IM
Ivy M
1 reviews | Active since May 2013
19 Mar 2015, 10:40
Policy Upgrading
My name is Ivy Moimane, ID ***. I have had a life policy with 1Life for 4 years if i remember correctly. I received an sms in Jan 2015 saying i qualify to increase my cover from 750K and an email to say because of my loyalty they are giving me a 50K funeral cover for free. In the interim of voluntarily wanting to increase my cover i was suppose to submit my HIV results which i did not. But now i wanted to increase it irrespective of my results and i am told they cannot and i can only keep what i have because i have been diagnosed with thyroid cancer in Feb 2015. I find their underwriting unfair due to exclusion while i have had a policy with them for so long. And this is permanent, it will never change until i probably die. Its like excluding and HIV person and the condition came about long after you had the policy. I am willing to pay more to be covered so my child can a better life and they are telling me I cant. Worse i cannot cancel as i will lose all the money i have been paying over the years. They were so quick to activate a cancer policy without my permisssion and i cancelled it because i was not aware until this year that i would have cancer. Its non sense.
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1Life's replyOfficial
20 Mar 2015, 10:18Hello moimane01,
Thank you for bringing this matter to our attention.
I have been informed that a consultant has contacted you.
As discussed, the cover you took out 4 years ago was based on your risk and medical profile at the time. When you called to increase your cover, underwriting was then done on your current risk and medical profile, hence we could only to offer our Accidental Death Benefit which is only on the increased portion of the sum assured. The sum assured and the cover you initially took up will remain the same.
We have kept your life insurance policy unchanged as per your request without the increased amount.
We do apologise for the inconvenience that this matter has caused you.
Should you wish to discuss the matter further, kindly contact our Resolutions Department on ***.
Kind Regards,
Kenan Angrik.
Thank you for bringing this matter to our attention.
I have been informed that a consultant has contacted you.
As discussed, the cover you took out 4 years ago was based on your risk and medical profile at the time. When you called to increase your cover, underwriting was then done on your current risk and medical profile, hence we could only to offer our Accidental Death Benefit which is only on the increased portion of the sum assured. The sum assured and the cover you initially took up will remain the same.
We have kept your life insurance policy unchanged as per your request without the increased amount.
We do apologise for the inconvenience that this matter has caused you.
Should you wish to discuss the matter further, kindly contact our Resolutions Department on ***.
Kind Regards,
Kenan Angrik.
Best regards,
1Life's reply20 Mar 2015, 10:18
Official
Hello moimane01,
Thank you for bringing this matter to our attention.
I have been informed that a consultant has contacted you.
As discussed, the cover you took out 4 years ago was based on your risk and medical profile at the time. When you called to increase your cover, underwriting was then done on your current risk and medical profile, hence we could only to offer our Accidental Death Benefit which is only on the increased portion of the sum assured. The sum assured and the cover you initially took up will remain the same.
We have kept your life insurance policy unchanged as per your request without the increased amount.
We do apologise for the inconvenience that this matter has caused you.
Should you wish to discuss the matter further, kindly contact our Resolutions Department on ***.
Kind Regards,
Kenan Angrik.
Thank you for bringing this matter to our attention.
I have been informed that a consultant has contacted you.
As discussed, the cover you took out 4 years ago was based on your risk and medical profile at the time. When you called to increase your cover, underwriting was then done on your current risk and medical profile, hence we could only to offer our Accidental Death Benefit which is only on the increased portion of the sum assured. The sum assured and the cover you initially took up will remain the same.
We have kept your life insurance policy unchanged as per your request without the increased amount.
We do apologise for the inconvenience that this matter has caused you.
Should you wish to discuss the matter further, kindly contact our Resolutions Department on ***.
Kind Regards,
Kenan Angrik.
Best regards,