Assurity Life Insurance Company

After a reasonable delay to give Assurity time to rethink their position AND give others time to apply some pressure ---- this ex-policy holder re-applied as requested by Assurity's rules. Expecting higher premiums, in spite of Assurity's statement "not all terminations and reinstatements end with higher premiums", i was surprised to receive their reply.

"Your history of heart palpations and your use of prescription drugs places you in a category of high risk and Assurity cannot accept your re-instatement. " No mention of return of premiums. [One of my scripts is older than the policy itself, in fact it made the policy $200 more expensive per year for its appearance in my history.] Now it contributes to my highrisk dismissal. My response to this would be, had they asked for one : "my scripts end my heart palpations and insure my long and claim-free life.

No such heart trouble will ever create a claim, while i continue to remain pro-active and pursue professional medical advice. Only the uncaring individual would not pursue a cardiologist's suggested action and not taking a scripted drug and go untreated until such inaction finally produced heart troubles ending in a claim for heart attack or stroke or both. The untenable position that using a cheap, common low-dose drug is creating a high-risk individual is just further proof that Assurity is using excuses to clean their spreadsheets of unwanted clients after years of premiums have been paid, while preventing any such "highrisk" person from ever creating conditions for a payout. They should be required to return all premiums with interest, OR be required to keep policies active when clients wish to remain enrolled.

I'm seeking legal assistance to make this company clean up their act and behave responsibly. I need an advocate on my side to help with this. I have now lost either: 1.) all years of $1560 premiums per year OR 2.) from One to Four payouts as claims should i ever get cancer or demensia or another of their critical illnesses for this Critical Illness Policy. Terminated for 7 days late payment in covid times, and not reinstated for using a heart calming drug instead of a short surgery to fix a minor palpatation, i am simultaneously being punished by my insurer and congratulated by my cardiologist for being a model patient and maintaining good health by taking his advice for 6 years.

He waves my "normal " EKG in the air and calls my insurer an unrepeatable name for their behavior in 2020. "Do you prefer to be Healthy on your sailboat this season (and all seasons) or in possession of a $50,000 claim, in a hospital bed with an end of life critical illness.?" Sue them for reinstatement or a return of your premiums and celebrate your good health. I'm spending $0.29 per day for a healthy heart for the rest of my long life.

Someone please guide me to help make Assurity Life, Inc. behave properly and not just make themselves rich by sweeping some of the 'high-risk insured' out of their 'family' of premium paying clients.

I sent a personal letter of explanation as to how covid resulted in a forgotten payment after a company rep. suggested doing so..

I Explained that two payments to another insurer went out instead of one to each. The other insurer returned the dual payment, but surface mail [being turned off for the out-of-state trip - for covid] hid both errors in payments.One month later I added a graph with a chart showing their 60 day grace-period for covid [illustrating how short and hidden it is] among the long duration of covid interruptions to my state's businesses and to my personal life both within and in-exile from my home state.. I have sent the expected payment, not by any means allowable on the web page of the company, but by a separate means altogether. No response, no change of policy status, nothing from the company about reinstatement.

I am a forgotten client, not worthy of a response, after a seven year history of premium payments and no claims. This for having missed a surface mail notice of non payment.

Virus vaccinations were available [for my age group] 9 days later than Assurity's 60-day extension for payments permits. It is as if the company is using any small technical mistake to release clients from coverage [thus keeping all previous premiums [in my case $12,500] and doing so while simultaneously boasting that their generous covid-relief measures are saving clients from losing benefits for non-payment of premiums.