Unacceptable and shockingly bad

⭐️ My Experience with BrightRock Insurance — Extremely Disappointing

I am absolutely appalled by my experience with BrightRock Insurance.

I have a Temporary Income Protector policy because, quite simply, when you are unable to work and lose your income, you need that money when you need it — not months later.

Unfortunately, this seems to be something BrightRock has completely forgotten.

Five years ago, I submitted a Temporary Income Protector claim. It took THREE MONTHS before I was finally paid. Three months! That defeats the whole purpose of income protection.

Now, five years later, I have another claim — and once again I am experiencing an incredibly frustrating claims process. I have now been dealing with BrightRock for NINE WEEKS, with endless back-and-forth, supplying documents, answering questions and waiting.

And after nine weeks, I am now being told that they are probably not going to pay my claim.

The reasons being raised include that I am allegedly overinsured, and that the bank accounts and documentation I supp**** apparently do not adequately prove my income.

I find this extremely difficult to accept.

What makes the situation even more frustrating is that Momentum received exactly the same documentation from me and paid my claim within TWO WEEKS.

So how is it that one insurer can assess the same documentation and pay a legitimate claim within two weeks, while BrightRock can take nine weeks and still apparently be looking for reasons not to pay?

Every step with BrightRock seems to take another five to eight business days just to review documents or respond. You wait, you follow up, you provide more information, you wait again — and then another issue seems to appear.

At this point, I honestly feel completely let down.

I have paid premiums because I believed I was buying financial protection for exactly the circumstances in which I would need it. Yet when the time comes to actually rely on that protection, the process feels like an obstacle course.

My experience over the last five years has been incredibly disappointing, stressful and, frankly, shocking.

I cannot understand how an insurance company can take premiums for years, but when a customer actually needs the protection they have paid for, the claims process can become this difficult and drawn out.

Based on my own experience, I would not recommend BrightRock for income protection.

Think very carefully before trusting them with your financial security. My experience has been that when you need the money urgently, you may have a very long wait — and an exhausting fight — before you know whether you are actually going to receive it.