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The widow acquires the insurance MetLife after she has rejected the deceased husband's claim.

When Amanda Dunn thought her familiy was safe, the worse would happen. Your man, Roger, had a natural cardiac disease and after the operation as an infant he led a full and busy afterlife. Just like hundred thousand Australians, they took out a live insurance after having their two girls.

"This was the reasons why we took out the insurance - to cover the home and our futures and the futures of the girl in case something happened," Ms Dunn said to ABC. Through the ALI Group, they bought common MetLife contracts when they were refinancing the mortgages on their homes.

Dunn's cardiac disease was announced by the pair, and for almost a decade the pair had been paying their premium in the belief that they were fully insured. In 2013, however, Mr Dunn diagnosed lung pressure, his medical conditions worsened quickly and he was unable to work. In view of the considerable pecuniary difficulties, the mother and father filed an application for full long-term invalidity (TPD).

In 2015, they were bewildered when they got a note from MetLife in which they stated that Mr Dunn was not qualified for a disbursement. "He was refused on the ground that he was not ill enough to make a claim, so we went back and forth to the physician who had completed all the health records and he was still not ill enough to make a TPD claim," Ms Dunn said.

"and he didn't have a great standard of living. "MetLife then dismissed another application because Mr Dunn's illness already existed, even though a cardio specialist had explicitly pointed out that lung pressure was a "separate problem" unrelated to his inherited cardiac ailment.

Since Mr. Dunn could not work, Ms. Dunn had to keep working as a schoolteacher to earn a living instead of staying at home and taking after him. "because I think our families were under enough strain. There was more work and less free family time with the girls," said Dunn.

"Our family] also took on this parenting function by taking care of [Roger] while I was still working and trying to keep everything going. "MetLife again denied his request for TPD a few working days before Mr. Dunn died. And I think the call on Monday that said the TPD had been refused, I think it was," Ms Dunn said.

" Dunn was hospitalized and killed from a range of medically related conditions that led to kidney failure as well as heart attack. The Dunn dynasty then took another blow: The MetLife refused a seperate application for insurance. As part of its policies, the biotech firm said it has been identified as a pre-existing disease and therefore could not be asserted for having developed P.H..

Mrs. Dunn has sworn to fight for the payment of her husband's insurance policy. "She said, "I know it would have been important for Roger because I have a health insurance policy and I would have expected it to be given to my girl if something happened to me. MetLife said in a declaration to the ABC that it could not specifically refer to the Dunns case.

Nevertheless, the firm said that clients had to check whether the policies' clauses were suitable for their needs. "An already existent term disclaimer refers to a situation in which the client was suffering before the insurance commenced. Clients would be entitled to other insurance policies that do not already exist," the firm said.

"Every complaint is examined on its merits, and the refusal of a complaint is examined very thoroughly on the basis of the available proof. "Sadly, I think Amanda's position really embodies what went awry with regard to insurance claims," Ms Shelton said to ABC. "You and Roger have taken out this insurance and planned that in the worse case scenario they would be insured - I mean that's what insurance is for.

"You revealed the term that did exist. Sadly, Roger was in a strange state - a new state - but Amanda, the unfortunate Amanda, was abandoned without the kind of assistance she was rightly expecting. "Shelton said the Dunns shouldn't be for sale, a policy that didn't fit her needs.

"Hopefully, the Queen would investigate all these facts, in particular with regard to current illnesses and the refusal to take action on them," said Mrs Shelton. "As we know, it is difficult to judge a lung and a heart state - there were a number of things available to the insurance provider.

"You could have received Roger's authorization and information about his conditions from his family doctor and specialist," Shelton said. Mrs Dunn's choice to tell her tale comes as the insurance sector is to be barbecued into Misconduct in the Banking, Superannuation and Financial Services Industrie as part of the next round of the Royal Commission.

For a long time, consumers' associations have been demanding changes in endowment insurance. "Recent release declarations can be up to 100 pages long, have many cross-references and contain items to which they cannot even make a claim. However, they can be up to 100 pages long.