Chesapeake Life Insurance Company

Do yourself a favor and don’t get involved with this company. I had no problems purchasing a policy through this company, which was only needed temporarily, but when it came time to cancel it, it was nearly impossible. I purchased 3 separate policies: an Accident direct, Accident companion and Critical illness.
Once I canceled (after waiting on hold for about 45 minutes), I recorded who I spoke to and the confirmation number. She explained they would refund my money, and there was no cancellation fee. A month went by, and they charged me for the policy.
I called back, waited on hold for over an hour. I referenced the previous call and confirmation number and who I spoke to, etc. I was told by the new rep that they would refund me but that it would take 45 business days. (!!!) The very next day I received a refund for $ 4.80, which was not the amount I was due. I called back but after holding for an hour, I had hang up the call.
It’s been 4 months now and I disputed this charge with my credit card company. This company STILL would not refund me the charges that I didn’t authorize since my policy was cancelled. Today for Sh! ts and giggles I called to find out why they had never refunded me. Shockingly, I got through after just a few minutes wait — I must have timed it just right! Now I have a new rep who is stating that when I called 4 months ago to cancel my policy, the rep only cancelled 1 of the 3 policies, so they never bothered to refund the money for the policies that she didn’t bother to cancel. Yay customer service.
I just recorded who I spoke to and the confirmation number. I was informed by this new rep that I will have to wait 21 days (funny how each rep has a different policy on refund times) before I see the reversed charge. Also they still have my credit card on file after 4 months… I wonder how long they keep that on file for considering I don’t have policies with them.
This was my fifth and last attempt to get this refund processed. Its been so many calls, and more hours than a person should have to spend to reverse a charge that I didn’t authorize. It isn’t worth the frustration anymore. I just have to wonder what they would have put me through if I had to file an actual claim during the time I had an active policy… I would assume it would be bad based on the level of incompetence and lack of customer service and follow-​through.

My grandmother is dead. DEAD… And we cannot get any answers out of this horrible company. She has been paying every month to this company for YEARS and YEARS. Her body is being held at the hospital for a ridiculous amount of time because we cannot get any claims paperwork from this company to pay for her burial. Her insurance covered burial… They will not tell us anything or give us a quote of what her policy is. The funeral home even tried to call them today and they were put on hold for 30 minutes… Just like everytime we call them. Once again, my grandmother is dead, my family is devistated, and this company can go to hell. I promise I’ll sue them. Get ready because you’re about to be sued from a pissed off professional.

I also wish I had looked at the reviews of this business before signing up. After calling marketplace for Obamacare last year during open enrollment, an agent from this company contacted me (ostensibly) to set up health care coverage. Cool! Thank you for your help navigating the insanity! Except… Not only was it the wrong coverage (my doctor, who I specifically requested to have in network of whatever policy was chosen) was indeed not in network. I paid for a month of BCBS for myself & my daughter before realizing this mistake on their end before needing to then switch to another plan. They said they would take care of the BCBS policy cancellation. Lies! Nothing was done! I called BCBS myself to have this terminated. $ 200+ I would have had more fun throwing onto a FIRE. After I got a policy set up (again through Chesapeake) with another carrier whose plan DOES actually have my doctor in network, the payment mysteriously did not go through although I got a receipt of payment. Result? Termination of new policy without notification. I also happen to be PREGNANT. Turns out, I was able to reinstate & even retroactively cover the times I went to the doctor when I didn’t have insurance but thought I did, so at least one happy ending there. (Note: the happy ending I just mentioned cost me about 3 days on the phone & a whole lot of undue stress). Lastly, this company also sold me on a cheap life insurance policy, which would be fine if there were any reasonable way to pay the bills. There is not. Not online, not over the phone, not even writing in CC info mail-​in. You can pay by check like a 108 year old or not at all. Who the hell writes personal checks anymore? And scene. Policy cancelled.

Wow! I, like others that I have read about, wish I had read the reviews about this company before I purchased the plan. I have had NOTHING BUT TROUBLE! All I want to do is get a frigging answer to a simple question. I can’t get anyone to answer the damn phone, EVER! So, I try emailing. I have yet to get a response.
You would think that a large insurance company would have a simple way to make a payment online. But, NO! Not these guys!
Shape up!

I SO wish I would have read the reviews before ever getting my Dental Insurance with this company. Not only are they over-​priced, they deliver HORRIBLE customer service, including average wait times of over 28 minutes just to make a simple payment. Go to their website you say, HA the lack of functionality is even more frustrating.
I agree with the other reviews… RUN DON’T WALK!!!

Never again, everyone stay away! I was told I was only getting dental insurance to find out I was put on Life Insurance! I had signed up for Obama care in September, for all these months I had no idea. Way to misrepresent me! To top that off, I was told the insurance would cancel in 12/​31/​2015 along with the crap Obama care. NOPE, I was charge for Jan 2016. Filing a bbb review asap! I want my entire Refund for being misrepresented and misinformed!

SCAM, FAKE, RUN FOR THE HILLS. I called MarketPlace insurance to get state Obama affordable healthcare. John Brown answered the phone he never said he only and specifically worked for Chesapeake insurance. He told me he was signing me up for Blue Cross of Michigan medical insurance (a huge reputable medical health insurance company) he said the insurance would start November 1^st. He said I had to make a payment of $ 120 to take effect and I did. Nov 1 is here and no health insurance. I called Blue Cross and MarketPlace insurance to see what was going on they have never even heard of Chesapeake Insurance and said they are not allowed to take payments over the phone. I keep calling John Brown back and he never answers or return my calls. I called my bank immediately and reported them as fraud. The person who gave them 4 stars is probably an employee there. Don’t be fooled this company is a scam. The other reviews that gave them one star saying how they trick you into thinking they are giving you state health insurance is correct. It’s a hoax.

Scam scam scam scam!!! They sell you life insurance when you think it’s state insurance. Total lie! The guy quoted me $ 200 for medical. But what he really did was set up life insurance and filled out state application for free health. Canceling this ASAP.

Insurance hoax is not insurance they make you believe that there setting you up with major medical insurance when there just selling you supplemental insurance that only take effect if you have major medical insurance stay far away only if you looking for major medical insurance don’t know about everything else. But if you lie about one thing what else you would lie about …

Take my advice and move on. Do not use them. I have had Chesapeake Life in addition to my Anthem Blue Cross health insurance just to cover the high deductible of 7,500.00 $. I was stupid enough to believe my insurance agent. After 3 days in the hospital ending in Kidney surgery, they now tell me I do not qualify. I should have bought hospitalization. You would not believe the excuses… What? Critical Care, disability and accident insurance didn’t cover it? DO NOT USE THIS COMPANY!

This is a insurance hoax. By far the worst corporate swine to come out Texas. They’ll take your money, your claims, and your patience and they’ll fuck you in your own ass with it, without the courtesy of using any lubrication. And when you finally call to chat about how you’re not happy about your insurance company (someone you’re supposed to trust) because they continue to fuck the life out of your own asshole, they’ll play stupid and give you the ring-​a-​round. They’ll lie and squeeze more money and more blood from your loose, rotting and lifeless asshole and fill you with more lies and more excuses. Chesapeake Life Insurance is CORPORATE RAPE. Don’t let them rape you and your family, because they’ll certainly try.