ComplaintsforCMFG Life Insurance
Need to file a complaint?
BBB is here to help. We'll guide you through the process.
Complaint Details
Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.
Initial Complaint
01/05/2023
- Complaint Type:
- Sales and Advertising Issues
- Status:
- Resolved
I don't know who these people are, but they will not remove me from their mailing list unless I provide them personal information. It appears to be a scam to acquire personal information. I keep getting their mailings and want them to stop.Business response
01/17/2023
Please see attached response.Initial Complaint
08/16/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
8/15/2022 life insurance in amount of *******. Made monthly payments since 2013. Need to cancel to move to irrevocable trust for funeral since holder went on state assistance. Balance paid in *******. They will surrender policy at approximately 22.75%(1436.34) or continue to make payments of ***** monthly until death. Holder will still only receive the *******. If stop payments they will cancel and he receives nothing. I feel he should receive at least 80% of the policy he has paid for. Account: 51 NJ8765767. Spoke with a *****. I am the ***** of ************** for *********************** (policy holder). Thank youBusiness response
08/23/2022
See attached response.Initial Complaint
07/06/2022
- Complaint Type:
- Product Issues
- Status:
- Answered
I call these people on, June 27,2022 nine different time and on July 6, 2022 five times asking them to cancel. Certificate Number ******* R1532381 and they still haven't done so. Instead of doing as I requested they're to busy wanting to tell me about their policy and how good it is even trying to cancel my life polices which I never asked them to look at nor talked about with them. These are some very ill-bred unprofessional customer **********************. I spoke Moner twice her name may not be spelled correctly. I asked her for a supervisor in counting eight different time even alerting her that I was filing a complaint with the Better Business Bureau several times claiming she was getting a supervisor and the phone hungs up with me having to call back.The accidental death policy doesn't cover what I asked for and they took the Cancer, Heart Attack and Stroke Beneefit and I wanted that along with the policy. I called by speaking with ****** who claims to be a supervisor who wasn't was just as uncaring and showed no concern whatsoever...These people are the worst very unprofessional and all they care about is getting the customer's money not caring nor concern about the mistreatement they received.Business response
07/15/2022
Please see attached response.Customer response
07/18/2022
Complaint: 17526517
I am rejecting this response because:
Sincerely,
*******************************I reject and don't approve because its their word against mines and NO proof that they will reply or resolve this matter with me!! I haven't received a call nor have I heard from this business concerning my complaint nor the issues!
Initial Complaint
06/20/2022
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I had life insurance policy obtained in 2010 on someone who died 5/28/22 so I contacted the insurance company. Cuna Mutual informed me that they had been sending notifications to the insured at an address not provided by me or the insured and I questioned that because first the insured was visually impaired and our daughter handled everything for him and this wasnt her address second all communication was and had been through me or delivered to me I was the account holder and the one paying the monthly premiums with autopay from my banking account and lastly the insured didnt even reside at that address at the time of enrollment. Cuna Mutual then proceeded to inform me that the insured must have requested the change of address and I know that for a fact that that was not true because the insured was visually impaired and our daughter was responsible for her Dad until his passing. He resided with her (07) until she placed him in a nursing home (13).My argument is no notices were sent to me but they kept taking my money, they supposedly sent notices to an address that neither the insured nor policy holder resided white still taking my money because of this I was not able to extend the policy or make changes he died at 76yrs and policy ended at 75yrs so I would have extended or changed to whole life or gotten all the premiums I paid why would I pay for over 10yrs to just let go of policy. If they did a ****** search for the insured why wouldnt they do one for the policy holder/payee. They emailed me a copy of a letter dated 5/18/21 stating policy expired 5/18/21, why would you send a notice dated expiration date on the expiration date.Business response
06/22/2022
Please see attached response.Initial Complaint
04/14/2022
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
My father purchased a life insurance policy with this company almost 4 years ago (May 2018) after a previous plan went up drastically in price. The policy was purchased online and the premiums have been deducted from his checking account monthly. My father passed away in March 2022 and now they will not pay his total policy, saying he willfully lied on his application (they stated his DOB was listed as **** instead of ****). Even their statement of values says that if you knowingly present false information that it will result in a denial of benefit - but Im 100% sure that my father knew his DOB and did not willfully lie on that application - and to claim that he did is disgusting. However I have contacted this business and requested copies of documentation as well as something proving that my father was the one who actually made the mistake and not someone in their company, to which they have ignored my calls and requests, simply stating that they honored the policy after adjusting the benefit for the age discrepancy. They paid out less than 20% of the policys value (he was paying for a $25k policy and they paid out $4600 which barely paid for 1/3 of the funeral costs). Since they verified to me on the phone that they never check on what anyone submits to them - not DOB, SSN or asking for anything to verify someones identity - They should be liable to pay us the full policy amount of $25k. They had no issues taking his money while he was alive and now they dont want to pay what is due because they would have to admit fault now that hes deceased.Business response
04/18/2022
See attached response.Customer response
04/19/2022
Complaint: 17025625
I am rejecting this response because: it does not resolve our complaint, it simply restates the same issue. I do not believe that there is anyone at that company that can or will provide me complete AND correct documentation that proves, without a doubt , that my father is the one who made an error on the submission of his date of birth and not someone at their company who made a change after-the-fact and that this is why they do not want to pay out the claim.
I have read other reviews online about how shady and unprofessional this company is for taking peoples money and then not providing the goods/services which were paid for.
Their claims manager told me on the phone that they do not check in any way on what people are sending them - which means that as long as they have someones banking information in hand and can take your cash every month, they dont care because they will just s**** over your beneficiaries when you die.My father went to this company thinking they would help his family when he passed away - but all theyve done so far is not only say well, too bad but send heartless promotional messages in the letters they sent to us, which makes it a million times worse because its obvious that they dont care and everyone is just a dollar sign to them.
Sincerely,************************** - daughter of deceased, ***** Giroux
Initial Complaint
03/23/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
I received an application for Life insurance, to either ADD whole life to my existing term life insurance OR CONVERT the term life to whole life insurance.I chose Convert the term life to whole life on page 2 of the application. Yet 2 payments continue to be withdrawn on auto pay from my bank account (for both term and whole life). I am requesting a refund retroactive to the date my application said CONVERT to whole life insurance.Business response
03/30/2022
Please see attached response.Customer response
03/30/2022
Complaint: 16929641
I am rejecting this response because:On November of 2020, I was offered a whole life insurance policy to either ADD to my term life or CONVERT my term life to whole life. I choose to convert to whole life as clearly indicated on the application (pg 2) signed on 11/20/2020.
Two payments for both term and whole life were wrongly deducted from my banking account. The business admits no fault, yet they clearly did not read my comments on the application to CONVERT to whole life and were wrong to continue withdrawing funds for both term and whole life policies
I am due a refund.
Sincerely,
*****************Business response
04/11/2022
See attached response.Business response
04/11/2022
See attached response.Initial Complaint
03/23/2022
- Complaint Type:
- Product Issues
- Status:
- Answered
November of 2021 $85.75 a month, spoke to *** and she canceled my policy on March 2nd of 2022. I forgot to ask for a refund and then I got an text saying money would be coming out of my account March 17th. I called March 10th and spoke to ***** and said I wanted a refund, she said they didn't due that and I told her I would contact the BBB and she put me on hold. Then ****** came on the phone and I told her I was never told I couldn't get a refund if I canceled and she still said they wouldn't refund and I told her I was filing a complaint with BBB and hung up the phone. I didn't die and I want my money back. Account #MC0068107 *********************** **************************************************. Just to make sure you have my name and address and account number.Business response
04/04/2022
See attached response.Customer response
04/04/2022
Complaint: 16929456
I am rejecting this response because:
Sincerely,
***********************Dear Cody,
I don't believe they will call me or refund my money. I have no faith in this company, they where very rude on the phone.
Sincerely, *********************** ************
Business response
04/05/2022
Please see attached response.
*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩
BBB Business Profiles may not be reproduced for sales or promotional purposes.
BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.
When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.
BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.
As a matter of policy, BBB does not endorse any product, service or business.
Customer Reviews are not used in the calculation of BBB Rating
Customer Complaints Summary
30 total complaints in the last 3 years.
12 complaints closed in the last 12 months.