Conseco Insurance

I have had insurance with Conseco for 19 years, and automatic withdrawals for both my wife and I. Two years ago, I got a notice that my policy was in a "grace" period, and I needed to pay $272 or it would lapse; so I did! The next year, I got a notice of the same kind and this time it was for $282; so I paid it! This year I have received a notice for just over $300 or it would lapse. Guess what? I didn't pay it. I was paying $50 and $40 per month for myself and my wife. Suddenly, they stopped and started taking out only $50, so I contacted them and explained the situation.

After that, they changed and began taking only $40 and I called again. The next thing I knew they took $50 out on 4/5, then again on 4/6, 4/7, 4/8, 4/9, 4/10, 4/11. I had to talk to the bank and have them stop paying. Of course, it messed up my ability to do automatic payments again, but they were simply going in and taking my money even after I had spoken with not 1, not 2, not 3, but 4 customer service reps. I did recoup $300 as they sent me a check and also the lapse notice if I didn't pay $320.10 roughly! So now, I am in a quandary as to what I need to do. I think this insurance company is very deceiving and not very reputable. I would join any type of class action suit should someone pursue it. Needless to say, I am totally dismayed and upset!

I purchased a cancer policy from Conseco 17 years ago. In Oct 2011, I was diagnosed with cancer. I have been trying to get Conseco to pay on the policy but they keep denying it. They said the company that performed my radiation is using the wrong billing code. They will not offer any help to resolve the problem. The billing dept, Conseco and I have had 4 conference calls regarding this issue. The billing dept. keeps telling them that is the code they used and is the code they always use and there has never been a problem. Conceco will not help resolve this issue. All they tell us is the wrong code is being used.

My husband of 56 years past February 6, 2012 and on February 7, 2012, we notified Conseco/Washington Life Insurance. On February 23, the insurance company withdrew money from his checking account as usual, two weeks after death notification. We were sent the death claim application. Now we cannot get this office to verify the receipt of the death claim. My husband has paid $209 a month for the last twenty years. Please advise immediately. After reading the complaints we may need to get advice from the AG's office.

My mother who is 97 years old has been paying for a $2,000 life insurance policy for 31 years At $16.20 a month. I talked to the company on 03/01/2012 to ask them why my mother is still paying for a policy that she has overpaid 3 times the value of the policy. The person I talked to told me that she had to continue to pay in order to keep her insurance up to date or she can get the cash value of $1,094. My mother has paid $6,026 dollars on a $2,000 policy. I would like to know is that legal? I think my mother is due a refund and her policy should be paid up.

Just like the other complaints on this site, I was with Conseco for years with the promise of a vanishing premium. For 18 years, I paid $33.00 per month for a $100,000 policy. And now, I'm told I need to pay $200 per month to keep the policy in force. Also, to be prepared for another increase by summer 2012. What a ponzi scheme! I'm retired now and I don't have $200 or more per month to pay these thieves.

My husband and I have had this insurance since March 1994. Paid through monthly bank drafts. Almost 18 years later, we get this letter in the mail that read that our policy was in "grace". I needed to send in $157.72 to Conseco Life Insurance or my policy would lapse. I called Conseco to find out what was going on, and a lady named Brittany told me that the policy was still the same but the cost of insurance had gone up and they were allowed to charge the extra amount. That it had changed as of November 1, 2011. Conseco had depleted all that was in our interest account for the extra cost. Our original policy was for 38.80 for 18 years, and was suppose to be that for the life of the policy. I told her that I would be contacting a lawyer. When you read the complaints, Conseco has did this to thousands of customers. They should be held accountable for what they have done.

My wife and I have had this insurance since 1994. Paid through quarterly bank drafts. 17 years later I get this letter in the mail that read that my policy was in "grace". I needed to send them more money. More than half of what I was already paying them. I was out of work, and I knew that I needed life in insurance but there was no way I could afford to pay what this company was saying that I had to pay. Tried to just surrender the policy, but there was nothing left. Paid for 17 years for what? Nothing!

My premiums jumped from about $38.00 to $73.00 last year. Now I receive a letter that it will again rise to $106.80 in April. I believe their increases to be unusually high and excessive. All attempts to get a detailed written report on just what the policy covers have been unsuccessful. I don't even know if it is worth the increase. I carried it for many years and have invested a lot of money. I can see minimal increases in today's economy, but theirs are excessive in such in short period of time. Help!

I too received a letter late last year stating that I should anticipate an increase in the cost of insurance but that I would not see an increase in my "premiums" unless I wanted to change them. It was a 12 page letter with many unintelligible charts and after repeated calls I discovered their definition of premium was my definition of automatic bank withdrawal. But I shouldn't worry about changing the amount of my allotment because they would make up the difference in my increase by tapping into my accumulated cash balance. I was also told that rate increases could be expected twice a year. That throws the convenience of an allotment out the window.

So I told them to start sending me a monthly bill. They told me they couldn't because they were unable to tell me what the cost of insurance would be because it constantly changes. I asked why now, after 16 yrs of consistency. They had an answer for everything. Those 16 years of premiums, sorry, payments were front loaded and the overpayment put in escrow for this eventuality with the promise that the premiums would never change for the life of the policy. The reality is that the balance will disappear in less than 4 yrs at which time my costs will have doubled.

Within the next 8 yrs they will have tripled. No adjustments to the policy can be made without losing the cash value. This whole process is a scam to rob us of all our cash balances by carefully "informing us", and at the same time not telling us the truth while at the same time, squeezing us for more money through logarithmically higher rates until you can no longer afford coverage and are too old to get coverage. The only option is to cancel as soon as possible and hope to retrieve your balance and put that towards a different policy.

Like everyone else, I was duped by Conseco. My policy was purchased in 1993 from Philadelphia Life which then sold it to Conseco. The monthly premium has been $70 for all that time. I have now received a statement that it is going to $158.39. My question is, how do we fight this? And is there another class action suit against them for this particular shady practice? The girl I talked to said it was legal since they were raising it on everyone not just the senior citizens. This company needs to be shut down.

My wife and I both have had life insurance with Conseco for 17 years. They have doubled our quarterly premium from $223.32 to $446.50. I called them and they want me to make my regular payments of $223.32 and they will reduce my accumulated account value every quarter the remainder needed to make the $446.50. When that runs out, I would need to make the full amount myself which I can't pay. So I will surrender my policy and take our money. That is what they want us to do any way. What a scam.

My 18-year-old life policy with understandable small increases in cost of insurance was suddenly up 400%. And they'll be happy to keep me if I pony up 29000 for my 100k policy. Their consumer and business ratings speak for themselves. Universally terrible. They are another example of "they do because they can." We are powerless.

Conseco is a scam! There is no reason that business should be around! After reading so many complaints, I am appalled at how something that dishonest can take place. My mother had a cancer policy with them for many years and a year ago was diagnosed with cancer. We have spent countless hours with these people on the phone and in writing, to no avail. We are told we have not submitted the correct forms, we do not have permission, etc. Oh, she did receive a check from them for something like sixteen dollars, with no explanation whatsoever. There was not even a stub with explanation of benefits attached to it!

I was diagnosed with cancer in May, 2010. I tried, unsuccessfully, to use the insurance I paid, for over 20 years, by filing claims. They kept on telling me they need more information. I had my doctors complete the forms, and hired a lawyer to file them. He ended up being forwarded on the phone to a girl in Jamaica. After repeated attempts, and paying $25.00 for a copy of the policy, my lawyer said that it was not worth the paper it was written on, and to cancel any further payments. I had heard that it was difficult to get Conseco to honor their insurance responsibilities, but it was a shock to be the victim of such flimflamming.

I followed my lawyer's advice, and canceled the insurance. The company sent me a check for $23.00, for some reason. As an educator, I would recommend checking out this company before signing a contract.

I am a retired teacher. I got a cancer/sickle cell policy in 1986. The company at that time was under another name. In 1993, I added my daughter to the policy. At that time I was told it would not change the maturity date. 20 years later, I was informed my date had changed because of an inversion. I did not get hardly any of my money back. I still paid until I retired in 2010 and tried to keep paying, but the payments were too high on a fixed income. I paid for over 23 years and got nothing but excuses. I would like something back.

I regret informing you of the uncooperative business of Conseco. I have been trying to be compensated from a car accident in June 2011. First, I had to go back and forth for an emergency room visit for me and my daughters. I did not receive payment until August. Now I am seeking payment for my physical therapy. I fax over the documents from the billing office on September 6, 2011. I was told I needed more documentation, my doctor fax a definitive statement about my family physical therapy sessions.

Then I was told I needed a final bill. On October 28, a final bill was faxed. I was told "another 48 hours." Then On November 4, I was told "at least 14 days." Yesterday, I was told "by the end of the business day." At 4:45pm, I was told "another 48 hours." This is nonsense. I have become stressed due to a hardship Conseco is causing.

On behalf of my self, my family, my doctor, and physical therapist, we all think this is ridiculous. I never experience service like this out of my 7 years with Aflac. Please reconsider this company in the future. I pay diligently. Why do my family have to suffer?

I'm the owner of the three life Insurance policies (two for my daughters and one for my mom). I'm paying $150 quarterly for my two daughters and $183.36 quarterly for my mom since 1999. On May 2011, Conseco stopped sending us a billing statement for payment. I sent a letter to Conseco three times asking questions regarding our insurance payment however, no response has been provided. I also emailed Conseco thru their online site and still no response has been received. If I knew that this is how Conseco is making business, I should have backed out and picked another trusted company but it's too late now. All I need now is someone that can help us recover all the payment I have made since 1999.

I bought Conseco Life Insurance last 2/17/95 paying $244.62 quarterly including spousal rider. On October 10 I got a letter from Conseco stating premium increasing to $2,354.81 quarterly and cancelled spousal rider. Explanation letter stated Increase in Your Monthly Expense Charges per $1,000 in Coverage and Monthly cost of Insurance Rates were included which when calculated increase to $345.24 quarterly not the $2,354.81 quarterly as demanded for payment.

I Called Conseco and no valid explanation given, I was told "we have the right to increase your premium amount and if you do not pay the $2,354.81 quarterly we will cancel your coverage". Original policy was stated as 20 year coverage and policy is only in the 17th year. I was involved in the "dishonest business practice class action lawsuit" against Conseco a couple of years back and everything was guaranteed to be corrected. Please advise how this can be resolved and hopefully a new "class action suit" can be instituted to stop this injustice against their loyal policyholders.

I purchased a $50,000 Conseco Life Insurance Policy in 1996 with a monthly premium of $137.40, which I understood would not increase. On 10/22/11, I received an 11-page package of documents from Conseco explaining rate increases which I had difficulty understanding. I called the number listed for information and after 3 attempts and waiting for over one hour, I spoke with a Conseco Rep. who confirmed that if I want to keep the death benefit at the current level, my monthly premium would need to be increased to $532. I have had this policy and paid the monthly premium for 15 years. I was told that if I do not increase the premium, the death benefit and the surrender value of the policy will drop to zero in 5 years. Do consumers have any protection from this outrageous action by Conseco? I'm approaching my 80th birthday and I am on a fixed income. I cannot afford this increase.

My husband and I purchased a life insurance policy (quarterly $80.25),18 yrs ago with the understanding our rates would never increase and at age 65 we would never have to pay another premium .This month, I received notice that they are raising our rates to $478.00 quarterly. I feel so betrayed and lied to. What can we do? There is no way we can afford this increase. I really need an answer.

For a lot of years since 1994, I have held Conseco on a high level, because they were the most reasonable and sensible insurance for me to afford. Now after 17 years and over 70 years of age and living on social security, I am told my premium will be $546 a month. This does not sound right or honest. I know at age 78, my insurance will be at 0 premium according to my policy. Can someone explain the hike?

i would like to keep my whole life insurance with Conseco as I have already spent 17 years with them. But I need some solutions as to how the expectations from $79 plus to $500 plus per month can happen after putting the funds into the policy. I believe there is a clause that the premium would not change. I may be wrong, but I will research my policy again.

At the time of this purchase, it was stated that this would be the best for a single parent raising four children. I am still a single parent who depends on her self to maintain her life as her four children are raising their own now. I wonder what is the motive behind all of this. is it greed? Who are the CEO and board members for Conseco?

I purchased a $50,000 life insurance policy from Conseco in 1993 with a monthly premium of $98.43. Now after 18 years of payment (a total of $21,949.89), Conseco is raising its monthly premium to $469.43, which I cannot afford to pay having only my retired social security and small pension. My options are to take the cash surrender of $1,902.65 and let the policy lapse. This is a Ponzi scheme and scam. It is a very well planned Conseco scheme to make a large amount of money by enforcing this scam. I am interested in finding a way to stop Conseco from enforcing it.

I have not been getting my renewal commissions from Conseco Life Insurance Co. My agent numbers were ** and **. Conseco gives me two agent numbers and cease giving me my renewal commissions since June 2010. It's because each individual number is not making the minimum vesting requirements, which is a way not to pay me any more renewal commissions. I continue to service these clients as a vested agent.

I took out a cancer and heart policy; the type that pays you money if you are hospitalized so you have money to pay your bills, etc. in 1985 from Capital American and Conseco bought them out. I paid on these policies through a payroll deduction since 1985 and when I retired in 2009, I called Conseco to inform them of having to set up an automatic deduction from my checking account for these coverages and I thought it was being done, as there was a monthly automatic withdrawal to Conseco on my bank statements. I called over to Conseco about two weeks ago to find out when these policies would mature and when I would be getting back my return of premiums since I had not had a claim or used any proceeds from the policy. I was told that the heart portion had lapsed due to non payment since August 2009. I told them I didn't know how that could be since there was a deduction every month, and they said it was only for cancer coverage.

I have paid on an accident insurance with a disability rider for approximately 6 years. I have been off from work since Feb. 4 2010. At first the company paid benefits but then after 8 months refused to pay. I was entitled to benefits until Feb of 2011 but the company refused to pay after Sept. 2010. They claimed my accident was due to a pre-existing condition. I suspect the company was due to default. I appealed the decision but they still were unwilling to fulfill their promise as stated in the contract.

I am still unable to work but have yet managed to pay my monthly premiums to a company that no fulfilling their promise. I would like the public to know of my predicament and be warned not to invest in this company or their policies. I received a letter stating that they were merging with another life insurance company which confirms my suspicion of their financial difficulties.

It was Tuesday, July 19 when a man and a woman in a Cadillac pulled up in my drive way wanting to talk to me about insurance. He claimed he sent the information earlier, which was a lie. They were trying to peddle or talk to me about insurance even if I am already covered. No business card or name was presented to me. When I asked what was his business at my home that he visited unannounced, he said I looked busy and would contact me later. I promptly put up no soliciting signs. I am hoping that my security cameras captured his license plate. I am trying to contact the company about this tasteless way of selling door to door and I will not allow anyone to enter my property.

I have had a whole life insurance policy with Conseco since 1990. I pay $163.50 a year for it. Last year when my bill came, it was for a 6-month period, not the annual that I always got (and paid). I called and they said they had a system update and had to change back to my anniversary date of June 1. So, I paid the 6-month premium and told them to set me up for annual premium come June 1. I got the bill for June. It was for 6-month period again! I called and they assured me they would fix the problem. Two weeks later, I got bill again and it is for a one year premium, but now it was for $389.00! It is supposed to be $163.50. I called them up again now. They are saying that I have a term policy and the rates changed. I faxed the original Whole Life policy and have heard nothing since. They still can't give me an answer. They are still expecting payment of $389.00. Would it do any good to get a lawyer involved?

First, I will start by saying I signed up with Conseco Insurance on April 9, 2010. My payroll deduction date started on May 1, 2010. Payment mode is monthly, and my Health rates is Individual+child(ren). My plan states that if I get hurt off the job, I will receive $2,000 a month for up to 12 months as long as I am out disabled and could not work. I paid $32.00 a month.

On March 22,2011, I was in a car accident. I went to the emergency room by ambulance, was admitted, x-rayed treated, given medications, and released on March 23, 2011. I took my claims packet to my Doctor and Physical Therapist and they filled out the accidental claim forms and faxed them to Conseco on April 1,2011. And from April 6,2011 up to present, I have been on a non-stop merry-go-round with this company trying to get my benefits. I have spoken to over 10 different individuals including 2 supervisors in regards as to how my case is being handled.

It took them a month to tell me I needed to send in an itemized bill from the Doctor and the Therapist to get paid for the ambulance and physical therapy. They also informed me that I was not current with my payments, which was due to a problem with payroll on my job. So I sent in 2 additional monthly payments that updated my payment until April first. Well, April has come and gone. It is now the middle of May and they are still jerking me around.

The only thing they have paid me is the $150.00 for the ambulance and $240.00 for the 8 sessions of physical therapy. When I called and asked when was I going to start receiving my benefits, they replied that I need to send in a different accidental claim form. I sent in the accidental claim forms that was in my claims packet which was sent to me when I signed up. So now its a different form. I asked them why didn't they send those forms instead of the ones that they sent. So I had them fax the forms to my Physical Therapist's office and had my Doctor fill out the papers again. Now, I'm waiting on them to arrive.

Now, the other thing is my husband and I was in the accident together and he has his own policy with Conseco. He turned in the same paper work and he is going through with no problems. For example, he faxed in his bill from the emergency room then they have processed and sent him a check for $500.00. Well, I faxed in my bill from the emergency room exactly how he did his besides the name and the pharmacy. Then they told me I have to get an itemized bill from the emergency room. I don't understand why everyone I have spoken with, that has filed a claim with Conseco, say they have never had to send in an itemized bill for emergency room. They just sent in the bill. Since then, I have sent in 2 additional payments of $32 each just so that I will be covered up through June 1st.

Every time I send in something that they request, it takes 10 calendar days for them to review it. Once they finish reviewing one thing, they turn around and ask for something else, so that's another 10 calendar days and so on and so forth. Today is May 20,2011 and I've been waiting 2 months to get my monthly benefits. By the time they send me my first check it will be June and I have a feeling that instead of sending $6,000, which will be the amount owed at that time, they will only send $2,000 and I will be going through this whole process again.

I'm at a point where once I'm done with this claim and I'm able to go back to work I will be dropping the policy with Conseco. It's been nothing but stress and headaches to deal with them. It's like they don't care that you can't work when you're depending on your benefits from them, then they jerk you around while your bills and mortgage and everything is piling up. I told them the utilities in my house will soon be cut and I will be homeless soon if I don't make a payment. But do they care? All they say is "I'm sorry to hear that", then they continue to play games. I'm fed up with their nonsense. What can I do about this?

I signed up for 2 health insurance policies (Heart and Cancer plans) since 5/03/2000 by an agent who visited our local elementary school and solicited teachers, staff and school bus drivers. We were told and led to believe that if no claims were filed on these policies, they would be totally reimbursed (no interest) and could be a good way to save for college tuition for our young elementary children. I was assured that the policy was a 10-year plan that would mature and could be reimbursed for college. I would have never signed up for a 20-year plan as I never planned to drive a school bus for 20 years.

I paid all premiums on time and honestly forgot about the plan until the ten-year mark was approaching and I called to inquire about my refund as I have not had any claims on either policy. I was shocked to learn and was informed that there has never been any 10-year policy and that mine is definitely a 20-year policy that will mature in 2021. I feel that I have been misled and this is insurance fraud to deceive people into buying something that has been totally misrepresented for me and my family's needs. I have four daughters that will never be able to use this promised "refund" for college or anything else. They are 27, 23, 21 and 17 years of age. I also was clear with the insurance agent Monica **, Agent no. ** that I only intended to drive a school bus for the years that my daughters were in grade school. My youngest will be a high school senior next year.

I am now planning to retire from after 12 years of service. I do not plan on making payments on this policy for another 10 years until it matures. I am requesting that Conseco do what is fair and return my contributions without interest since I was misrepresented and led to believe that this was something that I could retrieve after 10 years. I have called several times to get answers. I do not want to talk to their Jamaica Call Center. You have to ask for the Carmel, IN office to get information and even then it's a run-around. I am writing to the Virginia Insurance Regulators and the Bureau of Insurance State Corporation Commission as well as the Better Business Bureau. I hope that this can be resolved and that Conseco will work to rectify this unfortunate deception.

Payments were deducted and then returned stating that my policy was cancelled. Apparently, they sent a grace notice and I explained that I never received it. So they sent a reinstatement which I filled out. They stated that I could not reinstate my mother because she was sick. I explained that when I got the policy, my mother was in good health. Now they can't or will not reinstate the policy.

I took out an accidental policy in 1987, # **, and they can't find any record of that policy #. I just paid the premium on January 12, 2011 and have a copy of the cancelled check (front and back). This was a Beneficial Standard policy before Conseco bought them. So from all the complaints I have read about them, is there anything that can be done to put this company out of business? Thanks.

I receive, at least once a month, a loan default letter from Conseco on a loan I used to buy a primary residence in 1988 from a TSA. I made payments until 2006 and then payment notices stopped. All correspondence by Conseco stopped until in a letter dated May 2008, I was promised a new look to my payment notice. So, I thought I would be getting the same. I have never received a payment notice since then.

Then, in August of 2010, I began to receive these loan default notices. I don't know if the problem lies with Conseco or with Transaction Applications Group, a Perot Systems Company. I have tried talking to customer service, but to no avail. I was told by one service representative that it was my responsibility to know when to make a payment. Her supervisor never returned my voice mail request.

In a letter dated January 2009, I was told to expect annual statements, which I hadn't been receiving. Without this statement, how am I to know that it is really going to Conseco, and therefore paying down my loan, or is it going to some rip-off artist who has gained information illegally? When talking with them on the phone, they all seem legitimate. Other than the 2008 statement which was included in this January 2009 letter, I have not received 2009 or 2010 annual statements.

phone and online the day it was due. They would consider reinstating me if I went for a complete physical.

Well low and behold, I had 3 strokes and would not pass. What a consequence. They knew they were wrong and fraudulent. I will get an attorney and file against them. It is not fair.

I initially started my annuity plan since 2001 while I was working with the school district. Since 2000, I have been trying to cancel this account and move my funds to another company. I have yet to be able to do so. My first big hurdle was to prove to them that I've never been married. Mind you, I have copies of the original documentation where it indicates I'm a single individual. This year, I vow to get aggressive and do whatever I want to get my funds out. They will not, no matter how many letters and phone calls I have provided, release my money.

Submitted claim on mother's life insurance policy. She passed away on 3 August. Was told needed all kinds of forms (Heirship form, executor statement/form). Washington State does not require probate for estates less than $100K and no real property. There was no will but I had durable power of attorney until her passing. I am her son and have submitted a claim with an Affidavit of Successor and my birth certificate. Called them again yesterday to determine status of claim and was told again that I needed to submit forms that do exist in the State of Washington.

No probate, no will, no executor letter. I will have to get a lawyer to represent me and spend the plocy proceeds just to collect because of their stall tactics. Typical Insurance Company (stall tactics, exclusions, etc.) - Anything to not honor a claim.

About thirty years ago, my mother bought long-term care and home care insurance from Pioneer Life. That company was acquired by another company that was ultimately acquired by Conseco. At one point, they tried to cancel my mother's insurance for forgetting to make one payment. She has Alzheimer's. We had to fight hard to get the insurance re-instated. Now that my mother needs to start getting reimbursed for care, they put all kinds of obstacles in our place. They say the people working at the senior home where my mother is now, are not authorized home care providers so that we cannot get reimbursed for the money we pay the facility to make sure my mother gets her pills every day. We have paid premiums for 30 years and continue to pay yet, even though my mother is 86 they won't pay us anything.

My mother had two life insurance policies through Conseco. I am the beneficiary. When she passed in March of this year, we sent out all of the proper forms to Conseco. On May 6th I received two letters telling me that the two accounts had been processed and I would receive a "benefits now" package for each of the accounts in 7-10 business days. I received a letter and check for one of the accounts on the 22nd of July. I have contacted them 7-19, 8-5, 8-20, 8-23, 8-25 (2 times) and received a call back today 8-30, stating that they have not received any word that the account in question has been processed, which seems strange because that is basically what I have been told on the previous times I have called. I told them (the customer service representative) that I wanted that check in my hand by this Friday or all hell will break loose. I told her to tell her supervisor to get it done now.

Ii need to know what I have to do to file a claim about my husband? What number do I call? My policy now is considered a universal life when we purchased this policy in 9/15/1991. From enrollment to the present, Massachusetts Indemnity changed to Conseco. There is no phone number to call in the United States. These calls are routed to the Philippines. We did call this number over and over and never received a clear answer on anything. First, we would like a print-out for future use of the amount the family would receive in the year my husband dies. It seems like this policy was sold to us and we understood and was told it would remain at $250,000 for life and the premium would remain $80.57 We were never told the face value of the policy would change to a lower amount year by year and the premium would continue to rise as he got older. Could we get someone to respond to us regarding this?

In 2001, we bought a 2002 Honda motorcycle. In 2002, we filed Chapter 7 and the motorcycle was exempt from the claim. During that time, I believe another company bought out Conceco or the other way around (not sure). We tried to send payments for the motorcycle month after month. We called the company and their reply was that they do not have me on record. Our problem is we do not have a title for it. I have no numbers to call in order to find out what is going on. We would like the title, so that we can sell the motorcycle.

I have paid insurance from 1978 until now. I filed a claim for cancer, sent all records from doctor and hospital pathology report and every paper they ask for that I have. I called Conseco five times. Each time, the reply is claim stopped. I am waiting on paperwork as soon as I, the victim, send in the right papers or more papers. The claim will be restarted, a stall tactic. I paid like I should for all the years now. Conseco lets their end drop. This insurance policy was sold through the Missouri National Guard in 1978 to several troops. I hope Conseco doesn't cheat them like they have me.

I have been a customer with Conseco Health Insurance since September 2008 and I just recently filed my first claim with them on April 17 and 19, 2009 and have not received any compensation but for only one. They are outside of their time frame of deliverance on my second claim due to the fact that it was an oversight.

So, they said that I filed another claim for an incident that occurred on March 15, 2010 and have not received any information on, whether it has been approved, denied or requesting additional information. I have been very patient because I can understand one's mistakes but multiple mistakes has caused an inconvenience on me and my family.

My policy is paid up until October 1, 2010 and I am a value customer who is not receiving the service I have paid for. So please help me receive the necessary service I have paid for.

I have bills that are late and they promise to render service while I am out of work. The stress from this inconvenience is proving to be even more of a delay for me to return back to work. If they cannot provide the service I paid for, then they are false advertising and is in violation.

My parents and I received a visit from two gentlemen who represent Conseco Insurance. The only way I identified whom they were was the tiny print on the jacket of one of them was wearing. They refused to give their names or the purpose of their visit. I was busy at the time and they said they would call again, to set up another time and they agreed, yet they appeared in person later in the day. At that time when questioned, they became rather rude and insisted on coming back in the morning. We have also had a neighbor upset by their visit as well. I am totally disgusted by them and even further more alarmed at the numerous complaints about the insurance company and the shady practices.

I received in the mail a notice of "Grace Period" for my husband's policy that isn't even due until the end of the month of April 2010. I called to find out why there was a difference in the amount due on 4/28/10. I was told that after 20 or so years, there was no cash value left in this account and it was costing them $327.50 a month to do whatever they do with a life insurance policy and that any cash value was now gone and I would have to start paying double the amount I have been paying.

I found out that the agent who set this up went to jail for insurance fraud. They still are trying to send him information on us, even though he is out of business. I don't even know where to turn, but something is not right here. We had this policy since Philadelphia Life owned the company. Should we all be looking at a class action suit against Conseco Life Insurance Company? Why would they wait until there was no cash value left in the policy to alert me to this?

I took out a whole life policy back in 1972 with another company that has since been bought out by Conseco. We discovered that after faithfully making our premium payments all of these years that when Conseco bought the original company, it reset our policy value at zero. We tried to cancel the policy a year ago but I recently noticed that they have continued to auto-debit my bank account each month for the past year. The current cash surrender value of the policy is around $350. After paying premiums for 38 years and trying in vain to cancel the policy, it is only worth $350!? Is this legally justifiable. Please help if you can.

I received a phone call from Conseco rep Sylvia W., 2 weeks ago on a Sunday evening. She arranged an appointment at my home for Feb. 9 to review my policy. She did not come and has not responded to 2 telephone messages that I left. I am concerned that something may be terribly wrong with her personally and I am hoping that there is a good reason for this seeming lack of professional responsibility. After viewing other complaints against the company on the web, I am also concerned about my policy. I have had this policy a very long time and am thankful that I have never needed to file a claim. Please respond to these concerns.

While reviewing my checking account for January 2010, I noticed that my automatic insurance withdrawal for Jan. had not been taken out, so I called Conseco to see what the problem was. I was told that my insurance had lapse. I was told that I was sent two (2) notices in November 2009 for loan value greater than cash value and owed more. I never received these notices. However, they had no problems taking the December 2009 payment without, say, a notice that this would be the last payment due to lapse.

I told the rep. that I have had my insurance since 1985 and had not missed a payment, so, if indeed they sent a notice, why wasn't it sent certified. I also told her that I'm sure I wouldn't have miss a second notice. I also wanted her to tell me why I owed more. She gave me one answer and after arguing the point she came back with another answer completely different. Conseco sent a reinstatement application that requires a medical review before reinstating an insurance that should not have been dropped. I will not authorize my medical records to be reviewed and I want my insurance reinstated.

I purchased my $ 50,000 policy in 1985 for $26.46/month at age 37 and now that I am 61, I no longer have the insurance that I have been paying for on time for all these years at not fault of mine. This is a total rip off and I would like something done about this. It's unlawful with what these insurance companies are getting away with.

Today, I received a "Flexible Premium Adjustable Life Lapse Notice" stating that the payment necessary to keep my life insurance in force has not been made, so they have terminated as of October 28, 2009. I don't understand how this is possible, since the payment that was to make should have been made in December.

Again, this policy was already paid for, but now, they were saying I had a negative balance. When did this happen? And how did this happen? I have paid for this policy for many years, and now, I have a negative balance. I have paid close to $35,000 into this policy. How can I have a negative balance? I want my money back!

At this point in time I am a frustrated and a very angry policyholder. Someone needs to call me to make an appointment with me personally to discuss where I stand with Conseco Life Insurance. For many years I have been a loyal and punctual customer of yours. Now is the time for me to enjoy my life and instead I am facing the possibility of having my policy cancelled through no fault of my own.

Mr. Juan M. C. is my agent who lives in San Antonio, Texas yet I live in Laredo, Texas. The only time that I met him was when he was named my agent. Mr original agent Mr. R. had moved from Laredo. Once I did so I never heard from him again. Is this standard procedure with all of [their] agents? I have received several letters from your company regarding aforementioned policy. Among them a form Request to Surrender for Net Cash Value yet you do not mention what the cash value is.

When this policy was changed to the current plan, your agent, Mr. C. had phoned me asking if I was available since he was driving from San Antonio, Texas, specifically to visit with me at the company's request since the policy had to be changed to another plan. Obviously, this was the first fleecing and now you are requesting more money to keep the policy in force. This second fleecing has cost me in excess of $35,000.00 in premiums.

Considering [their] agent's conduct, I will seek the advice of the State Board of Insurance and/or an attorney to give me some guidance prior to signing any more documents. It is hard to fathom from your report of 2007 where there was in excess of $4,000.00 in cash value up the present date. Could it be that my age was a factor?

I regret that all the correspondence I receive from [them] does not have a single person's name or a signature. I can only assume these are all form letters where the addressee's name is fed into the printer, printed, and mailed out. Again, this just proves to me a lack of professionalism on [their] part. I have had numerous conversations with Gail in regards to other options that are available to me and I have yet to receive a response from her or anyone else for that matter.

I am asking [them] to consider refunding to me a major portion of the premiums that I have paid out to Conseco Life Insurance over the years, with this and the prior policy. If I don't pay a certain amount by December 28, 2009 my insurance will be dropped. I have paid over $35,000 over the life of the insurance and now they say I have a negative balance on the insurance policy. ha

Conseco in not honoring the Cancer Insurance Policy purchased for my mother in law. We have requested a copy of the policy TWICE this past year since the passing of my Mother in law. This has not been supplied. We have sent every item requested by Conseco for the process of the Cancer Insurance claim. Proof has been given for processing of claim: original claimants Proof of Death claim form, a signed release to Conseco for release of any information for any needed information to process this claim, copy of death certificate, copy of insurance card, Patient referral form (to diagnose the cancer), medical care detailed information, pathology report,ambulance service details, Mortuary billing, and 1500 claim forms (the required form to process).

Every item requested has been sent, some as much as two and three times. Conseco will say that all the information has been received to process, then another letter comes in the mail requesting more information.

My mother in law passed away Oct 25, 2008. Claim was submitted to Conseco on December 3, 2008. No response came from Conseco at all. It appears that they received and sat on the claim.

When months and months went by, my Father in law and Sister in law tried to get some answers from Conseco. They just kept getting the run around. I agreed to help my father in law try to get his affairs in order, bills needed paid. I contacted Conseco several times to find out what information was needed. Conseco did not contact any of the medical facilities for information, even though we were required to supply them with a release of information form.

The responsibility has been placed on us to research the information and forward it on to Conseco. We have done this, TIME and TIME again. Though it seems that even the requested information that has been supplied, is not sufficient for the processing of this claim. Conceso seems to be avoiding payment of claim in any way that they can. So after being told that they had the information needed, and then again sending out another letter, well it's the last straw.

Now Conseco requests a statment from the doctor on his letterhead giving the type surgery. When the pathology report was sent, also included was the doctor notes from the days my mother in law was in the hospital. This has drug on long enough. Her affairs and bills need to be taken care of. And my father in law needs to have some peace of mind getting this settled. We have had not had any trouble with any of our other insurance companies getting things finalized.

There are medical bills needing paid. The air ambulance bill alone is 41,125.00, and they want to be paid. With his fixed income, he can only do what he can do. My father in law has had one heart attack, and he has complained of pains in his chest. I do not want to lose him too. Conseco will not supply a copy of the policy, and continued letters and delay in payment have caused much stress on the family. There is no reason this should have been drug out for over a year. This insurance was paid for, all the premiums were paid. Now Conseco needs to honor their insurance policy.

Conseco claims they did not receive my payment, nor have I received a letter indicating that my account was cancelled. It was during my attempt to balance my check book that I noticed the check had not been processed. I attempted to call Conseco to discuss the matter and was told to resubmit the check and complete reinstatement paperwork to continue policy. This was done and the check submitted was cashed by Conseco.

I now receive a letter that my request for reinstatement was denied because my request was beyond the period for consideration, even though they accepted my payment and cashed it. I tried to explain that prior to my contact to Conseco, nothing was received from the company indicating my policy was cancelled.

This feels like "Fraud" to me. I know what I submitted and when. This is why I do not like submitting payments through the mail, because then they can say pretty much what they want on its receipt. To this date, I still have not received my first check back through returned mail or anything. I used their envelope when I mailed the payment. I feel so betrayed. I will lose a policy of an enormous value, especially since I have carried this policy since 1999.

My house is not able to be sold because Conseco has a lien placed on the property. I am just waiting to be foreclosed on or the house sold, but I need this information from Conseco about my debt i owe to them.

Conseco made an unauthorized withdrawal from our bank account. This was after we sent a check of three hundred plus for a suspension of plan. After we paid for the continuation, they again took out another $178 plus. We spoke to several people who could not explain what it was for. We finally got a hold of Gail ** who passed us on to the specialist because she could not understand why they would do such a thing. Specialist Toni ** agreed with Gail and assured us a refund would be issued to our account within 2 to 5 working days. That was told to us in mid June. We are now in July and we have not yet received our refund. To me, they are not keeping their verbal agreement and with the unauthorized withdrawal, I should call them something else.

Conseco was notified on May 5, 2009 of my father's passing the day before and asked to stop the automatic draft of premiums from his and my mother's bank account. They failed to comply, extracted more funds from their account and now can't seem to get it together and return these funds and unearned premiums to my mother. This once again illustrates the insurance behemoth as the "organized crime". It is and is allowed to be. Conseco owes $1,310.60 to my mother for the drafted funds plus 13 days of unearned premium. For the thousands of dollars in premiums and claims never paid on, I'm sure we'll never see a dime. If a class action suit is ever filed against Conseco, I want to be the first to testify to their overt disregard for their policy holders and intentional design to defraud every way they can.

Said request to expedite issuing surrender value of monther's insurance policy was sent to "Expediter Department" but had no further information, said it would take 3 to 5 business day, same story given on 4/27/09 and several times since but no response. My mother is due to be released from hospital to long term care which is paramount to her health, but cannot qualify for Medicaide until this issue is resolved. Surrender value is approx. $2,400, max allowed by Medicaide is $2,000. Need help conviencing Conseco to expedite check.

December 3, 2008: I mailed a Request to Surrender for Net Cash Value form provided by Conseco.I requested my cash value in the policy at that time. Jan. 27, 2009: I called to see if my paperwork had been received and was told by a representative that I must also include a letter stating that I had received the letter from Comseco dated Dec. 19, 2008.

When Conseco received my second letter along with the surrender form they could then process my claim. I mailed this letter on the above date. Feb. 26,2009: I again called to inquire about the status of my request. I was told they were looking into it and yes, they confirmed all my paperwork was complete. March 9,2009: another call requesting return of my funds. More excuses with I'm sorry and I understand your frustration. I was also mentioned at this time that there was a 20 day time period in which my funds were to be released to me according to law.

April 13, 2009: another call and I get the same runaround. I get to talk to the manager again, Patrick. He assures me he will personally look into the matter and call me back by Wed. the 15th or Thurs. the 16th. He told me that a check had been cut previously, but before it was mailed out, someone saw an error in the calculations and now another check had to be prepared.

April 17,2009: I have not received a call from Patrick as promised, so I again call and jump through the hoops with no resolution to the request. I am again told Patrick will call me back today because he is currently on another call. *My husband had a policy with the same company, taken out at the same time as mine. We mailed in our surrender forms and the additional letter in the same envelopes. He received his surrender check then end of February/first week of March.

I have been forced to delay some much needed repairs to my home and am extremely frustrated and agitated with the lack of customer service. What is my recourse? I feel totally at their mercy and wonder if my beneficiaries would ever have received the death benefit from this policy had I died?

Re; Cancer Poicy Husband diaagnosed with Stage 3 Lung Cancer in 10/07. Was hospitalized with breathing problems, etc. several times between diagnosis and his death in 7/08. Have had terrible time trying to receive the reimbursement for benefits since his death. It seems everything I obtain from the medical facilities, doctors, ambulance authority, etc. is not what they will accept.

I have contacted these facilities many times and they cannot understand why they will not accept these verifications of diagnosis, hospital stay, ambulance trips, etc. I have had this policy for about 20 years and expect to receive reimbursement for these expenses. Conseco Health Insurance Company should be investigated by the WV Attorney General's Office. Conseco has caused ezxxtreme stress on myself and children by failing to accept the information I have submitted. I believe that Conseco's policy is to cause as much hardship on grieving families in hopes that they will not have to pay out benefits which the family of a cancer patient is entitled to receive.

Conseco has caused extreme stress on myself and family by not accepting the volume of medical information submitted on my deceased husband due to his lung cancer. This is also causing the medical facilities, etc. to question the insurance company as they have submitted ample documentation of hospital/doctor's fees.

i have a whole life policy that i paid on for over 20 years. i recently sent in a form to cancel and cash out. i called and they told me i should receive my check within 20 work days. i have called numerous times and its always being processed. its going on 3 months now.

i made a personal loan for 45 days and expected to pay this off with my check. i now have to make another loan to pay this off.

I submited all the documentation needed to complet a death claim With Conseco. From the begining there was no dispute from the companny regarding the date of birth of the insured decedant. Up untill reccently the company has informed me that the date of birth on the death certificate differs from that of whats listed on thire file with Conseco. A matter of seven years with the same month and day. Since it is seven years earlyer the value of the policy went from $ 35,868.00 down to $ 16701.00 . No were near half.

Conseco has cased me such suffering during this time of morning and has made my life difficult . In regards to obtaining what has rightfully been put into action by the passing of my friend. The company has made it impossible to speek to anyone else besides that of the call center, and the information they provide is vaeg. Conseco has betryaed my trust.

Had an account in 2002 paid off, would like them to remove and delete from credit file, as this account is old and should be off my credit profile. disputing to credit bureaus... thank you

We purchased a trailer in 2001 and repeatedly had problems including a promise to lower the interest rate as well as damage caused by installers. Our paperwork was not signed by retailer and after numerous attempts to straighten out the problems we ask that they come get the trailer. The trailer was picked up and resold. We later found out that a repossession mark was placed on our credit as involuntary.

We were never notified legally of repossession and our credit still shows the full amount of the loan. After two years of trying to get involuntary changed to voluntary and request of proof of notification and how much the trailer was resold for we don't know what else to do.

In July of 2007 I called have my LifeTrend policy rolled over into a 403(b) retirement account through Pension Planners (Sacramento, CA). My agent at Pension Planners submitted the Letter of Acceptance to Conseco Life. They contacted me that I needed to first formally change my name on the policy since I had remarried. I filled out their paperwork and they changed the name. I called and asked about the roll over. Their response was that I needed to fill out and sign another paper, and also have my husband sign and then return the policy. I filled out the paperwork, had my husband sign and sent it and the policy back to them.

Approximately 3 months later I contacted my agent at Pension Planners and he informed he he had not received any correspondence or check from Conseco. I informed him that I had their acknowledgment of a change of name of policy holder. He submitted a second letter of acceptance. There was still no response from Conseco. In March of 2008 I was offered early retirement and requested to have my 403(b) from Pension Planners and the life policy from Conseco Life both rolled over into my California State Teachers Retirement System (STRS) account. These additional amounts of monies would increase my retirement benefit for life. The accounts receivable agent, Ron Wilmore, at STRS sent a letter of acceptance to Pension Planners and also one to Conseco (dated 4/21/2008). The money from Pension Planners was received at CalSTRS approximately 2 weeks later. Nothing was received from Conseco.

I called Conseco and was told that to end an account they needed to do an audit and that these "final" audits had to be done by hand. I was also told there was only 1 person that did these audits and it would take 3-4 weeks. I called again on 5/52008 and spoke with a man named Jeff. He verified all the paperwork was in order and he would take care of it. Still nothing from Conseco to STRS. I called on 5/20/2008 and again spoke with Jeff. He said he had sent it to Admin. on 5/5/2008 after we had talked. He said he would talk to a supervisor about it and call me back. I did not receive a call back.

I called Conseco again on 5/28/2008. There was no Jeff, but I spoke with Danica who said that they needed an absolute designation form from Pension Planners. I told her that the request from Pension Planners was old and this new request was from CalSTRS. She said they did NOT receive a letter of acceptance. I called Ron W. and he submitted a second request dated 5/28/2008. In June I retired and started receiving my retirement pay minus the amount from Conseco. Ron Wilmore said that he could keep the account open for 6 months since they had just received the second copy. In July I started the process of moving from California to Idaho. I called Ron W. to check on the Conseco matter. He called Conseco on July 15, 2008 and then called me. He had been told that they would expedite the request and call him back in 2 days. There was no call back and further calls produced similar responses.

On 8/28/2008 Ron W. was able to set up a 3 way telephone conference with me, himself, and a Conseco supervisor named Melanie. I told her my frustrations and what I had been through for a year and Ron explained his efforts in this matter. She said she wanted a copy of his signature designation form AND a new letter of acceptance. She was told that this would be the THIRD letter of acceptance. She said the others were "stale dated" and that was why she needed the new one. Both Ron and I asked her if this was all that was needed and that the request would be honored. She replied yes.

Nothing further was heard from Conseco and CalSTRS did not receive a check for my account. I received a package of information with a letter dated 10/7/2008 from Conseco. Monthly expense charges were going up AND upon their further review there was "shortfall" of $6,981.50 in premiums (an amount very close to what I was expecting to roll over into STRS) This policy , I was told had been "paid up" about 5 years before and no payments had been made NOR requested. The premium payments had been automatically withdrawn from my paycheck, pre-taxed. When I was told the policy was paid up (I paid for premiums for 5 years) the withdrawals stopped.

The letter stated that I needed to pay that amount ($6,981.50) by January 5, 2009 or the policy would be placed in Nonforfeiture. I completed my move to Idaho. I received a letter from Conseco dated 12/19/2008 to temporarily ignore previous correspondence from them. I had difficulties with my new residence and was not able to call Conseco again until 01/15/2009. The woman I spoke to (did not get the name) pulled up my file after hearing my story of trying to close/end the life policy with Conseco. She told me all I had to do was have CalSTRS submit a letter of acceptance. I had to really "bite my tongue" when she said that. I told her that several had been sent and nothing had been done on the part of Conseco to honor my requests for almost 2 years. She had nothing else to offer, but that she needed a new letter of acceptance. I told her my time was up with CalSTRS on adding to my retirement account and now I just wanted the policy cancelled and the Conseco account closed. She took my new address, but I'm afraid I will never receive anything from Conseco to end this.

On or about September 2007, I took over payment of my fathers insurance to help out my sister who had been making payments since 1995. The payment was set up to be taken out of my account automatically, but one of the payment in March did not go through because of an unauthorized transactions with my bank. I was then advised by one of the representative that an invoice will be mailed to me since the automatic payment did not go through. I sent a check payment on or about April 2008 via mail, which covered the March payment. I was again advised that I will be receiving an invoice every month and to mail my payment with the invoice. I did not receive any invoices.

My father then told me that he had a couple of letters he received from Conseco, which he did not open. On or around May 2008, he gave me the unopened letters regarding his lapsed coverage. I then called Conseco and requested a reinstatement form per customer services advice. This was a simple misunderstanding. My father has been insured with Conseco since 1995. Conseco then asked me to request to submit the reinstatement in December. When I did, Conseco did not approve the reinstatement. I wasn't sure why I had to wait until December to apply for reinstatement. We could have taken care of it 2 mos after my dad's insurance lapsed. Please advise.

I obtained a whole life policy from Mass. Life Ins.12 years ago and paid a great deal of money. Mass. Life Ins. was brought by Conseco Life Insurance. This policy has reached a point where it can no longer be maintained under optional premium payment provision.I should not have to pay on this policy, however they want 5,000 dollars by Jan 4, 2009 or the policy will be placed in nonforfeiture. I have been given limited information on the new laws and not enough time to figure out the solution.

5,000 dollars is a great deal of money to invest in a company that has used my money and now wants me to send more.

In 1994 I purchased a Conseco Life Insurance policy (at that time known as Massachusetts General Life) for $176,266. Since then, I have paid $20,000 on the policy. Beginning in 2001 I was told that the policy would pay for itself on the interest accumulated. In October 2008 I received a letter from Conseco saying that Due to administration issues related to my policy?, I have not been informed that my policy is under funded?. They further state that additional premiums are required. They informed me that my policy is underfunded by $7,400 and that I must pay them in 60 days in order for my policy to continue in the manner agreed upon in 1994. In addition, I must begin making premium payments beginning in January of 2009 in the amount of $99.60 per month for the rest of my life in order for this policy to remain in effect.

Extreme financial hardship meeting unexpected demands that this company has now made which were not part of the policy I agreed to in 1994

I purchased life insurance in 1978 from Conseco (then Philadelphia Life Insurance Company) for myself and my family, through my employer. On October 30, 2008, I received information by mail from Conseco that my policies no longer meet the OPPP requirements and were Under Funded. The amount need to meet the shortfall of these policies is about $7500. I have 60 days to pay this amount. I am in no position to pay this amount or replace these policies. I am 69 years of age and retired. I have no other life insurance and buying insurance at my present age may not be feasible. Any help regarding this situation will be highly appreciated.

I purchased a whole life policy for $100,000 from Conseco (then Massachusetts General) in January, 1997, through my employer, Dekalb County School System. I paid $10,000 in premiums over the next five years. I was told I would not have to pay further premiums. I have now received notice from Conseco saying that in order to keep my policy active, I need to pay $11,684.50. Evidently, my premiums have been paid under the Optional Premium Payment Provision (OPPP) in which premiums are paid from an accumulation account.

Conseco states that my policy no longer meets the OPPP requirments and is Under Funded, even though there is supposedly $10,139.89 in my accumulation account. According to the Policyholder Services department, I have two options: pay the shortfall of $ll,684.50 OR pay a flexible monthly payment of $87.24 for the rest of my life under a Non-Forfeiture provision. They say I have not been previously informed that my policy is Under Funded and that additional premiums are due because of administration issues related to my policy. Therefore this whole thing is a big shock to me. I have sixty days to make the shortfall payment.

I am now 62 years of age and retired. As I have watched my retirement savings dwindle in this unstable economy, I am in no position to come up with $11,000 on such short notice. I have no other life insurance and buying now at my current age would probably not be feasible. Plus, this sounds like a scam to me. It just doesn't make total sense. Any help or clarification regarding this situation would be greatly appreciated.

Have been trying for several weeks to resolve 3 cancer insurance claims. These claims are for my deceased sister-in-law and I am assisting her spouse (82 years old )in the processing. They are constantly requesting additional info and once you submit the info you don't hear from them again. They have only paid approximately one third of the amount that is due. Is there anyone at the Executive level that I can request assistance in resolving this problem. Conseco claims department personnel are not helpful at all. I really don't understand how this company can stay in business operating in this manner.

The beneficary (spouse) is so aggrevated with this problem, he is ready to give up and let them treat him as they do other elderly people. I think they have taken advantage of him and will not pay what is due.

Have been trying for over two months to resolve an insurance claim. Every time I ask for additional assistance I get someone who apologizes then I hit a brickwall when trying to escalate my inquiries to a higher authority

Do you know ANYONE in the executive level who I could contact who would be interested in hearing my story?

I took out Cancer Insurance with Conseco through the high school at which I was teaching. After paying a monthly payment for 20 years, and upon my retirement in 2006, I met with Joel Fry who told me that I would be entitled to a check since I was ending my employment at Clearview High School in Ohio and moving to Fort Lauderdale, Florida. He took my new address and I never heard from him OR anyone from Conseco.

Last winter I tried to contact Conseco to ask about the monies due to me but they told me that I had missed 2 or 3 payments. (I retired and moved in June, but the monthly payment continued being withdrawn from paychecks throughout August). They NEVER changed my mailing address to Florida, and I had not received any mail.

This company made the mistake of NOT changing my mailing address and I am ENTITLED to the premiums that I paid to them for 20 years. They claim that I missed two (or 3) payments of which I was NOT aware because I never received any mailing.

I should be receiving a check for the amount paid

I have written to Kansas Ins. Dept. Sandy Praeger's office since 2003 and they say they can't do anything about the rate increases. I think it is discrimination because they passed a law in 2003 saying that they can only raise rates on people who had policies before the 2003 law was passed. and a lot of other reteric. The company asked for 25 % and they only allowed them 15% and on and on. I found the state of Iowa said, Enough is Enough, they are not getting any more increases through in the state of Iowa. Do you know anyone who can help m? I don't want to give up my policy I have had for 12 years, but I can pay the increases.

I cannot contact anyone. I need a copy of the title to my previous loan with Greentree/Conseco.

It was paid off in 2004 and now the Tax Assessors said the title was never filed. All I need is a copy or to speak to someone who can assist me.

Hi! I have already put my complaint in. I was wondering how I could find it online. What would it be under. What email address. I put it in almost a week ago about Conseco Life Insurance always saying they didn't get the payment. Then trying to scam you into paying two payments at a time. When your bank is telling you they have received the first ones. Then they do an audit on you and then it starts all over again. You have to prove each month that you paid your premium. It didn't start until my mother-in-law was 83 years old. No problems before.

I don't know what to do! I am sure they probably would love for me to cancel. I am my mother-in-laws Guardian. I take care of everything. I feel when she passes away all the money she has put into this Conseco life ins. that we won't get it at the end to have enough to have a funeral. So I just want to know how to find my first complaint. What is the email address? I tryed consummeraffair.com and I can't find what I am suppose to go under. Please let me know soon. Thanks!

Alot of damage to my self esteem. I want to go there and walk into the office and scream at them.

I have had problems since last Oct. They kept saying they did not receive my check. Each month after kept saying same thing. I kept going to my bank and getting a copy and sendig it to them. They finally did a audit from Oct.-Feb. 2008. Spoke to the head of the company and we got it all straightened out. I even got a letter saying Your policy is now paid to March 10, 2008. O.K.

Today April 10, 2008 I received a letter saying I owe $311.86. I have made a payment March 1 and April 1, 2008 for 155.93 dollars. This company does not know what its doing. The last time I talked to a different person every time I got a different answer. But that was all taken care of after the audit. I am fine what they said until March 10, 2008. Why am I now getting another problem with this company saying I owe them $311.86. For what?

I sent a check on march 1 and April 1 for 155.93 each time. I should be in the clear and getting a bill at the end of the month for payment due on May 10,2008. I have the proof letter from the Premium Administration Department that I was paid up to March 10 when they did the audit before. I am very ****** that I am having trouble with this company again. They are saying they didn't get my march payment. Then they said they didn't get my Feb. of 2008 payment. That was already in the audit that got already figured out. What is there problem.

I am 84 years old. Do they want me to cancel. I don't think so. I will get a lawyer I have all the proof. They keep coming up with something to bother me about. I had no problems for a year and a half. I am on Medicaid Title 19, Medicare, Social Security. Do they want to mess with a 84 year old lady in court. I have a legal guardian that can defend me. I always pay my bill on time.

In 1988, I borrow $7800 from my Tax Sheltered Annuity to purchase my home. I began to re-pay myself in 1993. Since then I have paid in over $8000. I cannot get Conseco to give me a transaction history of the loan repayment. All I ever get is an account audit, which shows that I paid X amount of dollars on such and such a date. It never shows me what the current balance of my loan is. I have talked to service reps, I've written letters, and I have even tried to take the financial beating with regards to to taxes by trying to withdraw the surrender amount; yet I get no satisfaction. I keep paying every quarter and the surrender value keeps getting smaller.

I feel that I am being taken by Conseco as it was my money to start with and clearly they are gaining monetarily at my expense.

My parents bought long term nursing home insurance in 1991. My father became ill and was placed in a nursing home in February of this year. Medicare paid the first 100 days and Conseco was supposed to pay us $70.00 a day after that point. I have mailed them over 100 documents including bills, claim forms, doctor and nursing notes, etc. and they still have not paid the total amount due. Every time I call they tell me I need more paperwork. They still owe us over $2000.00.

My mother is 82 years old. She would have never been able to compile all the information needed to process her claim. My father passed away on 9-6-07 and not only does she have to deal with losing her husband of 60 years but also deal with the mounting bills. I am power of attorney for my parents and have been trying to collect from this company since 7-07.

My mother put a claim in for her LTC insurance for November (her start month). Conseco said they cut a check for Nov and Dec LTC insurance on January 17, 2007. We never recieved it. I called two weeks after it was cut and was told I have to wait one month before they will put a stop payment on it and reissue the check. I called on February 16 and had them proceed to stop payment and reissue. They then told me it would take UP TO ANOTHER 30 business days to stop payment and reissue. When asked why, the answer I recieved was we are a large corporating and these things take time.

I called every week to see where they were in the reprocessing of the check and the answer was it is still in process and we have up to 30 business days to process. On the 30th business day, March 27, 2007 (2 1/2 months after the original check was cut) I called to find out where the check was and the answer it, it's still in process, at which I told them it was the 30th business day and all I've heard for the past 6 weeks was we have up to 30 business days to process and now you haven't even started processing?? And then the answer was, It's in Escalation and they now have 10 days. I called today (after 5 days) and still in process.

I will call everyday for the next 5 days and if necessary, I will get on a plane and go sit in their lobby until I get a check or I will get a lawyer. Would I ever consider this company for my insurance needs - no way.

I have had to take a personal loan out to cover my mothers assisted living costs because they cannot get me the money they owe us.

We have a heart and stroke policy. My husband passed away on January 29, 2006 from a massive stroke. I sent Conseco the death certificate, which stated that the cause of death was end stage cerebroovascular disease. ( I not sure that is spelled right, I can't read the doctor's writing.) They wrote asking for an itemized hospital bill on the hospital's letterhead, a doctors bill on the doctor's letterhead. They sent a HIPAA authorization for me to sign so they could obtain the information from the hospital and doctors (which I returned). I received another letter stating that I need my husband's signature.

They have the death certificate. My husband passed away 6 months ago and I still do not have any compensation for a policy that we have paid on for over 25 years.