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Old 11-19-2009, 06:32 AM
 
Location: Austin
1,477 posts, read 1,359,229 times
Reputation: 435

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A mother whose daughter was murdered is suing American Life Assurance of Columbus (AFLAC) because it has refused to pay the death benefit on life insurance the daughter applied for shortly before her death.

full story: Mother of murdered daughter tries to recover life insurance proceeds - Chicago Bar-tender (http://www.chicagonow.com/blogs/chicago-bar-tender/2009/11/mother-of-murdered-daughter-tries-to-recover-life-insurance-proceeds.html - broken link)

Last edited by CaseyB; 11-19-2009 at 10:07 AM.. Reason: copyright violation
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Old 11-19-2009, 06:36 AM
 
Location: Londonderry, NH
41,505 posts, read 49,595,785 times
Reputation: 24548
I am not surprised. After all what is more important; a grieving mother trying to provide a decent funeral for her murdered daughter or a microscopic increase in a private company's bottom line? In America the latter is always more important than the former.
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Old 11-19-2009, 06:45 AM
 
Location: west central Georgia
1,478 posts, read 935,897 times
Reputation: 524
National Recognition (2009)Aflac at a Glance
* In July 2009, Black Enterprise magazine included Aflac in its list of the Top 40 Best Companies for Diversity for the fifth consecutive year.
* In June 2009, Computerworld magazine placed Aflac at No. 29 on its list of the 100 Best Places to Work in IT. Aflac has been included on this annual list since 1999.
* In May 2009, the Reputation Institute in its Global Reputation Pulse report named Aflac as the most reputable company in the global insurance industry for the second consecutive year. In April, it recognized Aflac as the most ethical company in the U.S. insurance industry for the second consecutive year.
* In April 2009, the Profiles International Research Institute included Aflac in its America’s Most Productive Companies Best of the Best list.
* In April 2009, the U.S. Environmental Protection Agency awarded Aflac’s Paul S. Amos building the Energy Star, the national symbol for superior energy efficiency and environmental protection.
* In April 2009, Institutional Investor magazine named Aflac as the best in the Insurance/Life category for investor relations.
* In April 2009, City Business Journals Network selected Aflac as the top brand in the insurance and financial services industry, capturing the American Brand Excellence Award.
* In April 2009, Ethisphere magazine included Aflac in its list of the World’s Most Ethical Companies for the third consecutive year.
* In March 2009, Fortune magazine named Aflac to its list of America’s Most Admired Companies for the eighth year. Aflac was ranked the No. 1 company in the Life and Health Insurance category.
* In March 2009, Aflac Investor Relations shared the award for best investor relations Web site at IR Magazine’s U.S. Awards dinner. This was the eighth year that Aflac has been honored by IR Magazine.
* In February 2009, Fortune magazine named Aflac to its list of the 100 Best Companies to Work For in America for the eleventh consecutive year, ranking it No. 26.
* In February 2009, Training magazine included Aflac in its Top 125 list of companies with outstanding workforce development programs for the ninth consecutive year.
* In January/February 2009, Corporate Responsibility Officer magazine named Aflac to its list of 100 Best Corporate Citizens for 2009.
* In January 2009, Forbes magazine included Aflac in its annual list of America’s 400 Best Big Companies.
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Old 11-19-2009, 06:53 AM
 
Location: a nation with hope
13,155 posts, read 16,888,221 times
Reputation: 5009
I'm not impressed with that listing if they don't honor their contracts with customers:

AFLAC denied the claim due to "insufficient proof of loss" stating that it required the name of the person charged with the homicide. (The case is still unsolved.) Isn't a death certificate, and actual death and burial sufficient proof of loss?
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Old 11-19-2009, 07:04 AM
 
21,044 posts, read 19,020,990 times
Reputation: 5929
Quote:
Originally Posted by lizjo View Post
National Recognition (2009)Aflac at a Glance
* In July 2009, Black Enterprise magazine included Aflac in its list of the Top 40 Best Companies for Diversity for the fifth consecutive year.
* In June 2009, Computerworld magazine placed Aflac at No. 29 on its list of the 100 Best Places to Work in IT. Aflac has been included on this annual list since 1999.
* In May 2009, the Reputation Institute in its Global Reputation Pulse report named Aflac as the most reputable company in the global insurance industry for the second consecutive year. In April, it recognized Aflac as the most ethical company in the U.S. insurance industry for the second consecutive year.
* In April 2009, the Profiles International Research Institute included Aflac in its America’s Most Productive Companies Best of the Best list.
* In April 2009, the U.S. Environmental Protection Agency awarded Aflac’s Paul S. Amos building the Energy Star, the national symbol for superior energy efficiency and environmental protection.
* In April 2009, Institutional Investor magazine named Aflac as the best in the Insurance/Life category for investor relations.
* In April 2009, City Business Journals Network selected Aflac as the top brand in the insurance and financial services industry, capturing the American Brand Excellence Award.
* In April 2009, Ethisphere magazine included Aflac in its list of the World’s Most Ethical Companies for the third consecutive year.
* In March 2009,Fortune magazine named Aflac to its list of America’s Most Admired Companies for the eighth year. Aflac was ranked the No. 1 company in the Life and Health Insurance category.
* In March 2009, Aflac Investor Relations shared the award for best investor relations Web site at IR Magazine’s U.S. Awards dinner. This was the eighth year that Aflac has been honored by IR Magazine.
* In February 2009, Fortune magazine named Aflac to its list of the 100 Best Companies to Work For in America for the eleventh consecutive year, ranking it No. 26.
* In February 2009, Training magazine included Aflac in its Top 125 list of companies with outstanding workforce development programs for the ninth consecutive year.
* In January/February 2009, Corporate Responsibility Officer magazine named Aflac to its list of 100 Best Corporate Citizens for 2009.
* In January 2009, Forbes magazine included Aflac in its annual list of America’s 400 Best Big Companies.
That list has nothing to do with how they treat their customers (the OP)....looks like "business" patting 'business" on the back.
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Old 11-19-2009, 07:08 AM
 
Location: southwest TN
8,179 posts, read 14,273,226 times
Reputation: 14787
The only reason I can believe anyone would post a list like that, rather than discuss the topic is because they somehow benefitting from the company. What has the list of what others think of this company to do with the issue of not paying on the claim?

Not a darned thing, IMO.
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Old 11-19-2009, 07:13 AM
 
13,072 posts, read 11,080,583 times
Reputation: 2606
Quote:
Originally Posted by southward bound View Post
I'm not impressed with that listing if they don't honor their contracts with customers:

AFLAC denied the claim due to "insufficient proof of loss" stating that it required the name of the person charged with the homicide. (The case is still unsolved.) Isn't a death certificate, and actual death and burial sufficient proof of loss?
More details are needed.

I understand to an extent the insurance companies position. The police are unwilling to sign off on it and that is extremely important for the insurance company.

For instance, what if the insurance company simply pushed the claim through and paid it out only to find out that her death was somehow related in some way to her insurance and those who are the beneficiaries are found to be "involved". The money would be paid out and long gone and the chances of the insurance company getting their money back would be almost nil practically. Fraud is one of the biggest problems with insurance claims and a reason premiums are so high.

I agree this is unfortunate, but it isn't unreasonable to expect written acknowledgment from the police on these facts first.

She has every right to take them to court and maybe that process will result in the required components being given to the insurance company so they can pay it out. I honestly don't blame them for being careful here.
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Old 11-19-2009, 07:15 AM
 
2,857 posts, read 5,853,367 times
Reputation: 1704
Quote:
Originally Posted by Nomander View Post
More details are needed.

I understand to an extent the insurance companies position. The police are unwilling to sign off on it and that is extremely important for the insurance company.

For instance, what if the insurance company simply pushed the claim through and paid it out only to find out that her death was somehow related in some way to her insurance and those who are the beneficiaries are found to be "involved". The money would be paid out and long gone and the chances of the insurance company getting their money back would be almost nil practically. Fraud is one of the biggest problems with insurance claims and a reason premiums are so high.

I agree this is unfortunate, but it isn't unreasonable to expect written acknowledgment from the police on these facts first.

She has every right to take them to court and maybe that process will result in the required components being given to the insurance company so they can pay it out. I honestly don't blame them for being careful here.
So, you are saying that the insurance company is right to assume fraud, until proven otherwise? I thought it worked the other way around.
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Old 11-19-2009, 07:21 AM
 
25,351 posts, read 37,523,921 times
Reputation: 13271
If the family is totally rules out the ins. has to pay...JMO.
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Old 11-19-2009, 07:22 AM
 
13,072 posts, read 11,080,583 times
Reputation: 2606
Quote:
Originally Posted by domino View Post
So, you are saying that the insurance company is right to assume fraud, until proven otherwise? I thought it worked the other way around.
You are talking about criminal law, not business practice. A business who pays out without evidence constantly is a business that goes out of business. The police are unwilling to put it in writing and are the ones investigating the issue. If they are not willing to legally apply a stance (sign off on it), then why do you think the insurance company should? The insurance company takes the risk on the policy anyway and you think they should also take the risk on the payout when the evidence is not legally supported?

If they paid out without following proper policy legally, then they could easily be blamed as responsible for their monetary loss due to the fact that they did not follow proper legal procedure in their payout.

We need to push emotions to the side (as reasonable as it seems for people to be emotional) and evaluate the issue logically.
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