Hartford Life Insurance

I was abused by Hartford. My husband had a variable life insurance policy for nearly 20 years with automatic payment from our checking account. I received a letter one month stating a cash value low and that we needed to up the payment--they could not say to what amount. We were told to send a blank check, which we did not do. Next month, they lapsed the policy. So now, we don't have any life insurance. We filed a complaint with state insurance commissioner's office but they sided with Hartford.

My mother passed away due to an accidental overdose on a prescription that she was given. Now Hartford is asking for information that I am unable to obtain because I was not on my mothers accounts.

My brother passed away on February 2007 as a result of falling down his basement steps and sustaining fatal injury. The autopsy reported that he had an "adverse reaction" to drugs and that was what caused him to fall down his steps. It was the fall that killed him but because there were drugs in his system, Hartford told me that my claim was denied because they don't cover instances where drugs were the cause of death.

My brother was in a serious motor vehicle accident a year prior and was prescribed narcotics for slipped discs in his spine as a result of that accident. Hartford group told me to get a copy of his medical records from that accident, which I did and sent to them. They still denied my claim. I had to pay for my brother's cremation and funeral service out of pocket. He paid every month for years to that insurance policy and nothing.

I have contacted a lawyer but that has gotten me nowhere. I have been fighting for my brother's insurance policy since his death and it has caused me nothing but heartache and stress. I can't believe they can get away with denying peoples' claims. Nobody is investigating these situations, in which, people were denied what was rightfully theirs.

I am a Chrysler Corp. Retiree. A portion of my monthly pension amount is sent to me by the Hartford Life Insurance Co. I received a letter from them stating that there had been changes to the AZ (where I reside) income tax withholding rates. They sent me a form A-4P to complete which would indicate how much state tax I wanted withheld. The letter gave a phone number to call and the hours when annuity service specialists would answer questions. I called the number and the woman did not know what I was talking about. I read her the number and she said "It was wrong. Who signed the letter?" I told her, "Diane **, Assistant VP - Individual Annuity Operations". Was I sure? Yes, I was sure. "Well, let me transfer you to somewhere else".

Fine. I got transferred and went to the same drill. I was told they don't provide tax advice. I explained that I was not seeking tax advice. You sent me a form, I have a question on the completion of your form. Please let me speak to Diane **, she signed the letter. I was told that she does not accept any phone calls. What the ** am I to do? "We don't give tax advice" was the answer. I told the young woman that this reminded me of a Bob Newhart skit (needless to say, she had never heard of Newhart). I hung up.

I called the Benefit Department of Chrysler in Auburn Hills, MI. I explained the situation to them and they would call Hartford and get this settled. They did call and I explained again what my question was. The reply: "We don't give tax advice". Look, it's about checking a box. This box or that box? That's all I want to know. The total AZ tax was a lousy $480. Do I check the max box and then indicate the few additional dollars to reach the $480? That's all I want to know.

The (now) ex-wife of the decedent was named as beneficiary to decedent's policy. Decedent's death (on Oct. 15, 2009) was the result of aspiration pneumonia complicated by prescription drug toxicity.

The Hartford Insurance Company took Richard's money (every month) for 14 years and has taken our money for 23 years but refuses to pay the claim, stating that his death falls under the suicide exclusion. His prescribing doctors, medical examiners/ autopsy reports, Justice of the Peace all state under oath, that it was an accident, and not suicide. The examining doctor personally telephoned the Hartford and the Texas Department of Insurance to explain to them exactly why this was an accident and was not a suicide. They still will not pay.

The Texas Dept of Insurance is supposed to ally with the consumers, not the insurance companies. However, that is not the case. I filed a complaint with TDI nearly 4 months ago, and they have done nothing! TDI claims that Hartford is "doing everything right" even though the (Hartford) policy states that they must pay the claim within 30 days. I did not want to hire an attorney and have to pay them 40% of the benefit amount just to get the money that was already due his family (with 2 children).

However, it has been more than a year and everybody (except for Hartford) has lost from this insurance company's egregious act of hateful and selfish unconcern. We have had to cover airfare expenses to have the body flown back to Dallas, Tx., all burial expenses, all bills and the children are without their father. But Hartford has done nothing to assist the family in any way. Nothing!

I will post this inhumane and hateful act of Hartford's on every website for as long as I live! And I will talk to everyone I meet, and I will tell them the same. I will nail flyers to telephone poles and tape them to grocery store windows. I will write letters to my congressman and the legislators and I will pray for strength to get up everyday and do it again and again. They picked on the wrong person,this time. I don't quit!

I was on LTD with Hartford for 12 years when they decided to video tape me, sent an interviewer who interviewed me for three hours and then to an IME. I didn't do anything wrong and they terminated me. They took the word on an IME who examined me for less than two hours over two of my doctors who had cared for me for the past 20 years.

My mother was insured for accidental death through her bank. She was in a car accident in 2008 which resulted in neck injuries which required her to have surgery which then caused nerve damage in her fingers. She had to receive a series of 3 nerve-blocking shots. On her second shot, the doctor at Mercy Hospital Western Hill missed the target which caused her to seize and then put her into a stroke then to brain death. We tried to fight the hospital but they planned ahead and sent her body to Dayton, Ohio for an autopsy? We were told that Cincinnati was full.

The autopsy was executed so poorly that nothing could be proved. We then sent in the claim for my father for her accidental death and we have been denied. We are being told that this was not death related to injury? We will be seeking counsel that this company is just ripping off consumers. They also continued to take premiums from my father's account for 2 years after her death. They said that he did not notify them though he tried for almost a year to get a response and could not. That is when I became involved. This is absurd.

My father was killed in 2006, since then we have not received the insurance claim. After multiple attempts, no contact has been made. We received a letter reply a while ago but we still do not have the insurance claim. I took it upon myself to boycott/protest the company online and with over 600,000 people who read my story within 24 hours. Within 24 hours of people bashing the company's Facebook and Twitter pages.

The Hartford finally emailed me requesting the policy information. I sent the information and they alerted me that they have received the information. Now I ask them for updates and receive none. I will continue writing daily blogs on my website until the insurance claim is paid to my family. We lost our 4-bedroom house and now live in a 2-bedroom Harlem apartment. We lost two trucks and now drive a very old Toyota Camry with over 100,000 miles on it. We lost my father's apartment along with all the belongings. My mother's credit is now destroyed, she is trying her best to fix it and build her life up with or without the insurance claim but I will not stop until we receive what's rightfully ours.

I had a Hartford Life Insurance Policy for over nine years that was automatically paid each month through my bank. In 2008, I withdrew some of its value and lowered the monthly payments to just maintain the policy. I was told at that time my premiums would increase a little each year. In Feb. of 2009, Hartford didn't take the automatic payment and lapsed my policy saying they had sent me a notice on Sept.14, 2008 that my policy would lapse unless I sent an additional $1207 by Feb. 2009. I never received any such letter from Hartford and they took monthly premiums through Jan. 2009 and then in Feb '09, they lapsed my policy taking substantial surrender charges.

My policy is gone. I've worked on this problem all year disputing and providing additional proof that they acted wrongly in terminating my policy. I have no power against Hartford. The company monitors itself and no outside examinations are ever done on my behalf. I am 73 and have no policy now to provide for my husband and family when I die. I had planned carefully and never missed or made a late payment. There is a direct element of 'elder' abuse here in the fine details and I am just out everything with Hartford.

I am 73 and now without any life insurance to provide for my husband and family if I die. Additionally, I am now a Type 2 diabetic, so I wouldn't pass a health exam for a new policy. Payments were never missed or late yet Hartford claims a letter of notification was sent to me. I have every statement/notice they ever sent me for over nine years and that particular notice seems to be mysterously missing. I claim they never sent it and I have wasted all that money in premiums for all those years plus the surrender charges. It is just outright abuse for which I have no resources. Hartford does what it wants without regard for its clients. I need a contingency based lawer located in the area of San Diego, El Cajon or La Mesa, California, 91941.

Update, since the last complaint I have been accused of many thing by Hartford, living with men, owning a business, having personal relationships with the doctors, are a few. They were amazed i could not remember what I bought on their surveillance tape in 2003, well excuse me for having slept, it is a cardinal sin to be in wal mart for over an hour, and one must never wash a window. or purchase a potted plant.

The doctor they used to decide with out ever seeing me who stated she was a licensed doctor was in fact not one. they stated they had sent me a letter apologizing for this oversight, They never did so. I would have demanded my money then and there.

They now want to settle for a lump sum amount for the rest of my life,even though the policy does not allow for this, why is it they think they can re write it any time they want to. as if I can live off of $25,000, for the rest of my life, let us not be so generous here. That will not even pay the law suits for the credit card bills. they simply never cease to amaze me how low they can sink. I am however beginning to like being followed around, I laugh now when they trip and fall trying to peek in my windows and gain access to my deck, I laugh when they fall up my stairs, I know if anyone tries to rob me they will likely have it on tape.

It seems to me it would be cheaper on them to simply pay the people the owe, then to hire all of these people to try and terrorize them into dropping the law suits. I think it would be cheaper in the long run. as for myself, the more the mess with me, the more determined i am to have my day in court, they cannot hurt me any more than they already have.

bottom line is the ones Hartford life has wronged are not alone, why don't the government step in and bail us out instead of them.

I am the executrix of an estate for an elderly friend who passed away May 6,2008. I contacted the Hartford in june of 2008 and they sent a check in the correct amount, however it was not made out to the estate of deceases person so I contacted them and at their request I sent Death cert. and copy of my appointment and they said they would rewrite the check in the correct name and I would recieve it soon.

Sure I wrote and called several times later only to have them say it was sent on sept 12th 2009 which I did not recieve so again I contacted them the said it probably was lost in the mail. They claim to have rewrote the check again and sent it again. Well it has been 10 days and still no check.

My town is very small, every one at the post office knows our family for years they know that piece of mail never came through and they knew I was waiting for the 2nd one to arrive so my carrier was looking for it also after I said the Hartford said they must have lost both checks not likely since all of my other important mail has never been lost including a check sent from N.Y. Life ins. co. No Problem with their check.

Please advise Me. they are starting to be very cranky now when i call them. I just want the check not anything else especially lies about the check. thanks for listening

She called The Hartford insurance company immediately on Sept 5, 2009 to cancel the policy, and had to threaten to call the Florida Attorney General before the person on the other end (a man named "Tony" who refused to provide his last name) finally agreed to cancel the policy. This "Tony" also informed my wife that he could not replace the money already charged against our account until after September 10, 2009, so she will have to make a second call next week to try and get our money back.

The Hartford insurance company could not have perpetrated this scam without the knowledge and cooperation of Regions Bank. My wife and I are 59. Seems they are targeting senior citizens with this scam. I hope civil or criminal remedies are available to protect others from this scam. I don't see how this can possibly be legal, given the timing of the mailing and delivery dates of the notice and the date the money was deducted from our bank account.

Here's the situation: RegionsBank offers $1k free life insurance through The Hartford - sign and return the form to register for the free policy. On the form, between the "here's your free insurance" and the authorizing signature at the bottom, are a bunch of options to *purchase* additional insurance. My wife signed the form and sent it back to RegionsBank. She did not check off any of the purchase options. She did not keep a copy of the form she submitted.

The timing is highly suspicious: (a) A letter of notice dated Wednesday, August 26, 2009 without a postmark to indicate actual mailing date or mailing location. (b) The Hartford agent is located in Nashville, TN, and knew or should have known that it would not be reasonable to expect delivery of notice, and therefore of the option to cancel, prior to the following Tuesday, September 1, 2009, the day our checking account was charged.

(c) The mailing was timed to arrive on the Saturday of a three day holiday weekend, with Monday a bank holiday. (d) A charge against our checking account was made the morning of Tuesday, September 1, 2009, six calendar days and three business days following the date of the letter, and an unknown number of days but something less than three business days from the probable time of mailing.

(e) Delivery of the notice letter the following Saturday (Sept 5, 2009), five calendar days and four business days following the account charge on Sept 1, 2009. (f) The hard sell tactics of The Hartford's customer service person in attempting to convince my wife not to cancel the policy. (g) The charge to our checking account could not have been made by The Hartford unless RegionsBank provided our checking account number, since my wife has never, and never would, provide that information voluntarily.

I suspect that individuals at RegionsBank in collusion with individuals at The Hartford intended to perpetrate a scam. I would argue that the timing establishes the intent circumstantially, and coupled with the other facts in this matter, the available evidence, if proven in court, would constitute criminal violations of federal statutes. If they snagged 1,000 customers, the collective dollar value of the unathorized charges would definitely get the attention of the US Attorney's Office.

Illegal $25 debit charge to my checking account made without our knowledge or consent. Had we not noticed this and canceled the policy immediately, the deductions would have continued for the duration of the policy. I would be happy to join a class action law suit or give a deposition to law enforcement.

I opened a checkings account with regions bank in memphis tennessee and in the mail i recieved a $1000.00 life and accident insurance policy from the regions bank on me at no cost to me from hartford life and accident insurance company. upon signing the contract for the #1000.00 insurnxe policy that i accepted several months later i recieved a letter from hartford insurance company askig me if i wanted to increase my insurnce amount to $50.000.00 for some accidental and dismemberment insurance

i did not turn the policy in but several months later regions bank gave the hartford insurance company the okay to go in my checking account and retrieve a payment of $24.75 without my knowledge or consent for a insurance policy i did not know exist until i found out who had went in my checkings account and got the money. now why would i sign up for some accident and dismemberment insurance when i am a homebound double above the knee amputee.

now in the case of my demise by natural causes my beneficiary want recieve a penny but im paying all this money on a worthless policy. if you ask me regions bank and this insurance company are doing some type of fraud against the peoples who have savings and checkings accounts with there firm. could you look into this matter and tell me what you think. i want my money back

My husband accidently shot himself last September, Ii was ruled a suicide because it was a contact wound. I had group life through my work, now there is some problem as to when I insured my husband, a measley $25,000.00 Suicide clause is for 24months. I started my insurance and all benefits 07/10/2006. I tried to changed my benefits in 11/06 which was open month. I tried to increase his life insurance and change from a PPO to and HMO. Nothing went through, except they say that is when I started hias life insurance, This has been going on now for six months.

I am broke have no job, because ofhis death and my attemmpted suicide. I am stressed have anxiety attacks, and am a mental wreck. This was a group life through my work. Somebody messed up and I am paying. Hartford conneticut claims has not given me any info except to argue I only had his life insurance for 22mths not 24mths

I filed a claim with hartford accidental death insurance regarding my mother when she fell in our home which eventually resulting in her death I have requested a copy of that policy over and over they made a payment of $10,000.00 to me that does not even put a dent in what I paid out. I appreciate that payment but i want to know what the policy states.Because I had to pay for cremation, services, plus medications and caregiving besides myself,etc.

Recently we had a devastating death in our family. When the union sent in the death certificate and other necessary paperwork for the claim, Hartford decided send only half of the policy proceeds along with a demand for the police report and autopsy report. I fully understand that half of the policy was accidental death coverage; however the death certificate that is completed by the doctor, in our case the coroner, states that the death was accidental, the cause of death, with no contributing alcohol or tobacco related causes.

The death certificate stated it all, instead Hartford required our family to provide more documentation, it cost us time and money to get this documentation, Hartford wanted us to beg while they poured salt in our wound.

Hartford solicited the union for their business. So now every time they submit a claim for a grieving family, they are going to scrutinize every document they send and then force the family to provide more.

Money will never bring back our loved one nor will it replace the hugs that his child will never receive from his daddy in this life. The life insurance funds are something that our loved one was able to leave to his child to provide for his needs and necessities.

Hartford's cruel practice of pouring salt into a broken heart is sickening to say the least.

My wife was in a one-car accident on March 8 2003. She was driving a long distance, and fell asleep behind the wheel. It is assumed she wasn't wearing a seatbelt, as she was ejected from the car and died from the injuries. Her passenger only sustained a minor head wound.

I phoned Hartford Life on the 20th of March, and I was directed to another department that handles the accidental death policies, who referred me to a company that handles the bank policies. They told me that I have to deal with the bank directly to get the claim forms.

The next day I went to the bank and at first I was given a story that I would need power over her estate, and some other kind of legal rights to obtain the insurance. I went to a lawyer who told me that is not so. I decided then to see what one of the other branch banks had to say, and the manager promptly got on the phone and contacted the insurance company called FSA (Financial Services Association).

They said they would mail the forms to the bank and to expect them in 10 business days. I waited, and went to the bank only to be told they didn't receive them. After dealing with this about six more times, not only was I getting frustrated but so was the bank manager who even asked they fax the papers. But FSC told them the wouldn't be 'legible'.

I decided then to contact the Texas Dept of Insurance (TDI) who must have got on them, because not only did I receive two copies of the claim forms, but got a call making sure I got them. I immediately went to the bank with the required documents for the claim and with the help of the bank manager filled the paperwork out and FEDEX'd it that day (this is now June).

Except for a request by their 'special risk' department for a copy of the toxicology report from the Medical Examiners office, I have not heard a thing from them. But the TDI wrote me saying that since FSA is located in Tennessee, that I would have to contact that state's insurance dept. for further assistance. I haven't done that yet, but I will if I don't hear from them soon.

Seems this whole thing has been nothing but avoidance and foot-dragging from the start, without even an apology. Hartford even went so far as to say the response to the TDI was that the complaint I filed was unfounded since I didn't file a claim. I wrote them and TDI back saying I couldn't because they never sent me a claim form to file initially, and that was my complaint to TDI. This insurance claim is for 10,000. I consider that a drop in the bucket and cannot understand why they don't just settle so I can get on with my life.

After still waiting for over 5 months for a settlement that from what I am told is taken care of in a matter of weeks normally, I counted on using that money for the costs involved with a loved one's passing away.

I am in the US Army, and I am also afraid that I won't be able to tend to this matter if the situation arises that I am ordered to deploy overseas. Something like that could really allow them to get the further delay in processing or even not paying out if I cannot be reached at my home address of phone. The undue stress of their actions and complete insensitivity to my situation is keeping me from making the army a career, as I am supposed to make a decision on re-enlisting in the next 2 weeks, so considering all of how this affects me, it affects me financially, physically, and emotionally.