CNO Financial Group Long Term Care Insurance
CNO Financial Group Long Term Care Insurance
Overall Satisfaction Rating
  • 5 stars
  • 4 stars
  • 3 stars
  • 2 stars
  • 1 stars
Based on 77 reviews that contain star ratingsSHOW RATING DISTRIBUTION

CNO Financial Group Long Term Care Insurance

ConsumerAffairs Unaccredited Brand

This company is not yet accredited. To learn more, see reviews below or submit your own. Want to know more about ConsumerAffairs accredited brands? Check out ConsumerAffairs for Brands.

Be in the know

Get trending consumer news and recalls


Keep an eye on your inbox, the lastest consumer news is on it's way!

129 CNO Financial Group Long Term Care Insurance Consumer Reviews and Complaints

Filter by: Any
Original review: Jan. 24, 2017

If anyone mentions this name do NOT do business with them. My grandfather purchased a policy for my dad in the 40s with Lamar Life. In 2016 they sold to Conseco. When my dad passed away in November I contacted them about his policy. It took a while for them to locate it but said they would get paperwork out In about a week. Since I still have not received paperwork I called back to inquire. I am now told they cannot locate the policy and the lady I spoke with previously 'just told me she located it' when she really had not.

I asked to speak with a supervisor and was told my question was not an approved for a supervisor because there was no account. I held on the phone for 43 minutes insisting to speak with someone about the transfer of accounts from Lamar Life and continued to be told no. I will be reporting them to the BBB as well as contacting the insurance commissioner. I have the policy and receipt for every payment on it. I will drive to their office in Nashville if necessary. Sad they can take advantage of people like my mother who needs the money.

View more
19 people found this review helpful
Original review: Dec. 28, 2016

I have had life insurance with Conseco for more than 15 yrs. My received a notice in mail that my insurance has lapsed. After having several conversation with individuals over the phone, no one could not tell me why I did not get any notice in mail that my policy had lapsed. They kept telling me that I will get something in the mail. I call on several occasion and finally I got a letter in mail telling I need to make a payment in November 2016 and then again in Feb 2017. I sent the Nov. 2016 payment via mail and a week later, I got another letter telling me that I need to pay for reinstatement fees well over a thousand dollar and that I need to make this payment in a few days. I call and I got some lady on the phone telling me that it's my fault that I let it lapse and that nothing can be done and that if I don't pay then I can forget about the 15 yrs that I put into this policy.

I was furious and ask to speak with a supervisor. She advised me that there is no one for me to speak to and that she can have a supervisor call me back. Here is it, I still have not received that callback from a supervisor. I wonder if anyone can tell me what recourse can be taken as I am thinking that this company did this deliberately so that their customer would have lapsed policy in an event to save the company money. Can someone please help me?

View more
21 people found this review helpful
Not sure how to choose?

Get expert buying tips about Long Term Care Insurance delivered to your inbox.

Thank you, you have successfully subscribed to our newsletter!Enjoy reading our tips and recommendations.
We value your privacy. Unsubscribe easily.
Verified Reviewer
Original review: Nov. 9, 2016

For almost 1 year no one at this company can tell me why our policy lapsed. I've called almost every month since January and still can't get any answers. They tell me I need to fill out a form and that they have mailed it out - but we never receive it. They say a manager/supervisor will call me in 24 hours - it's been 10 days, no call back. Everyone has a different story to tell and no one can ever give me a straight answer. So the policy we had for over 40 years, may be lapsed and if my father passes away, no insurance payment because this company can't get it straight! THEY SUCK!

11 people found this review helpful
Verified Reviewer
Original review: Oct. 12, 2016

For about 30 years, I have been paying my premiums on my life policy by debits to my Bank account that has not changed on all that time. Conseco and now the Company they have named to serve their policies ALLIANCE-ONE SERVICES, INC. have stop taking the premiums without any notice at all or without any reason for the last 3 months.

I have called several times and nobody knows what is the reason for this, nor gives you any information on the whereabouts of your policy, refusing to pass to a supervisor or manager, having you on hold for hours at the time and inclusive saying once, "they do not have such policy". I have sent certified letters requesting reasons for non pulling moneys from Bank, I have sent a cashier check (they have cashed it) for the 2 months and one extra month and till today, I have no response of any sort. We are going to take legal actions on this matter and notify the Insurance Commissioner of the State of Florida as well as all the authorities that have something to do with this matter.

View more
17 people found this review helpful
Original review: Sept. 28, 2016

The worst company ever. For over a year I have been trying to get my policy reinstated. I had mailed off a payment that should have be received before the due date. The letter came back to me as a wrong address. I then took that envelope and wrote a letter letting them know what had happened. They canceled my policy but said I could write a letter to get it reinstated. I wrote another check for the next year bill and sent a letter asking for my policy to be reinstated. They deposited the checks but I heard nothing back.

I get a letter in the mail saying my policy cannot be reinstated and they sent me a refund check. The representative for our area no longer worked for the company but a new guy happen to be going around in our neighborhood so we talked to him. He wanted to start us out with a new policy. We had already paid 13,000 into the account they gave us a check for $5,000 and then they think we should start a new policy. Crazy. No way. I got so tired of writing letters and dealing with them that I gave up and took the money and am glad I will never have to deal with them again.

View more
12 people found this review helpful
How do I know I can trust these reviews about CNO Financial Group ?
  • 1,145,834 reviews on ConsumerAffairs are verified.
  • We require contact information to ensure our reviewers are real.
  • We use intelligent software that helps us maintain the integrity of reviews.
  • Our moderators read all reviews to verify quality and helpfulness.

For more information about reviews on please visit our FAQ.

Verified Reviewer
Original review: May 20, 2016

((CAUTION)) I had a policy for about 35 years now. Was 46--(now 69). These people are trying to cancel my policy. They tried-(non payment). I have all payments on account. Now trying to say that I missed a raise payment. Now they have me jumping through hoops--Insurance Commissioner. These people are the worst!!! I have complaint in. I have been recording all phone calls--(legal in Louisiana) (no mention of extra payment! Now going to a Attorney. (They have been changed to (Insurance Services). Beware these people.

20 people found this review helpful
Verified Buyer
Original review: May 8, 2016

My insurance policy is classified as surrendered. I initially requested a full surrender until I got information telling me that I could have a partial surrender and not lose my policy. A check was sent to me for $7106.68 but I sent it back because I changed mind about full surrender. After going through all the proper channels I was finally sent a check again under a partial surrender. Then I sent a monthly payment of $118.83. Then I didn't receive any more correspondence so I called Conseco and was treated in an abusive manner by one of the management people there. Angel was her name.

I called back and the lady that took care of my case Jamie, who I spoke to the other day told me not to worry about it that my policy was still intact but that was not the case just received letter saying policy was surrendered 2-1-2016. These guys have put me through a great deal of stress and don't know what to do now and I am asking for you to investigate this if possible. Thank you.

View more
20 people found this review helpful
Original review: March 4, 2016

CONSECO INS., BANKERS, COLONIAL PENN, WASHINGTON NATIONAL. Caveat Emptor: Beware of these companies. In 1998 I purchased two Life Insurance Policies (Universal Life) one for myself and one for my wife. The original company was Massachusetts General who later sold the policy to CONSECO. I have to date invested about $45,000 in premiums. I received a letter this week informing me that my premiums starting this month are going to almost triple. I called the company and was informed basically my options were to continue the policies at the new rate or take the cash values and surrender the policies. Or to not pay the increase and let the cash values of the policies pay until they are depleted which at the current projections will be sooner than later.

So now at 74 years of age I will probably have no life insurance and probably cannot afford the premiums. They claim this is due to unexpected claims and increasing costs as well as lower income projections from interest. So bottom line is they mismanaged their and my money and now they want me to suffer the loss. I have sent this information to the Delaware Insurance Office and probably will have no recourse. My goal is to make everyone on Facebook aware of this so that they hopefully will not do any business with these companies and suffer the financial loss.

View more
35 people found this review helpful
profile pic of the author
Verified Reviewer Verified Buyer
Original review: Aug. 20, 2015

Salesman stated to me the premium will be returned in 20 years or at age 75 on Certificate Anniversary date after turning 75. 75 on June 19, 2015. Certificate date July 1, 2002. Will not pay back until 2016. Many calls and told it is based on 14 years or when 76. First time I have heard about 14 years. Literature and Certificate Schedule state WHEN YOU REACH 75!!! Appears as if they want to use my money for another year or figure I will die before I get to 76.

27 people found this review helpful
Verified Reviewer
Original review: Aug. 8, 2015

As with many other consumers we have had a difficult time with this company. It is amazing to see how often insurance companies apparently are able to defraud and or bilk, trick and cancel policies that members have had for many years. In 1995 we received a notice that suggested that a new policy would be a better policy, so not realizing that this company had just been taken over by Conseco, we made the error of trusting the agent, which did know what was happening and either lied or misled us into taking this policy. In later years they began to go up on the policy amount, but they did not tell us this, not even in a letter. They just took it out of the policy value until there was nothing left. Then they sent us a letter saying the policy would cancel if additional funds were not deposited right away. We later found that this company has a history of problematic encounters.

We went to the insurance commissioner who investigated this company and found some surprising things. We’re not sure what the result of the investigation was however a change occurred and we think that this is something that was negotiated. Today we checked with this company and found that they again stopped taking bank drafts two months ago, so again we’re about to go to the mat with this company. It is a shame and there is a special place in hell for these people that run this company.

It appears that they up the price on the policy take the cash value from your policy which results in cancellation. Why? Easy. They don't have to pay the interest on the value of the policy if they raise the price. Many can't afford to pay it. What is really sad here is that we have officials in Washington that will not do a thing to help out people that are being victimized by this company and others just like it. They would rather go and deal with a politically correct situation rather than to do the right thing and investigate the board of directors of this company.

View more
50 people found this review helpful
Verified Reviewer Verified Buyer
Original review: Aug. 6, 2015

My parents both had a policy they started in 1975 with Transport Life which is now being handled by Conseco. My mother passed July 10th. I called and asked that paperwork be sent to me so I could file the claim. I called again on July 20th and was told it was mailed out and I should get it any day. I called again on Aug. 7th and was told by the same person (Beth) that they were having trouble finding the beneficiary information in the file. I told her I was looking at the file and told her who the beneficiary was and was told my papers would be mailed out to me...The same papers that I was told were already mailed out to me. I looked online and found the claim forms. Both of my parents have been paying on these policies since 1975 and the payments are current. After seeing all the complaints I think it's going to be hard to get our 50,000 from them.

52 people found this review helpful
Original review: Aug. 5, 2015

I opened a TSA in 1998 with Greater American Insurance co., who was sold to Conseco/Washington National Insurance Company, who refuse to allow me to rollover my investment into another IRA. They have been holding my money captive all these years and each time I meet the criteria to release the funds, they give more hoops to jump through before they will release the funds. They are a hideous company and the national insurance commissioner should be looking into them, especially with this many people being unfairly treated.

34 people found this review helpful
Original review: July 29, 2015

I've been paying for accidental and disability insurance with Washington National, both for several years, through my work. I'm a part-time waitress. I was told I would receive my short-term disability claim for my maternity leave. I recently found out that I would not be receiving any money like my agent told me, because I don't average 20 hours a week. I don't even qualify to get any of these benefits. They have literally been stealing 46 dollars a month from me for many years! And they have no intention of righting the situation with reimbursement. Shameful. I should have never been sold this policy. I gave them 1 star because I had to rate them. They deserve zero.

40 people found this review helpful
Original review: July 15, 2015

My father paid premiums to this company for over 20 years. He overlooked a payment due in September of 2014. I discovered the payment had been missed on November 3 and mailed it in to the company. They returned the check saying that the policy had already been cancelled and my father would not receive any of his premiums back. From the other reviews I have read on this company that seems to be how they operate. I am not at all sure that cancelling my father's policy was done legally. In any case, they should be ashamed of themselves. The payment was due September 20, I paid it on November 3 only to be told it had already been cancelled and they could not accept payment. Seems a little underhanded to me!!! Considering they never had to pay one claim over 20 years!!!!!!!

36 people found this review helpful
Original review: May 5, 2015

I have had the cancer/emergency room insurance policy for twenty years (in June) with automatic withdrawal every month from same account. I was told and I confirm with company that if said policy was not used I would after twenty years be returned the amount I had paid for premiums. Today, May 4, I received a letter that I was three months behind on monthly premiums and if not paid by April 30, the same day the letter was dated that my policy would cancel. The only month not taken from my checking account was for April and that's on the insurance company. My twenty years are almost up so I guess this is their way of not having to pay the amount that was stated to be returned. Is there any way to rectify this? I am really upset with this so called company.

47 people found this review helpful
Original review: May 4, 2015

Years ago, Conseco sold cancer policies to employees at our school with a mammogram benefit. It stated: "This benefit reimburses you actual charges of the mammogram." This benefit is what helped sell these policies. It was icing on the cake! A week ago, we all received a letter that states Washington National will no longer reimburse the full charge for mammograms. I emailed our sales person asking how the company can revoke a benefit that sold these policies.

He replied: "...the mammogram benefit is actually not a part of the cancer policy; it was a State Mandate that came into effect in 1999, which is why we had to pay it. The State Mandate was revised in 2010, which recused supplemental carriers from covering mammograms, only requiring Major Medical insurance (Blue Cross/Blue Shield, for example) to pay for them. So, even though by virtue of the revised State Mandate we are no longer required to reimburse the cost of a mammogram, all current cancer policy holders will be reimbursed $100 per year, even though there is no out of pocket expense. (New cancer policyholders don't get that.)" What a bunch of hooey!

View more
32 people found this review helpful
Verified Buyer
Original review: April 8, 2015

The Conseco agent came to our school in March 1995 and sold cancer policies. He stated that, if no claims were made, at the end of twenty years, we would receive $20,000. This, as you can imagine, sounded pretty good. I should have thought, "too good". Eighteen years passed. I retired. Looked at that sum being taken from my bank account each month and thought, "I should check on this". Called Conseco/Washington National to inquire if the above statement was true and still in effect. The agent with whom I spoke said that indeed it was. He also said I would not receive the entire amount all at once but would have access to the funds as I needed them. "$20,000?", I asked. "Yes." So, for the next two years I continued making the payments.

March 2015 arrived. I received a Benefit Now Account statement along with a checkbook for that account, for a total of about $8000. I called, was transferred around. Finally reached someone who said she was sorry for what I was told in 1995 (though she did not seem surprised) but I only received return of premiums. So, yeah, I'm a bit ticked off at myself for being so gullible, I'm ticked off with the folks who work for Conseco/Washington National, and ticked off with the agent who led me on two years ago. These people should be run out of town. Actually out of the country. On a rail. With their lies tarred and feathered to them.

View more
55 people found this review helpful
Original review: Feb. 24, 2015

I have had an annuity policy with Conseco Insurance since 1997. Beginning in August of 2014 I called Conseco Life Insurance Company and asked what I had to do to get my net surrender. I was told no problem, complete a certain form and submit it. Needless to say, February 2015, I am still dealing with this company, through a call center in Jamaica, and each time someone tells me something else I have to do. I would never recommend this company to anyone.

49 people found this review helpful
Original review: Feb. 22, 2015

My wife's granddad took out a policy with Vulcan life and Accident Insurance Company who sold out to Conseco Life. She has now pass away, and now they can't find the policy. It's been three months, have not heard nothing about my claim, need help. Thank You!

26 people found this review helpful
Verified Reviewer
Original review: Feb. 18, 2015

I had a new agent take over my account. He made some adjustments to my account and now I get a $510 unauthorized withdraw from my bank. This is not even on my scheduled monthly premium date of $140 amount. I am on the line today to cancel everything these guys are doing. High turnover among reps. A terrible company.

34 people found this review helpful
Verified Reviewer
Original review: Dec. 30, 2014

We have been paying on this life insurance for over 14 years. When I looked today to determine our accumulated value on this policy, I was amazed that it is decreasing due to their rising insurance rates! They are pulling out of our savings to pay for their rises in cost! With only $1,600 left, we will be closing out this account pronto. We were never made aware of this situation by the company. Let the buyer beware!

49 people found this review helpful
Verified Reviewer
Original review: Dec. 26, 2014

Through my place of employment I was contacted and bought a policy over 10 years ago. I have misplaced my policy but I am definitely trying to locate it. I never would have bought a policy and pay 20 bi-weekly to cover only if I were in an accident. I would not knowingly pay $20 a month for accident insurance for the small monetary amounts you get. In the past year I have spoken with another agent at my workplace and he discussed with me the coverage I have and the benefit amounts. It included dollars paid for days in the hospital and emergency room visits. Now I am being told that I only have coverage if I am in an accident and that I must have the policy another 5 years to get my return on premium payments. Therefore I must keep this insurance another 5 years so I will not lose 15+ years of payments.

23 people found this review helpful
Verified Reviewer
Original review: Dec. 12, 2014

I have always paid my insurance premiums. I started in the 1960's with one insurance co. This co. evolved to Philadelphia Life which evolved to Conseco. I have paid my premiums for 50 years. Then, this started a few years ago. Every month Conseco started raising my rates and threatening to cancel my life insurance if I did not abide to their rate increase. I have tried speaking with their representatives on the phone and they don't care about helping me solve this. I can no longer afford their rate hike. They now want close to $300 a month for something I have been paying for 50 years. This is a $50,000 life insurance. I am retired and could no longer afford this. They have forced me out. If you are contemplating getting insurance from them, please, don't do it. They are thieves.

60 people found this review helpful
Original review: Dec. 3, 2014

I pay Conseco online through my bank and none of my payments to any company have ever been returned for any reason. For some reason, unknown to my bank (major bank), some payments (not all) started being returned only from Conseco. I knew of only one and I thought someone just made an error so I resubmitted the payment and it was accepted. This week, I received a cancellation of my 29-year Dread Disease policy! My bank says that the problem is on Conseco's end. I have faxed bank records, etc. and am told that I still need to show proof. If I am cancelled, I hope to join a class action lawsuit against this company!

55 people found this review helpful
Verified Reviewer Verified Buyer
Original review: Nov. 18, 2014

Having trouble with company that has taken over. My policy has matured as of October 31, 2014. But they still taking out premium in November. When I called tonight they are telling me that I had sent them a short payment of $10.00 in March of 2001. And I owe them two more payments. I have had no paperwork in many years of this, and or on my accounting of my premium total. How the heck does a company do this to people. Not accountable at all, now have to wait 72 hours to get something in mail.

27 people found this review helpful
Verified Reviewer
Original review: Oct. 27, 2014

My nearly 94 year old father has had a $40,000 life insurance policy with Conseco for over twenty years. He has paid in premiums very nearly the value of the policy. He never missed a monthly payment and has the cancelled checks to prove it. A month ago he received a letter from Conseco stating his policy had been cancelled two months previously for nonpayment. No prior warnings - nothing. After contacting our state insurance commissioner and going back and forth with Conseco, he finally received a letter today advising his policy has been reinstated. I wonder how many other elderly folks insured with this company have a similar experience. It is lucky my dad still has his wits about him and realized what this company was trying to do. I feel an investigation of exploitation of the elderly is in order and plan on filing complaints with other agencies.

73 people found this review helpful
Verified Reviewer Verified Buyer
Original review: Oct. 21, 2014

I submitted a claim for a blood transfusion at Boca Raton Hospital for policy ** for a leukemia condition. The form from the hospital is very clear the cost of the blood and transfusion was $1026. The company refuses to pay saying transfusions are not covered. Nowhere in my cancer policy are transfusions excluded. However, there is a blood plasma benefit of $450 for all cancers and for leukemia there is no limit. All I want is the $1016 that I am entitled to.

27 people found this review helpful
Verified Reviewer Verified Buyer
Original review: Oct. 7, 2014

I called and asked about the increase in our policies, talked with at least 4 people, one yelled at me. I told them we were old, on a fixed budget and could not pay any higher payments. They offered me the option of surrendering our policies, which I did. They will only refund us $6,000. +/- and they are keeping $31,000. +/- which I feel is very unfair. They have earned money through the years and keeping that amount of money is unreal. I have contacted a lawyer for financial advise only. Now, I am afraid if I sign the release papers, I will not be able to get the money I have invested with this company.

40 people found this review helpful
Verified Reviewer
Original review: Aug. 30, 2014

I was offered a less expensive Washington National policy by an agent. He told me it was as good as my Aflac policy and it would cost me less. Be careful. The saying you get what you pay for is true. You might as well burn the money you spend. I work with my hands in a small dental practice. I had the misfortune of getting my hand crushed in a log splitter. Right hand no less. Because I was not totally disabled, I could still use my non dominant had, I was denied. Out of work for 8 weeks and the only thing I got was $250.00 for breaking a finger. Can't do my job but that doesn't count. Run if anyone offers you this insurance.

26 people found this review helpful
profile pic of the author
Verified Reviewer
Original review: April 4, 2014

We purchased the cancer policy in 1995. My husband was diagnosed with cancer and the payout was next to nothing. If you read what they pay in the 2-page policy I received, you will see they pay virtually nothing by today's standards. I requested a copy of the policy for the accident insurance we have and they want $25.00 for a copy. I am going to contact the State insurance commission and see what they say about that. I did do the math following my husband's cancer and after the payments they made to us plus the cash value of the policy (which they did not want to tell me). We decided to cancel and cut our losses (which were quite minimal) rather than continue to pay the large premiums and question if they would really refund the money or we would be alive when the policy reached pay back status. You may want to push a pencil on this and see if it is in your best interest to do this.

57 people found this review helpful

CNO Financial Group Long Term Care Insurance Company Information

Company Name:
CNO Financial Group

Make the best choice, every time

Join our community to stay up-to-date with the latest reviews, recall notices, and brand recommendations. Our community members are happier with their purchases than consumers who didn’t research before buying. To see why, sign up below!


Keep an eye on your inbox, the latest consumer news is on its way!

ConsumerAffairs Solutions for Business

Let's talk

Follow us

ConsumerAffairs ranks 562 on Inc. 5000 for 2017

At ConsumerAffairs we love to hear from both consumers and brands; please never hesitate to Contact Us.

At ConsumerAffairs we take privacy seriously, please refer to our Privacy Policy to learn more about how we keep you protected.

You’re responsible for yourself and please remember that your use of this site constitutes acceptance of our Terms of Use.

Advertisements on this site are placed and controlled by outside advertising networks. does not evaluate or endorse the products and services advertised. See the FAQ for more information.

The information on our website is general in nature and is not intended as a substitute for competent legal advice. makes no representation as to the accuracy of the information herein provided and assumes no liability for any damages or loss arising from the use thereof.

Copyright © 2018 Consumers Unified LLC. All Rights Reserved. The contents of this site may not be republished, reprinted, rewritten or recirculated without written permission.