Unpaid Insurance Claim

Iam writing to lodge a formal complaint regarding the rejection of a life insurance claim, which I believe has been handled unfairly and unreasonably by the insurer.

Policy Details:

Insurer: NUMSA Financial Services

Application Date: August 2025

First Premium Deduction: 01 October 2025

Background:

I app**** for the above life insurance policy in August 2025 and provided all required information, including accurate banking details for premium collection.

Despite this, the insurer only began deducting premiums in October 2025. This delay was entirely outside of my control, and I was not informed of any issues, delays, or actions required from my side.

The insured passed away in March 2026, after which I submitted a claim in good faith and in accordance with the policy requirements.

The insurer has since rejected the claim.

Grounds for Complaint:

I respectfully submit that the insurer’s decision is unfair and inconsistent with principles of good faith and fair treatment for the following reasons:

* I fully comp**** with all requirements at the time of application

* The delay in premium collection was caused by the insurer’s own administrative processes

* I was not notified of any delay or its implications on my cover

* I was not given any opportunity to address or correct any alleged issue

* The insurer has failed to act in a transparent and fair manner It is unreasonable for the insurer to rely on circumstances created by its own delay to deny a valid claim.