American general life insurance. Thrivent formerly Aid Association for Lutherans, My first claim experience, Part 1, Incompetence?, Delay Deny tactics?, Long on attorneys and short on core Christian values Each Story Told

Thrivent formerly Aid Association for Lutherans, My first claim experience, Part 1, Incompetence?, Delay & Deny tactics?, Long on attorneys and short on core Christian values Aal life insurance.

“Unless I am convinced by Scripture and plain reason – I do not accept the authority of the popes and councils, for they have contradicted each other – my conscience is captive to the Word of God. I cannot and I will not recant anything for to go against conscience is neither right nor safe. God help me. Amen.”…Martin Luther

I was baptized as an infant in the Lutheran Church.

I was an acolyte for years and sometimes for both Sunday services.

I attended catechism class and studied Luther’s Small Catechism.

I sang in a choir for many years.

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I was introduced to a AAL, Aid Association for Lutherans, representative in the early eighties.

Along with a life insurance policy and health insurance policy, I took out a disability insurance policy with AAL in 1985. I eventually paid on the disability policy for 25 years.

AAL canceled health insurance for the entire state of NC years ago.

I took out the life and disability policies believing I would never use them but to protect my family in case the unexpected happened.

In early 2001 my right knee gave out running. I had trouble getting back to my car.

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I tried the usual time tested methods but nothing worked.

Soon after I visited an Orthopedic Surgeon and was diagnosed. The knee was in very bad shape and would require replacement. Surgery would take place in December.

I was much younger at the time and the surgery was a known factor. I did not anticipate major problems or much time away from my computer consulting business. That would prove to be a wrong assessment.

I did not even think about filing a claim with AAL. After the local agent kept insisting that I do so, I did.

Disability Insurance 101. The beginning of my education.

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