Karen-Irvin Dickson

Review of Oxford life insurance company

I have repeatedly sent letters trying to cancel my...

I have repeatedly sent letters trying to cancel my policy and explain why I can no longer afford Oxford Life Insurance Company's high premiums.

Due to circumstances beyond my control, my mother abandoned me in nursing homes because I could no longer walk because of an accident involving both of my knees. I was living with my father and mother, had a job, and had to pay only a small amount toward the electric cost. My father passed away six years ago, so it was just my mother and myself.

In 2013 I fell and dislocated my right kneecap, my left knee was already replaced, but the surgery was failed. I was admitted to a physical rehabilitation hospital, but needed long tern physical therapy. My family admitted me to four different nursing homes for the therapy. Nothing worked, my knee was inoperable.

I was in a nursing home for months when I found out that I would never walk again. As soon as my mother knew I would be in a wheelchair the remainder of my life, she abandoned me to live in the nursing home forever.

I was always prompt when paying my premiums to Oxford Life, but once my health insurance ran out after the first few months of living in the fourth nursing, I was no longer able to make my policy premium payments, because the nursing home took all of my income except for $30.00 each month.. I was in the nursing homes for a total of 14 months. By then my only income was the Social Security Disability, which is very little. After the first two months of not being able to pay the premiums, the policy should have lapsed and eventually canceled, AS ALL OTHER INSURANCE COMPANIES DO.

After the 14 months and physical therapy was no longer affective, I had to be discharged from the nursing home, as I no longer qualified as a nursing home patient. Because my mother deserted me, I had nowhere to go. The people at the nursing home found a handicap apartment for me and they helped me to move in.

Now I'm in my apartment, alone, with only a small disability income and having to pay rent, utilities, buy groceries, etc.

Oxford Life has started sending me bills for what they call is a "loan" against my life insurance policy for all the months since I was no longer able to pay the high premiums. I was also not able to pay any of my other bills while in the nursing home, i.e., car insurance, which lapsed and I had to get someone to turn in my license plate and that policy was canceled due to non-payment, etc.

Not only can I not pay back the "loan", which is thousands, there is no way I can afford the policy high premiums. I continue writing telling Oxford Life Insurance Company this, I also tell them to CANCEL MY POLICY, but to no avail. I just keep getting the bills. And I can not find anyone to help me with this problem...the bills just keep coming and the "loan" keeps getting larger.

Oxford Life Insurance Company does not care about their policy holders and will not work things out. I can't believe they won't even cancel my policy to stop all of this. I really would never want my beneficiary to have to deal with this company, they would probably never receive the insurance money due to them. I will never recommend Oxford Life Insurance Company to anyone. If you are reading this and considering Oxford Life, beware!