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TroubleShooters: Insurance company won't cover sick woman

READ MORE: Insurance company won't cover sick woman
PENDER COUNTY -- A Pender County woman is in New Hanover Regional recovering from a severe illness. When it was touch-and-go, her husband called their life insurance agent and that phone call only added to their troubles. We look into why they were told the brand new policy is no longer in effect. Cody Ball and his then-fiancée Donna called Prudential the first week of January to buy life insurance for Donna. Cody Ball said, "We picked out an insurance policy that would suit us and we wrote out a check for $159.75." The couple says a nurse drew blood and performed other tests to make sure Donna didn't have a pre-existing condition. The tests came back OK. "[They] called me up and told me verbally there's a policy written, and he wanted to make arrangements to come up and talk to us about the policy," Ball said. But then Donna became severely ill and was rushed to the hospital. She nearly died. Donna said, "This disease that I got, did come out of the blue, it's called sepsis, probably going to have to be some limbs removed and things." Cody called his agent and told him it wasn't a good time to drop off the policy. "He asked why and I told him my wife was sick. I told him why, he asked what she had. I told him she came down with sepsis, she's in ICU and when I told him that, it changed everything." Cody claims the next day his agent told him Prudential could not offer Donna life insurance. Cody wants to know why, since he paid Prudential the premium and he was verbally told the policy was written and ready. "I think Prudential life insurance should stand by their words and cover my wife," Cody said. "This was totally unexpected, totally out of the blue. We thought we were insured by a good insurance company, that's why we went with them." A Prudential spokeswoman told us the company was working directly with Donna and her husband to address concerns or questions they may have. The Balls say the agent told them the company is now reviewing the policy. A life insurance agent with another company explained the situation. He says Prudential should honor the policy. Since the couple paid the premium, the coverage should be binding.

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