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Complaint Details
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Initial Complaint
10/16/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
My Father ****** ******* has been paying on his life insurance policy with Midland National as far back as 2007. I am sure it's been longer than this not too sure when he took the policy out.He lapsed in his payment due to being in and out of the hospital the company is now telling me there's nothing they can do for me when I called them on October 14th 2024 when he passed away on October 13th of 2024.They did send him a letter and said that he can reinstate it but at the time he was too ill to do anything about it. They did say his payment history was excellent when I called them. They will not give me any information on his policy and were very rude and no help to me at all.
Business response
10/23/2024
While we regret any dissatisfaction, Midland National appreciates the opportunity to review and address the stated concerns. In the interest of protecting our policyholders privacy, we will be reaching out to the client directly.Initial Complaint
10/03/2024
- Complaint Type:
- Product Issues
- Status:
- Answered
Received a letter that Life Insurance Policy would be canceled on 9/16/24, amount due $44.88. I sent them them a check. They said it was late, but I had mailed the check in time by priority mail. I am requesting help from Better Business Bureau to get my policy reinstated.Business response
10/03/2024
Midland National regrets any dissatisfaction or confusion. We can confirm prior to this submission, this issue was resolved in line with Mr. Engber's requested resolution and correspondence was sent to the address of record.Initial Complaint
08/05/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
My father purchased life insurance policy for me years ago. After his demise as I attempted to execute the provisions of his will, I contacted this company applied for a change of ownership as requested and was verbally informed at a later date that it was denied for lack of mandated documents. Midland has: - Refused to acknowledge/accept a legal will.-Mandated submittal of Testamentary or ************ Affidavit {neither was required}.-Refuses to allow/provide electronic/printed copies of policy.-Fails to effectively communicate in a timely/professional manner.These actions by Midland prevent any and all ability to manage this policy now and in the future.Business response
08/15/2024
********************** has already escalated this matter, and Midland National will be sending a full response addressing his concerns through that channel. As we have an obligation to protect our clients private and personal information, we cannot post additional information to this public forum. While we respectfully disagree with the characterization of events, we regret any dissatisfaction and hope the response sent through the other channel assists in his understanding of the Companys position.Customer response
08/24/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution ( still in progress ) is satisfactory to me.
Sincerely,
*******************************Initial Complaint
07/29/2024
- Complaint Type:
- Order Issues
- Status:
- Resolved
My life insurance policy for my husband is required payment of $1600 per year so far this year I have paid over $2000 and I just got another invoice from Midland national life stating that I owe $320.63 or your policy will terminate. It says my policy has entered a ***** period on July ******. And I need to pay $320.63 before September 3, 2024 or my insurance coverage will be terminated.Business response
08/07/2024
While we regret any dissatisfaction, Midland National appreciates the opportunity to review and address the stated concerns. In the interest of protecting our policyholders privacy, we will be reaching out to the client directly.Initial Complaint
07/16/2024
- Complaint Type:
- Product Issues
- Status:
- Resolved
I have called them on several days and times. I have left voicemails.I am told no one there can help me as I have to talk to a specific department. They transfer me to voicemail.I have sent them a letter requesting to surrender a policy.I have never had any follow up to finalize this matter.This has been TERRIBLE customer service and want this taken care of immediately.They are continuing to charge the policy premium payments I am sure, but doubt they would cover if a claim, since I want to surrender it.I want the proceeds sent to me immediately.Business response
07/24/2024
Midland National is committed to our customers and regrets the frustration expressed by our Policy Owner. We strive to provide exceptional customer service and it appears we did not meet those expectations for ************. Midland National appreciates the opportunity to review and respond to feedback and can verify we have completed a full review and been able to connect with ************ to meet his needs for the Policy.Initial Complaint
06/18/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
I purchased universal life insurance policy with midland since 1994 I have been paying them via auto pay every month In 4/24 and 5/24 they sent me letters which wet wrongly delivered to my neighbors by mistake by mail carrier in my area. The letters indicate my policy was overlapping by $5.05 My neighbor was out of town and she delivered the letters to me on 6/16/24 I called midland on 6/17/24 and they told me my policy was terminated I asked to speak to a supervisor the representative told me it would be the same answer Im really saddened Im a veteran. I believe I deserve a better treatment since I serve this country and now Im being ripped off by midland national. Im asking for your agency to assist me with this matter Im a senior citizen with health problems I consider this an elder financial abuse by midland national because Im vulnerable due to my age and health problemsBusiness response
06/28/2024
************ has already escalated this matter and Midland National will be sending a full response addressing his concerns through that channel. As we have an obligation to protect our clients private and personal information, we cannot post additional information to this public forum. We regret any dissatisfaction and hope the response we send through the other channel assists in his understanding of the Companys position.Initial Complaint
05/20/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
I have had an annuity/IRA account for years and make an annual withdrawal on the listed date, March 19th. This year my husband died in January. In trying to work through all the many issues related to his death, I was working hard on putting together a new budget and so filled out the annual required withdrawal form at the end of February. I signed the form on 2/25/24. Well aware that the withdrawal date was March 19th, I attached a handwritten note stating this form was for use on that date.Suddenly, i was hit with a much larger withdrawal than my usual annual RMD, including huge penalties for early withdrawal. No one ever contacted me. Our financial adviser made several calls to try and straighten this out. One person said they never saw any letter. Another said they got it but it "didn't count". Only the form date did. I called. After long delays i got disconnected twice. I have sent 2 letters with copies of all documents and have been ignored.I was just trying to be organized during a very tragic time. If anyone at Midland even took the time to read the note attached to my RMD form, they didn't even bother to call or email me. Everyone has been exceptionally dismissive and rude. I'm a very reasonable person, not a complainer. But this is just wrong.Business response
05/29/2024
Midland National regrets any resulting dissatisfaction but denies the characterization of events. Any request was processed in accordance with the instructions provided by the Owner. We have also sent a full response to the Owner with additional details.Customer response
06/04/2024
Complaint: 21726183
I am rejecting this response because: The situation has not been fully addressed. The "explanation" letter sent 5/22/24 from Midland is totally unclear form nonsense. I was disconnected twice just trying to find out what they want. I keep copies of EVERYTHING. I have sent copies of everything to them several times. Once again, they are just automatically brushing this off
Sincerely,
*****************************Business response
06/07/2024
We regret any confusion; the full response addressing this matter was sent to the Owner via mail on May 29, 2024. A copy of this response has been emailed to the Owner as well. We hope this information is helpful.Customer response
06/13/2024
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. I give upI am definitely not happy with this, and they know they can outpower me and I have no other recourse. But they know this is not right. Bad karma, certainly.
Sincerely,
*****************************Initial Complaint
04/08/2024
- Complaint Type:
- Delivery Issues
- Status:
- Resolved
My dear wife has been in a coma for 75 month and passed Jan 16,2024. Policy number ******Business response
04/17/2024
Midland National is in receipt of your email received in our office on April 8, 2024. We appreciate the opportunity to review and respond to you and ************* regarding this matter and regret the frustrations expressed by our policyholder. We have sent separate correspondence to ************** regarding this matter, which has been resolved. We hope that you find this information helpful. However, feel free to contact me with any questions or concerns.Initial Complaint
03/28/2024
- Complaint Type:
- Product Issues
- Status:
- Resolved
I have been requesting information about my policy since 1/9/24 and no one has an answer. I filed a withdrawal request which they received 3/12/24 and i was told will take 3 - 5 business days to process, 7 - 10 business days another time I called abd now **************************************************************************************** any information about my policy. I am no longer able to view my information online (since November of 2023) and no one can tell me why. Please assist. Thanks.Business response
04/04/2024
Midland National is committed to our customers and regrets the frustrations expressed by our Policy Owner. We strive to provide exceptional customer service and it appears we did not meet expectations on the Policy Owners recent request.
Midland National appreciates the opportunity to review and respond to the feedback and concerns expressed and states that a full review has been completed and communicated to the concerned party.Initial Complaint
03/08/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
On April 8, 2023 I rolled over my 401k into an Midland National ******* **** I was not made aware that there would be a graduated surrender charge if I decided to withdraw my money from the *** on January 22, 2024 and Midland National charged me a 9.5 percent surrender fee. The initial amount of the 401 transfer from Fidelity to Midland National was $71,456.11 and at the time of surrender the balance in my *** ******* was $71,456.11. Midland national charged me 9.5% or $6788.33 for basically doing nothing for the 8 months they were in possession of my funds from Fidelity. If I had known that the surrender fees were this high, I would not have rolled them over to Midland National. I am also not sure why there was no increase in value during that time period? In any event, I would like to recover this surrender charge of $6788.33 without having to hire an attorney. I have attached two documents showing the Fidelity roll over from my 401K and the Midland National Surrender Charges.Business response
03/15/2024
Midland National is committed to our customers and regrets the frustrations expressed by our Contract Owner. Midland National appreciates the opportunity to review and respond to the feedback and concerns expressed and states that a full review has been completed and communicated to the concerned party. We respectfully disagree with the characterization of events ************* has provided based upon file documentation and information determined during our review.
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36 total complaints in the last 3 years.
14 complaints closed in the last 12 months.