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My in-laws paid on a life insurance policy for years.They have paid approximately $32,000 into it , now the insurance company went under....Now they have no life insurance and have lost everything they put into it. Can this happen? Is this legal?
That's horrifying! Sorry to say that it's entirely possible that nothing can be done if the company is gone but I'd certainly try to see if there's any recourse. You could check with your state insurance commission. They may be able to guide you. Good luck with this. We'd love to hear how you're doing. Carol
Yes, this can happen. Sometimes there is a settlement, seeking to get some type of recovery for victims, but even then the money may not materialize. This is why we are told to only buy insurance from insurance companies that are financially well backed. I bought auto insurance one time from a company that went under. I am glad that I learned it before anything happened to me. There was talk of how we would receive money back, but the money never came. Good luck getting something back.
I did find some helpful things online. I hope the moderators will let the link below stay for a little while. Your state may be managing the bankruptcy of the insurance company, so all may not be lost. There are special rules for health and life insurance. That is reassuring.
Executive Life Insurance Company of New York (ELNY), was seized by the state of New York, who sold the majority of the business to MetLife. So if this is the company, contact Met Life or the NYS Insurance Department in Albany.
Insurance companies don't go Chapter 11, they are taken over by the state insurance department where they operate. The state then allocates the assets to a restructuring company who sells off the Life Insurance and modifies the payouts on Annuities.
Pam, you are correct; I was in error. Thanks for pointing this out to me. I apologize to all who read my post and may have been accidentally and unintentially misled.
I did some quick checking to determine how this works and found some info that may help Lana. Hopefully this link won't be deleted, but if so, the information can be found under the "guaranteed coverage" subsection of the National Organization of Life & Health Insurance Guaranty Associations' website link entitled "What Happens When an Insurance Company Fails?"
Just adding my suggestion of contacting your state's department of insurance.
Also, when you wrote that the company "went under", did you mean that it went out of business through bankruptcy, through dissolution, and/or by chance did it file a Chapter 11 for arrangement in bankruptcy, which would mean that it will attempt to work out an arrangement to satisfy its liabilities?
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington.
Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services.
APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid.
We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour.
APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment.
You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints.
Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights.
APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.
I agree that:
A.
I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information").
B.
APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink.
C.
APFM may send all communications to me electronically via e-mail or by access to an APFM web site.
D.
If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records.
E.
This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year.
F.
You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
Good luck with this. We'd love to hear how you're doing.
Carol
website: insuranceproviders/what-happens-if-your-life-insurance-company-goes-bankrupt/
I did some quick checking to determine how this works and found some info that may help Lana. Hopefully this link won't be deleted, but if so, the information can be found under the "guaranteed coverage" subsection of the National Organization of Life & Health Insurance Guaranty Associations' website link entitled "What Happens When an Insurance Company Fails?"
nolhga/policyholderinfo/main.cfm/location/insolvencyprocess
Thanks again for correcting my error.
Also, when you wrote that the company "went under", did you mean that it went out of business through bankruptcy, through dissolution, and/or by chance did it file a Chapter 11 for arrangement in bankruptcy, which would mean that it will attempt to work out an arrangement to satisfy its liabilities?