Colonial Life & Accident Insurance Co.

I started a policy with Colonial Life at the end of last year. I pay them every week, relieved to have some sort of safety net for my five kids. That all changed this last month. After having sustained a major injury at the beginning of June, completely severing my hamstring from my pelvis requiring screw reattachment, I have changed my mind. Though I have received partial payment, I'm still waiting on six weeks of payment, pending when they receive information. Problem being, that they've "not received" at least 5 faxes from both my employer and physician.

I was put into contact with a representative for this company through my employer. They would not stop arguing that they were 100% better than my existing health plan and that I will almost certainly be left for dead if I did not sign up with them then and there. Absolutely abhorrent behavior, using fear tactics to make a profit on a social necessity. They hung up abruptly when I mentioned I did already have healthcare covering all my needs for the 5th time, without explaining any of the other benefits they had. The lady I spoke with was so annoying and bent on feeding me ** "I've been in healthcare for 20 years. You are wrong". This middleman industry needs to die.

Absolutely the WORST experience you will ever receive if you utilize Colonial Accident supplemental insurance. Customer Service & transparency with this company is a joke. After being a 30 yr customer unfortunately the situation arose where I sustained serious injury & had to rely on payment from my supplemental plan. Each month I had to contact Customer Support and have a shouting match to track down my payment. The original anticipated date for my return to work was met but extended due to complications pending additional surgery. The information was immediately faxed to Colonial (twice) since they conveniently lost the original after leaving the Surgeon’s Office. Now here I am with no explanation of why there is a lapse in my payments other than it takes 8 business days to process a claim for the exact same injury I am still recovering from.

What a shock when I called Colonial Penn in September 2020 to examine their $9.95 guaranteed acceptance life insurance. What I didn't know is the call "for FREE information" is treated as an "electronic application" and my 30-day "no-risk" money-back guarantee is an illusion. To be brief: I reviewed the $9.95 policy and another policy and returned all materials within 24 hours asking for my refunds. They did not respond. I disputed the charges immediately and, after making multiple calls I filed a complaint to the Ohio Dept. of Insurance after which all monies were returned to my credit card. I was relieved. My nightmare was over--or, so I thought.

DO NOT BUY- BEWARE!!! My father purchased life insurance over 10 years ago, has well paid in close to 10,000 - yesterday he gets a letter saying to keep his policy the premium will go up - get this- $75 MORE than what he has been paying. And if he cancels, he will only get a little under $900 back. So they made a profit off $9100 off my dad. Sad how these companies take advantage of our elderly people!! SHAME!

I see so many negative reviews that I wanted to share my personal experience. Unlike others, I had a great experience. I turned in my claim a week before I had surgery. I gave all the info they requested on the form. They provided me daily updates via phone/email/text. They paid my claim 6 days after my surgery and paid the short term disability for a month out. It could not have been easier. I think most people get frustrated because they don't read/understand the fine print about pre-existing conditions, fill out the paperwork entirely, and wait until the last minute to submit their claim. I could not be happier with my claim and service. Thank you Colonial Life!

I spoke with a representative about trying to get pregnant and he informed me that I would receive coverage as long as I wasn't knowingly pregnant before my coverage began in January 2020. I had my first confirmed ultrasound and dr appointment on January 24th, 2020. ALSO he told me that I would receive $1,500 for hospital confinement if it was over 24 hours.

Colonial Supplemental Life is filled with people who care about people; especially Marlene **. Marlene ** treated me with great care and respect; My previous agent Robert ** was like family to me before he passed away. I not only have a life insurance policy but I also have an emergency monetary source if I should ever need it.

Pay premiums for years then when you're off for just three months because of an accident they have all these forms to be filled out over and over by you, your Dr. and employer which gets sent to all different people at each place and takes each time to complete and by the time you're on the third month the first finally gets through. Then the others are en route to be filled out again, just many hoops to jump through. Even the Dr's. Office commented on the hoops and paperwork involved from this company. I’m still unsure if I’ll ever get paid.

Bought universal life in 1992 for my husband. The agent did not tell me that when my husband reached age 80, the premium would jump so high it was not affordable. Nowhere in the policy can anyone understand this practice either. Do not purchase from these people. The policy is not even worth 200.00 dollars now. God should have his wrath on them.