1 reviews | Active since Sept 2016
Sanlam insurance, White Collar *********
<p>Large Coporates have been getting rich off the "average Joe" for decades. They will stop at nothing to ***** from whom ever they can, with absolutely no regard as to who they "hurt" in the process. Two years ago my father passed away in a car accident, and despite his loyal support for years Sanlam did what insurance companies do best, dig up reasons not to pay out. In this case they brought up a hypertensive medical condition, which in their opinion was not disclosed with his life policy. Despite the facts that this had nothing to do with his cause of death and that he was, by doctors report extremely fit and healthy for his age, his long standing relationship with the firm, the number of policies he has had with them before, they used this as an excuse NOT to pay out his life insurance, which he paid monthly. Not once did anybody ever stop him from paying this policy or any others/previous policies but now that its time to pay this comes up.</p> <p>To make matters worse, according to Sanlam, my father had no Last Will and testament declaring his lifes assests, all policies and funds which may be unknown of, is non existant, despite the fact that my father's broker contacted the family the week of my father's death, informing us that we all need to come and see him to go through my father's last will and testamant. To me that in itself is extremely "fishy". We have had tried to appeal the matter through the Sanlam internal escaltion process, and basically we were told to see them in court which indicates a strong reliancy on their massive legal team. I urge everyone out there dealing with or thinking of dealing with Sanlam to stay away, because I can assure you they will find a way to rob you too. </p>
We acknowledge your posting and have referred it to the relevant department for investigation
Regards
Client Relations
We acknowledge your posting and have referred it to the relevant department for investigation
Regards
Client Relations
Dear Andrew Micheal Diedricks
Thank you for bringing this matter to our attention. We have noted that Sanlam's Arbitrator as well as the Ombudsman for Long-term Insurance already investigated this case and agreed with Sanlam's decision.
When information at application date is not disclosed fully, it means that there was not an opportunity to do a proper risk assessment. From an insurance point of view all relevant information is needed to provide a risk assessment. Should it be found that information was either withheld or misrepresented, when a claim is presented, an Insurer has to reconsider the terms that were offered and amend the terms of the plan accordingly.
This matter has been extensively dealt with and all parties concerned were informed of the decision.
Kind regards
Client Relations
Dear Andrew Micheal Diedricks
Thank you for bringing this matter to our attention. We have noted that Sanlam's Arbitrator as well as the Ombudsman for Long-term Insurance already investigated this case and agreed with Sanlam's decision.
When information at application date is not disclosed fully, it means that there was not an opportunity to do a proper risk assessment. From an insurance point of view all relevant information is needed to provide a risk assessment. Should it be found that information was either withheld or misrepresented, when a claim is presented, an Insurer has to reconsider the terms that were offered and amend the terms of the plan accordingly.
This matter has been extensively dealt with and all parties concerned were informed of the decision.
Kind regards
Client Relations
Fair enough. Please advise how Sanlam can prove that the deceased withheld any information from the insurer when previous policies why cancelled as a direct result of said information. Furhtermore explain to me how Sanlam, an insurance broker, not medical inclined at all, can over rule the findings of a medical doctor, a profetional on determining the information in question? As a medical report was submitted stating that the deceased was fully recovered. That being said, you refer to a risk assestment to is not linked to the death of the deceased at all. It is like saying, you will not pay out for an accident on a highway that was caused by an oil spill because 3 years ago the car in question was parked outside.
Fair enough. Please advise how Sanlam can prove that the deceased withheld any information from the insurer when previous policies why cancelled as a direct result of said information. Furhtermore explain to me how Sanlam, an insurance broker, not medical inclined at all, can over rule the findings of a medical doctor, a profetional on determining the information in question? As a medical report was submitted stating that the deceased was fully recovered. That being said, you refer to a risk assestment to is not linked to the death of the deceased at all. It is like saying, you will not pay out for an accident on a highway that was caused by an oil spill because 3 years ago the car in question was parked outside.
Like I said "insurance companies do best, dig up reasons not to pay out."
Like I said "insurance companies do best, dig up reasons not to pay out."
Dear Andrew Micheal Diedricks
Thank you for your comment. We will respond to you via e-mail.
Regards
Client Relations
Dear Andrew Micheal Diedricks
Thank you for your comment. We will respond to you via e-mail.
Regards
Client Relations
I would prefer if we could use this medium for communication so that the world can see your logic and how you look for reasons not to pay out on policies. That is the very purpose of the post.
When your sales agents call to make a sale they always start off with things like: "Will your family be financially secure should anything happen to you?" your sales strategy is targeted at people's emotions, and leading them to believe that your cheating them out of their hard earned money in exchange insurance or rather assurance that Sanlam will cover them or their family in dark times. Yet when it comes to living up to insurers end of the bargain you will find any excuse not to pay out. And my aim is to prevent this from happening to anyone else. My sister, the executor to my father’s estate has been through the months of back and forth emails with you to no avail. Sanlam has thus far showed no interest in honoring the policy, exclaiming that a pre-existing medical condition was not disclosed at the time of the signing of said policy. Where previous policies with Sanlam was cancelled by the deceased for said medical condition, which since then, prior to singing the policy in question, was cleared, proof of this, by means of doctor’s report was submitted to Sanlam, yet no heed was paid to this. Why should I, in a personal capacity sit back knowing that others stand to fall victim to this same fate while Sanlam keeps growing rich of unsuspecting victims?
I would prefer if we could use this medium for communication so that the world can see your logic and how you look for reasons not to pay out on policies. That is the very purpose of the post.
When your sales agents call to make a sale they always start off with things like: "Will your family be financially secure should anything happen to you?" your sales strategy is targeted at people's emotions, and leading them to believe that your cheating them out of their hard earned money in exchange insurance or rather assurance that Sanlam will cover them or their family in dark times. Yet when it comes to living up to insurers end of the bargain you will find any excuse not to pay out. And my aim is to prevent this from happening to anyone else. My sister, the executor to my father’s estate has been through the months of back and forth emails with you to no avail. Sanlam has thus far showed no interest in honoring the policy, exclaiming that a pre-existing medical condition was not disclosed at the time of the signing of said policy. Where previous policies with Sanlam was cancelled by the deceased for said medical condition, which since then, prior to singing the policy in question, was cleared, proof of this, by means of doctor’s report was submitted to Sanlam, yet no heed was paid to this. Why should I, in a personal capacity sit back knowing that others stand to fall victim to this same fate while Sanlam keeps growing rich of unsuspecting victims?
I would prefer if we could use this medium for communication so that the world can see your logic and how you look for reasons not to pay out on policies. That is the very purpose of the post.
When your sales agents call to make a sale they always start off with things like: "Will your family be financially secure should anything happen to you?" your sales strategy is targeted at people's emotions, and leading them to believe that your cheating them out of their hard earned money in exchange insurance or rather assurance that Sanlam will cover them or their family in dark times. Yet when it comes to living up to insurers end of the bargain you will find any excuse not to pay out. And my aim is to prevent this from happening to anyone else. My sister, the executor to my father’s estate has been through the months of back and forth emails with you to no avail. Sanlam has thus far showed no interest in honoring the policy, exclaiming that a pre-existing medical condition was not disclosed at the time of the signing of said policy. Where previous policies with Sanlam was cancelled by the deceased for said medical condition, which since then, prior to singing the policy in question, was cleared, proof of this, by means of doctor’s report was submitted to Sanlam, yet no heed was paid to this. Why should I, in a personal capacity sit back knowing that others stand to fall victim to this same fate while Sanlam keeps growing rich of unsuspecting victims?
I would prefer if we could use this medium for communication so that the world can see your logic and how you look for reasons not to pay out on policies. That is the very purpose of the post.
When your sales agents call to make a sale they always start off with things like: "Will your family be financially secure should anything happen to you?" your sales strategy is targeted at people's emotions, and leading them to believe that your cheating them out of their hard earned money in exchange insurance or rather assurance that Sanlam will cover them or their family in dark times. Yet when it comes to living up to insurers end of the bargain you will find any excuse not to pay out. And my aim is to prevent this from happening to anyone else. My sister, the executor to my father’s estate has been through the months of back and forth emails with you to no avail. Sanlam has thus far showed no interest in honoring the policy, exclaiming that a pre-existing medical condition was not disclosed at the time of the signing of said policy. Where previous policies with Sanlam was cancelled by the deceased for said medical condition, which since then, prior to singing the policy in question, was cleared, proof of this, by means of doctor’s report was submitted to Sanlam, yet no heed was paid to this. Why should I, in a personal capacity sit back knowing that others stand to fall victim to this same fate while Sanlam keeps growing rich of unsuspecting victims?
I would prefer if we could use this medium for communication so that the world can see your logic and how you look for reasons not to pay out on policies. That is the very purpose of the post.
When your sales agents call to make a sale they always start off with things like: "Will your family be financially secure should anything happen to you?" your sales strategy is targeted at people's emotions, and leading them to believe that your cheating them out of their hard earned money in exchange insurance or rather assurance that Sanlam will cover them or their family in dark times. Yet when it comes to living up to insurers end of the bargain you will find any excuse not to pay out. And my aim is to prevent this from happening to anyone else. My sister, the executor to my father’s estate has been through the months of back and forth emails with you to no avail. Sanlam has thus far showed no interest in honoring the policy, exclaiming that a pre-existing medical condition was not disclosed at the time of the signing of said policy. Where previous policies with Sanlam was cancelled by the deceased for said medical condition, which since then, prior to singing the policy in question, was cleared, proof of this, by means of doctor’s report was submitted to Sanlam, yet no heed was paid to this. Why should I, in a personal capacity sit back knowing that others stand to fall victim to this same fate while Sanlam keeps growing rich of unsuspecting victims?
I would prefer if we could use this medium for communication so that the world can see your logic and how you look for reasons not to pay out on policies. That is the very purpose of the post.
When your sales agents call to make a sale they always start off with things like: "Will your family be financially secure should anything happen to you?" your sales strategy is targeted at people's emotions, and leading them to believe that your cheating them out of their hard earned money in exchange insurance or rather assurance that Sanlam will cover them or their family in dark times. Yet when it comes to living up to insurers end of the bargain you will find any excuse not to pay out. And my aim is to prevent this from happening to anyone else. My sister, the executor to my father’s estate has been through the months of back and forth emails with you to no avail. Sanlam has thus far showed no interest in honoring the policy, exclaiming that a pre-existing medical condition was not disclosed at the time of the signing of said policy. Where previous policies with Sanlam was cancelled by the deceased for said medical condition, which since then, prior to singing the policy in question, was cleared, proof of this, by means of doctor’s report was submitted to Sanlam, yet no heed was paid to this. Why should I, in a personal capacity sit back knowing that others stand to fall victim to this same fate while Sanlam keeps growing rich of unsuspecting victims?