I cannot begin to describe how horrible their service is. Avoid at all costs

RAMSEYFG

Ohio

I am a producer and placed a policy for my client with LBL in approximately 2013. We contacted them regarding a service issue and have experienced inept customer service representatives who were rude, disrespectful, and gave inaccurate information on which we relied to make decisions. They are unbending and refuse to accommodate the client and their needs regardless of the fact that they acknowledge that they gave erroneous information. Will be pulling my client's business from them and getting the client insured elsewhere. If we can't rely on them to handle service aptly, then how would we be expected to have confidence in their ability to correctly satisfy a claim? Horrible, atrocious, and worthless.

mrt73

Virginia

I work in the mail center and I am not a loyal employee because I see the complaints from people who are being robbed by this company every single day plus I start school in the fall. This company needs to be reported to the FBI for Fraud. I see numerous complaints daily from angry customers because of lousy rates, horrible customer service and the big problem, LBL's new Kofax system used to scan incoming mail is not working. Mail is going missing and customers policies are getting cancelled. This is ridiculous and it is time the customers start complaining to the feds who can shut down banks for illegal criminal activity, then they can go in an seize information from an insurance company and close them also. I see the mail everyday and I know what I am talking about. LBL customers are also leaving and replacing their policies with companies like Pacific Life, and Edward Jones, Met Life, NY Life and the Hartford. Call Lincoln Benefit Life in Lincoln, NE and ask to speak with Amy Veidel, She will tell you they are having major problems and then she will sugar coat it.

farrahs

Lincoln, NE

No web page for payments, messed up phone system. I misplaced a bill and went into a grace period. I called to try to make a payment over the phone. After being told by two people that "this really isn't our policy," I was done. I'll mail in this payment, hope it arrives on time, and find a new modern Insurance Company for next year, and many years to come.

just8

Minneapolis, MN

Lincoln Benefit Life2940 South 84th StreetLincoln, Nebraska 68501-0469www.accessallstate.comI signed up for a term life policy 4 years ago that was supposed to be switched to a "whole life" policy after the first year. The way it was explained to me (because I didn't even want to sign up for the term because it was too expensive - $1200) was that after the first year I could switch to the whole life policy which cost $5000 and get a credit for the $1200 for the first year which is what I did. The insurance broker faxed me over the pages on a rush basis after the first year to switch the policy and I faxed them back to her the same day. What I believe was the terms and conditions page had been recopied so many times that you can't even read it. A few weeks later the policy book was delivered to me by the agent. The way she had described the policy was that my money would only grow so according to what she told me I should have $15000 plus interest. What I have now is nothing. I in theory have $12000 because they deduct "costs" and "expenses" - none of which she told me when she was selling me the policy. She told me the reason is because when she was explaining the policy to me her laptop computer wouldn't allow her to show me the costs and expenses. Another feature she failed to tell me about is that I have to be in the policy for 20 years! If I pull out in advance I forfeit $14300. When I received my last statement I didn't understand the costs and expenses and called up Lincoln Benefit to find out what was going on and I found out then for the first time that Lincoln Benefit (my insurance company) no longer sells whole life policies and I had been signed up for an "adjustable flexible" policy. I explained that I had never even heard my insurance broker utter those words and that she had only referred to the policy as a whole life policy. My agent had never told me about costs and expenses and never explained the $14300 default fee if I pulled out before 20 years. She did a bait and switch on me. Lincon's complaint department did an investigation and have said everything is on the up and up and I have no recourse. I was totally lied to and relied on everything she told me about this policy. I was never informed AT ALL about the $14,300 default fee or about the costs and expenses - she simply described my money growing each and every year so by now I would have the $150000 I've put in plus around 5% interest. Lincoln agreed to give me back $5000 if I terminated my policy. However, they kept my remaining $10,000. DON'T DO BUSINESS WITH THIS COMPANY IF YOU WISH TO KEEP YOUR MONEY - THEY ARE THIEVES AND LIARS. I've tried everything I can do to get my money back but it appears I would have to sue them and I just don't know what my chances would be. I work with a law firm and even the lawyers here told me they're unable to understand my policy in full. I depended on Lincoln to explain to me what I was buying and by leaving out vital details I was in fact lied to. A partner at my firm (a very intelligent attorney) told me that even he had been the victim of a similar policy so it can't be just me. I honestly don't know how they can get away with this but it appears they can. I work 13 hours a day as a secretary to support my family and the $10,000 they ended up keeping was two years of my bonuses. This was money I thought I could use in the event of an emergency and now it is all gone.

gbarney04

Old Greenwich, CT

The abosolute worst! They do not credit payments to the propoer account - misapplied 3 payments.  Over zealous collection dept.  Neither the billing nor the collection dept will retun calls. Tried to email - the email was never returned and I was later told that an authorization must be on file for them to return an email. I wonder why I wasn't informed of that when I emailed them?  Do not deal with them if you have another option.  The company tries to avoid contact while dunning you for payments that they have in their posession but do not know where to apply. Bad... Bad... Bad...  What a scam!!!!!!!! 

kflala

Valencia, CA

Lincoln had an easy application process for $500,000 of coverage.  Filled out medical questionairre and then they had a nurse come by my house to draw blood for any tests needed for that amount.  What could have been a big hassle was a non-event - they did all the work instead of asking me to go to an outpatient clinic or Quest office for teh blood draw.  They have been good communicators and have provided excellent customer service. 

Bapa

Prospect Heights, IL

My Allstate agent sold me this policy.  The process was easy and I got $500k worth of coveage for cheap!  Plust the company has great almost a perfect AM Best rating, so I know they aren't some fly by night company.

someguy

Wentzville, MO