Christopher's complaint:
September 29, 2014

Insurance Company: State Farm Insurance
Coverage Type: Life Insurance

• Underwriting - Premium Too High
• Underwriting - Unfair Surcharge
• PolicyHolder Service - Payment Not Credited
• Claim Handling - Delays upon Delays

I started the life insurance policy shortly after buying a home to cover home expenses etc. The payment per month was $25.00 per month. But after my health screening it went up to 47.00 per month. The reason it went up was because my physician prescribed me an inhaler because I had been recovering from flu like symptoms and I was needing to continue to train to prepare for a 230 mile bike ride. So, the doctor wrote \"asthma like\" symptoms.
So, the nurse reviewing this for the insurance company said I had to get a note from the doctor that stated I do not have asthma.
The doctor provided this note and it was provided to the nurse. The nurse then insisted that I would have to have a pulmonary function test performed and then that would satisfy the health screening and I would get the lower rate. I have now had the pulmonary function screening and have asked my Insurance agent to submit this information and have my monthly payment reduced to the $25.00 and refund me the difference that I have over-payed these many many months.
So, far the agent has not done anything and I have provided all the information that was asked. I have called and emailed the agent and I have not heard back at all.

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