JL
Johan L

1 reviews | Active since Jun 2009

11 Jun 2025, 18:34

You cannot trust Different Life, even though they are underwritten by Old Mutual

My husband had a life insurance policy with Different Life. We were married for 24 years and dated for 2 years before that. He was never sick other than the odd cold and work stress. He was hospitalized on 27 May 2024 and diagnosed with a malignant brain tumor on 22 July 2024 and passed away on the 19th March 2025. I reported the claim to Different Life and sent the last of the supporting documents to them on 14 April 2025. I checked with the agent helping me whether she needed anything more from me. She assured me that they had all the information that they needed. I kept phoning every few days for updates. I was told that the claim was approved and that the money would be in my account by the latest 26 May 2025. I can't get hold of her anymore, she doesn't answer or return calls (they have claimant's numbers saved so they can see who is calling). Her manager has taken my claim over. They can only find the voice recordings that are convenient for them. They say that they have found an entry on a GP's report stating that my husband visited her with a complaint of insomnia which he never disclosed. I asked for the sales voice recording. He said on the recording that he took Cipramil (an anti-depressant). They say that they asked for the condition not the medication. The calls are recorded but they "can't" find the call in which I was told that my claim was approved and gave 26th May 2025 as the payout date. The recording didn't sound complete, on investigation I found that there were 4 calls, not 1. They sent me the 2nd recording. The 1st recording revealed that the policy was sold to my husband in 2018. There was a payment default in 2019 and they phoned him to tell him that his policy had expired and sold him a new one. In the 2018 recording my husband states that he takes medication for work related stress. They say that the 2018 recording has no bearing on the claim as the claim is against the policy bought in 2019 even though it is the same person with the same medical history. Had there not been a payment issue in 2019, the 2018 policy would still have been in place at the time of his death. Then they would have found another reason to not pay. I have not had the luxury of grieving my husband's death. My time and thoughts are taken up with fighting to get the money for the policy that my husband took out to protect the children & I in event of his death.

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Replies (1)
Different Life
Different Life's reply12 Jun 2025, 09:33
Official
Good Morning Johan,

We are deeply sorry to hear about the passing of your husband, and we extend our sincerest condolences to you and your children during this incredibly difficult time. We understand that you expected support and clarity from us during a time of immense personal loss, and it is clear we have fallen far short of that expectation. The issues you've raised regarding communication breakdowns, conflicting information, and the handling of your claim are severe and do not align with our commitment to our clients. We have escalated this issue and one of our managers will be in contact.