Central States Health & Life Co. of Omaha Insurance Quotes
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Review
If only there was a zero star rating. I bought a policy from CSO in early 2015. The underwriting requirements were misrepresented by the CSO agent. When I filed a claim I was put off for months while they collected medical records. The had to order some records twice as they claimed that they did not receive the first copies, one set was from a military treatment facility.
After the long wait I was told that, despite my military service, deployments, secure assignments and security clearance, I was, according to the binder, guilty of fraudulent misrepresentation and, by an agent, that I was not eligible for the insurance in the first place and that they would be refunding my premium. This move saved CSO over $35,000 in payments on my claim. I bought insurance from CSO in good faith and had no reason not to believe CSO’s designated agent.
I am now in a position where CSO will not honor their agent’s word and I am obviously unable to obtain disability insurance anywhere else. Furthermore, if the CSO agent had not been guilty of fraudulent misrepresentation himself I would have been able to secure disability insurance from a different, hopefully, more honest, company.
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