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Reassure America and Jackson National Life Insurance Company Disability Claims

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Reassure America disability insurance claims, benefit denials & lawsuits

On December 31, 2012 Reassure America Life Insurance Company (Reassure) was acquired by and merged into Jackson National Life Insurance Company (Jackson). All long term disability insurance and life insurance formerly handled by Reassure will now be handled by Jackson. Throughout 2013 Jackson National Life sent notice to all Reassure disability policy holders advising of the new ownership. It is unusual that Jackson National Life purchased Reassure, as Jackson has little to no experience in the disability insurance business. It is likely that the employees of Reassure will continue to manage and administer the long term disability insurance claims for Jackson. The merger between Jackson and Reassure should not have a negative affect on any Reassure policy holders. Jackson does not have a track record of handling disability insurance claims so we will need to see what happens over the next few years.

Disability claimants are often seeking information regarding Reassure America long term disability reviews. We have created a forum where insurers can post reviews and comments about Reassure America short term and long term disability claims. Our attorneys respond to most comments posted by our visitors.

As disability insurance attorneys, Dell & Schaefer have represented numerous clients with their long-term disability claims against Reassure America and its affiliated companies. Disability Attorneys Dell & Schaefer have provided and offer the following legal services for disability claimants that have a long-term disability insurance policy or disability income policy purchased from Reassure America:

Call us for a free consultation to discuss your claim for disability benefits with Jackson National Life Insurance Company.

There are 24 opinions so far. Add your comment or complaint now.


I purchased a disability policy from Reassure America 16 years ago. Paid them on time every month. When I bought the policy the agent said if I ever had a claim I would be asked to prove my income. I asked what proof I would need. He said W-2’s, pay stubs, and tax returns. OK I say that’s no problem. Now 16 years later I become disabled, I will be unable to work for at least 1 year, maybe more. I own an S-Corp and I am its only employee. We had a bad year last year but we still met pay-roll, I have the W-2’s that I paid taxes on. Now I must close the company because of my injury and they say after they DEDUCT the company loss from my income I don’t qualify for benefits?? I paid them almost $20k over the last 16 years and now I get nothing???

Attorney Greg Dell:

Tim, we have would have to see your disability policy in order to answer your question. Most private disability insurance policies have a fixed monthly benefit amount regardless of your income at the time you become disabled.


My policy has a fixed amount, $1400 monthly. It also says “W-2’s, tax returns, & pay stubs will be required to verify income. All of which I supplied. My doctor says he knows this company and they NEVER pay without a fight. After a few thousand dollars in lawyer fees we got them to agree to $1200 a month. Like I said these guys are slime balls, anyone looking for a GOOD disability insurance company should look elsewhere.

Margaret Hartland:

I received a letter from Reassure America Life Insurance saying I was the beneficiary of my parents’ life insurance. The policy amount at my father’s death was 11,000.00 dollars. My mother took it out in 1969 and paid every month until 1986 when she was diagnosed with grade 4 breast cancer; it had already metastasized to her brain. My father had already had 3 strokes by this time. When mother died he did not remember about the policy. He died 2 years later. The insurance company just notified me about the policy 23 years after her death. The policy was now worth only 600.00 dollars. When I asked them why it took them 23 years to notified they did not have an answer. When I asked what happened to the money they also did not have an answer. This company is not worth the paper its written on. I would advise anyone thinking of perching this insurance to run as fast as you can away for them.


This concerns me, hearing about the complaints about this insurance company Reassure America – not just on this website but others as well. I have a policy with them also, it was CNA before Reassure.


First CNA, Valley Forge, now Reassure America Life Insurance. It is hard to get hold of anyone. They never put any phone number in their correspondences. My wife tried to change the beneficiaries. She sent in two times. Both times, they claim they never received it. One time they required it be notarized. Nowhere in the paper says it should be notarized. She got it notarized and sent in. They still claim they never received it. I have never ran into an insurance company this much trouble before. I am wondering if this company is just a front company for a big scam business. Now I am really concerned. I have been paying premiums last 10 years for my and my wife’s insurance. Anyone wants to share the experience?

Attorney Greg Dell:


Reassure is a real company and more often than not they are reliable. Insurance companies often buy life insurance and disability policies from other companies. There is sometimes confusion when the consolidation of policies takes place. You may want to file a complaint with the Department of Insurance in your state, which will be sure to get you a response.

George M. Vietze:

I have had a policy with CNA, Valley Forge, Reassure America which was recently acquired by Jackson National. After paying premiums for 14 years, purchased at age 62 now 76 they raised my premiums 50%. After reading about all the denied claims it seems that these companies take premiums from younger policy holders, wait until they are much older and are reaching the age where claims are likely they significantly raise premiums to force policy holders to either reduce benefits or lapse the policies. Even if policy holders continue to pay the higher premiums they deny future claims for these older claimants that may take years to litigate, in the meantime, claimants give up or die. This is worse than a ponzi scheme because in most ponzi schemes when the perpetrator runs out of money to pay claims the scheme is uncovered, in these cases the claimants eventually pass away. The insurance companies rewrite these policies to attract younger policy holders and the scheme continues. The insurance companies claim that the claims estimated for LTC were underestimated and premiums were undercharged, the facts are that the premiums were designed to attract more younger policy holders and when these policy holders reached potential for claims the shock lapse rate would either reduce claims relapse policies. They are professionally in the business of determining policy premiums and underwriting policies and know exactly what they are doing. This is an intentional scam and must be uncovered. Another policy holder has claimed a second 45% increase in premium. Even if you pay the increase premium you face the problems of claims being denied. They also sent me a number of option to reduce premiums by reducing coverage or benefits, the reason we purchased these policies at a younger age was to lock in lower rates in order to avoid larger premiums at a later age.

Suggestions are welcome.

Attorney Stephen Jessup:


Thank you for posting. What you have experienced is unfortunately not uncommon. Many insurance policies increase premiums once the insured reaches the age of 65.

Susan Smith:

My mother 80 years old received a letter about my died fathers insurance on her and my father. It appears that the funeral home was the benafisary on the policy. My mother is trying to transfer her policy to her instead of my dead father or the funeral home, which never notified us of this policy he bought from them. She has finally been told after several letters notarized and her attorney sending paperwork that it was transferred into her name. It also did not say that it was closed and all funds transferred and sent to her. She called and said why haven’t sent her the funds they said she had to sign another release request. Which she had signed and notarized several times. My mother is very sick of this entire problem. This company is taking advantage of the elderly, no matter what the name is. Needs to be investigated for insurance fraud, and going in with funeral homes on this being paid too.


I agree with Mr. Vietze, above! My wife and I started in 2002 with Valley Forge(CNA), then Reassure America, and now Jackson. Our agent was USAA (Life General Agency). Talk about kick the can down the road! The twists and turns of this industry will challenge any audit skills the State Insurance Commissions might possess. We just received an 80% increase in premium for the coming year. It is quite apparent, from the sudden 80% increase in a single year, that the actuarial computations suffer from either incompetence and/or fraudulent practices. Have low interest rates had this size of impact on insurance premiums?

I (age 77) was offered the option to cancel the policy and retain a reduced Lifetime Maximum Benefit. My wife (age 66) was not offered any option. It is quite clear that both of us are being pressured to cancel the policies, with myself receiving a small benefit (about 100 days in a long term care facility) and my wife would receive nothing at all for the 12 years of premium payments.

Is there any recourse? A class action lawsuit?

Attorney Stephen Jessup:


With respect to a class action lawsuit, I am not sure what would be the basis to sustain same. Normally the company will have to provide you with notice of premium schedule. Often, premiums can increase substantially as the age of the insured goes up.

Elaine Teel:

Will my husband be covered when he enters dementia facility soon?

Attorney Stephen Jessup:

I am sorry Elaine, but I am not able to answer your question. If you have coverage with Reassure America, I would suggest you contact them directly to discuss your husband’s coverage.

Gerrit Troisi:

Hi, my wife and I have a term policy with Reassure America. It used to be with Midland Life. Hearing some mixed reports about Reassure have had this policy for over 25 years. What I guess I’m trying to say is, are they rip-offs?

Attorney Stephen Jessup:


I would be cautious to say any insurance company is a rip off, as the facts and circumstances surrounding any claim for benefits is unique to the individual/situation.

Adora T. Cox:

I will be 60 years old next year and I debit my account every month. I got my policy when I am 46 years old. My question is, are they going to raise my premium when I reach 65 years old?

Please find time to email me back and I will appreciate it.

As I look at my account this month it’s Jackson Insurance, I never get any statement that they emerged in this new company. Please explain too.

Attorney Stephen Jessup:


You will need to contact your insurance company to determine what your premiums will be when you reach 65.


I too am now being charged by Jackson National instead of Reassure America which, when purchased was a CNA policy. After paying for this policy for over 12 years I am concerned if anything would happen. Loss of life. My beneficiaries would not have a clue how to get the insurance money. When we moved, the insurance agent who sold us the policy avoided the question and just wanted to sell us something else. The question is, while I am still healthy do I try a different company (who is trustworthy?) or do I trust whoever is owner of my policy to pay?

Attorney Stephen Jessup:


I would certainly obtain all crucial contact information for whoever is now obligated to pay the benefit. You are always free to explore coverage from other insurance companies.

Bill Hough:

Don’t know what to do, here is my plight! 1990 had Integon life insurance for my family, then it was changed to Southwestern Life Ins. also in 1990. Then it was changed to Security Life and Trust Co. 1999 The Valley Forge Ins. then Reassure American Life Ins. then Jackson Life Insurance, each time my premiums going up. We got this insurance at a young age because the rates were affordable, been sending money to Jackson every year. July 12 615.44 they keep saying I don’t have enough sufficient funds, I have it on bank draft, so they kept asking for more money and kept raising my premiums, Feb 26 2015 they received a notice of policy grace periodand wanted 697.73 cents. Plus raised my premiums to 274.00 a month, so today march 12th I cancelled my bank draft and asked about my cash value and the answer was it shows negative, so they took the money out of the cash value to pay the premiums, so why do they keep sending these notices. So now I am 75 years old with a wife and daughter with cancelled insurance, I bought that insurance when my daughter was 10 years old, she is 46 now. Had this insurance many years. Nothing I guess anyone can do. See ya from a retired military and pissed off Marine. Enjoy my money Madoff and kiss my ass.

Attorney Stephen Jessup:


Was it a lifetime policy or a term policy? Please feel free to contact our office to discuss if there are any options available to you. We would need to see a copy of the actual policy to determine if what they did was correct.


I have a spouse who worked for a major disability carrier. I do not know the attorneys on this website but from what I learned I would recommend the services of lawyers like these to assist you. Disability insurers wrote Individual Disability insurance and sold it to healthy selfemployed professionals in their prime. Now as these policyholders age and rightfully want to draw on benefits theyre eligible for doe to accident or sickness these companies are seeing huge losses from poor forecasting and planning. Individual Disability Income protection is seen as a loser and thats why it continually gets resold and policies are never renewed unless they are term. If you happen to own a non cancellable own occupation lifetime policy the companies would love for you to miss your grace period and lapse u. Also, when you make a claim be prepared for a veiled bad faith settelment offer that involves you forfeiting your policy also. its wrong to collect premium$ for many years and because of the industrys own poor planning refuse to pay honest claims in an aging population.

Attorney Stephen Jessup:


Thank you for your kind endorsement.

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