REFUSAL TO PAY CLAIM

This is in connection with claim for the late S. Siduka - policy no ********** 437.

My mother claimed for the late S. Siduka first in 2011 and responded and paid premiums only in 2014 according to the proof you sent. After a 3 year investigation you declined the claim stating the late S. Siduka did not apply/sign for the policy and therefore there was no legal contract with Metropolitan and S Siduka.

Please provide answers to the following:

1. What was the point of departure of your investigation? My understanding is that the first reason to decline was relationship which was investigated and proven. That same investigation caused emotional abuse because the mother of the deceased had to relieve the son's death.

2. There was doubt that the late S. Siduka is dead and death was confirmed - another emotional abuse case.

3. You concluded that there was no policy but paid back premiums how did you get to this conclusion if there was no policy in place? Were there signatures to compare with? Is there a report from the expect that confirms the above findings? Please provide the report for ease of reference and it took 3 years to refund premiums after long emotional abuse and turmoil.

Kindly revert within 7 days as the matter has dragged for too long.