National Life Insurance Complaint
National Life Insurance Company is a large US based life insurer offering a variety of insurance products. They also sell insurance through their subsidiary; Life Insurance Company of the Southwest. A company this large, selling complex insurance products through multiple channels, is bound to encounter customer complaints. Here we offer a solution when you have a National Life insurance complaint.
Any complaint against a life insurance company needs a starting point. Most complaints against National Life fall into a few categories:
Death Claims. Including delays and denials of death claims.
Living Benefits. Such as critical illness claim denials and low payout offers.
Policy Management. Including premiums increases, policy lapse, future values, and tax benefits.
Step-by-Step Instructions for National Life Insurance Complaints
Step 1: Locate your policy number.
You’ll find the policy number on the Declaration page and on any Annual Policy Statement.
Step 2: Have the full name of the insured.
Clearly identify the full name of the insured.
Step 3: Write a short summary of the reason for your complaint.
Either a death claim dispute or policy management dispute. Explain why you’re disagreeing with the insurer’s treatment.
Step 4: Include the date the problem became known to you.
Is this a new complaint or one that’s been going on for some time.
Step 5: Provide your full name and phone number.
Let us know who you are, how you’re related to the policy and how to contact you.
Step 6: Email it to us at Info@cflid.com, or fax us at (866)885-4074.
We’ll review the facts, determine the best way to resolve your complaint and act.
National Life Customer Service Problems
One of the biggest challenges, and frustrations of dealing with National Life is getting to speak to someone who understands your issue and has some authority to help. In most instances you only get to speak with a customer service representative who is reading a computer screen and seems to not know anything that helps resolve your dispute.
We’re different. We know the life insurance business and have been representing Policyholders and Claimants for 30 years.
Frequently Asked Questions
Q: Will it help if I call National Life and make a complaint?
Yes. There are standard processes that life insurance companies follow when they receive complaints. A big part of the complaint process includes the need for documentation and proof. So, it’s not enough to give a written account of how you were harmed and how angry you are. You need to demonstrate how you’ve been harmed.
Life insurers are looking for specific things that can prove you have a legitimate complaint, but they’re not likely to tell you what they’re looking for. Unless you have experience with the life insurance complaint process, your complaint isn’t likely to get your claim paid or your premium refunded.
Q: Can the Department of Insurance help me?
It’s best to think of a state’s Department of Insurance as an organization that has limited oversight and even more limited enforcement powers. A department of insurance oversees things like; the filing of new policies an insurer wants to sell in a State, proper form filings, an insurer’s financial requirements, licensing of agents, and other activities that have a lot to do with collecting fees. What a Department of Insurance doesn’t do is make life insurance claim decisions.
Q: How long will it take to resolve my complaint?
It can take weeks to months to resolve a life insurance complaint, depending on the type of complaint, the documentation needed and the parties involved. We strive to resolve complaints as quickly as possible.
Q: Can The Center for Life Insurance Disputes Help Me?
Yes. You may be a victim of insurance abuse also known as Bad Faith. Not every life insurance transaction goes smoothly. If a mistake has been made, it should be corrected. However, if you were intentionally lied to or if your life insurance claim has been wrongfully denied, you may need to take aggressive action. We have extensive experience and unequaled success settling complaints about life insurance policies.
Don’t wait for your policy to lapse or the premiums to become unmanageable. Get the recovery you’re entitled to.
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