MR
Michelle R
1 reviews | Active since Sept 2022
10 May 2025, 11:46
Michelle Roman I'd ***
My brother Eugene carolus can't claim like me I did also have a policy with them that time my surname was Fillis I took it out in 2012 if I'm correct over ten years I ask them why didn't I recieve a cashback they told me its not a cashback policy and I ask them what if I cancle it so now that time they said I won't be refund they can cancle it because I was angry they never refunded me
Helpful (0)
Replies (15)0
Replies (15)
Metropolitan Life's replyOfficial
10 May 2025, 17:25Dear Ms Michelle Roman,
We Acknowledge receipt of your complaint on Hello Peter. We always strive to provide our customers with the best possible service, and we are sorry to hear that you have been struggling with your matter.
One of our Complaint Escalation Specialists will investigate and revert back to you during business hours.
Regards
Metropolitan Clientcare Team
We Acknowledge receipt of your complaint on Hello Peter. We always strive to provide our customers with the best possible service, and we are sorry to hear that you have been struggling with your matter.
One of our Complaint Escalation Specialists will investigate and revert back to you during business hours.
Regards
Metropolitan Clientcare Team
Metropolitan Life's reply10 May 2025, 17:25
Official
Dear Ms Michelle Roman,
We Acknowledge receipt of your complaint on Hello Peter. We always strive to provide our customers with the best possible service, and we are sorry to hear that you have been struggling with your matter.
One of our Complaint Escalation Specialists will investigate and revert back to you during business hours.
Regards
Metropolitan Clientcare Team
We Acknowledge receipt of your complaint on Hello Peter. We always strive to provide our customers with the best possible service, and we are sorry to hear that you have been struggling with your matter.
One of our Complaint Escalation Specialists will investigate and revert back to you during business hours.
Regards
Metropolitan Clientcare Team
MR
Michelle R's updateReviewer Update
10 May 2025, 17:33Yes now my brother Eugene Carolus is also struggling what kind of service do you deliver ĺ even spoke to one of your people when they approach me telling them why I'm not interested in metropolitan and they check and saw how long I paid for so long but never get a cashback or refunded when I cancle the policy
MR
Michelle R's update10 May 2025, 17:33
Reviewer Update
Yes now my brother Eugene Carolus is also struggling what kind of service do you deliver ĺ even spoke to one of your people when they approach me telling them why I'm not interested in metropolitan and they check and saw how long I paid for so long but never get a cashback or refunded when I cancle the policy
Metropolitan Life's replyOfficial
12 May 2025, 08:55Dear Ms Roman
We acknowledge receipt of your complaint on HelloPeter.
We always strive to serve all our clients well and regret reading that you have been experiencing difficulties with your service request.
One of our Escalation Specialists will investigate and revert back to you as soon as possible.
Regard
Metropolitan Client Care Team
We acknowledge receipt of your complaint on HelloPeter.
We always strive to serve all our clients well and regret reading that you have been experiencing difficulties with your service request.
One of our Escalation Specialists will investigate and revert back to you as soon as possible.
Regard
Metropolitan Client Care Team
Metropolitan Life's reply12 May 2025, 08:55
Official
Dear Ms Roman
We acknowledge receipt of your complaint on HelloPeter.
We always strive to serve all our clients well and regret reading that you have been experiencing difficulties with your service request.
One of our Escalation Specialists will investigate and revert back to you as soon as possible.
Regard
Metropolitan Client Care Team
We acknowledge receipt of your complaint on HelloPeter.
We always strive to serve all our clients well and regret reading that you have been experiencing difficulties with your service request.
One of our Escalation Specialists will investigate and revert back to you as soon as possible.
Regard
Metropolitan Client Care Team
MR
Michelle R's updateReviewer Update
12 May 2025, 09:14Good day this what you did with me you did not pay me not a sent back but I have had a policy for over 10 t0 12 yrs with you and I cancle it but no refund since you guys told me I only will be paid out when someone dies almost R400 every month you took from my salary now the same thing happen to my brother Eugene Carolus
MR
Michelle R's update12 May 2025, 09:14
Reviewer Update
Good day this what you did with me you did not pay me not a sent back but I have had a policy for over 10 t0 12 yrs with you and I cancle it but no refund since you guys told me I only will be paid out when someone dies almost R400 every month you took from my salary now the same thing happen to my brother Eugene Carolus
Metropolitan Life's replyOfficial
12 May 2025, 09:41Dear Michelle
Thank you for your additional comments.
Metropolitan has a large range of products that offer different benefits for clients who need to plan for their unique financial needs.
Please note that your brother has a completely different product from yours and he enjoys different benefits from that which was on your policy. Also just like the benefits differ, the claim scenario is also completely different. Also note we may not discuss his policy with you.
Your product was funeral and though some of our latest funeral product offers a Cashback benefit to be added, should the policy owner choose, yours never had this benefit.
It is important to differentiate between pure risk policies and endowment policies.
It remains a basic principle of insurance that cover is provided (by the insurer) in return for a premium paid by (or on behalf of) the policy owner.
Therefore the premiums you paid for your funeral plan (pure risk policy) provided you with cover for the insured events, while you were paying the premium. If at any time an insured person on the policy passed, Metropolitan would have been liable for the full benefit payment, regardless of the amount of premiums received, provided of coirse. the waiting period for the insured event had passed.
When one cancels a pure risk policy, only the premiums we may have received after the cancellation effective date is refundable, and there is no built-up fund to pay any cash benefits from.
We trust that the above enhances your understanding of the product you cancelled and that we will resolve your brother's complaint directly with him.
Regards
Metropolitan Client Care Team
Thank you for your additional comments.
Metropolitan has a large range of products that offer different benefits for clients who need to plan for their unique financial needs.
Please note that your brother has a completely different product from yours and he enjoys different benefits from that which was on your policy. Also just like the benefits differ, the claim scenario is also completely different. Also note we may not discuss his policy with you.
Your product was funeral and though some of our latest funeral product offers a Cashback benefit to be added, should the policy owner choose, yours never had this benefit.
It is important to differentiate between pure risk policies and endowment policies.
- Risk policies offer cover for certain events and do not have an investment component
- Endowment products can also offer risk benefits, but they do have an endowment component that build up a cash value
It remains a basic principle of insurance that cover is provided (by the insurer) in return for a premium paid by (or on behalf of) the policy owner.
Therefore the premiums you paid for your funeral plan (pure risk policy) provided you with cover for the insured events, while you were paying the premium. If at any time an insured person on the policy passed, Metropolitan would have been liable for the full benefit payment, regardless of the amount of premiums received, provided of coirse. the waiting period for the insured event had passed.
When one cancels a pure risk policy, only the premiums we may have received after the cancellation effective date is refundable, and there is no built-up fund to pay any cash benefits from.
We trust that the above enhances your understanding of the product you cancelled and that we will resolve your brother's complaint directly with him.
Regards
Metropolitan Client Care Team
Metropolitan Life's reply12 May 2025, 09:41
Official
Dear Michelle
Thank you for your additional comments.
Metropolitan has a large range of products that offer different benefits for clients who need to plan for their unique financial needs.
Please note that your brother has a completely different product from yours and he enjoys different benefits from that which was on your policy. Also just like the benefits differ, the claim scenario is also completely different. Also note we may not discuss his policy with you.
Your product was funeral and though some of our latest funeral product offers a Cashback benefit to be added, should the policy owner choose, yours never had this benefit.
It is important to differentiate between pure risk policies and endowment policies.
It remains a basic principle of insurance that cover is provided (by the insurer) in return for a premium paid by (or on behalf of) the policy owner.
Therefore the premiums you paid for your funeral plan (pure risk policy) provided you with cover for the insured events, while you were paying the premium. If at any time an insured person on the policy passed, Metropolitan would have been liable for the full benefit payment, regardless of the amount of premiums received, provided of coirse. the waiting period for the insured event had passed.
When one cancels a pure risk policy, only the premiums we may have received after the cancellation effective date is refundable, and there is no built-up fund to pay any cash benefits from.
We trust that the above enhances your understanding of the product you cancelled and that we will resolve your brother's complaint directly with him.
Regards
Metropolitan Client Care Team
Thank you for your additional comments.
Metropolitan has a large range of products that offer different benefits for clients who need to plan for their unique financial needs.
Please note that your brother has a completely different product from yours and he enjoys different benefits from that which was on your policy. Also just like the benefits differ, the claim scenario is also completely different. Also note we may not discuss his policy with you.
Your product was funeral and though some of our latest funeral product offers a Cashback benefit to be added, should the policy owner choose, yours never had this benefit.
It is important to differentiate between pure risk policies and endowment policies.
- Risk policies offer cover for certain events and do not have an investment component
- Endowment products can also offer risk benefits, but they do have an endowment component that build up a cash value
It remains a basic principle of insurance that cover is provided (by the insurer) in return for a premium paid by (or on behalf of) the policy owner.
Therefore the premiums you paid for your funeral plan (pure risk policy) provided you with cover for the insured events, while you were paying the premium. If at any time an insured person on the policy passed, Metropolitan would have been liable for the full benefit payment, regardless of the amount of premiums received, provided of coirse. the waiting period for the insured event had passed.
When one cancels a pure risk policy, only the premiums we may have received after the cancellation effective date is refundable, and there is no built-up fund to pay any cash benefits from.
We trust that the above enhances your understanding of the product you cancelled and that we will resolve your brother's complaint directly with him.
Regards
Metropolitan Client Care Team
MR
Michelle R's updateReviewer Update
12 May 2025, 09:43You can contact me *** Michelle Roman and you know what you did to me and other people is wrong but we as the nation can thank Hello Peter for making everything public I stand up with this when I see my brother Eugene Carolus have a problem with you guys so please stick to your things you state to convince people to take policies out with you guys
MR
Michelle R's update12 May 2025, 09:43
Reviewer Update
You can contact me *** Michelle Roman and you know what you did to me and other people is wrong but we as the nation can thank Hello Peter for making everything public I stand up with this when I see my brother Eugene Carolus have a problem with you guys so please stick to your things you state to convince people to take policies out with you guys
Metropolitan Life's replyOfficial
12 May 2025, 09:47Dear Michelle
Thank you for your additional comments.
Your original post did contain your cell phone number.
Our Escalation Specialist will be in contact with you directly as soon as possible.
Regards
Metropolitan Client Care Team
Thank you for your additional comments.
Your original post did contain your cell phone number.
Our Escalation Specialist will be in contact with you directly as soon as possible.
Regards
Metropolitan Client Care Team
Metropolitan Life's reply12 May 2025, 09:47
Official
Dear Michelle
Thank you for your additional comments.
Your original post did contain your cell phone number.
Our Escalation Specialist will be in contact with you directly as soon as possible.
Regards
Metropolitan Client Care Team
Thank you for your additional comments.
Your original post did contain your cell phone number.
Our Escalation Specialist will be in contact with you directly as soon as possible.
Regards
Metropolitan Client Care Team
MR
Michelle R's updateReviewer Update
12 May 2025, 09:51This doesn't make sense to me ok my brother things is different I understand but when I took out the policy at thar time the sales lady Queen said to us its a cashback so now you sit with my money that I paid for more then ten years does this make sense no why didn't you pay my premiums back 💔 after I canle it you never even make contact with me regards that you never even pay my premium back after I cancle my policy that you deduct from my salary at that time I won't stop untill you contact me in person people out there will know how you guys operates and I did read the viewers report not good
MR
Michelle R's update12 May 2025, 09:51
Reviewer Update
This doesn't make sense to me ok my brother things is different I understand but when I took out the policy at thar time the sales lady Queen said to us its a cashback so now you sit with my money that I paid for more then ten years does this make sense no why didn't you pay my premiums back 💔 after I canle it you never even make contact with me regards that you never even pay my premium back after I cancle my policy that you deduct from my salary at that time I won't stop untill you contact me in person people out there will know how you guys operates and I did read the viewers report not good
MR
Michelle R's updateReviewer Update
12 May 2025, 09:52I will be waiting today
MR
Michelle R's update12 May 2025, 09:52
Reviewer Update
I will be waiting today
MR
Michelle R's updateReviewer Update
12 May 2025, 09:55More then one years ago that I cancle the policy
MR
Michelle R's update12 May 2025, 09:55
Reviewer Update
More then one years ago that I cancle the policy
Metropolitan Life's replyOfficial
12 May 2025, 09:56Dear Michelle
Thank you again for your additional comments.
Please note that one of our Escalation Specialists has already logged your complaint and will investigate the matter and be in contact with you directly.
Please give our Escalation Specialist the time to investigate that your complaint deserves
Regards
Metropolitan Client Care Team
Thank you again for your additional comments.
Please note that one of our Escalation Specialists has already logged your complaint and will investigate the matter and be in contact with you directly.
Please give our Escalation Specialist the time to investigate that your complaint deserves
Regards
Metropolitan Client Care Team
Metropolitan Life's reply12 May 2025, 09:56
Official
Dear Michelle
Thank you again for your additional comments.
Please note that one of our Escalation Specialists has already logged your complaint and will investigate the matter and be in contact with you directly.
Please give our Escalation Specialist the time to investigate that your complaint deserves
Regards
Metropolitan Client Care Team
Thank you again for your additional comments.
Please note that one of our Escalation Specialists has already logged your complaint and will investigate the matter and be in contact with you directly.
Please give our Escalation Specialist the time to investigate that your complaint deserves
Regards
Metropolitan Client Care Team
MR
Michelle R's updateReviewer Update
12 May 2025, 10:10I will be waiting for your call
MR
Michelle R's update12 May 2025, 10:10
Reviewer Update
I will be waiting for your call
Metropolitan Life's replyOfficial
12 May 2025, 10:15Dear Michelle
Thank you for your latest post - this content too has been noted.
Regards
Metropolitan Client Care Team
Thank you for your latest post - this content too has been noted.
Regards
Metropolitan Client Care Team
Metropolitan Life's reply12 May 2025, 10:15
Official
Dear Michelle
Thank you for your latest post - this content too has been noted.
Regards
Metropolitan Client Care Team
Thank you for your latest post - this content too has been noted.
Regards
Metropolitan Client Care Team
MR
Michelle R's updateReviewer Update
12 May 2025, 10:32I recieve an email telling me different from what was told to me funeral or disability policy I enjoy benefits how every month how when I'm still working and when I didn't have the persons covered on that policy died no one we are all alive 💔 disgusting
MR
Michelle R's update12 May 2025, 10:32
Reviewer Update
I recieve an email telling me different from what was told to me funeral or disability policy I enjoy benefits how every month how when I'm still working and when I didn't have the persons covered on that policy died no one we are all alive 💔 disgusting
Metropolitan Life's replyOfficial
12 May 2025, 10:41 Dear Michelle
Thank you for your latest comments.
One of our Escalation specialists are already attending the matter. Please respond to our Escalation Specialist directly.
Regards
Metropolitan Client Care Team
Thank you for your latest comments.
One of our Escalation specialists are already attending the matter. Please respond to our Escalation Specialist directly.
Regards
Metropolitan Client Care Team
Metropolitan Life's reply12 May 2025, 10:41
Official
Dear Michelle
Thank you for your latest comments.
One of our Escalation specialists are already attending the matter. Please respond to our Escalation Specialist directly.
Regards
Metropolitan Client Care Team
Thank you for your latest comments.
One of our Escalation specialists are already attending the matter. Please respond to our Escalation Specialist directly.
Regards
Metropolitan Client Care Team