NEGATIVE, MINUS ZERO STARS

I wish I could give this ************ company zero stars, they definitely do not deserve even one star. I was diagnosed with permanent disability, so I had to put in a permanent disability claim. Unfortunately for me, the provider was FNBLIFE. FNBLIFE is the worst provider I have ever encountered. I couldn't even explain on here the level of ********* practices & unjust behaviour that was done during my claims process. Initially, the claim was rejected. A representative from FNBLIFE called me to tell me this. She explained the reason, I immediately told the representative that they are using the wrong date. It was clear that FNBLIFE did this inorder to reject the claim. I told her what date should be used & this was substantiated with tests & medical reports. The representative told me that's the date they going with and that's final. This is the unjust practices that FNBLIFE uses when dealing with sick & disabled people. I told the representative that I will be disputing this via the ombudsman. She went on to tell me that I shouldn't because it will not make a difference because the provider can then just change the reason for the rejection. She was intimidating me into accepting the rejection and to go away. It's just so disheartening that this provider does not care about their policyholders. This big, powerful company cannot practice ethical claims procedures. There are so many reviews with the exact same experience. Despite intimidating me, I contacted the Ombudsman and disputed the claim. I hope that FNBLIFE does the right thing here and I hope that they stop this horrifying and unjust practices.