Complaints

This profile includes complaints for Globe Life Insurance Company of New York's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  Globe Life Insurance Company of New York

  3700 S Stonebridge Dr McKinney, TX 75070-5934

  
• 

  Globe Life Liberty National Division - Clint McClain

  1500 Perimeter Pkwy NW Ste 126 Huntsville, AL 35806

  
• 

  Carducci Agencies

  7171 Coral Way STE 101 Miami, FL 33155-1684

  
• 

  Globe Life Family Heritage Division

  6001 East Royalton Road Broadview Heights, OH 44147

• 

  Globe Life Insurance Company of New York

  301 Plainfield Rd Ste 150 N Syracuse, NY 13212-4548

  

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:08/29/2023

  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.

  Paid for a life insurance policy for my brother for 28 years. No communication not sending required documents as requested. ***** sent to brothers family after being owner of policy for 28 years.

  

  Business Response

  Date: 09/01/2023

  This complaint appears to be in reference to a Globe Life policy insuring ******************************'s brother.  However, ****************** did not provide his brother's name or the policy number. Please have ****************** provide his brother's name and the policy number in question and we will be happy to review this matter further. If ****************** does not have the policy number, please have him provide his brother's name and date of birth.

  Customer Answer

  Date: 09/01/2023

  After contacting this company and requesting change of beneficiary forms I never received anything. After sending death certificates per their request I never got a letter or call from Global. Customer for almost 30 years drafting my account monthly have never received an explanation. This company takes your money and doesn't payout as promised. Do not do business with them and look at the long list of unsatisfied customer complaints before you do. VERY UNSATISFIED CUSTOMER!!!

  Customer Answer

  Date: 09/09/2023

  I am rejecting this response because:   

  After contacting this company and requesting change of beneficiary forms I never received anything. After sending death certificates per their request I never got a letter or call from Global. Customer for almost 30 years drafting my account monthly have never received an explanation. This company takes your money and doesn't payout as promised. Do not do business with them and look at the long list of unsatisfied customer complaints before you do. VERY UNSATISFIED CUSTOMER!!!

  

  Business Response

  Date: 09/12/2023

  Again, the complaint seems to be in reference to a policy insuring ******************************'s brother.  We cannot possibly respond to ********************** initial complaint or his rejection without his brother's name and policy number or his name and date of birth.  Without that information, there is no way to locate the policy.

  Customer Answer

  Date: 09/12/2023

  The problem is paying for the policy and them excepting my payment for over 7 years. When it comes to communication they don't know who I am and don't care to let me know anything about 10 k payout. How can a company operate like this. My brother asked to send a change of beneficiary to our address and it was never sent by Global. How can this company take your money and not communicate with the person funding the policy? How can this company stay A+ with BBB and treat "customers" like this!!!

  

  Business Response

  Date: 09/19/2023

  Please provider the policy number in question so that we can properly respond to this complaint.

  Customer Answer

  Date: 09/20/2023

  Policy number

  00C490731 for ******************************

  Dob 1-30-1962

  

  Business Response

  Date: 09/22/2023

  We appreciate ****************** providing his brothers name, policy number, and date of birth.
  
  Policy #**C490731, insuring the life of ****************************, is a term life policy issued effective January 12,1996 in the amount of $10,**0.**. ************************* is the policy owner and his mother, *****************, is the designated beneficiary. ************************* has never been the owner or beneficiary of policy #**C490731.
  
  ************************* states in his complaint that he requested beneficiary change forms and never received anything.  Policy notes indicate ************************* called on June 12, 2023 requesting a beneficiary change form. According to our records, a beneficiary change form (copy enclosed) was emailed to ************************* at ********************** the address provided by during the June 12, 2023 phone call. There is nothing in our records indicating a completed beneficiary change form was received back from ************************* prior to his death. Consequently, ***************** remained the designated beneficiary.
  
  ************************* passed away July 2,2023. The claim was received on July 23, 2023 and a copy of ************** death certificate was received July 31, 2023. The claim was paid August 22, 2023. Since ***************** predeceased *************************, and there was no contingent beneficiary named, the proceeds of the policy would have been paid to *************************** estate. However, because there was a child support lien against ***************************, the proceeds were paid to the Office of the ***** Attorney General as required by ***** law.
  
  I trust this information is fully responsive to your inquiry. I regret we are unable to assist ************************* any further regarding this policy/claim. 

  Customer Answer

  Date: 09/27/2023

  I am rejecting this response because:   

  Policy number

  00C490731 for ******************************

  Dob 1-30-1962

  Customer Answer

  Date: 09/28/2023

  I paid for this policy after my mom passed. With her being gone and the beneficiary of this policy why didn't GL reach out and ask for changes to the *************? Instead, they continued drafting my account without communication of any kind. With the owner of the policy gone they continued to take money from anyone who would pay them. The only communication I have received from GL is thru BBB. 

   

• Initial Complaint

  Date:08/23/2023

  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.

  In February of 2023, I took out a $20,000 Term life insurance with a premium of $154.24 per month. The premiums were automatically deducted from my checking account. Due to inflation and only Social Security for income in mid June of 2023 I had to cancel this policy and sent the policy back to Globe Life with an enclosed letter requesting cancellation of the policy before the next premium deduction of July 5, 2023. This request gave Globe Life nearly three weeks to receive the policy and my request letter to cancel before July 5, 2023.On July 5, 2023 Globe Life deducted $154.24 from my checking account. I have called them and sent several emails requesting my refund. All I get in replies from them are automated emails stating that my request has been received and will be looked into. Last week I sent them an email stating that I was going to contact the BBB but, I got the same automated reply. I would like my refund of $154.24.

• Initial Complaint

  Date:08/14/2023

  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.

  Yearly life insurance premium of $160 was paid to United American Life Insurance *** in March 2023. My mother ***************************, the insured passed away April 11th 2023. I am seeking a refund of the premiums for the remaining 11 months. I have made many phone calls and faxed requested information with no response. I again called today 8/8/23 and was once again told they would submit my request to which I stated I have been told this every time I call and that the request has already been submitted. I asked to speak to a supervisor and was told one was not available. In my opinion a refund should have been sent without having to request it.

  

  Business Response

  Date: 08/24/2023

  We would like to thank ***** for reaching out to us regarding the unearned premiums.  It is standard practice when a death claim is filed, to return the unearned premiums with the death benefit.  In this case our office had an assignment from American Funeral Finance.  The Face Value of the policy, plus $133.33 in unearned premiums was paid for the funeral service.  The check was issued on August 9, 2023.

  Customer Answer

  Date: 08/25/2023

  I have reviewed the business response and accept this resolution.  I did finally receive a check in the mail of the request refund. However the customer service at your ********************** is very poor. Every time I called I would be transferred several times ( one time I was transferred 5 times!) and no one ever had a good answer or seemed to be aware of any of m previous calls. They would just say "I'll put in the request" It's hard enough to lose your mother without all the added grief.

• Initial Complaint

  Date:06/08/2023

  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.

  01/15/2023 I wrote a check in the amount of $1.00 to Global Life. I was applying for their "promotional $1.00 for the first month premium life insurance policies". I received a call and completed my applicated. A couple a weeks later I received a letter that they could not extend coverage to me due to my medical conditions. After about a month, I never received a refund of my premium I paid so I called the number listed on the letter that I received in the mail. Unfortunately, I couldn't reach a live person. So, after much navigating and effort, I decided to call the number to sign up for new insurance and finally reached a live operator who routed me to someone who could told could answer my question. I asked the representative when I would receive the 1.00$ premium that I paid, she said that once an applicant is denied for coverage, they issue a refund check and I should receive the check in the mail in a couple of weeks. So that conversation was in February. Sure I could have called the bank by now but why should I. My bank charges a fee to cancel a check. In some cases they waive the fee. I've contacted this company via email several times. Each time, they take through the hassle. They want me to verify my name, my address, my date of birth, my policy ( which I've never had) and repeat this process and do nothing to resolve the issue. All the while keep my money.

  

  Business Response

  Date: 06/21/2023

  **************,

  Thank you for your correspondence with Globe Life via the Better Business Bureau. Your correspondence has been forwarded to me for a response.

  The $1.00 premium refund for your account would have been mailed on or around January 27, 2023. The content of the correspondence would have been a single page letter and a one dollar bill. When a policy is not issued the one dollar introductory premium refund is issued in cash. If you are unable to locate this correspondence containing the one dollar bill please contact me directly, please see below, so I may be of further assistance regarding this matter. For your ease when speaking with our Company, the policy number associated with your name in our system is 0054H5687.

  Please contact me directly if I can be of any further assistance regarding this matter.

  **********************************
  Assistant General Counsel, Legal | Globe Life
  d: ************** | f: **************
  GlobeLifeInsurance.com
  **************************************
  

• Initial Complaint

  Date:06/05/2023

  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.

  While I was away on vacation I got 29 different solicitation junk mail pieces in my mailbox! This is harassment. I have never heard of or spoken with or mailed or emailed for any reason to the Globe Life Insurance Company of *************! I want it to stop. I will never purchase any of their services or products. Please help get them to take me off of their mailing list immediately. That you!

  

  Business Response

  Date: 06/13/2023

  ********************,

  Thank you for your correspondence, via the Better Business Bureau. Your correspondence has been forwarded to me for a response.

  We have placed the name of *******************************, with the address of ****************************************************************, on our Do Not Mail List. Please allow **** weeks as other mailings may have already been processed. If you should move, please let us know so we can update our list. 

  We regret any inconvenience this process may have caused. Please contact me directly if I can be of further assistance regarding this matter.

  Respectfully, 

  **********************************
  Assistant General Counsel, Legal | Globe Life
  d: ************** | f: **************
  GlobeLifeInsurance.com
  **************************************

  Customer Answer

  Date: 07/20/2023

  Ever since the BBB complained about the excessive junk mail I have been getting from Global Life, they craftily changed the spelling of my last name to "Albaneese" and now I am getting approx 1 piece of junk mil from them a day. I received 7 pieces in one week the last time I checked my mailbox. I live in a high rise building and use that condo as a second home so I am only there once a week or two. Every time I go my mailbox, which is small, it is stuffed with Global Life's junk. It prohibits me from getting my regular mail and my letter carrier is annoyed with the situation. I will never use this company for life insurance or anything else and I want them to take me off their mailing, calling or texting list permanently! Please help! Much thanks! -****
  

   

   

  Customer Answer

  Date: 07/24/2023

  I apologize. I got the address wrong. Global Life is burying me in unwanted junk mail at my office: ****************************************************************************************************** under the mis-spelled name of "**********************". Please update file to correct address. Thank you!

  

  Business Response

  Date: 08/07/2023

  Mr. ********:

  Thank you for your follow up correspondence with Globe Life. The address ******************************. ********, ** *****, has been placed on our Do Not Mail list. This placement has been modified to include any name at this address. If you have a unit number or box number to add to this address or another address you wish to have placed on the Do Not Mail list please provide them to my direct attention. 

  Please allow **** weeks as other mailings may have already been processed. If you should move, please let us know so we can update our list.

  We regret any inconvenience this process may have caused. Please contact me directly if I can be of further assistance regarding this matter.

  Respectfully, 

  **********************************
  Assistant General Counsel, Legal | Globe Life
  d: ************** | f: **************
  GlobeLifeInsurance.com
  **************************************

• Initial Complaint

  Date:05/30/2023

  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.

  I got a quote online for life insurance and opted to not proceed with the company. Since then, I receive no fewer than 10 pieces of mail per month from this company, with some documents appearing official. I don't accept this frequency of mail from companies I do business with. I tried to call the company and after tangling in their automated system, it was clear that they either want to either sell you insurance or service your policy. They do not want to take a call from me asking them to take me off their mailing list. Very simple request and I don't have to beg. I'm hoping for resolution here so I don't have to contact the ********** of ******* and Insurance, so they can focus on more major issues. I'm sure plenty of people are experiencing this barrage of mail with our names and addresses on applications for scammers to get ahold of.

  

  Business Response

  Date: 06/06/2023

  ************,

  Thank you for your correspondence with Globe Life via the Better Business Bureau. Your correspondence has been forwarded to me for a response. We regret any inconvenience you may have encountered while using our phone system.

  We have placed the name and address provided in your complaint on our Do Not Mail list. Please allow **** weeks as other mailings may have already been processed. If you should move, please let ** know so we can update our list. 

  Again, we regret any inconvenience these mailings may have caused. Please contact me directly if I can be of further assistance regarding this matter.

  **********************************
  Assistant General Counsel, Legal | Globe Life
  d: ************** | f: **************
  GlobeLifeInsurance.com
  **************************************

  Customer Answer

  Date: 06/06/2023

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  Date:03/18/2023

  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.

  In November of 2022 I CANCELLED my Policy with Globe Life. The reason is I left the company I was working for at the time and I was insured at my new employer. On March 15 2023 Globe Life withdrew ***** from my account. My initial phone call back in November was that I DID NOT owe anything and my Policy was cancelled. I called Globe life DEMANDING my money back. They said it was a error in there part. BUT now I have to jump through hoops to receive my refund This company knew what they were doing and make the EX Policy holder to go through to many obstacles to receive a refund for a Mistake they made.Its criminal they was able to preform a unauthorized transaction in the first place. I wanted to let BBB know and there clients know what type of company they are dealing with.

  

  Business Response

  Date: 03/27/2023

  March 27, 2023

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

  ****************** SE

  ********, ** *****

  RE: 91723548

  Dear ***********************,

  We have been unable to locate an active/inactive policy for ***********************, ****************** SE, ********, ** *****. At your earliest convenience, please forward the policy number to my direct attention at ***********************************, so I can review this matter.

  Sincerely,

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

• Initial Complaint

  Date:02/26/2023

  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'm Writing In Regards to My Life Insurance Policy I've had with the company for over 10 years I noever received my Bill for payment whi h was do February 5, 2023 So I called on Feb 6 2023 After being transfer for over 20 minutes to different agent finally I want told the Insurance lapse do to my age 80 years old and it term life No ever send out a letter in advance to let me and still havent send a letter out as of yet know so I wrote to the ***** of ********* at Globe Life Insurance on February 8 2023 I payed extra where they must sign for the letter it February 26 2023 still no response I feel that if I outlived the age limit they such just charge a little extra money I turn 80 last year and now they want to lapses the Policy #********* so I'm lefted without Burial Life Insurance and there upset that I called to find out what was the problem very Disrepectful And UnProfessional totally Confused.

  

  Business Response

  Date: 03/13/2023

  March 13, 2023
  
  *****************************
  ********************************. 2S
  ******, ** 11096
  
  Re:BBB Case #: 91718272
  Complainant: *****************************
  
  Dear *****************************:
  
  Your Renewable Term to Age 80 life insurance policy did not lapse, it automatically terminated pursuant to its terms February 5, 2023, the first policy anniversary after your 80th birthday. I have attached a copy of the policy contract for your review. The original contract was mailed to you at issuance in 2013 for your review and acceptance of policy terms.
  
  If you have not done so already, please contact our *************************** at ************** to determine whether you are eligible to apply for new coverage.
  
  Respectfully,
  
  **************************
  
  See Attachment/File: Dup Policy.pdf

  Customer Answer

  Date: 03/14/2023

  (The consumer indicated he/she DID NOT accept the response from the business.)
  I such have been informed in advance about this situation at my age who is going to gave life insurance I'm on A Budget.

  Customer Answer

  Date: 03/14/2023

  I Feel That why such I call to see if there's a deal for me send me the information if they have a different life Insurance for my age group that I can join are transfer the old policy to a whole life insurance this company will tell you one thing and went you call you get the I don't know and I don't think so from ********** still confuse and disappointed.

  Customer Answer

  Date: 03/16/2023

  ***Document Attached***
  Ive received a new term life insurance which last up to age 89 feom Globe Life why cant the term life insurance I have just be tranfered to the new term policy I will send picture just received it in the mail on march 15 2023 thank you
  See Attachment/File: 20230316_071640

  Customer Answer

  Date: 03/28/2023

  Good Day Would Like to know if Globe Life Insurances responded  to my Question that I ask on March 16 2023 about after being with the company for over 10 year are they willing to transfer the policy to the new term life insurance that last up to the age of 89 years old the respondents  was support to ask by March 27 2023 thank you

  

  Business Response

  Date: 04/14/2023

  April 14, 2023

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

  ********************************. 2S

  ******, ** 11096

  RE: 19841704

  Dear ********************,

  We have converted your expired Renewable Term to Age 80 policy to an active Renewable Term to Age 90 policy (See the new Renewable Term to Age 90 policy attached - the original contract has been mailed to you). The first premium payment for the converted policy is due August 5, 2023. A premium billing notice will be mailed to you ***** days prior to the due date.

  Please be sure to carefully review the terms of your Renewable Term to Age 90 policy contract, including the Benefit And Premium Schedule on Page 2.

  If you have additional questions regarding this matter, feel free to contact me directly at **************.

  Sincerely,

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

  Customer Answer

  Date: 04/17/2023

   I'm Very Please And Thankful For This Outcome   Thank You.

• Initial Complaint

  Date:11/22/2022

  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.

  I used this company for short term disability and they have made it very difficult to work with them. I have called them several times the last few weeks to inquire about my claim. I have been on hold for HOURS at a time, only to be hung up on. Inquired about my claim to be told someone would get back to me. After the deadline passed, they finally reached out to me and denied my claim saying they had never received the documents from my doctors. Why didn't they tell me that before the deadline passed. Unable to use their online portal that they promote so they don't have to take calls, and whenever I call to get help, I get hung up on.

  

  Business Response

  Date: 03/06/2023

  Business Response /* (1000, 5, 2022/12/05) */ Contact Name and Title: Elena M S********* Contact Phone: XXXXXXXXXX Contact Email: ems*********@globe.life Ms. *****, We were unable to locate a policy number with the information that was provided. Please contact me directly with the policy number for the policy in question so that we can provide assistance. Thank you, Elena M S*********

• Initial Complaint

  Date:11/01/2022

  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.

  On 8-30-2022, my account was debited for life insurance for my husband ******** ********. I called to inform Globe Life that he passed a few days prior (08-27-2022) and I need to file a claim for the policy he took out for the mortgage and my daughter in college. I emailed the death certificate to Globe Life and they instructed me to also send the documents to: Globe Life & Accident Insurance Services Division PO Box 8076 McKinney, TX 75070. I sent in the forms and the death certificate and never heard back from the company about processing my claim.

  

  Business Response

  Date: 01/25/2023

  Business Response /* (1000, 5, 2022/11/15) */ Contact Name and Title: Cheri Lawhon, Paralegal Contact Email: ********@globe.life Policy # ********** insuring ******** ********, is an accidental death and dismemberment policy issued effective 09/28/21 in the amount of $308,000.00. A policy print is enclosed for your reference. ******** ******** is the policy owner; ****** ******** is the designated beneficiary. ******** ******** passed **** 08/27/22. His death (natural causes) was reported by the beneficiary via telephone on August 31, 2022. Our Claims Department responded in a letter dated September 8, 2022, explaining that the policy only pays a benefit if the death is due to an accident, as defined by the policy. However, although this letter did reflect Mr. ********'s policy number, it did not show his name, nor was it addressed to ****** ********. This error has been brought to the attention of management in our Claims Department for further review. On 10/02/22, Globe Life received a claim from Mrs. ********. The death certificate received indicates Mr. ********'s death was due to diabetes mellitus II, hypertension, and hyperlipidemia, all natural causes. Claims did not immediately respond back to Mrs. ******** because a denial letter had just been sent on September 8, 2022. However, at the time, Claims was unaware that the denial letter was sent to the wrong beneficiary/address. After being notified of the error, Claims did send Mrs. ******** a proper denial letter on 11/14/22. A copy of this letter is enclosed. It is Globe Life's position that there are no benefits due under the above policy because ******** ********'s death was not accidental pursuant to the terms of the policy. Our Claims Department is in the process of refunding the premium payment that was drafted prior to notification of Mr. ********'s death. A copy of the check will be provided to you immediately upon receipt. I trust this information is fully responsive to your inquiry. If you should have any questions, please contact me via email. Consumer Response /* (2000, 7, 2022/11/16) */ (The consumer indicated he/she ACCEPTED the response from the business.) I don't have a choice. Unfortunately, my husband was sold a mortgage protection policy that he thought would pay for his mortgage if he would pass away and that was not the case. A bit of false marketing, but a warning for the future. Thank You BBB for getting the Company (Globe Life) to respond