King Price Life Claim Unfairly Declined – 3 Years With No Resolution (Ombudsman Delay)

I am raising serious concern regarding a life policy claim that was declined by King Price Insurance on the basis of an alleged “pre-existing condition.”

What is particularly troubling is that this condition was never identified, queried, or raised at the inception of the policy. The policy was underwritten, accepted, and premiums were collected without issue. Only at claims stage was this “pre-existing condition” suddenly re**** upon to decline the claim.

This raises a fundamental question: If the condition was material enough to decline a claim, why was it not identified and addressed during underwriting?

The matter has now been sitting with the Ombudsman for Short-Term Insurance for close to three years with no meaningful progress or resolution. This delay is unreasonable and deeply concerning, especially given the financial and emotional impact involved in a life claim.

At this point, it feels as though the process is being unnecessarily prolonged, leaving us without recourse while the insurer avoids accountability.

We are now seeking:

• A clear and final determination from the Ombudsman • A proper review of the underwriting process followed by King Price • Accountability for the prolonged delay in resolving this matter

This is not a complex case. It is a straightforward issue of whether an insurer can accept a policy, collect premiums, and only later rely on information they failed to properly assess at inception.

I would appreciate urgent intervention and transparency from both King Price Insurance and the Ombudsman on this matter.