Complain about a product or service

Guarantee Trust Life Insurance Co.

Paul of Wyandotte MI writes (6/17/02):
In Oct 31, 2000 we purchase a Jeep and took out disability insurance Acct # ZT52227. My husband had be sick in the past and we advised the sales person and he said that as long as if he should get sick again and it wasn't the illness the insurance would take into effect. Well in Januany of this year my husband did get sick again, we went to the car dealers in Woodhaven and he advised us that we had no Insurance. I knew that we took out the insurance because my concern was about his other illness. So I found the Insurance paper and sent in all the Medical forms showing that it was not the same illness and below is what the letter stated Damage Resulting RE: Claim # Y200940 Certificate # ZT52227 Dear Mr. Grivas: We have concluded our investigation on your claim. A review of te facts obtained will not allow us to provide benefits as caimed due to the following reasons: The premium and certificate number ZT52227 was not reported to Guarantee Trust Life Insurance Co.. A review of your lease agreeement reveals that no charges were added to your loan for crediti life or crerdit disability coverage: therfore no coverage is in force. If the premium had been charge to your loan and the funds and certificate reported to Guarantee Trust Life Ins Co. the gross charges for the premium would have been refunded. The reason for this is due to your medical ineligiblity tp purhcase the coverage. The history of heart, circulatory and brain abnormalities during the five year period asked on the applications, along with the fact your were total disable and not working on 10031--2000 voided your eligiblitiy to purchase the coverage. One my husband was not total Disable, two I have a cerificate signed. Its not the idea that we were turned down we were never notified and the dealer never turned in the insurance for us and all this time we thought we had insurance. I'm the only one right now working trying to make ends meet and I have 4 bother-in-laws that work for chryslers and we all drive chryslers. I feel that something should be done about this had I been notified I could of made other arrangements Thank You for your time