Friday 29th of September 2017 08:10:15 AM
Garbage company. I applied in January which was easy as advertised. My husband did also. I go to the Dr. regularly, my husband hasnt been in years. Somehow he was approved without an exam, and I had to have one. They of course had no reasoning for this. I was given the runaround when asking. The "technicians" did not show up to my appointment twice. When I called them, I was spoken to as if i was the scum of the earth. The technicians blamed ladder life, ladder life blamed the technicians, etc. I was hung up on by the medical company they hired multiple times just trying to schedule an appointment, and ladder doesnt even have a phone number to call to speak with them! It took 6 weeks for someone to finally show up for my appointment. They were LATE and walked unto my house with mud covered shoes. How is this supposed to be a sanitary medical exam? But, I did it. Ladder cancelled my temporary insurance in the meantime because themselves and their affiliated "medical professionals" were incompetent. I was told it would take 2 weeks to get an answer. It took a month. I kept asking what was going on and they said they couldnt get medical information released from my DR. I kept asking if they wanted a release form, or for me to call but they wouldnt give me a definitive answer. I looked at my results from their lab, and as suspected every single level was perfect! I exercise regularly, eat healthy, never smoked, only drink socially, never took a drug, etc. I havent had any kind of speeding ticket in over 10 years. And yet, DECLINED. They say it is because of information in my medical file from my endocrinologist. I have my medical file. I am hypothyroid. I have taken medicine for this for years, and it has been stable for years. This is normal these days. My DR is baffled, I am baffled, and ladder wont tell me what the reasoning is for the decline. And now, they wont even answer me. It is required by law to supply this information, but they refuse. I see a lot of good ratings for them, but they havent been around long, and as a licensed insurance agent, who is state licensed and certified in health, life, and annuities insurance sales for more than 10 years, I can tell you to be wary of this company. The prices arent that great, and are comparable to many other companies with much longer history, and better service, What kind of life insurance company doesnt have a phone number, or doesnt send a policy with limits/restrictions etc., to their clients (my husbands "approved" policy doesnt have any of this information). No way, stay away. It seemed shady from the start, and seems even more shady now. UPDATE. don’t let the response from “teddy” fool you. Nobody ever told me the reason for my decline and my doctor and the records department have both verified they never disclosed any information to them. So, they continue to decline me a reason yet keep saying I was provided with one, and have lied about receiving medical information.