Incompetency

My father opened a policy on behalf of my grandfather. Following my grandfather’s passing, we have encountered significant difficulties with the claims process. Despite my father initiating the policy, the sales representative listed my grandmother as the beneficiary. As a result, my elderly and unwell grandmother—who has difficulty walking—now has to visit their offices to make the claim. This situation is highly unfair and distressing for her.

The company is now delaying the payout, citing the need to investigate the relationship between my father and grandfather. If this relationship was a necessary requirement, it should have been verified when the policy was originally opened. This oversight appears to be due to a lack of proper training or attention from the sales staff involved.

Unfortunately, we are now facing unnecessary obstacles and emotional stress because of what seems to be incompetence during the initial setup. I would advise others to exercise caution when dealing with this company, as our experience has highlighted serious gaps in their customer service and internal processes