Saved the declined death claim of
life Insurance on Franklin Powers
Client Background
In this case, the wife as the Beneficiary of the client Franklin Powers reached out to Mark Zeng regarding a critical situation involving their husband’s death and an active life insurance policy with Americo Income Life Insurance.
The client had applied for the insurance in March, locking in her husband’s age for the policy. The husband had undergone several tests, including an EKG, stress tests, and an MRI, all of which showed no signs of heart problems.
Despite this, he tragically suffered a heart attack after a bypass surgery to treat his clogged leg caused by his diabetes and passed away shortly after undergoing vascular surgery for circulation problems related to diabetes — which happened a few days after the insurance policy got approved.
The insurance company declined the death claim by 2 years in a contestable period clause by the insurance industry.
Mark Zeng developed a case of the death claim and reversed the declined claim and made the claim get paid!
The Situation
The client reached out to Mark Zeng after her husband’s sudden passing. The insurance policy had been approved and paid for, but the client was unsure if the policy would provide coverage under the circumstances of his death. She had been assured that the insurance was active when the premium was paid, but she feared complications in making a claim.
Mark’s Approach
Upon receiving the case, Mark Zeng quickly assessed the situation. He verified that the premium for the insurance policy had been paid and that the coverage was active at the time of the husband’s passing. Mark reassured the client that her husband’s death, while unexpected, should not invalidate the claim as long as the policy was in place.
Mark promised to advocate for the client by appealing to Franklin Powers Insurance on her behalf, ensuring that the claim would be processed smoothly. He dedicate to support the client through every step of the insurance process until get paid.
Client’s Emotional Situation
The client expressed that she was not expecting her husband’s death and was under great emotional and financial stress. She wanted to ensure that the insurance claim would be processed quickly to provide her with much-needed financial support. Mark understood the gravity of the situation and empathized with the client’s urgency.
Mark’s Support and Transparency
Mark reassured the client that her husband had already paid for the insurance policy, and she wouldn’t be left without coverage. He also assured her that he would handle the appeal with full transparency and integrity, making sure the process would be ethical and straightforward. Mark emphasized that the client’s well-being was his priority.
Outcome
Mark’s professional and empathetic approach helped the client feel confident and secure in proceeding with the claim. The client was grateful for Mark’s support, which allowed her to focus on her emotional healing without worrying about the insurance process.
Testimonial
“Mark Zeng was a lifesaver during a challenging time. His professionalism and support made sure that my husband’s insurance claim was handled smoothly and without delay. I can’t express how much I appreciate his dedication to ensuring I was taken care of. Thank you for your help, Mark.”
Full Audio and Transcription of the Call
[Mark Zeng] (0:02 – 0:21)
Okay, so we applied for Franklin Powers Insurance to lock in the age in March, and so policy approved, and now I want to deliver the policy to you, but you said your husband died which date?
[Speaker 1] (0:23 – 0:38)
He died on the 25th, which was last Sunday. Last Sunday, oh I’m sorry, not last Sunday, but the Sunday before last, because last Sunday was the first. Oh, it wasn’t yesterday, it was the Sunday before.
[Mark Zeng] (0:39 – 0:55)
Oh, okay, so it’s May 25th, right? May 25th. Mm-hmm.
Okay, so let me see if I, because he, since he already paid the payment, so he got the insurance already, and I’ll look into it.
[Speaker 1] (0:55 – 0:59)
That’s what you had told us, that he already had the insurance when we gave you the check.
[Mark Zeng] (0:59 – 1:08)
Yeah, right, right, so and you said that his doctor said his heart is okay, but what kind of testing his doctor made for him?
[Speaker 1] (1:08 – 1:30)
They did EKG, they did stress test, they ran, they sent him through the, he had MRI and another one, and I can’t think of it, and all of them, they all said that the heart looked really good and strong. The doctors didn’t even expect it.
[Mark Zeng] (1:31 – 1:33)
Okay, and he died from what reason?
[Speaker 1] (1:34 – 1:35)
He had a heart attack.
[Mark Zeng] (1:36 – 1:37)
It’s a multiple heart attack?
[Speaker 1] (1:38 – 1:39)
One heart attack.
[Mark Zeng] (1:39 – 2:02)
One heart attack, okay, so, okay, so doctors’ diagnostics are not necessarily truthful, right? But anyway, so, but anyway, so, so we, let me see, we will, like I told you, we deleted our promises, so I’ll try to work it out for you and appeal for you and try to make a claim for you, because you already paid, he already paid.
[Speaker 1] (2:02 – 3:08)
Yeah, because I really need the money now. I didn’t know this was going to happen, so, and he didn’t either, and we were like, and because they wanted to do the surgery, because of what was happening, they were afraid his leg was going to, he was going to start having problems and he might lose his leg later on down the road, so they were going to give him more circulation in his leg so he wouldn’t, he wouldn’t lose his leg.
Because they were, because they were watching, you know, because of the, you know, you knew he was diabetic.
And he wasn’t on insulin.
But he, his, his feet were getting, were starting to have, having problems, so we took him to the doctor, because he said his feet were cold, so we took him to the doctor and the doctor said, you know, you’re having problems with your circulation in your feet. Mm-hmm. Because we have a new procedure that, so that we can cut out where you don’t lose your legs.
[Mark Zeng] (3:08 – 3:08)
Oh, okay.
[Speaker 1] (3:08 – 3:09)
Your feet.
[Mark Zeng] (3:09 – 3:10)
Okay, okay.
[Speaker 1] (3:10 – 3:11)
And so that’s what they went and did.
[Mark Zeng] (3:11 – 3:12)
Okay.
[Speaker 1] (3:12 – 3:39)
They did this vascular surgery. Okay. To help the flow, and when he came out, his legs were pink, he had good circulation, the doctors came out and said he was doing really good, they were really pleased with the, the results from the surgery, and so he went, okay, good.
Okay, okay. So we were real happy about that, he was too, then I guess Sunday morning he had a heart attack.
[Mark Zeng] (3:39 – 3:42)
Oh, okay. Okay, okay, let me see.
[Speaker 1] (3:42 – 3:46)
It had nothing to do with the surgery or anything, he just had a heart attack.
[Mark Zeng] (3:46 – 3:48)
Okay. Okay, so…
[Speaker 1] (3:48 – 3:50)
And that could have happened even if he was home.
[Mark Zeng] (3:50 – 3:52)
Okay, let me appeal for you, okay, so…
[Speaker 1] (3:52 – 3:57)
I would greatly appreciate it, because I, like I said, I really wasn’t expecting it.
And I, and he wasn’t expecting it, and I’m not trying to pull anything with the insurance company.
[Mark Zeng] (4:06 – 4:07)
Yeah, right, right, okay.
[Speaker 1] (4:07 – 4:08)
You know what I mean?
[Mark Zeng] (4:08 – 4:10)
Oh, okay, get back to you, okay.
[Speaker 1] (4:10 – 4:13)
Because, because, you know, because Wells Fargo, remember?
[Mark Zeng] (4:13 – 4:14)
Yeah.
[Speaker 1] (4:14 – 4:34)
I told you Wells Fargo wanted to make sure we had insurance on him. Yeah. And me, and so we just did it on him, because I already had two policies, and I said, we don’t need a third policy on me, I think mine would be fine.
And so I said, you won’t have any problems, and he said, okay, but little did we know, he was…
