COPYRIGHT 1996 - 2008


A long time ago and a short time ago. In a place both near and far away I applied for Saving Bank Life Insurance. The following letter explains.
David Morris, Ph.D.
West Haven, CT 06516

September 5, 2007

200 Day Hill Road
Windsor, CT 06095

Dear John Heffernan:

I applied for a SBLI 15 year life insurance policy at Peoples Bank in West Haven, CT. A person came to give me an exam to the house representing your firm. You have then sent me three letters requesting that Dr. xxx send my medical records to your firm. The last letter was dated August 16, 2007.

Are you suggesting that my Doctor is supposed to copy all my files and then send them to your firm? I find this difficult to believe that a Doctor would have to take the time to do this for a life insurance company.

I would also expect that there must be a far simpler way for you to make a reasoned decision. I do not know the specific law on the release of medical records to life insurance companies for patients in Connecticut. Perhaps you could give me the reference?
I would hope that this type of request is not a strategy to not insure people over a certain age by giving their Doctor’s an unreasonable request for information. Please help me do this for your firm.

All the best,
Copy to President

Marketing Application IMBALANCED

Do not always equate your rejections with anything to do with you. Many companies are forced to implement programs through legislation that they do not wish to peruse. They add the program and then create barriers so very few can participate. Every one is happy the legislature has passed a bill to assist a particular group of people and the company does not follow it. There work is done. I sent this letter in e-mail form to the president of the company.