Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:03/06/2025

  Type:Sales and Advertising Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had an active policy with Washington National Ins. through 12/31/2023. All premiums were paid as they were withdrawn ACH from my bank account monthly. My records show they took premiums at the END of Dec. 2023 - for the month of January- after I had already notified my agent, ***** ****** of Bankers Life, that I had chosen a new insurance plan with Medical Mutual effective on 1-1-24. INS Policy # 223 313 829 I objected and had to Prove to them that my DECEMBER premiums were already paid in full. They finally returned the $102.01 payment to my account, after full review. I had to formally request that they stop ACH withdrawals from my account. In January of 2025 I received a medical bill in the amount of $67.10 from ProMedica for a date of service in December 2023. They show that my insurance - Washington National denied my claim for Non-payment of premiums?? I have kept my documentation to show how inconsistent their argument is. They are still saying I did not pay the monthly premium for Dec. 2023. They are wrong. I had to pay the bill out of my pocket. I will need to get all copies of ACH payments from my bank in one statement.

  Business Response

  Date: 03/13/2025

  Washington National Insurance Company
  PO Box 1916
  ******, IN 46082-1916
  
  March 13, 2025
  
  BBB of ***************
  **********************************
  **********************************
  
  
  RE:  Washington National Insurance Company
          Consumer: ***** *********
          Complaint Number: 23028491
  
  Dear BBB of ***************:
  
  This letter is in response to the correspondence received in our office on March 6, 2025. Thank you for allowing us the opportunity to address this matter.
  
  In your correspondence you requested information regarding the above referenced complainant. In compliance with state and federal privacy laws, we are required to restrict access to information in our files and may not disclose such information to other individuals.  A complete response is not posted to the BBB portal because the posts are public and can be accessed and viewed by other individuals; therefore, we have communicated directly with Ms. ********* regarding her concerns providing the requested information and clarification.
  
  We hope the information provided has been helpful. If you have further questions or need additional assistance, please contact our customer service department at ************.
  
  Sincerely,
  
  ***** ******
  Sr. Consumer Relations Specialist
  *******************

  Customer Answer

  Date: 03/15/2025

  Better Business Bureau:

  I have reviewed the response made by the business in reference to complaint ID ********, and find that this response/resolution is satisfactory to me. 
  
  
  

  Regards,

  ***** *********

• Initial Complaint

  Date:02/28/2025

  Type:Delivery Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  1/4/25-Notice of death provided, claim package requested, was told it would be sent in 7-10 business days.1/7/25-Claim package supposedly mailed, received 2/5/25.1/17/25-Notified them the claim package was not received, was told a 2nd package would be sent in 7-10 business days.1/30/25-Notified them the claim package wasn't received again and was told it was mailed on 1/27/25 (received 2/15/25), requested an email copy. Was told they aren't permitted to email, but they could fax it. I requested and received a faxed copy.1/31/25-package was completed and mailed for delivery with a signature required.2/4/25-package was received and signed for by ******** *****.2/10/25-Lovely confirmed package was received and is in process.2/18/25-Spoke with **** and was told the review was completed, original death certificate was mailed on 2/12/25 (received 2/15/25) and the claim was "paid out" on 2/14/25. I asked the amount and was told that the check for $98,614.16 was mailed regular mail (no way to track it). I asked why it wasn't sent overnight or certified and she stated that wasn't their policy. 2/21/25-Spoke to Yuki and informed her I received no check. Asked to talk to a supervisor, was connected with ****** who told me I had no recourse for 10 business days. At the end of 10 business days, they could cancel the check and reissue. I asked if it would be sent overnight or certified mail and she stated that wasn't company policy. She stated that at least 2 checks had to be mailed and not received before they would consider sending a check certified. She said to give it until the 27th or 28th and call back if it still wasn't received. She stated that I could request to speak with her and she could pick up any phone in the department to speak with me.2/28/25-No check has been received, nor is it being delivered today. It appears this company doesn't want to provide insurance payouts per the contract.

  Customer Answer

  Date: 03/01/2025

  3/1/25-The check from the 1/2/25 death notification for the life insurance policy was finally received. As usual, there is no post mark to reflect when it was mailed so it couldn't be verified. There was one other policy from this death with a different company that was paid in 7 days and I cancelled my own policy with **** ******* Insurance that was paid in 12 days and they required additional information. Washington National Insurance provides misleading information and delays insurance payments for unreasonable periods of time. Everything is blamed on the postal service for the failure to receive items, however I requested the original death certificate to be returned and that was received in 3 days. Everything related to insurance claim payouts are always delayed for a minimum of 2-3 weeks. They refuse to email the information, allow filing online or mail information so that it can be tracked (including large checks). They're customer service is horrible and it's totally unreasonable to be unwilling to allow connection to a supervisor by stating the phones in that department aren't working yet that day. People should be warned about this company.

  Business Response

  Date: 03/03/2025

  Good afternoon,

  Thank you for giving us the opportunity to review this request. We would like to inform you that our company no longer administers this policy. Since April 2010, the policy has been administered by *********************, a licensed Third Party Administrator (***). We have forwarded your request to the **** in the meantime, the customer may contact the *** using the information provided below.

  P.O. ************************** **********, Fax ************

  Toll Free Phone Number: **************

  Sincerely,

  Washington National Insurance Company

  Consumer Relations

   

  Customer Answer

  Date: 03/03/2025

  Not once in the 2 months I've been dealing with Washington National Insurance was I told they were no longer servicing this account, nor was I provided with the contact information for the new servicer that they provided in their response to you. This is clearly an attempt to maintain a good rating with BBB. They definitely need to be downgraded in your system given the misinformation, lack of information and lack of responsible behavior toward the policy holders. Although I did FINALLY receive my check after threatening legal action (supposedly mailed 2/12/25, received 3/1/25 but the death certificate was returned on 2/12/25 and received 2/15/25), my sister-in-law (co-beneficiary) has still not received her insurance funds. This company is nothing but a scam artist attempting to hang on to insurance funds as long as they can. They should be ashamed of themselves.

  Customer Answer

  Date: 03/03/2025

  Also, the phone number they provided for Alliance-One is the number listed on Washington National's letterhead for life insurance claims!

  Customer Answer

  Date: 03/04/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. 
  
  [Provide details of why you are not satisfied with this resolution.]

  Not once in the 2 months I've been dealing with Washington National Insurance was I told they were no longer servicing this account, nor was I provided with the contact information for the new servicer that they provided in their response to you. This is clearly an attempt to maintain a good rating with BBB. They definitely need to be downgraded in your system given the misinformation, lack of information and lack of responsible behavior toward the policy holders. Although I did FINALLY receive my check after threatening legal action (supposedly mailed 2/12/25, received 3/1/25 but the death certificate was returned on 2/12/25 and received 2/15/25), my sister-in-law (co-beneficiary) has still not received her insurance funds. This company is nothing but a scam artist attempting to hang on to insurance funds as long as they can. They should be ashamed of themselves.

  Also, the phone number they provided for Alliance-One is the number listed on Washington National's letterhead for life insurance claims!
  
  Regards,
  
  ****** *******

  
  

• Initial Complaint

  Date:02/20/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Washington national representatives visited the nursing home facility I work at 5 years ago to talk to employees about signing up for insurance. We were told that if after 5 years if you decide to cancel your policy you would be able to get the majority of your money back. I waited 5 years and I wanted reimbursement and was told that I would only receive $21.39

  Business Response

  Date: 02/24/2025

  Washington National Insurance Company 
  PO Box 1916
  ******* IN 46082-1916
  
  February 24, 2025
  
  BBB of ***************
  **********************************
  ************* IN 46241 
  
  RE:  Washington National Insurance Company
  Consumer: ****** Hughes 
  Complaint Number: 22966712
  
  Dear BBB of ***************:
  
  This letter is in response to the correspondence received in our office on February 20, 2025. Thank you for allowing us the opportunity to address this matter.
  
  In your correspondence you requested information regarding the above referenced complainant. In compliance with state and federal privacy laws, we are required to restrict access to information in our files and may not disclose such information to other individuals.  A complete response is not posted to the BBB portal because the posts are public and can be accessed and viewed by other individuals.
  
  We have addressed the concerns referenced directly with Ms. ******* as well as reviewed the policy provisions with her.  
  
  We hope the information provided has been helpful. If you have further questions or need additional assistance, please contact our customer service department at ************.
  
  Sincerely,
                                 
  ***** ******
  Sr. Consumer Relations Specialist
  *******************
  
  

• Initial Complaint

  Date:01/24/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This insurance company open a fraudulent policy in my name using all my personal information. I have never provided my name, social, email, and none of my banking information. The agent by the name *** M ****** with Fl Lic #: G018304 withe a ph# ************ email: ***************************** is completely unknown to me. I called the Washington National Insurance customer service line and they informed me this policy was electronically signed, which i checked my email, and i have never received any documentation nor emails from them, so how could i be signed? This is a fraudulent policy and insurance company, and this agent over took my personal data and identity to buy a policy in my name without my consent. I have submitted a request for policy cancellation back-dated to policy inception date, as well as a full refund of what was taken out of my bank checking account and nothing has been done. Moreover, i need to report this identity fraud.

  Business Response

  Date: 01/27/2025

  Washington National Insurance Company
  PO Box 1916
  ******, IN 46082-1916
  
  January 27,2025
  
  BBB of ********************;
  ******************************************************************;
  ************, IN 46241
  
  RE:  Washington National Insurance Company
  Consumer: ****** ****
  Complaint Number: 22852092 
  
  Dear BBB of ***************:
  
  This letter is in response to the correspondence received in our office on January 24, 2025. Thank you for allowing us the opportunity to address this matter.
  
  In your correspondence you requested information regarding the above referenced complainant. In compliance with state and federal privacy laws, we are required to restrict access to information in our files and may not disclose such information to other individuals.  A complete response is not posted to the BBB portal because the posts are public and can be accessed and viewed by other individuals; therefore, we are communicating in writing directly to Mr. ***** to address his concerns. 
  
  We hope the information provided has been helpful. If you have further questions or need additional assistance, please contact our customer service department at ************.
  
  Sincerely,
                                 
  ***** ******
  Sr. Consumer Relations Specialist
  *******************

• Initial Complaint

  Date:12/31/2024

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  as per earlier contract agreement with Washington National Insurance Company I paid premiums as demanded for return in nineteen years the policy matured 12/06/2024 and soon after got a letter dated 12/06/2024 saying my check for$16,576.42 would arrive separately,so I tried to patiently wait tho i desperately need the money for accounts that are in arrears and bank is severly overdrawn,my house has been badly damaged by termites,my kitchen floor is about to go to the basement a fall of about seven and over feet. The biggest reason for this complaint I HAVE WAITED I believe longer than reasonably is necessary for a return payment that if was sent in a sensible and caring manner should have arrived in some form long before todays date of 12/31/2024 only an idiot would send a client a large check (to me this is very large) and should have by rights been deposited into my checking account and this company had all the information needed to do this as they receive my premium payments in this manner at least two times a month or they could have sent this money as a priorty mailing with tracking capabilities where if it was misplaced it could have been found by now but sinve the money is leaving their bank they are not concerned with what happens to it as they can no longer use the funds interest free,so forgive me if I have trouble believing the check was indeed sent as they claim on 12/10/2024 IT is beginning to look to me and as i,ve been hearing and reading in places, i''m not the only having this problem with this company they are simply giving me the usual run arround to keep MY MONEY as long as they can with no concern as to feelings or financial problems,frankly i'm ashamed i did business with them and they will never get another good reference from me and i.m not going to be happy UNTIL I NOW RECEIVE MY MONEY IN A SAFER AND MORE FORRIGHT MANNER PREFERABLY BANK DEPOSIT CARING NOT HOW THEY HAVE TO DO IT,THEY DESERVE NOTHING LESS,THANK YOU FOR ANY AND ALL YOUR HELP!

• Initial Complaint

  Date:12/03/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 11/29/24 I signed up for a ******** supplement plan for 2025! I currently have Humana which is in force until 12/31/24! However, I was charged a premium for 11/24! The policy was not supposed to take effect until 1/25! This means I am paying two months in advance! Money I cannot afford. I **** been on the line for over 30 minutes trying to talk to a representative! I need my money back in my account ****!

  Business Response

  Date: 12/06/2024

  Washington National Insurance Company
  PO Box 1916
  ******, IN 46082-1916
  
  December 6, 2024
  
  BBB of ********************;
  ******************************************************************;
  ************, IN 46241
  
  RE:  Washington National Insurance Company
  Consumer: *** ******
  Complaint Number: 22634443 
  
  Dear BBB of ***************:
  
  This letter is in response to the correspondence received in our office on December 4, 2024. Thank you for allowing us the opportunity to address this matter.
  
  In your correspondence you requested information regarding the above referenced complainant. In compliance with state and federal privacy laws, we are required to restrict access to information in our files and may not disclose such information to other individuals.  A complete response is not posted to the BBB portal because the posts are public and can be accessed and viewed by other individuals; therefore, we have communicated directly with *** ******, who has confirmed his concerns were addressed. 
  
  We hope the information provided has been helpful. If you have further questions or need additional assistance, please contact our customer service department at ************.
  
  Sincerely,
                                 
  ***** ******
  Sr. Consumer Relations Specialist
  *******************
  
  

• Initial Complaint

  Date:11/14/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am filing a complaint because I paid for 3 policies through Washington National for 17 years. I retired and wanted more information on the policies. When I called a week ago, I was told that an agent would call me back. No one called me back. Yesterday, I called and was told that agents were busy and would have to call me back. I said, "I will hold." The operator said that all agents were busy, and I could not talk to one until the next day. I asked for a supervisor. The operator said that there was not a supervisor available. I asked to make an appointment with an agent. I was told that there were no appointments, but I could tell them when I am available. I said from 8:00 am to 9:00 am Eastern time. I went on the BBB site and saw a different phone number for Washington National. I called it. I asked to speak to an agent. I was told that agents were busy and were only available to people who want to buy a product. I said that a couple of my policies were cancelled, and I would like to have the policies back. I was told that they would mail me forms to make that request. Then mail the forms back and wait up to 6 weeks. The operator said, not to call them back to find out anything more about the policies. I asked to make an appointment with an agent. I was told that they needed these forms. I asked if they could email me the forms and I could FAX them back. I was told only mail. I requested that the letter F be removed as my middle name. They said to mail them a copy of my driver's license. I can FAX that to them after complaining that the mail is not always trustworthy.

  Customer Answer

  Date: 11/22/2024

  Washington National has called me many times. I talked to 2 different people. One is ****** (human resources that deals with complaints). She insisted that I could not reinstate 3 of the policies since I did not pay for them. There is one policy that I supposedly paid for until January ****** by check. But I have checked with my bank and there is no evidence of a check being paid. I still have to check with my credit card. I think that I paid for the 4 policies for 1 month. ****** has been calling me at 8:00 in the morning for 2 mornings. If she has news for me, she can email me at *********************** or ************************ On the phone call with her, I felt a condescending tone in her voice and I started to cry.

  Another Washington National agent called me, she works with Southern California area. I have talked with her 3 times. I feel like she has been listening to me and my complaints about this company. She told me that the 3 of the policies can not be reinstalled with the rider of return of premium. But I can get $100 per mammogram that I can prove and buy a new Cancer policy with the return of premium on a contract for 10 years. She said that one policy was paid till only Nov. 1,2024.

   

  This week I have received 3 letters from Washington National with the amount of 5 months listed for back pay and I don't understand the letters. I am going to reach out to a legal department and figure out my next steps 

  I am requesting that I receive no more phone calls, only emails so I have a record of what I am being told.

  Business Response

  Date: 11/25/2024

  November 25, 2024

  Dear BBB of ***************:
  
  This letter is in response to the correspondence received in our office on November 14, 2024. Thank you for allowing us the opportunity to address this matter.
  
  In your correspondence you requested information regarding the above referenced complainant. In compliance with state and federal privacy laws, we are required to restrict access to information in our files and may not disclose such information to other individuals.  A complete response is not posted to the BBB portal because the posts are public and can be accessed and viewed by other individuals; therefore, we have communicated directly with Mrs. *******
  
  We hope the information provided has been helpful. If you have further questions or need additional assistance, please contact our customer service department at *************

  Sincerely,

  ********* ******

  Consumer Relations

  
  

  Customer Answer

  Date: 11/26/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. 
  
  [Provide details of why you are not satisfied with this resolution.]

  Washington National has called me many times. I talked to 2 different people. One is ****** (human resources that deals with complaints). She insisted that I could not reinstate 3 of the policies since I did not pay for them. There is one policy that I supposedly paid for until January ****** by check. But I have checked with my bank and there is no evidence of a check being paid. I still have to check with my credit card. I think that I paid for the 4 policies for 1 month. ****** has been calling me at 8:00 in the morning for 2 mornings. If she has news for me, she can email me at *********************** or ************************ On the phone call with her, I felt a condescending tone in her voice and I started to cry.

  Another Washington National agent called me, she works with ******************* area. I have talked with her 3 times. I feel like she has been listening to me and my complaints about this company. She told me that the 3 of the policies can not be reinstalled with the rider of return of premium. But I can get $100 per mammogram that I can prove and buy a new Cancer policy with the return of premium on a contract for 10 years. She said that one policy was paid till only Nov. 1,2024.

   

  This week I have received 3 letters from Washington National with the amount of 5 months listed for back pay and I don't understand the letters. I am going to reach out to a legal department and figure out my next steps 

  I am requesting that I receive no more phone calls, only emails so I have a record of what I am being told.

  
  
  Regards,
  
  ***** ******

  
  

  Business Response

  Date: 12/04/2024

  Dear BBB of ***************:
  
  This letter is in response to the correspondence received in our office on November 26, 2024. Thank you for allowing us the opportunity to address this matter.
  
  In your correspondence you requested information regarding the above referenced complainant. In compliance with state and federal privacy laws, we are required to restrict access to information in our files and may not disclose such information to other individuals.  A complete response is not posted to the BBB portal because the posts are public and can be accessed and viewed by other individuals; therefore, we have communicated directly with Mrs. *******
  
  We hope the information provided has been helpful. If you have further questions or need additional assistance, please contact our customer service department at *************

  Sincerely,

  ********* ******

  Consumer Relations

  Customer Answer

  Date: 12/04/2024

  The company has responded to my request. I am happy with the outcome.

  Customer Answer

  Date: 12/05/2024

  Better Business Bureau:

  I have reviewed the response made by the business in reference to complaint ID ********, and find that this response/resolution is satisfactory to me. 
  
  
  

  Regards,

  ***** ******

• Initial Complaint

  Date:10/24/2024

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My mother passed away and I filed a life insurance claim on September 5th, 2024. I faxed all the requested documents on 9/5/24 from a *** and received a fax receipt. I called to follow up on 9/20/24 and the insurance company claimed they had not received my information and they could not find my information from the *** receipt. I then resubmitted the documents through email. Two week lasted on October 4th, I was told that my mothers insurance funds had been sent to unclaimed funds and they were waiting for the funds to be sent back. I called ******************************* and they informed me that no funds in my name or my mothers name had ever been received by Washington national insurance company. Then one week later I called to check the progress of this and was given a case worker named *******. This woman told me that she would get this taken care of. That this payment was much over do and she would have my check overnight shipped to me once the funds were processed. She told me that the funds had never left the company after all this time. Then, one week later, on October 18th she left a voicemail claiming no progress whatsoever not even an update. On October 21st she called and left another voicemail saying that she had processed my claim and they mailed it out that day and I would receive it in 7-10 days. I am still currently waiting and have not received this check after 54 days. My bills are past due, I was forced to take out a loan to survive because of this absolute negligence. I was dependent on this check and they completely lied and lied again. My mother paid on this life insurance for many years and this is how they treated her daughter trying to collect the policy after her demise. An absolute nightmare and borderline scam!after the first 30 days I was forced to take a $2500 loan out to survive and they should be responsible for this. I would like an explanation why I was lied to over 4 times also.

  Business Response

  Date: 11/01/2024

  Dear BBB:
  
  This letter is in response to the correspondence received in our office on October 24, 2024. Thank you for allowing us the opportunity to address this matter.
  
  In your correspondence you requested information regarding the above referenced complainant. In compliance with state and federal privacy laws, we are required to restrict access to information in our files and may not disclose such information to other individuals.  A complete response is not posted to the BBB portal because the posts are public and can be accessed and viewed by other individuals; therefore, we have communicated directly with Ms. *******
  
  We hope the information provided has been helpful. If you have further questions or need additional assistance, please contact our customer service department at *************

  Sincerely,

  ********* ******

  Consumer Relations

• Initial Complaint

  Date:10/22/2024

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had kept on my plan and submitted all documents and and account information requested of me. I have over 400 emails to prove the dates and information. The business did not take care of my information accordingly on there end and dropped the ball and denied my claim of service over there error. I also reached out to them several times since and cannot be given an update. They take your money. I should have never had to sign a reinstatement either now looking back because they had everything within the time frame I kept reaching out bugging them and nobody must of put my information in correct.

  Customer Answer

  Date: 11/01/2024

  Company is a major scam keeps taking money out but yet refuse to pay there claims. I think at this point it is a possible lawsuit. They lied about having my account info then are dedcuting on days that the agreement was not signed for. In previous emails you can see it is for the 10th of every month. 

  Business Response

  Date: 11/07/2024

  Washington National Insurance Company                                                                
  PO Box 1916                                                                                                             
  ****** IN 46082-1916
  
  November 7, 2024
  
  
  Better Business Bureau
  Serving ***************
  *********************************************************** 103A
  ************,IN 46241
  
  
  
  RE:  Washington National Insurance Company
          Complainant: ******** Deye   
           ID Number: ********
  
  Dear Better Business Bureau:   
  
  This letter is in response to your correspondence dated and received in our office on October *******, regarding a complaint filed by ******** ****.  Thank you for allowing us the opportunity to respond to your inquiry.
  
  In your correspondence you requested information regarding the above-referenced complainant. In compliance with state and federal privacy laws, we are required to restrict access to information in our files and may not disclose such information to other individuals.  A complete response is not posted to the BBB portal because the posts are public and can be accessed and viewed by other individuals; therefore, we spoke with ******** **** on November 6, 2024, and addressed her concerns.  
  
  We want to assure you of our continued commitment to provide the best possible customer service.  If you have any questions, or if we may provide any further assistance, you may contact our customer service department by dialing **************.
  
  Sincerely,  
  
  ******** ******
  Consumer Relations 
  

• Initial Complaint

  Date:10/11/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to formally request an investigation into the practices of Washington National Insurance Company and Conseco Insurance Company, both of which operate under the umbrella of CNO Financial.On October 2nd, 2024, I received a letter from these companies stating that I owe $517.15 and that failure to pay this amount within 10 days would result in my account being turned over to collections, they stated that this was a final attempt but this is the only notice I have received. I am unable to resolve the issue because the companies do not provide a working phone number for customer service. They have insisted on communicating solely by email and refuse to offer a direct line for further clarification. Additionally, they have been evasive when Ive inquired about the charges, raising concerns about the legitimacy of their claims.I was employed by Washington National as a 1099 from August 5th, 2023, until approximately December 8th, 2023. Toward the end of my time there, the company requested that I work an overnight shift (from 10 PM to 6 AM) at a location two hours away from my home, with little notice. When I declined, they locked me out of my agent account and blacked out my calendar, preventing me from being scheduled for work. This left me with no choice but to seek new employment. I received an official termination letter from the company in 01/24 I am concerned that this may be a scam, but feel pressured to pay out of fear that non-payment could negatively affect my credit. I have a longstanding positive credit history and do not want this unverified debt to jeopardize my record.Given the sketchy nature of their practices and the numerous complaints I have seen about them, I respectfully request that your office investigate this matter. Any assistance you can provide to ensure this situation is thoroughly reviewed would be greatly appreciated.Thank you for your attention to this urgent matter. I look forward to your guidance on how to proceed.

  Business Response

  Date: 10/15/2024

  Good morning,

  In compliance with state and federal privacy laws, we are required to restrict access to information in our files and may not disclose such information to other individuals, except as authorized in writing or otherwise permitted by law. We do not have an authorization on file to respond to the Better Business Bureau; however, we wish to confirm that we have resolved this matter directly with the complainant.

  Sincerely,

  Consumer Relations

  Washington National Insurance Company

  Customer Answer

  Date: 10/20/2024

  Better Business Bureau:

  I have reviewed the response made by the business in reference to complaint ID 22412967, and find that this response/resolution is satisfactory to me. 
  
  
  

  Regards,

  Jonathan Stremovihtg