Expensive John: My brother handed away in February 2018 and for 2 years I’ve been stalled by the insurance coverage firm in my efforts to acquire the insurance coverage cash.
I’m a disabled veteran, now homeless, and paid out of pocket to bury my brother, counting on the proceeds from the coverage.
I learn your articles recurrently, and I bear in mind studying an analogous case the place your intervention was profitable.
I’ve enclosed a replica of my final letter to the insurance coverage firm on your overview and pray that you’ll intervene on my behalf. E.J.
Expensive E.J.: I did intervene in your behalf with International Life Insurance coverage Co., and the insurance coverage cash was lastly paid — solely to not you.
Perceive that in these conditions, the corporate normally gained’t talk about particulars with me. More often than not they are saying it’s none of my enterprise they usually have a authorized obligation to not share particulars with me. However as a rule, they’d moderately I not butt in.
So I referred to as you and right here’s all that they informed me — the state of affairs was settled a month in the past.
I needed to communicate with you to get the small print.
International apparently paid the cash to a cousin of yours who lives in California. The quantity was $5,000, and the cousin gave you $1,000 of it.
The query is: When was the beneficiary modified from you — as you declare — to your cousin? We’ll in all probability by no means know why it was modified, if it was, as a result of your brother is useless. However I can see some cheap explanations, comparable to: You have been homeless and couldn’t be reached, so she was the one who would have a better time accumulating. Whether or not she was speculated to share the cash with you, or give all of it to you, is a solution that went to the grave together with your brother.
However since your life is within the state it’s, I requested International the next questions: One, why did it take so lengthy to pay out this cash? Two, was a fraud investigation undertaken to find out if the cousin actually was the beneficiary? And when was the desire modified (in case you are telling me the reality on that)?
The best way this can work is: International gained’t reply these questions for me. However, whether it is good, International will ultimately get again to you with the solutions. And also you’ll need to contact me with these solutions.
If I don’t like these solutions I’ll name the NYS Insurance coverage Division and have it examine.
Hope this helps somewhat.