Hartford Life Insurance Reviews

As of today, now I am in the long term category and now Hartford is stating they need my medical records from last year to show I didn't get sick last year. Although my company doctor confirmed and provided a written document that I got sick this year. As of today... I still have not been able to receive my disability payments to continue my medical treatments or medicine. Hartford has No respect for War Zone employees and don't care if you are able to receive medical attention. Please never do business with Hartford Disability Insurance!

I proceed to take Hartford Life Insurance to court, which their Attorneys, Rivkin Radler had drag on since 2008. I had found a couple of co-workers that had also had their cases denied and we are looking into a class action lawsuit on disability benefits. If anyone can assist me on the class action process or wants to join the class action lawsuit on disability benefits. Please feel free to add your experience.

In June I realized that the payment has not been deducted from the account yet. So I called and inquired. I was told that the routing number is not going through. I informed them that the routing number is the same as before and that is the same as in the other policy which has been paying each month with no problem. The agent said, they will send this to research and will get back to me within 2 week. I asked if I should make any payment manually now and was told there is no need until they finalize the research on the routing number.

On July 6, 2015 I called to follow up. The agent told me that the research was not completed yet. I got a bit nervous so I insisted on giving her payment immediately from another bank account until the research is complete. She gave me the amount due to bring the balance current and avoid the lapse in the policy. The payment was made by phone and a confirmation number was given to me.

By July 30, 2015 the payment made by phone had not cleared my account yet, so I called to inquire again. The agent told me that the policy lapsed on July 3rd and that they are not able to re-instate it and I have to do a new underwriting! I have been paying on this policy for 9 years. Of course they want to get a new underwriting to get a higher premium. Very unethical business practice and sad to see a company with such a long history is now run by gangs who work hard on finding out how to trick you into paying more and take very lightly the seriousness of such a practice to customers who put their trust in them. I am looking into my legal options. Please contact me if you have similar experience.

Prudential I understand is taking all of Hartford's accounting over. My husband and I have had these polices for years. First it was Universal Life then they bankrupt and Hartford took over the policies. Casey promised me that she would send me a breakdown of the payments which they claim has been credited to my husband's policy. I worked in acct for years and would someone explain to me how can you credit someone's account and yet you have never withdrawn it from their bank account? I am beginning to get a bad feeling about what is going on with this company, and if I have to I will turn this over to my Attorney. Enough is enough. It's a shame what big business is doing to the old people but God will one day take care of all of them.

Since that 1st call, I have been met with nothing but rudeness. It has been almost 3 months and I have given them everything they have asked for, yet they will not share with me even what the policy is. I have gotten an attorney, as they seem to give me no answers. Twice I was even told they mailed me something but when it didn't arrive, I asked them to fax it and they refused. Now they told me technically I am not a beneficiary as he wasn't collecting on his pension yet (as he passed away) so the policy wasn't in play, so technically I am not a beneficiary yet and that is why I can't see the policy...What????

Fast forward to Wednesday the following week when I called to verify that everything was where it should be for me to receive my direct deposit. I was then told by Will that my direct deposit was set up to be processed the following day (the day it was due) and that I would receive my direct deposit no later than Monday. I called that Friday (today) and spoke with Will again and was told that the paper check was never cancelled and that it would be next Thursday at the earliest that I would receive my funds.

When I asked to speak to his supervisor (as I was upset that I had at this point been given 3 different days as to when to expect my money) I was told that the supervisor and everyone else was in a meeting and that there was no one else I could speak to. That was an hour and a half ago and I have yet to receive a call back. I will be filing a complaint with The BBB as well as taking it to social media if I must. I have been lied to from the get-go and am tired of getting the run around. I have all the legal papers from my lawyer stating that my funds were to be to me on August 21, 2014. It's now August 22, 2014 and I'm being told it'll be at least until the 28th before I see my money. Not happy. Not happy at all.

This company refuses to budge and honor the policy. They refuse to correspond with any survivors regarding the policy. It is now May 2014. Now after reading these other complaints I am willing to bet that Hartford has tried to take the monthly premiums from the closed bank account and will now say the policy has lapsed. I am sharing this page with the children so they will know the uphill battle they are facing.

After being placed on hold for a long time she comes back and says they continued to take the money so in case I had another child they would be covered. Tried to avoid the money issue all together, then she proceeds to tell me I have to put in to writing that I want that policy stopped and she does not know about the money. I would have to send a letter requesting a refund with the boys' age and SS# (which they already have, the oldest is 30, the youngest is 20), pay for coverage and there is none for several years. We have move twice since we started this policy so I asked her to send me a copy of my policy. Can you believe she tells me they charges $25?

I said, "I have paid you all this money for nothing and you are going to charge me $25?" My last question to her was "So if I close this policy all together how much is my cash payout for the term policy." She says there is NO cash payout. So I lose all that money I paid for 20 years or I continue to pay the higher premium. I would tell anyone to not get involved with this company. I want to include I had a small term life policy for myself through State Farm before we were married and took this policy out and I got a cash payout. STAY AWAY!

Apparently they did not close the account and had tried 3 more times to pull fees from my LOAN account. I only have a LOAN account at this bank. I call them today pretty mad and get several smart ** comments before rude James lets it slip they are doing the same thing from my Credit Union Checking Account at a totally different bank and have been for a good while. I am furious that this has occurred and curious as to why both are credit unions. I had to demand the supervisor and give them a confirmation number as they couldn't give me one citing over and over I would get it in a letter in a few days. Has this happened to anyone else?

I have been seeing my same MD since '07 and have seen her every month on on a regular basis since May 2012. They approved me for all FMLA and all short term, and now I have come to the conclusion they don't want to pay me thru their Insurance company. They tell me to Appeal it, but the Appeal Unit also works for the Hartford, and I found out the 3rd party doctor is on Hartford side also. I have appealed and if that is denied, I will take it to Civil. So my question is, How does Hartford approve me since May 2012, and now they don't want to help me at all since the money is coming from them now and not my employer? You think our government is **??????? I dont know how they are getting away with this and ruining people's lives, but they will not get away with this with me!

So I go to the police thinking if it wasn't my ex, it was someone who had my account number. I have to call all the companies I get to debit their money out to change all my information. I’m calling The Hartford; I have no idea who these people are. Anyway, they send me a letter I signed back in 2010 for enrollment for life insurance through my bank. So I run up to my bank and they are like, “Yeah, this company has been deducting $33.00 from your account for three years.” I looked at this girl and said, “Are you sure?” I could not believe it because I look at my account online every other day, and I get SS and SSI since 2007; and I do my bills and never saw any deduction from Hartford. I come home and on my statements through the mail - yep there it was $33.00 from them. But the money was always there. It didn't make sense. I’m crying to the bank saying I feel crazy because I never saw the deduction and always had the money there.

Well, I wrote The Hartford and told them that in signing this form, it was my understanding that I was inquiring about a quote for insurance. In three years, I have been paying for insurance I never knew I had. I never gave my medical info or age nor have I received an acceptance form or premium amount or agreed to have any money taken from my account through these people. I feel it’s illegal, and I want to file a complaint. I have no statements or invoices other than the bank who told me they didn't know who they were to begin with; and although the deduction is there, the money never left my account. And this year was the only deduction I saw online. I have moved and divorced since that enrollment form and opened another insurance policy.

I would not recommend this insurance to anyone. By the way, I have worked in the insurance business for 40 years, so I do know a little about insurance. This is a very poor way to treat your policy holders and their family. All the other insurance policies that she had have been settled; they all paid and had no problems. But Hartford is the worst company I have ever dealt with. If I could give them half a star, I would do it. I guess the next step is a lawyer and a nice editorial to our newspaper - they always like stories about elderly people being ripped off by insurance companies.

Mr. ** decided on this call after fishing around for an excuse not to pay the claim that since water was involved, he could not pay anything. This took him seven weeks to figure out? I asked to speak to a supervisor. He told me Heather was in a meeting and asked if I would like to call her back later. I said she might be in another meeting and to have her call me. After three hours, she had not called. I sent him an email notifying him that I had not been called. Now a day later, she still has not called. Mr. ** has a message on his phone that calls will now be returned in 4 business days. This in unsatisfactory customer service to: 1. Waste my time for many weeks; 2. Imply that payment is forthcoming via the multitudes of letters and requests; 3. To not be contacted by a supervisor. Let this email be the record that I will use when the issue is escalated within Hartford and if necessary, to any outside agencies.

I just received a letter stating that there were not sufficient funds paid into the policy to support the monthly expense of maintaining it so I have to pay nearly $600 within one month to prevent her policy from lapsing. I called Hartford thinking this was probably an error that could easily be straightened out. Wrong! They explained that the cost of supporting a policy increases yearly and the quarterly payment does not meet that cost. The so-called monthly cost to support a $20,000 policy is now over $160. What? I have over half million dollars in coverage for half that cost. Where do they come up with that number? Thank goodness, I am in a position to be able to find a way to pay this so her coverage doesn't lapse. I asked them when they sent Mom a letter stating that her quarterly payment would need to be increased to meet the expenses and explain what was happening - they never did. All they send is an annual statement with no letter of explanation.

They feel by doing this, they are meeting their obligation to take care of the insured. Now it doesn't take a rocket scientist to figure out that most older people are not going to know what the annual report states nor will they understand that they probably need to increase their billing amount. This is a very deceptive practice and I fully believe it is intentional so that they can justify cancelling policies that people have paid into for years. Halfway through the conversation, a light went off in my head. My father had a much larger life policy through Hartford years ago and this same thing happened to him. He was on a fixed income and could not afford to pay the several hundred dollars to "catch up", so he had to let the policy lapse. I have spent years trying to figure out how this had happened, and now I know.

He died from cancer a year later, creating a situation where my mother could not afford to live on her own nor could she afford to stay in her home - I had to move her in with me, sell her home, and support for her for over 10 years before her dementia advanced so much that I could no longer care for her on my own. She was robbed of the dignity of being able to be independent and the strain it created for me was tremendous. I love my mother dearly and am grateful I was in a position to be able to care for her, but at a huge cost. As a result of what they have done to Mom's coverage, her quarterly billing now has to increase from $140 to $480 per quarter - all for a measly $20k policy. This type of practice is so unethical and wrong on every level and it should be criminal. Those guys aren't stupid. They know full well that the average insured is not going to understand how complicated a process handling a simple life policy is - this way, they don't have to pay a claim!

I worked as an underwriter for 15 years and got out of it because of the blatant dishonest practices. I was continually instructed to do what I could to prevent having to pay a claim. I am sick to my stomach that we live in a country that allows this. I really don't have any recourse. My state's insurance commission will, I am sure, side with Hartford and technically, there has been no criminal action. But why is it that clearly unethical practices cannot be considered illegal? Out of nearly all nations in our world, our country makes it incredibly difficult for people to be able to live a decent life as they get older unless they have the foresight and ability to put away enough money to live on once they retire. Not everyone has that luxury - and it is disgraceful that so many of our elders should have to live well below the poverty level. Being older should be revered, not punished. I promise you I will never recommend these guys to anyone - and sadly, I am sure they are not the only insurance company that does this.

I recommend one stay away from the big companies like Hartford, State Farm, Aetna, Farmers, Allstate, etc. Find a company with home offices in one's home state with a B+ or better rating. Examples are Farm Bureau, Shelter, etc. And don't miss you premium drafts and comply with requests, all within 30 days by certified mail.

The State Insurance commissioners are simply the industry's training grounds for future lobbyists and sit in the pockets of the carriers. The industry is basically legalized thievery with no heart and morals. I am no Obama fan, but he is trying to do the moral thing, as did Hillary Clinton in basing insurance on a community basis. But he will be crucified as was Hillary's efforts by these thugs who want to escape any kind of payment with a loophole, missed payment, form, or anything they can gouge with. And they own the courts along with the bankers. Read: "The Rich and the Super Rich."

After approximately another 3 years, I called to verify my info again, and was totally shocked at what I discovered. First of all, I was told that Monumental Life no longer had my policy, and that Hartford had my policy now. When I spoke with the representative from Hartford, they didn't seem to know anything about my policy. They didn't know how much I was paying or when it was being drafted from my account. I had to correct them by saying, “No, I don't pay x-amount quarterly, I pay x-amount, and it is drafted each month from my account.” I then asked, "Why don't you know this already?”.

I asked them to verify my beneficiary, and they told me I didn't have a beneficiary listed. I told them I most certainly did list a beneficiary, and there was no way I would take out an insurance policy and not list a beneficiary. They also told me that they didn't have a signature for me on file. So I asked, “If you have no signature, then there's no binding contract, so why are you taking money from my account and there's no binding contract between us?” By this time I was angry and raising about $9000 worth of h----, and threatening to call and report them to the insurance commissioner, so they asked me if I wanted to call headquarters, and if so, they could give me the number to call. I said yes, I would like the number.

They gave me a number, and I immediately called. The number seemed to be a fax number, so I called Hartford back to ask for the number again, thinking I had made a mistake when writing down the number. I was given the same number again, so I said to the representative, “I just dialed that number and couldn't get anyone, it sounded like a fax number.” He then informed me that it was a fax number, and that they had no other number to give, and that was the only number for headquarters they had. I said, “You mean I can't even talk to a live person at headquarters?”.

By then I was totally convinced this was nothing but a fraud that I had paid into for years. I don't excuse Regions Bank, because I think they are just as much to blame for allowing their customers to be defrauded through their bank, but I'm sure they're allowing it because they're getting their share from it as well. I then called a friend of mine whom I knew had taken this insurance through Regions Bank as well, and told them to call and check on their insurance. They were also told that they had no beneficiary listed.

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.

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 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!

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.

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.

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.

Hartford also contends they have over paid me by not deducting the tiny Social Security cost of living increases from the benefit amount. It would be only decent if they gave cost of living increases also, but none that might allow a person to do something. They complain that I have not had my surgeries, like I can make them do this. The doctor they used to decide without 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 lawsuits 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 they owe, then to hire all of these people to try and terrorize them into dropping the lawsuits. I think it would be cheaper in the long run. As for me, the more they 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 doesn't the government step in and bail us out instead of them?

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.

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.