Jump to content


Critical life cover still not paid out after 10 months.


queensclose
 Share

Recommended Posts

In 2017 I took out life cover which included critical life cover.   The broker asked the questions and filled the answers in.  I checked the signed.   When it come to medical questions I was able to in to my medical records and answer the questions truthfully 

 

nov 2020 I was diagnosed with a brain tumour.  This was covered by the policy and made the claim

 

i give consent to access my medical records and which consultants where involved

 

update come back from legal and general informing me records received but further information is needed from the hospital.

another update come back saying the consultant had failed to answer the question and have sent another letter to the hospital  requesting the information.

another update come back saying the question is still unanswered and further information is needed

 

i called legal and general who said it’s with and assessser and she could not tell me what the question was.

I received an email 5 minutes later with and update informing me that the records included a “ tia following a collapse in 2014. No other details were provided around this” 

 

I have no recollection of this and certainly not in my records. Although I did collapse in 2012 and taken to hospital.   This was put down to the death of my mother and no further treatment was needed

 

they said because the hospital have failed to answer the question they would write to my GP
i got an update saying the GP  failed to answer the question and would be writing to them again

another update.   The GP had again failed to answer the question 

the update informed me  yesterday that they are unable to proceed and would therefore refer it to an underwriting team

 

every time they have received replies from the doctor or hospital. legal and general have a six week turnaround time.  Hence 10 months later this still not been resolved 

and now I’ve got to wait for the underwriting team

 

how do I go about complaining 

 

 

:???: what me. never heard of you never had a debt with you.
Link to post
Share on other sites

Hi. I'm sorry to hear about your problems just when you don't need them. 

 

I think @unclebulgaria67might know more than I do about complaining but do you have a copy of L&G's complaints procedure? Normally you give them eight weeks to resolve your issues and then you go to the ombudsman but there could be a different way to do it.

 

HB

Illegitimi non carborundum

 

 

 

Link to post
Share on other sites

Normally if a complaint is urgent due to circumstances, you need to tell the Insurance company that they will need to accelerate the complaints process, resolve it quickly or issue a final response so the FOS can be approached without delay. Provide reasons for this and that complaint timescales are not appropriate.

 

Suggest you also contact your GP to ask about the L&G requests sent to them. L&G are wanting to ensure there is nothing on your medical records that would prevent them paying out.

 

 

 

https://www.legalandgeneral.com/existing-customers/contact-us/making-a-complaint/

 

Life Cover

This covers Life Cover, Mortgage Life Insurance, Critical Illness Cover, Over 50s Life Insurance and Parent Free Cover.

Email:

[email protected]

Please include your phone number, so we can call you about your email Monday to Friday between 9am to 5pm. When sending emails you should not include any personal, financial or banking details, as this method is not a secure way of supplying information.

Phone: 

0370 010 4080 (for issues relating to Legal & General Assurance Society).
9am to 5pm, Monday to Friday. We may record and monitor calls.

Letter:

Legal & General Assurance Society Limited
City Park
The Droveway
Hove
BN3 7PY

 

 

  • Like 1

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...