Cumis Insurance Life Insurance Reviews

READ THE FINE PRINT

Have your family read it over and contact the company via email so you have a paper trail later on.
Family member was diagnosed with Dementia and Cumis contacted him DURING these many years of his struggles. They talked him into "upgrading' his policy for money. At no time, did anyone ask him any health questions...Go somewhere else, read their 'exclusions' IMPORTANT.. Mental Illness can void your policy and you won't even know it.

NEVER

But they were quick to take his money.

Dad eventually left us, and CUMIS did not pay out.

I signed up for Cumis Life and Loss of Employment Insurance last year. At the time I had been with my employer for over 9 years with very few complaints. I noticed a shift in management behaviours and opted to insure myself and my family (to help cover mortgage payments) in the event of loss of employment. Sure enough, things went downhill quickly at work, and despite my best efforts to appease my employer, I found myself out of a job. I received a certificate number and summary with a benefit effective date of insurance from Cumis (as well as the premiums benefit amounts etc.) It seemed pretty cut and dry to me; I lost my job after the policy was in place but I was denied as my coverage had not been in place for 60 days prior to losing my job and they refused to pay. Honestly, with 4 kids and a wife counting on me, the last few months have been about as stressful as it gets, and it was clearly a mistake to rely on Cumis for any sort of peace of mind. I would strongly urge anyone considering insuring themselves with Cumis to look elsewhere.

Paid life, mortgage, accident insurance. Had an accident and was off work for 3 months and got denied for the claim because I didn't put I have acid reflux on the medical forms

The whole point of insurance is to protect yourself if something happens unexpectedly. This company did everything they could to avoid a payout on a family member. I am beyond disgusted at the steps they took through court. In the end, the consumer can't win because the legal fees could have been as much as the payout. I hate Cumis for causing so much stress and frustration. Do not trust anything this company has to say.