UHL Calling Me on Contestable Claim. NEED ADVICE!

[Macker77]

I have seen a few on here posting about how different carriers are "investigating" claims on policies taken out less than 2 years. Understandable. Even a few post on UHL. I am being called by UHL rep on a customer who died about 6 months ago, just shy of the 2 years.

They are asking me all sorts of questions that I am not sure I should or want to answer. They are asking if I replaced her policy, what was the reason why she took insurance, what meds and conditions did she tell you. My question is am I under any obligation to give them this? I feel as if they are phishing.

I feel as if they are just looking for a reason not to pay it out. If I say the wrong thing they may deny his claim. If I refuse to help them will they cancel my appointment? Shouldn't they be just going on what they have? And not what they are asking me?I put a crazy amount of business through UHL regularly so now quite concerned. And honestly starting to re-think using them in the future. Maybe I am just overreacting?

 

[John Galt]

I have seen a few on here posting about how different carriers are "investigating" claims on policies taken out less than 2 years. Understandable. Even a few post on UHL. I am being called by UHL rep on a customer who died about 6 months ago, just shy of the 2 years.

They are asking me all sorts of questions that I am not sure I should or want to answer. They are asking if I replaced her policy, what was the reason why she took insurance, what meds and conditions did she tell you. My question is am I under any obligation to give them this? I feel as if they are phishing.

I feel as if they are just looking for a reason not to pay it out. If I say the wrong thing they may deny his claim. If I refuse to help them will they cancel my appointment? Shouldn't they be just going on what they have? And not what they are asking me?I put a crazy amount of business through UHL regularly so now quite concerned. And honestly starting to re-think using them in the future. Maybe I am just overreacting?

I have only had 2 contestable deaths in the last 2 years. One with 5 star and one with Foresters. 5 Star never even called me or sent an email. Foresters sent me a questionnaire that I filled out asking some similar questions but not so detailed. No questions on meds used or conditions, just general questions about the PI. I wish you well.

 

[Buff Minorcan]

Answer the questions honestly and I assume you'll be fine.

 

[Newby]

I have seen a few on here posting about how different carriers are "investigating" claims on policies taken out less than 2 years. Understandable. Even a few post on UHL. I am being called by UHL rep on a customer who died about 6 months ago, just shy of the 2 years. They are asking me all sorts of questions that I am not sure I should or want to answer. They are asking if I replaced her policy, what was the reason why she took insurance, what meds and conditions did she tell you. My question is am I under any obligation to give them this? I feel as if they are phishing. I feel as if they are just looking for a reason not to pay it out. If I say the wrong thing they may deny his claim. If I refuse to help them will they cancel my appointment? Shouldn't they be just going on what they have? And not what they are asking me?I put a crazy amount of business through UHL regularly so now quite concerned. And honestly starting to re-think using them in the future. Maybe I am just overreacting?

You are way overreacting. Just give them honest answers. You'll be fine.

If it was a replacement hopefully you fill out a replacement form that is for your protection. If you didn't fill out the form that's I don't know how big a deal it is but that's not good you should always do that .

 

[Todd King]

Yes, you are under obligation to the company to answer the questions to the best of your ability.

You are right that they are looking for a reason not to pay the claim. Most companies are that way. Still though, the best thing you can do is to answer those questions to the best of your ability. By the few questions that you posted that they are asking and considering the time frame, it sounds like they are about to the end of their rope and can't find a reason for the decline...at least medically.

It wouldn't matter if it was UHL or Podunk Mutual, this is not unusual. Just go with the flow and go on about your life.

 

[Agentguy5]

My question is am I under any obligation to give them this? I feel as if they are phishing.
I feel as if they are just looking for a reason not to pay it out. I put a crazy amount of business through UHL regularly so now quite concerned. And honestly starting to re-think using them in the future. Maybe I am just overreacting?

Don't sweat it, just answer all questions honestly. You will be fine.
FYI, there are better carriers to send most of your business to, why don't you consider using one of them in the future?

 

[rousemark]

I have seen a few on here posting about how different carriers are "investigating" claims on policies taken out less than 2 years. Understandable. Even a few post on UHL. I am being called by UHL rep on a customer who died about 6 months ago, just shy of the 2 years.

They are asking me all sorts of questions that I am not sure I should or want to answer. They are asking if I replaced her policy, what was the reason why she took insurance, what meds and conditions did she tell you. My question is am I under any obligation to give them this? I feel as if they are phishing.

I feel as if they are just looking for a reason not to pay it out. If I say the wrong thing they may deny his claim. If I refuse to help them will they cancel my appointment? Shouldn't they be just going on what they have? And not what they are asking me?I put a crazy amount of business through UHL regularly so now quite concerned. And honestly starting to re-think using them in the future. Maybe I am just overreacting?

First of all.. take the amount of premium she paid and put it your left pocket... Now, take the face amount of the policy out of your right pocket and put it on the table in front of you...Now, then if you are paying the claim out of your pocket, wouldn't you want to be sure you owed the money before paying it? Wouldn't you feel you had an obligation to make sure you owed the money before you took money away from them to pay the money over to someone else? Of course you would!

That is the position the company is in. It is not a case of them trying to "get out" of paying a claim, it is a case of their responsibility to only pay claims that they actually owe. If they pay claims they do not owe, it weakens the company, putting the coverage of their other policyholders at risk and robs the shareholders of money that they are entitled to.

Now, as far as answering questions, if you were honest in filling out the app, you have nothing to worry about. Just continue to answer honestly. If you participated knowingly in an act of fraud against the company, see an attorney.

 

[WinoBlues]

What they all said. Just answer the questions honestly.

I have done dozens of these. Some for hundreds of thousands of dollars. Some on apps that had not even been sent in yet.

Just answer the questions and make some appointments to cover the chargeback..... Sorry. just kidding.

 

[Cyborg7]

They'll most likely deny the death claim

 

[finalexpenseguru]

They'll most likely deny the death claim

If it's a contestable claim, brace for full charge back with UHL.