ComplaintsforCMFG Life Insurance
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Complaint Details
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Initial Complaint
03/06/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
On January 23, 2024, I called to get my monthly payments lowered for the two policies that I was paying for my self and my son, ******. For ****** they sent a letter stating that the application for life insurance dated June 05, 2023 was incomplete and that a refund check in the amount of $127.82 was going to be sent. This is now the month of March 2024 and no check has been sent. We have called numerous times to get this resolved and all agents , including a "supervisor" who stated he is the only person at the company hung up on us. This has gotten out of hand and now I don't know how legit this company is. Sounds pretty fraudulent to me. I need my money back. I have asked to issue out another check and send it *** and yet I get hung up on. I just called today, March 06. 2024 and the so called supervisor refused to help me and he kept repeating he's the top person on the floor when I asked to speak to his boss, he then got quit for 3 mins, and terminated the call. All I want is my money without all the adolescent games.Business response
03/13/2024
Please see attached.Initial Complaint
03/05/2024
- Complaint Type:
- Product Issues
- Status:
- Resolved
Complaint against: CMFG Life Insurance, subsidiary of TruStage Financial Group. Ph.# ************. My mother (*********************, policy #**********) was scheduled to receive her FIRST long-term healthcare policy check of $5775 on 2/20/24 after paying into the program for 20+ years, qualifying for benefits and waiting the 90 day elimination period. When her check didn't arrive (11 days after it was supposed to be paid), I called to check on it and was told there is an issue with the payment vendor and they do not know when the check will be sent. I asked why the payment could not be sent via ACH to my mother's bank account, which is how her premiums are paid (directly from her bank account), I was told that's not an option. So, the company gladly accepts premiums electronically but won't send payments TO THE SAME ACCOUNT??? No one was able to explain what that's not possible. I asked what their contingency plan was for when they are unable to send monthly payments to their clients and was told their contingency plan is with the same payment vendor. That is not a contingency plan! I was told that I would receive an update today (3/4/2024), I did not. So, I called again, and was told a supervisor would return my call. That has not happened. My mother is relying on this payment to pay for her room at a memory care facility and will soon be in arrears with absolutely no resolution in sight (at least none that I've been told). I'm sure that my mother is not the only insured anxiously awaiting their payments and instead receiving only excuses.Business response
03/14/2024
Please see attached.Initial Complaint
02/27/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
Certificat Number: ********** R1758103 Insured: *************************** Effective Date: 01/01/2023 Family Plan January 1st of 2023, I inadvertently mailed out an Accidental Death and Dismemberment policy. After about 9 months my wife asked why a deduction for $45 was being made to this policy? I had forgotten about it and told her I didn't know what she was talking about. After looking into it, I found it was for the aforementioned policy. I called the company and explained to them what had happened. The person stated that I wouldn't receive any refund, and it would be terminated. I truly expected not to receive any refund for my own fault! Checking my bank statement this January and it's still being deducted. At $45 a month for currently 12 months the total cost should be $585, my bank statement shows a total deduction of $3,386.57. I would truly be happy with getting back the $2,801.00 Thank you for your time in this matter.Business response
03/04/2024
Please see attached response.Customer response
03/05/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
***************** *****Initial Complaint
02/05/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
I tried to cancel. Policy renewal Feb. ****. Cancelled, Dec 16th 2022. Payment for **** Feb demanded anyway.I then asked for a lower benefit from 15k to 7k.Not issued. Second notice for payment to term end ****, Feb ****.Business response
02/15/2024
Please see the attached response.Initial Complaint
12/07/2023
- Complaint Type:
- Product Issues
- Status:
- Resolved
We got a bill from TruStage insurance. I ignored it because we never heard of TruStage. But we got another bill. I looked up TruStage to get a phone number. The person who answered was polite and tried to help. He said my husband signed up for this policy in **** and that the monthly payments were $45.18. I asked where the money came from. He said it came from a bank draft. This is not true. There have been no withdrawals for $45.18. He says we owe $135.54 for the last few months since the bank draft did not work. This is for a $10000 policy. As you can see this is no bargain. According to the company representative Art pays monthly until he is 100 years old or dies. This appears to be consumer fraud. We are asking, where did the money for this policy come from? The policy number is 51NJ5083631.Business response
12/18/2023
Please see attached response.Initial Complaint
12/04/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
The life insurance claim was filed several months ago and has not been paid. I have sent the required documents and continue to get the runaroundBusiness response
12/13/2023
Please see attached response.Initial Complaint
10/09/2023
- Complaint Type:
- Product Issues
- Status:
- Resolved
I just realized TruStage has been deducting quarterly payments for CMFG Life Insurance ** since 12/2015 from my bank account. I reached out to my Bank to find out who the company was deducting and was given the phone number. I called in September was told by TruStage it was an Accidental Death policy for myself and spouse. I asked for a copy of the enrollment with my signature since my husband has been deceased since 1/2015. They did not provide it and said they took over the policy from another company 12/2015 but couldn't provide the other company's name. They said at that point they would remove my spouse's name from the policy and lower the premium. I would like a refund for being charged for a spouse who was already deceased. I paid 13.50 12/2015, 54.00 per year 2016-2022 and ***** for 2023. It should have been 6. for 2015, 168. for years 2016-2022 and ***** for 2023 a refund of ******. I am a senior citizen and appreciate your help. Thank you.Business response
10/19/2023
Please see attached response.Customer response
10/21/2023
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
***************************** they have issued a refund to my satisfaction. Thank you BBB so much for your help.Initial Complaint
09/27/2023
- Complaint Type:
- Product Issues
- Status:
- Resolved
My wife and I took out an extra life insurance policy. When the amount was withdrawn from the account, it was more than we wanted to pay. Since it was coming out of my wife's account, she called to cancel. She was refunded $60 dollars for the August payment. They would not allow her to cancel mine even though it was coming out of her account. Unfortunately, I wasn't able to contact them until two weeks later. Because of that, I received $13. They knew we wanted to cancel, but their attitude was more like "oh well". I would like all the money back due to poor customer **********************.Business response
10/02/2023
Please see attached response.Initial Complaint
07/10/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
I have been charged 95 a month for several years. I have been trying to cancel for 2 months. I keep getting put on hold and disconnected. Smells like a scam if you can't cancel.Business response
07/19/2023
Please see attached response.Initial Complaint
02/27/2023
- Complaint Type:
- Product Issues
- Status:
- Resolved
My brother had a life insurance policy which I am named the beneficiary. He passed away Sept. 29, 2022, and the funeral home contacted CUNA on Sept. 29, 2022. I filed a claim and submitted all the requested documentation and medical release authorizations for *********** clinic and *********** (******************** in October **************************************** November 2022. On Dec. 13, 2022, I received a letter that they were still waiting for records requested from the clinic on Nov. 13, 2022.On Jan. 12, 2023, I received a letter from CUNA that medical records were requested from *********** Clinic on Nov. 13, 2022, but for some reason they didn't request the hospital records at the same time. In January 2023, I received a letter that CUNA received new documentation (clinic records) which will be reviewed and will send me a written update. I received another letter on Feb. 10, 2023, that CUNA was now waiting for medical records from *********** (******************** which weren't even requested from CUNA until January 12, 2023, so I called *********** (******************** on Feb. 20, 2023, and they advised that they had sent CUNA an invoice for the hospital records on January 26, 2023, which was still unpaid and that the records were still sitting there.The remaining records have been available to CUNA for a month. Why both sets of records weren't requested at the same time back in November makes no sense which has caused an unnecessary delay to take care of this claim. When will this claim be completed?Business response
03/07/2023
Please see attached response.
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Customer Complaints Summary
30 total complaints in the last 3 years.
11 complaints closed in the last 12 months.