1 reviews | Active since Aug 2024
Cancelling of my policy
To Whom It May Concern,
My name is Shane Luttig. I am submitting this statement to formally dispute the cancellation of my insurance policy with Capital Legacy and the allegation that I committed *****. I have been a policyholder with Capital Legacy for over four years, and I believe the cancellation of my coverage was unjust, unsubstantiated, and procedurally improper.
When I filed a disability claim recently, I was told that my policy was being canceled due to misrepresentation on my part. However, the documents I was sent by Capital Legacy are not the ones I originally signed. Specifically, they contain health-related answers that are inaccurate and do not reflect the truthful information I provided at the time. I immediately requested proof — including a copy of the original recorded conversation or signed documents — and was told that no such proof was available.
Additionally, I contacted the original broker who sold me the policy. He confirmed that he recalls my policy having a 2–3 month waiting period due to my disclosed health conditions at the time, including sleep apnea. He has stated he is willing to assist further if necessary and believes I answered the health questions honestly and in good faith. This directly contradicts Capital Legacy’s claim that I committed *****.
What concerns me most is that Capital Legacy refunded my premium and canceled my policy, rather than providing any transparent explanation or evidence. Their internal decision has left me uninsured, and as someone with a family, I am deeply worried about the consequences if anything should happen to me. This situation has caused me enormous stress, and I am relying on the Ombudsman process to help correct what I believe is a serious injustice.
I am not seeking anything unreasonable — only that Capital Legacy be held accountable for the decision they’ve made without evidence, and that my claim and policy be reviewed fairly based on the actual records and broker’s testimony.
I have preserved all WhatsApp conversations with my broker, email communications with Capital Legacy, and copies of all documents sent to me. I respectfully request that this matter be escalated if Capital Legacy does not resolve the issue within the 21 working days already allotted.
Thank you for your time and consideration.
Sincerely, Shane Luttig
We sincerely regret to hear about your experience and the frustration caused. Please accept our apologies for any inconvenience or lack of service/ communication you have encountered.
Please rest assured that we are prioritizing your matter. We will further investigate this matter to ensure it receives the urgent attention it deserves as we want to assure you that we are committed to resolving this issue.
Have a lovely day further!
Lesego Mabaso
Senior Client Care Team Leader
We sincerely regret to hear about your experience and the frustration caused. Please accept our apologies for any inconvenience or lack of service/ communication you have encountered.
Please rest assured that we are prioritizing your matter. We will further investigate this matter to ensure it receives the urgent attention it deserves as we want to assure you that we are committed to resolving this issue.
Have a lovely day further!
Lesego Mabaso
Senior Client Care Team Leader
This is not my first review on capital legacy they did reply to me with the same document that they emailed me when cancelling my policy
This letter is from my attorney so I just want to keep the public update on what capital legacy really stands for not what you advise as that is a lie
Will also post all your response to me so they can see it
The onbostman has forwarded my complaint to GUARDRISK LIFE LTD to try resolve the problem as well
Thanking you
Shane
This is not my first review on capital legacy they did reply to me with the same document that they emailed me when cancelling my policy
This letter is from my attorney so I just want to keep the public update on what capital legacy really stands for not what you advise as that is a lie
Will also post all your response to me so they can see it
The onbostman has forwarded my complaint to GUARDRISK LIFE LTD to try resolve the problem as well
Thanking you
Shane
Just a question what I know a lot of people are asking me is
HOW DOES CAPITAL LEGACY NOT TAKE RESPONSIBILITY FOR THERE OWN BROKER AND HOW DOES CAPITAL LEGACY NOT GET ALL RECORDING FROM THE BROKER THAT WAS DISBARRED AS THIS IS FLASHING WARNING LIGHTS
SO I THINK THIS WOULD BE GREAT IF YOU CAN GIVE US FEEDBACK SO WE ALL GET A CLEAR INDICATION ON WHO IS RESPONSIBLE FOR THE BROKER
THANK YOU
Just a question what I know a lot of people are asking me is
HOW DOES CAPITAL LEGACY NOT TAKE RESPONSIBILITY FOR THERE OWN BROKER AND HOW DOES CAPITAL LEGACY NOT GET ALL RECORDING FROM THE BROKER THAT WAS DISBARRED AS THIS IS FLASHING WARNING LIGHTS
SO I THINK THIS WOULD BE GREAT IF YOU CAN GIVE US FEEDBACK SO WE ALL GET A CLEAR INDICATION ON WHO IS RESPONSIBLE FOR THE BROKER
THANK YOU
The investigating agent has confirmed that this matter has been escalated to the Complaints Committee due to the complexity of the issue. A response has already been provided regarding the initial complaint from our side.
Lesego Mabaso
Senior Client Care Team Leader
The investigating agent has confirmed that this matter has been escalated to the Complaints Committee due to the complexity of the issue. A response has already been provided regarding the initial complaint from our side.
Lesego Mabaso
Senior Client Care Team Leader
The broker did confirm that his laptop and recording was hand over to capital legacy
Strange that an independent broker has a laptop from capital legacy!
You say that you don't know if he used his private phone or the recording line
Well this seams like a capital legacy and the disbard broker if he didn't hand in any recordings and was disbard don't you think the protocol is to contact all his clients to make sure he didn't not just sell policy for money or to protect the client
You also cancel my policy but you have the proof that it was signed by me the online paper trail is there for everyone to see but because I said that is not the document I sign as all my medical conditions was as all no and I know that it was not what I said when it was sold to me
This is why I had a 2/3 months waiting period
Capital legacy sells lies and people need to know what you stand for so that I can prevent other people not to get trapped in this situation
The broker did confirm that his laptop and recording was hand over to capital legacy
Strange that an independent broker has a laptop from capital legacy!
You say that you don't know if he used his private phone or the recording line
Well this seams like a capital legacy and the disbard broker if he didn't hand in any recordings and was disbard don't you think the protocol is to contact all his clients to make sure he didn't not just sell policy for money or to protect the client
You also cancel my policy but you have the proof that it was signed by me the online paper trail is there for everyone to see but because I said that is not the document I sign as all my medical conditions was as all no and I know that it was not what I said when it was sold to me
This is why I had a 2/3 months waiting period
Capital legacy sells lies and people need to know what you stand for so that I can prevent other people not to get trapped in this situation