There are many factors that can influence a customer’s decision for choosing one company over another. Price, reputation, customer service or location can all weigh in on the final decision of who to sign with. This is no different when consumers make the everyday decision of which insurance provider to sign with for a life insurance plan. It is wise to do research on a potential provider before committing to any company for an instrument as important as life insurance. However, it is important to take the information displayed on any company’s website with a grain of salt. This is especially true when it comes to Western & Southern Life, a member of Cincinnati-based Western & Southern Financial Group. While their site proudly advertises a commitment to customer service, their actions may not actually reflect this when the time comes to make a decision on policy claims.
While there are many justified reasons or exceptions that an insurance provider can rely on when deciding to deny a claim. Some reasons may be suicide by the insured, excessive alcohol or drug use prior to death, or a number of other reasons. However, there are often times when a provider will reach pretty far to use one of these reasons as an excuse to deny a claim. They can simply deny a claim a see if the claiming beneficiary pushes back at all, as it really comes at no risk to them. Such is the case with Western & Southern Life.
While Western & Southern may advertise great customer service and maybe even display this during the insured’s lifespan, things can change dramatically following the insured’s passing. Since their “customer” is no longer around, it very easy for them to deny a claim and treat the insured’s beneficiaries with far less respect. Ultimately, they operate as a business and may not care so much about the feelings of the beneficiaries. In the long run, lining their own pockets by keep the policy payout on their side is more beneficial. However, this can result in lost potential business on the side of the beneficiaries that may be looking to reinvest their payout in to future life insurance policies of their own.
When faced with opposition from Western & Southern Life, do not go about fighting this battle alone. An experienced and qualified life insurance lawyer, much like the ones at our office, should be able to help you battle through the appeals process or further if needed.
If your Western Southern life insurance claim was denied, our life insurance lawyers will fight hard to get you the full amount of the policy.