Poor service for capital legacy

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