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Initial Complaint
12/31/2024
Complaint Type:
Product Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
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
12/03/2024
Complaint Type:
Billing Issues
Status:
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.
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
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
11/14/2024
Complaint Type:
Service or Repair Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
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 response
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
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 response
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
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 response
12/04/2024
The company has responded to my request. I am happy with the outcome.
Customer response
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
10/24/2024
Complaint Type:
Sales and Advertising Issues
Status:
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.
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
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
10/22/2024
Complaint Type:
Sales and Advertising Issues
Status:
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.
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 response
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
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
10/11/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
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
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 response
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
Initial Complaint
10/06/2024
Complaint Type:
Product Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
My former wife passed away in April and our children, when going through her possessions, came across eight life insurance policies. Several policies were on the children themselves, one on myself and one on their now deceased ********* one point our daughter, the estate executer, called concerning the policy on her deceased mother. She was told that the name on the policy did not match the name my daughter told them, even though she read it directly from the policy itself. Frustrated, she sent me all these policies to see if I could find out if any of them were still active or not.I contacted customer service and spoke to a representative. I gave her a couple of the policy numbers and she said there was no information on them. On a couple others she had information but said the names that I gave her did not match what she had on file even though I read it directly from the policy itself. At that point your representative suggested to make copies of the policies and send them to their policy administration for research. She also suggested I send those with no information on file because they are all rather old. I sent a cover letter and copies of all the relative pages of each policy in early August.We are just trying to determine if any of these policies are active and if so, how can they be updated with current addresses, beneficiaries, corrections, claim etc. At a minimum I was expecting a we received your correspondence and will advise letter from Washington National. To date, I received nothing.
Business response
10/07/2024
Good afternoon,
In accordance with privacy laws, we have contacted the complainant directly to provide instructions on how to locate the carrier for the policies in question.
Sincerely,
Washington National Insurance Company
Consumer Relations
Customer response
10/09/2024
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
09/28/2024
Complaint Type:
Order Issues
Status:
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.
I was denied the daily benefit for cancer treatment at a medical facility when receiving immunotherapy. I have had a cancer policy with ******* since 1998. ******* was acquired by Washington National/Bankers Life in 2010. The policy states that it will pay a benefit for each day I receive a chemical treatment or radiation treatment at a medical facility for the purpose of killing cancer cells. In 1998, there was no such thing as immunotherapy. They have denied that benefit to me, stating that immunotherapy is not covered, because it does not kill cancer cells. Frontline chemo failed to stop progression of my stage four clear cell endometrial cancer. ******** with ******* is the *** approved and recommended second line treatment of my cancer with my biomarkers. The treatment helps my body's immune system to find and destroy cancerous cells. I appealed the original denial and sent the insurance company a ton of information and records, including a letter from my gynecologist oncologist, CT San results and Signatera blood test results, showing that the treatment has in fact killed the cancer in my body, which chemotherapy failed to do. They denied my appeal. So I filed a complaint with the ******************* of Insurance, and contacted an investigative reporter at a local news station. Still trying to get them to pay the $175 per treatment (every three weeks) benefit. I started the ******** treatments on April 22, 2024, and will be on it the rest of my life or until it stops working.
Business response
09/30/2024
Good afternoon,
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, since we are currently reviewing a complaint received from the customer via the ******************* of **********************, we will provide our response and conclusions directly to the Department.
Sincerely,
Consumer Relations
Washington National Insurance Company

Customer response
10/02/2024
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.

My complaint filed with the BBB implies my consent for the company to respond to the complaint.

Regards,

***** *******
Business response
10/07/2024
Good afternoon,
Our response letter has been sent to the ******************* of Insurance today. Once the Department contacts the customer, please advise her to follow the instructions outlined in our explanation letter.
Sincerely,
Consumer Relations
Washington National Insurance Company
Customer response
10/08/2024
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.
Im extremely disappointed in the response. Washington National asserts I did not return the call from *******, but I did, in fact, return her call and left a message that she never returned. The Keytruda/Lenvima treatment I am receiving has, in fact, resulted in the death of the cancer in my body, which is something standard chemo failed to do. ******* is not chemotherapy, either, but together with ********, I am now cancer free. Standard chemotherapy kills cancer cells, but weakens the body allowing the cancer to return aggressively and kill the patient, causes death from toxicity, or causes subsequent cancers that result in death of the patient. If their cancer policies dont cover newer, more effective treatments, they should be rewritten, an appropriate rider should be offered, or they should be canceled, and if a claim was never made, they should refund all premiums paid. Since it would cost more to hire an attorney than I would ever recover in benefits from this policy, Im not going to pursue this matter further. Im going to cancel the policy and move on.

Regards,

***** *******
Initial Complaint
09/10/2024
Complaint Type:
Order Issues
Status:
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.
been with this company since 1986 after 20 years they sent me a check for ************************************** 2006 paid my premiums for ******************************************************************** june 2024 they sent a check on 6/26/2024 for $91.20 thought i was going to get this monthly have not gotten any thing after that try to call them but every thing is automated can not talk to a person i am sure i should be getting more then one check after paying for 18 years please help
Business response
09/13/2024
September 13, 2024
Dear BBB of ***************:

This letter is in response to the correspondence received in our office on September 11, 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 Mr. *************** 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
08/08/2024
Complaint Type:
Service or Repair Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I purchased insurance through Washington National back in 2020. It is directly a withdraw from my checking account. I have called them numerous times to get account information and to be able to file a claim and haven't been able to talk to anyone. They take $20.30 a month from my account and have not provided any service for all the payments that have been made.
Business response
08/12/2024
August 12, 2024
Dear BBB of ***************:

This letter is in response to the correspondence received in our office on August 8, 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 ****************.

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 response
08/12/2024
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,
***************************

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