Midland National Life Insurance Company

I filed a death claim for my husband who died abroad. I sent them everything I had to verify.

I have only one original of the foreign documents and now they are demanding that I entrust this precious document into the hands of the USPS.

There was other life insurance on my husband and they paid with a copy of the certified original document from the Department of State and a copy of the foreign documents. My last conversation with a representative she insinuated that this could be a fraudulent claim.

We have been paying premiums since 1999 and I sent proof of cremation and this is the treatment get.

I would have given Midland National Life insurance 0 stars but that's not an option here. This company is horrible, do not buy their product, and falls for their agent's sale tactics.

This grade is rated base on their business operation and how their customer support team interact with me during the entire claim process of my dad's death and various requests thereafter from my mom and I. They have their policies and procedures set in place that make me wish this life insurance was never chosen. We've been a customer for over 24 years!
Death is hard enough and this company makes it even harder.
In these steps, how this life insurance is horrendous:
1.) The claim process is long and grueling due to outdated systems in place e.g. waiting for the forms to be mail when we can get a form online etc.

Everything is expected to be mailed or faxed with them -- the faxing being the quickest way. They are not effective, efficient, and modern. The claim process after my dad's untimely death took 4 months resulting even harder financial burden on us. The expense of the funeral and everything he had going while he was still alive.
2.) Rude support staffs that give you the roundabout solution to simple requests like closing and surrendering all active accounts.
3.) Support act like the retention department afraid to lose a customer without understanding why they need to cancel and surrender the products.

So they'll make canceling difficult for you because the policy owner died and the surviving family is left to deal with their automatic draft of the premium. Canceling the product is drawing on as I type, exceeding 5 months and maybe longer as we try to terminate the product.

We have sent them all supporting documents so the contingent owner can take action to terminate but they still have the decease as the owner even with his death certificate.
Look holistically at life insurance companies, for there are many, and see the perks and benefits of each. Listen to reviews on the claim processes and reviews in regards to their support staff.