Class Action Lawsuits Investigations against Insurance Companies

Ehab Hanna Farmers agent Correspondence and emails including phone calls, will prove that the agent Ehab Hannah of Farmer’s Life Insurance has been treating the son, Tamer Farah as the designee since June 8, 2014. Hannah never met or spoke with the insureds Nagy and Teresa Farah. Tamer was the only contact and there was no reason for the insured or Tamer to believe that he was not the designee for Nagy Farah. Furthermore, Hanna has failed to notify Tamer of the policy cancellation. Furthermore, Hanna has mailed a notice of reinstatement directly to Tamer’s correct home address that Farmers has failed to notify of the cancellation. Hanna seems to have a thriving practice and is overloaded with policies. In July, 2017, Tamer called, the agent Ehab Hanna to check on all policies including his parents policies and Hanna advised Tamer that the policy has been canceled due to insufficient funds. Tamer called Farmers life insurance on August 2, 2107 and was able to discuss the policy cancellation and he was advised to file out a reinstatement application with a payment of $1,174.17; Tamer complied as instructed. Again Tamer had no reason to believe that he wasn’t the designee for Nagy Farah. Farmer’s Life Insurance was always paid through an automatic ACH transfer from Tamer Farah (NOT Nagy Farah) bank account since 2014. This means that Farmer’s Life Insurance was receiving payment automatically through “ACH” the Automatic Clearing House system. In 2015, Farmers increased the premium from $218.00 to $242.00. Farmers automatically withdraw the increased premium of $242.00 from my Bank Account and Farmers didn’t require or request for me to sign an ACH authorization for the increased payment. A letter from Farmers dated, November 14, 2016 indicated Nagy Farah policy entered the grace period on November 11, 2016. However, November 15, 2016; Tamer bank statement indicates an, EFT draft of $242.00 from Farmer’s life insurance was transacted. Farmers processed and received a payment of $242.00 via ACH; without any consent or prior authorization from Tamer or the insured Nagy Farah• Farmers had the authority and ability to withdraw the increased premium amount as they have previously done. Farmers intentionally choose NOT to withdraw the funds to cause a policy cancellation.

2. FARMERS ACH Fraudulent and discriminative acts AND POLICY INCREASE ISSUES Farmers insurance has discriminated against Nagy Farah because of his ethnicity, age and sex that increased the risk of death. Farmers had discriminated against Nagy Farah. In support of the discrimination and without a doubt. In 2015 Farmers automatically withdraw the increase amount in premium via ACH from Tamer Farah personal bank account and without any written authorization. In January 2017 when a premium increased Farmers deliberately stopped withdrawing the ACH funds because of their discriminative intent to cancel the policy because of the insured’s ethnicity, age and sex. However, November 15, 2016; Tamer bank statement indicates an, EFT draft of $242.00 from Farmer’s life insurance was transacted. Farmers processed and received a payment of $242.00 via ACH; without any consent or prior authorization from Tamer or the insured Nagy Farah• Farmers had the authority and ability to withdraw the increased premium amount as they have previously done. Adnan; I BELIVE YOU STATED THAT IS A FEDERAL LAW PROHIBITING DISCRIMINATION. Agent Ehab Hanna told Tamer that the policy was canceled because of insufficient funds; Which was not true, Tamer has an average balance of $3,000. Hanna knows how Farmers operates; And Farmers insurance normal practices to automatically “ACH” withdraw an increased premium amount without the insured’s consent. Important legal points to consider Farmer’s Life Insurance did not at any time mention a statute of limitation and he continued to send three renewal notices between 2018 and 2019. Therefore I don’t believe the two-year statute of limitation would apply in this case. Farmer’s Insurance mailed out several renewal letters with applications to renew the life insurance policy; July, 2017, December 2018, and February, 2019. Maybe you can explore Farmers incompetence and system failure. A translated letter from the insured Nagy Farah requested a copy of the insurance policy in the Arabic Language since Nagy didn’t understand English and the insurance policy. The letter was translated and mailed by Michael Youssef and Farmers has replied; without addressing the policy translation. Common Law After a thorough review and investigation into this case the following; I have concluded that the following statements of facts are true and correct. Farmers insurance has the ability to object and address to the following statement of facts. 1. Tamer Farah is the designee for Nagy Farah life insurance policy since June 8, 2014; Since Farmers Agent Ehab Hanna never met the insured and has always shared confidential insurance policy with Tamer Farah via phone calls, emails and U.S. Mail. 2. Farmers insurance had the authority and ability to ACH withdraw the policy premium of $242.00 and has intentionally declined to withdraw the funds causing the insurance policy to be cancelled. 3. Farmers had failed to notify Tamer Farah of the life insurance policy cancellation. 4. Farmers insurance payment processing system including ACH payment instructions integrity is questionable, and in need of an overhaul since Farmers have mailed out 3 letters of policy reinstatement and recanted; Claiming that it was a system error. 5. The policy cancellation is due to Farmers repeated errors, systems failures, lack of ACH withdraw instructions, ACH payment rule changes in the best interest of Farmers Insurance and not the insured. 6. Farmers insurance legitimately owes the policy premium of $75,000 with interest and attorney fees and costs. Farmers Insurance and Agent Ehab Hanna have 30 days from receipt of this letter to address or object to the following statements of facts 1 through 6. Otherwise a lack of response will be considered as an admission to the statement of facts 1 through 6. Therefore, the statements of facts will be admissible in a court of law as evidence of admissions by Farmers insurance and Ehab Hanna.