VB
Veronique B
1 reviews | Active since May 2013
11 Dec 2024, 15:49
Liberty won’t say what your cover, that they happy to take your money for, covers you for, until you submit a claim!
Apart from the fact that Liberty has been giving me basically no guidance or service for 30+ years of loyalty, which has resulted in me shopping around for alternatives now, I have posed a couple of simple question to my broker namely: 1: what exactly am I covered for in my life/dread/enability cover (as I’ve had this cover for about 30 years with no exclusions and would like a print out). I received the print out - yet, there’s an entire section seemingly missing - ie digestive tract and organs. So I ask my broker where this section is and/or if a major organ like liver or pancreas causes a problem or the digestive tract gets diagnosed with something… where does that fall under. It takes 2 weeks to get back to with a reply from Liberty which says, “you’ll only find out when you claim what you’re covered for!” Seriously!!!!!! Do you guys even want to keep me as a customer or shall I just cancel and go to the competition who’s offered me way more cover at basically the same premium. Liberty. I want an answer. Can someone who is knowledgeable on all Liberty Risk products please call me and email me a comprehensive pdf reflecting ALL the apparently comprehensive stuff I’m cover for. I need answer by tomorrow or I’m gone! Clearly 30 years of loyalty means nothing to Liberty. Sies on you!
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Replies (5)0
Replies (5)VB
Veronique B's updateReviewer Update
12 Dec 2024, 09:32Could you call me at 12 noon to discuss? I have appointments before and after that. We can discuss then. Thank you 🙏
VB
Veronique B's update12 Dec 2024, 09:32
Reviewer Update
Could you call me at 12 noon to discuss? I have appointments before and after that. We can discuss then. Thank you 🙏
VB
Veronique B's updateReviewer Update
12 Dec 2024, 11:45I don’t want referrals and more wasted time.
I want to talk to a human being that cares and that understands the risk portfolio business segment of your offering so that I may have my questions answered in one go. How can this be so frikking hard? Can someone please call me at 12 noon who can assist me? 🤷♀️
And why do you reply to my message but not to what I actually said / asked? Does anybody LISTEN to anyone anymore? I need someone who can give me answers before the end of this week or I’m cutting my losses and cancelling this agreement with you - which let me remind you, I’ve been loyally paying for 30 years!!!!
I want to talk to a human being that cares and that understands the risk portfolio business segment of your offering so that I may have my questions answered in one go. How can this be so frikking hard? Can someone please call me at 12 noon who can assist me? 🤷♀️
And why do you reply to my message but not to what I actually said / asked? Does anybody LISTEN to anyone anymore? I need someone who can give me answers before the end of this week or I’m cutting my losses and cancelling this agreement with you - which let me remind you, I’ve been loyally paying for 30 years!!!!
VB
Veronique B's update12 Dec 2024, 11:45
Reviewer Update
I don’t want referrals and more wasted time.
I want to talk to a human being that cares and that understands the risk portfolio business segment of your offering so that I may have my questions answered in one go. How can this be so frikking hard? Can someone please call me at 12 noon who can assist me? 🤷♀️
And why do you reply to my message but not to what I actually said / asked? Does anybody LISTEN to anyone anymore? I need someone who can give me answers before the end of this week or I’m cutting my losses and cancelling this agreement with you - which let me remind you, I’ve been loyally paying for 30 years!!!!
I want to talk to a human being that cares and that understands the risk portfolio business segment of your offering so that I may have my questions answered in one go. How can this be so frikking hard? Can someone please call me at 12 noon who can assist me? 🤷♀️
And why do you reply to my message but not to what I actually said / asked? Does anybody LISTEN to anyone anymore? I need someone who can give me answers before the end of this week or I’m cutting my losses and cancelling this agreement with you - which let me remind you, I’ve been loyally paying for 30 years!!!!
VB
Veronique B's updateReviewer Update
12 Dec 2024, 12:24As I’ve said:
1: I consult / counsel with clients so can’t just pick up the phone. We need to arrange a specific time for my availability
2: I need answers by tomorrow cause this has been going back and forth for months - actually even years. Tomorrow is D-date.
I am available after 5:30pm today or tomorrow bstween 9:30-11am.
I hope someone at Liberty, who not only cares but is clued up on your Dread Disease risk products will call me so that my very simple and straightforward questions which I have a right to, can be answered.
Failure to do so, I will cancel my policy and put it to bed as one do the worst decisions of my life and have nothing further to do with Liberty.
Sincerely
1: I consult / counsel with clients so can’t just pick up the phone. We need to arrange a specific time for my availability
2: I need answers by tomorrow cause this has been going back and forth for months - actually even years. Tomorrow is D-date.
I am available after 5:30pm today or tomorrow bstween 9:30-11am.
I hope someone at Liberty, who not only cares but is clued up on your Dread Disease risk products will call me so that my very simple and straightforward questions which I have a right to, can be answered.
Failure to do so, I will cancel my policy and put it to bed as one do the worst decisions of my life and have nothing further to do with Liberty.
Sincerely
VB
Veronique B's update12 Dec 2024, 12:24
Reviewer Update
As I’ve said:
1: I consult / counsel with clients so can’t just pick up the phone. We need to arrange a specific time for my availability
2: I need answers by tomorrow cause this has been going back and forth for months - actually even years. Tomorrow is D-date.
I am available after 5:30pm today or tomorrow bstween 9:30-11am.
I hope someone at Liberty, who not only cares but is clued up on your Dread Disease risk products will call me so that my very simple and straightforward questions which I have a right to, can be answered.
Failure to do so, I will cancel my policy and put it to bed as one do the worst decisions of my life and have nothing further to do with Liberty.
Sincerely
1: I consult / counsel with clients so can’t just pick up the phone. We need to arrange a specific time for my availability
2: I need answers by tomorrow cause this has been going back and forth for months - actually even years. Tomorrow is D-date.
I am available after 5:30pm today or tomorrow bstween 9:30-11am.
I hope someone at Liberty, who not only cares but is clued up on your Dread Disease risk products will call me so that my very simple and straightforward questions which I have a right to, can be answered.
Failure to do so, I will cancel my policy and put it to bed as one do the worst decisions of my life and have nothing further to do with Liberty.
Sincerely
VB
Veronique B's updateReviewer Update
12 Dec 2024, 12:41Also… everywhere liberty talks about their Dread Disease risk products/ Critical illness products, it refers to cover for over “150 conditions related to a critical illness or trauma” yet: it’s the hardest thing to get a copy of this alleged list . Why so secretive? Does Liberty really wanna protect its clients or is it more focus on generating income in their favour by not committing to anything - hence “you’ll find out what you’re covered for when you claim!” Have you ever heard anything like this? Any instance company will tell you exactly what you’re covered for and how upfront! Guys! I need my answers!!! I feel intentionally mislead and neglected by a bully of a conglomerate! And how many other people are paying in good faith who don’t know about this…?
VB
Veronique B's update12 Dec 2024, 12:41
Reviewer Update
Also… everywhere liberty talks about their Dread Disease risk products/ Critical illness products, it refers to cover for over “150 conditions related to a critical illness or trauma” yet: it’s the hardest thing to get a copy of this alleged list . Why so secretive? Does Liberty really wanna protect its clients or is it more focus on generating income in their favour by not committing to anything - hence “you’ll find out what you’re covered for when you claim!” Have you ever heard anything like this? Any instance company will tell you exactly what you’re covered for and how upfront! Guys! I need my answers!!! I feel intentionally mislead and neglected by a bully of a conglomerate! And how many other people are paying in good faith who don’t know about this…?
VB
Veronique B's updateReviewer Update
13 Dec 2024, 09:35So another day has passed and I still do not have a copy of the breakdown of my policy made up of (Life insurance, Critical Illness, Inability & Investment) - 4 aspects to my policy. Is Liberty purposefully dodging me? You take my money every month but can't provide me with a breakdown of what my policy actually covers me for / the breakdown of these 4 aspects of my policy. Sending me a 2-page document or a pdf for one aspect of it, doesn't help me. Now I get told the system is down and someone will get back to me. I NEED AN ANSWER TODAY!!! I am sure I am in a position to sue Liberty for liability, emotional distress and complete neglect and negligence. It's appalling!!!
VB
Veronique B's update13 Dec 2024, 09:35
Reviewer Update
So another day has passed and I still do not have a copy of the breakdown of my policy made up of (Life insurance, Critical Illness, Inability & Investment) - 4 aspects to my policy. Is Liberty purposefully dodging me? You take my money every month but can't provide me with a breakdown of what my policy actually covers me for / the breakdown of these 4 aspects of my policy. Sending me a 2-page document or a pdf for one aspect of it, doesn't help me. Now I get told the system is down and someone will get back to me. I NEED AN ANSWER TODAY!!! I am sure I am in a position to sue Liberty for liability, emotional distress and complete neglect and negligence. It's appalling!!!