Consumer Protection Law

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I have a life insurance policy that is diminishing in spite…

Customer Question
I have a life...

I have a life insurance policy that is diminishing in spite of payments being made. I think the co. Is trying to force me to drop them. What kind of lawyer should I look for who would know if this is fraud?

Lawyer's Assistant: Because consumer protection law varies from place to place, can you tell me what state this is in?

West Virginia

Lawyer's Assistant: Has anything been filed or reported?

They have been sending me grace period letters. My payments were set up as quarterly and when I go online to make payments they still say make $52 payment yet I have paid larger payments and now am paying them monthly but the latest letter is for $1300

Lawyer's Assistant: Anything else you want the lawyer to know before I connect you?

I asked them for a copy of their table to see what I was supposed to be paying based on age since that has changed twice . They refused to send me one and told me to check my original from 1994 which I don’t have

Submitted: 3 months ago.Category: Consumer Protection Law
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Answered in 2 hours by:
3/13/2018
Consumer Protection Lawyer: Bill Attorney, Lawyer replied 3 months ago
Bill Attorney
Category: Consumer Protection Law
Satisfied Customers: 2,432
Experience: Attorney
Verified

Dear Customer ,

Thank You for posting your insurance law question this evening. I'm attorney Bill assisting you.

The life company is required to honor the policy of insurance and send you and respond to your information requests in relation to the schedule and calculation of annual/ monthly payments.

The insurance company could well be engaging in deceptive and unfair consumer practices which is contrary to consumer law.

If you suspect the company to be involved in fraud in relation to your payments and protection you should contact the Department of Insurance to file a complaint:

West Virginia Division
of Financial Institutions*****br />Suite 306
Charleston, WV 25302
Phone:(###) ###-####br />Fax:(###) ###-####/p>

or the Insurance Commissioner

http://www.wvinsurance.gov/

We are here to help so please follow up with me as required.

I'm an independent legal expert and rely ion your positive feedback to get a credit for my time today.

You do this by rating 5*****, 4**** or better.

FIVE STARS or your rating is much appreciated.

Thank You

Attorney Bill

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Customer reply replied 3 months ago
What information would I need to provide to the insurance commission office?
Consumer Protection Lawyer: Bill Attorney, Lawyer replied 3 months ago

You need to provide your policy number, details of your policy and a description of the complaint against the insurer. There should be an online form or you can write out to them.

I sent you the link above.

We are here to help so please follow up with me as required.

I'm an independent legal expert and rely ion your positive feedback to get a credit for my time today.

You do this by rating 5*****, 4**** or better.

FIVE STARS or your rating is much appreciated.

Thank You

Attorney Bill

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DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

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