Cancelled Life Insurance but still receiving payment requests in the mail?

  • by EscvvRt0
  • Jun 26,2018
  • 6 answers

I thought I had cancelled this life insurance policy.
My mother bought it for me, lives in a different state and wanted to pay for it for me. She paid on it for about a year before deciding that it was to expensive and it was time to cancel.
Calling on the phone to cancel the policy was confusing because it was one company doing the insurance through another company. But ultimately I thought that I had found the final company and cancelled it.
More than 6mo later I am still receiving mail from National Life Group requesting that I pay premiums. (Of course they even tracked down my new address)
They DID say that some coverage lapsed due to insufficient payment though.
My question is: if there continues to be no payments on the life insurance plan then will it just lapse? Also, do I really need to go through the phone chain again to try to cancel this policy? I was already led to believe that it was cancelled maybe there has been break in communication between these two companies.


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Insurance Answers (6)

STEVEN F 2 weeks ago

I thought I had cancelled this life insurance policy.
That is the problem. You THOUGHT you did X, but don't have confirmation. You need to contact the company to resolve the issue.

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Marie K 2 weeks ago

send the billing request back marked POLICY CANCELLED and sign it

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Casey Y 2 weeks ago

You should be able to log into their website for some assistance...

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Flower 2 weeks ago

Your mother has to cancel it, you cant do that. She owns it.

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StephenWeinstein 2 weeks ago

You need to stop using the phone. You should be communicating with the insurance company only in writing, without using the phone. The reason that you were misled is that you used the phone. If you want accurate information, then you need to get in writing, and not on the phone.

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babyboomer1001 2 weeks ago

A lapse IS cancellation. When you don't pay, they do not continue the insurance. They want your money. That's why they keep sending you invoices. I get them all the time from Global. They cut off a person at age 80 - not very good. Either rip them in half and throw them out or return them as "moved", "not at this address", "not interested" - whatever suits you.

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