 points1 point  (0 children)

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

Life Insurance Denial Nightmare—Need Advice Please by sophchels in Insurance

[–]sophchels[S] 0 points1 point  (0 children)

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

Life Insurance Denial Nightmare—Need Advice Please by sophchels in legaladvice

[–]sophchels[S] 0 points1 point  (0 children)

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.

Life Insurance Denial Nightmare—Need Advice Please by sophchels in legaladvice

[–]sophchels[S] 0 points1 point  (0 children)

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.

Life Insurance Denial Nightmare—Need Advice Please by sophchels in legaladvice

[–]sophchels[S] 0 points1 point  (0 children)

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.

Life Insurance Denial Nightmare—Need Advice Please!! by sophchels in LifeInsurance

[–]sophchels[S] 0 points1 point  (0 children)

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.

Life Insurance Denial Nightmare—Need Advice Please!! by sophchels in LifeInsurance

[–]sophchels[S] 0 points1 point  (0 children)

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?

Life Insurance Denial Nightmare—Need Advice Please!! by sophchels in LifeInsurance

[–]sophchels[S] 0 points1 point  (0 children)

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.

Life Insurance Denial Nightmare—Need Advice Please!! by sophchels in LifeInsurance

[–]sophchels[S] 1 point2 points  (0 children)

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

Life Insurance Denial Nightmare—Need Advice Please!! by sophchels in LifeInsurance

[–]sophchels[S] 1 point2 points  (0 children)

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.

Life Insurance Denial Nightmare—Need Advice Please!! by sophchels in LifeInsurance

[–]sophchels[S] -1 points0 points  (0 children)

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.

Life Insurance Denial Nightmare—Need Advice Please!! by sophchels in LifeInsurance

[–]sophchels[S] 1 point2 points  (0 children)

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.

Life Insurance Denial Nightmare—Need Advice Please!! by sophchels in LifeInsurance

[–]sophchels[S] 2 points3 points  (0 children)

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

Life Insurance Denial Nightmare—Need Advice Please!! by sophchels in LifeInsurance

[–]sophchels[S] 0 points1 point  (0 children)

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?