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L.W. vs. Aflac Insurance

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Major problems with how Aflac did business with my family!

L. W. vs. Aflac (American Family Life Assurance Co., Headquarters)
1932 Wynnton Rd, Columbus, Georgia, 31999-0001, United States
Amount Involved: $5,000.00
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Statement of Claim
Complaints Involved (4) - View
Claimant says:
"Aflac sold my husband a Heart policy... Knowing that I had conditions called AFIB (Atrial Fibrillation) they said it was not part of the questions that we had to answer in the police process. Our agent then said for us to go ahead and try to submit a claim after I had to go in for surgery. Then it took them months to say that they had denied our claim. They had also changed a policy for accidental that we could have filed for as well. During surgery they hit an artery that caused damage to my left leg leaving me unable to walk for months. I had to do physical therapy for 7 almost 8 months. And am still in therapy for my abdomen. We have reached out and tried to get this problem handled ad nauseam and have had little to no help.

What can we do ? We would like our policy completely refunded!"
...
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Claimant timeline (1) - Hide
  • 10-24-2016 — Filed claim
What Claimant Wants Hide
1. Refund: All Policy Feb 01, 2016 $5,000.00
2. Other – Copy claim to regulators Feb 01, 2016 $14.99
3. Other – Pay for claim posting cost Feb 01, 2016 $7.99
4. Other – Physical delivery charges Feb 01, 2016 $4.99
Just make me happy!
Claimant invites AFLAC (American Family Life Assurance Co., Headquarters) to make a fair offer to resolve this complaint.
Cash total : $5,027.97
  • -1
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Respondent's Counteroffer

There has been no response to this claim from AFLAC (American Family Life Assurance Co., Headquarters). This claim will remain posted until resolved
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  • 1
  • Contributed Solution: by ISHWAR ALABANNAVAR On 06-07-2018
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    more AFLAC, REASONS. TAKING ADVANTAGE OF THE ELDERLY IS AGAINST THE LAWS OF OUR STATES.. SPEAKING AND SELLING A POLICY OR ANYTHING OF VALUE, YOU SHOULD HAVE REQUESTED A MEMBER OF THE FAMILY TO BE PRESENT. SETTLE IN GOOD FAITH. WORD OF MOUTH WILL COST
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  • 1
  • Contributed Solution: by Jessica Lothman On 07-30-2017
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    Granting a policy after disclosing a pre-existing condition with an agent and the agent explicitly saying it did not impact the policy coupled with the questionnaire not requiring disclosure misleads a customer at a minimum and when a claim is denied that was previously asserted as covered--AFLAC should refund the policy or pay the claim plus costs More...
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  • 1
  • Contributed Solution: by Harold Hull On 05-06-2017
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    You should take the policy to an attorney or your state's Dept of Insurance for review if no-one here is able to review it with you. More...
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  • 2
  • Contributed Solution: by Roz Darby On 04-05-2017
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    AFLAC, REASONS. TAKING ADVANTAGE OF THE ELDERLY IS AGAINST THE LAWS OF OUR STATES.. SPEAKING AND SELLING A POLICY OR ANYTHING OF VALUE, YOU SHOULD HAVE REQUESTED A MEMBER OF THE FAMILY TO BE PRESENT. SETTLE IN GOOD FAITH. WORD OF MOUTH WILL COST More...
If you are a party to this claim, click here.
Is this a fair resolution?
  • Question: by Jim Wicks (1782 points) — Former Atip Intern, Occasional Contributor And Moderator
    • On: 03-17-2017
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  • To the claimant:  A few questions to make sure I understand —

    In purchasing this special Heart policy,  did you believe it covered surgery associated with AFIB?

    Was the agent an employee of AFLAC or an independent? — i.e., should your complaint be against the agent or the provider?

    In saying that your condition was not required info for establishing the policy, did the agent lead you to believe that it would be covered?

    What was involved in the change of the Accidental policy you mentioned?  What part of your expenses would that have covered and in what way was it changed?   Are you saying this would have given you some coverage if you had been aware of it?  Or it would have covered it had not been changed?

    Thanks.






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