Hartford Life Insurance

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carol of atkinson, NH October 10, 2009

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

Mark of Sarasota, FL September 7, 2009

On Saturday, Sept 5, 2009 - a holiday weekend- my wife received a notice letter from the Hartford insurance company dated August 26, 2009 informing her of a "policy" in force effective September 1, 2009 in her name with The Hartford insurance company (in partnership with Regions Bank), that she never asked for, nor enrolled for, and that became active without her knowledge. The first premium had already been deducted from our bank account on September 1, 2009 without her knowledge or permission.

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.

Dorothy of memphis, TN May 19, 2009

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

Jean of Richlands, NC March 22, 2009

Jean of Richlands NC (03/22/09)
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

Marcella of Pahrump, NV January 6, 2009

Marcella of Pahrump NV (01/06/09)
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.

S. of Jacksonville, AL September 18, 2008

S. of Jacksonville AL (09/18/08)
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.

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