CNO Financial Group Long Term Care Insurance Reviews

I signed up for 2 health insurance policies (Heart and Cancer plans) since 5/03/2000 by an agent who visited our local elementary school and solicited teachers, staff and school bus drivers. We were told and led to believe that if no claims were filed on these policies, they would be totally reimbursed (no interest) and could be a good way to save for college tuition for our young elementary children. I was assured that the policy was a 10-year plan that would mature and could be reimbursed for college. I would have never signed up for a 20-year plan as I never planned to drive a school bus for 20 years.

Payments were deducted and then returned stating that my policy was cancelled. Apparently, they sent a grace notice and I explained that I never received it. So they sent a reinstatement which I filled out. They stated that I could not reinstate my mother because she was sick. I explained that when I got the policy, my mother was in good health. Now they can't or will not reinstate the policy.

I took out an accidental policy in 1987, # **, and they can't find any record of that policy #. I just paid the premium on January 12, 2011 and have a copy of the cancelled check (front and back). This was a Beneficial Standard policy before Conseco bought them. So from all the complaints I have read about them, is there anything that can be done to put this company out of business? Thanks.

I receive, at least once a month, a loan default letter from Conseco on a loan I used to buy a primary residence in 1988 from a TSA. I made payments until 2006 and then payment notices stopped. All correspondence by Conseco stopped until in a letter dated May 2008, I was promised a new look to my payment notice. So, I thought I would be getting the same. I have never received a payment notice since then.

I initially started my annuity plan since 2001 while I was working with the school district. Since 2000, I have been trying to cancel this account and move my funds to another company. I have yet to be able to do so. My first big hurdle was to prove to them that I've never been married. Mind you, I have copies of the original documentation where it indicates I'm a single individual. This year, I vow to get aggressive and do whatever I want to get my funds out. They will not, no matter how many letters and phone calls I have provided, release my money.

Submitted claim on mother's life insurance policy. She passed away on 3 August. Was told needed all kinds of forms (Heirship form, executor statement/form). Washington State does not require probate for estates less than $100K and no real property. There was no will but I had durable power of attorney until her passing. I am her son and have submitted a claim with an Affidavit of Successor and my birth certificate. Called them again yesterday to determine status of claim and was told again that I needed to submit forms that do exist in the State of Washington.

About thirty years ago, my mother bought long-term care and home care insurance from Pioneer Life. That company was acquired by another company that was ultimately acquired by Conseco. At one point, they tried to cancel my mother's insurance for forgetting to make one payment. She has Alzheimer's. We had to fight hard to get the insurance re-instated. Now that my mother needs to start getting reimbursed for care, they put all kinds of obstacles in our place. They say the people working at the senior home where my mother is now, are not authorized home care providers so that we cannot get reimbursed for the money we pay the facility to make sure my mother gets her pills every day. We have paid premiums for 30 years and continue to pay yet, even though my mother is 86 they won't pay us anything.

My mother had two life insurance policies through Conseco. I am the beneficiary. When she passed in March of this year, we sent out all of the proper forms to Conseco. On May 6th I received two letters telling me that the two accounts had been processed and I would receive a "benefits now" package for each of the accounts in 7-10 business days. I received a letter and check for one of the accounts on the 22nd of July. I have contacted them 7-19, 8-5, 8-20, 8-23, 8-25 (2 times) and received a call back today 8-30, stating that they have not received any word that the account in question has been processed, which seems strange because that is basically what I have been told on the previous times I have called. I told them (the customer service representative) that I wanted that check in my hand by this Friday or all hell will break loose. I told her to tell her supervisor to get it done now.

Ii need to know what I have to do to file a claim about my husband? What number do I call? My policy now is considered a universal life when we purchased this policy in 9/15/1991. From enrollment to the present, Massachusetts Indemnity changed to Conseco. There is no phone number to call in the United States. These calls are routed to the Philippines. We did call this number over and over and never received a clear answer on anything. First, we would like a print-out for future use of the amount the family would receive in the year my husband dies. It seems like this policy was sold to us and we understood and was told it would remain at $250,000 for life and the premium would remain $80.57 We were never told the face value of the policy would change to a lower amount year by year and the premium would continue to rise as he got older. Could we get someone to respond to us regarding this?

In 2001, we bought a 2002 Honda motorcycle. In 2002, we filed Chapter 7 and the motorcycle was exempt from the claim. During that time, I believe another company bought out Conceco or the other way around (not sure). We tried to send payments for the motorcycle month after month. We called the company and their reply was that they do not have me on record. Our problem is we do not have a title for it. I have no numbers to call in order to find out what is going on. We would like the title, so that we can sell the motorcycle.

I have paid insurance from 1978 until now. I filed a claim for cancer, sent all records from doctor and hospital pathology report and every paper they ask for that I have. I called Conseco five times. Each time, the reply is claim stopped. I am waiting on paperwork as soon as I, the victim, send in the right papers or more papers. The claim will be restarted, a stall tactic. I paid like I should for all the years now. Conseco lets their end drop. This insurance policy was sold through the Missouri National Guard in 1978 to several troops. I hope Conseco doesn't cheat them like they have me.

I have been a customer with Conseco Health Insurance since September 2008 and I just recently filed my first claim with them on April 17 and 19, 2009 and have not received any compensation but for only one. They are outside of their time frame of deliverance on my second claim due to the fact that it was an oversight.

My parents and I received a visit from two gentlemen who represent Conseco Insurance. The only way I identified whom they were was the tiny print on the jacket of one of them was wearing. They refused to give their names or the purpose of their visit. I was busy at the time and they said they would call again, to set up another time and they agreed, yet they appeared in person later in the day. At that time when questioned, they became rather rude and insisted on coming back in the morning. We have also had a neighbor upset by their visit as well. I am totally disgusted by them and even further more alarmed at the numerous complaints about the insurance company and the shady practices.

I received in the mail a notice of "Grace Period" for my husband's policy that isn't even due until the end of the month of April 2010. I called to find out why there was a difference in the amount due on 4/28/10. I was told that after 20 or so years, there was no cash value left in this account and it was costing them $327.50 a month to do whatever they do with a life insurance policy and that any cash value was now gone and I would have to start paying double the amount I have been paying.

I took out a whole life policy back in 1972 with another company that has since been bought out by Conseco. We discovered that after faithfully making our premium payments all of these years that when Conseco bought the original company, it reset our policy value at zero. We tried to cancel the policy a year ago but I recently noticed that they have continued to auto-debit my bank account each month for the past year. The current cash surrender value of the policy is around $350. After paying premiums for 38 years and trying in vain to cancel the policy, it is only worth $350!? Is this legally justifiable. Please help if you can.

I received a phone call from Conseco rep Sylvia W., 2 weeks ago on a Sunday evening. She arranged an appointment at my home for Feb. 9 to review my policy. She did not come and has not responded to 2 telephone messages that I left. I am concerned that something may be terribly wrong with her personally and I am hoping that there is a good reason for this seeming lack of professional responsibility. After viewing other complaints against the company on the web, I am also concerned about my policy. I have had this policy a very long time and am thankful that I have never needed to file a claim. Please respond to these concerns.

While reviewing my checking account for January 2010, I noticed that my automatic insurance withdrawal for Jan. had not been taken out, so I called Conseco to see what the problem was. I was told that my insurance had lapse. I was told that I was sent two (2) notices in November 2009 for loan value greater than cash value and owed more. I never received these notices. However, they had no problems taking the December 2009 payment without, say, a notice that this would be the last payment due to lapse.

Today, I received a "Flexible Premium Adjustable Life Lapse Notice" stating that the payment necessary to keep my life insurance in force has not been made, so they have terminated as of October 28, 2009. I don't understand how this is possible, since the payment that was to make should have been made in December.

At this point in time, I am a frustrated and a very angry policyholder. Someone needs to call me to make an appointment with me personally to discuss where I stand with Conseco Life Insurance. For many years, I have been a loyal and punctual customer of yours. Now is the time for me to enjoy my life and instead, I am facing the possibility of having my policy cancelled through no fault of my own. Mr. Juan ** is my agent who lives in San Antonio, Texas, yet I live in Laredo, Texas. The only time that I met him was when he was named my agent. My original agent, Mr. **, had moved from Laredo. Once I did so, I never heard from him again. Is this standard procedure with all of your agents?

Conseco made an unauthorized withdrawal from our bank account. This was after we sent a check of three hundred plus for a suspension of plan. After we paid for the continuation, they again took out another $178 plus. We spoke to several people who could not explain what it was for. We finally got a hold of Gail ** who passed us on to the specialist because she could not understand why they would do such a thing. Specialist Toni ** agreed with Gail and assured us a refund would be issued to our account within 2 to 5 working days. That was told to us in mid June. We are now in July and we have not yet received our refund. To me, they are not keeping their verbal agreement and with the unauthorized withdrawal, I should call them something else.

Conseco was notified on May 5, 2009 of my father's passing the day before and asked to stop the automatic draft of premiums from his and my mother's bank account. They failed to comply, extracted more funds from their account and now can't seem to get it together and return these funds and unearned premiums to my mother. This once again illustrates the insurance behemoth as the "organized crime". It is and is allowed to be. Conseco owes $1,310.60 to my mother for the drafted funds plus 13 days of unearned premium. For the thousands of dollars in premiums and claims never paid on, I'm sure we'll never see a dime. If a class action suit is ever filed against Conseco, I want to be the first to testify to their overt disregard for their policy holders and intentional design to defraud every way they can.

On December 3, 2008, I mailed a Request to Surrender for Net Cash Value form provided by Conseco. I requested my cash value in the policy at that time. On Jan. 27, 2009, I called to see if my paperwork had been received and was told by a representative that I must also include a letter stating that I had received the letter from Conseco dated Dec. 19, 2008. When Conseco received my second letter along with the surrender form, they could then process my claim. I mailed this letter on the above date. On Feb. 26, 2009, I again called to inquire about the status of my request. I was told they were looking into it and yes, they confirmed all my paperwork was complete.

Husband was diagnosed with Stage 3 Lung Cancer in 10/07. He was hospitalized with breathing problems, etc., several times between diagnosis and his death in 7/08. I have had terrible time trying to receive the reimbursement for benefits since his death. It seems everything I obtained from the medical facilities, doctors, ambulance authority, etc. are not what they will accept. I have contacted these facilities many times and they cannot understand why they will not accept these verifications of diagnosis, hospital stay, ambulance trips, etc.

Have been trying for several weeks to resolve 3 cancer insurance claims. These claims are for my deceased sister-in-law and I am assisting her spouse (82 years old )in the processing. They are constantly requesting additional info and once you submit the info you don't hear from them again. They have only paid approximately one third of the amount that is due. Is there anyone at the Executive level that I can request assistance in resolving this problem. Conseco claims department personnel are not helpful at all. I really don't understand how this company can stay in business operating in this manner.

Have been trying for over two months to resolve an insurance claim. Every time I ask for additional assistance I get someone who apologizes then I hit a brickwall when trying to escalate my inquiries to a higher authority

I took out Cancer Insurance with Conseco through the high school at which I was teaching. After paying a monthly payment for 20 years, and upon my retirement in 2006, I met with Joel Fry who told me that I would be entitled to a check since I was ending my employment at Clearview High School in Ohio and moving to Fort Lauderdale, Florida. He took my new address and I never heard from him OR anyone from Conseco.

I have written to Kansas Ins. Dept. Sandy Praeger's office since 2003 and they say they can't do anything about the rate increases. I think it is discrimination because they passed a law in 2003 saying that they can only raise rates on people who had policies before the 2003 law was passed. and a lot of other reteric. The company asked for 25 % and they only allowed them 15% and on and on. I found the state of Iowa said, Enough is Enough, they are not getting any more increases through in the state of Iowa. Do you know anyone who can help m? I don't want to give up my policy I have had for 12 years, but I can pay the increases.

I cannot contact anyone. I need a copy of the title to my previous loan with Greentree/Conseco.

Hi! I have already put my complaint in. I was wondering how I could find it online. What would it be under. What email address. I put it in almost a week ago about Conseco Life Insurance always saying they didn't get the payment. Then trying to scam you into paying two payments at a time. When your bank is telling you they have received the first ones. Then they do an audit on you and then it starts all over again. You have to prove each month that you paid your premium. It didn't start until my mother-in-law was 83 years old. No problems before.

I have had problems since last Oct. They kept saying they did not receive my check. Each month after kept saying same thing. I kept going to my bank and getting a copy and sendig it to them. They finally did a audit from Oct.-Feb. 2008. Spoke to the head of the company and we got it all straightened out. I even got a letter saying Your policy is now paid to March 10, 2008. O.K.

In 1988, I borrow $7800 from my Tax Sheltered Annuity to purchase my home. I began to re-pay myself in 1993. Since then I have paid in over $8000. I cannot get Conseco to give me a transaction history of the loan repayment. All I ever get is an account audit, which shows that I paid X amount of dollars on such and such a date. It never shows me what the current balance of my loan is. I have talked to service reps, I've written letters, and I have even tried to take the financial beating with regards to to taxes by trying to withdraw the surrender amount; yet I get no satisfaction. I keep paying every quarter and the surrender value keeps getting smaller.

My parents bought long term nursing home insurance in 1991. My father became ill and was placed in a nursing home in February of this year. Medicare paid the first 100 days and Conseco was supposed to pay us $70.00 a day after that point. I have mailed them over 100 documents including bills, claim forms, doctor and nursing notes, etc. and they still have not paid the total amount due. Every time I call they tell me I need more paperwork. They still owe us over $2000.00.

My mother put a claim in for her LTC insurance for November (her start month). Conseco said they cut a check for Nov and Dec LTC insurance on January 17, 2007. We never recieved it. I called two weeks after it was cut and was told I have to wait one month before they will put a stop payment on it and reissue the check. I called on February 16 and had them proceed to stop payment and reissue. They then told me it would take UP TO ANOTHER 30 business days to stop payment and reissue. When asked why, the answer I recieved was we are a large corporating and these things take time.

We have a heart and stroke policy. My husband passed away on January 29, 2006 from a massive stroke. I sent Conseco the death certificate, which stated that the cause of death was end stage cerebroovascular disease. ( I not sure that is spelled right, I can't read the doctor's writing.) They wrote asking for an itemized hospital bill on the hospital's letterhead, a doctors bill on the doctor's letterhead. They sent a HIPAA authorization for me to sign so they could obtain the information from the hospital and doctors (which I returned). I received another letter stating that I need my husband's signature.