Back to insurance complaintsJune 11, 2013
Insurance Company: American Senior Services, Inc.
Coverage Type: Life Insurance
- PolicyHolder Service - Delays/No Response
- Marketing & Sales - Misleading Advertising
- Marketing & Sales - Misrepresentation
- Marketing & Sales - High Pressure Tactics
- General - I feel abused by this company
I took out a Life Insurance policy with an over agressive agent by the name of Lydia Marquardt who misrepresented the policy.
The name of the insurance company is: KSKJ Fraternal insurance OR "AMERICAN SLOVENIAN CATHOLIC UNION. THEIR ADDRESS IS: 2439 GLENWOOD AVENUE, JOIET, IL. 60435. (NOTE I had to put "American Senior Services, Inc. because it would not allow me to put KSKJ Fraternal Insurance")
The policy was taken out for $5,000.00 with an anual premium of $338.85. I was 68 years of age, now I am 91 years old. The years have gotten away from me and I suddenly realize that I have paid into this in surance for 23 1/3 years for a total of $8,245.35. Which means that I have paid $3,245.35 over what the policy is worth.
The "CASH IN" quote value they gave me is $4,381.45.
I do not wish to continue premiums and I feel that the cash in value they quoted me is unaceptable.
As I understood it when the Marquardt woman came to my home in Joliet, IL. that it would be paid in twenty years.
What recourse do I have to either get my money back for misrepresentation by this ovedrly scrupulous agent or die!
I do not and will not continue con tributing to her bonus of $338.85 a year.
Please advise. Thank you for your cooperation
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June 18, 2013 at 7:10 PM
John, An insurance company is obligated to cash out your policy if you request it. If the policy limit is $5,000 and the cash out is $4,381.45 it probably makes sense to cash out the policy, invest it elsewhere or put it in the bank. The cash out value is based on a formula, so it may be a correct amount based on the type of policy you purchased. If this is a company you would like to forget about, cash out and leave them behind.