{"id":4334,"date":"2010-08-02T12:22:33","date_gmt":"2010-08-02T12:22:33","guid":{"rendered":""},"modified":"2015-03-12T12:50:31","modified_gmt":"2015-03-12T15:50:31","slug":"el-extraordinario-caso-del-rescate-de-la-poliza-de-seguro-de-vida","status":"publish","type":"news","link":"https:\/\/amchamchile.cl\/en\/noticia\/el-extraordinario-caso-del-rescate-de-la-poliza-de-seguro-de-vida\/","title":{"rendered":"<!--:es-->El Extraordinario Caso del Rescate de la P\u00f3liza de Seguro de Vida<!--:--><!--:en-->The Extraordinary Case of the Surrendered Life Insurance Policy<!--:-->"},"content":{"rendered":"<p><!--:es--><P style=\"TEXT-ALIGN: justify\"><EM>Esta es una historia real; los nombres no se han modificado para proteger a los inocentes&#8230;<\/EM><\/P><br \/>\n<P style=\"TEXT-ALIGN: justify\">Puede que usted no sepa esto, pero entre 1983 y 1993 la se\u00f1ora Eneldo y yo vivimos en el gran estado tabacalero y de crianza de caballos de Kentucky, estoy seguro de que ha o\u00eddo de \u00e9l. En 1985, contrat\u00e9 dos p\u00f3lizas de seguro de vida: una para m\u00ed y la otra para la Sra. E.<\/P><br \/>\n<P style=\"TEXT-ALIGN: justify\">Despu\u00e9s me olvid\u00e9 de ellas hasta que recientemente fui informado por la empresa que compr\u00f3 a la empresa que compr\u00f3 la empresa con la que firm\u00e9 el contrato que mi p\u00f3liza hab\u00eda \u201cexpirado\u201d. Esto me sorprendi\u00f3 porque 1) A\u00fan estoy vivo y 2) Hab\u00eda pagado de manera autom\u00e1tica las primas mensuales por casi \u00a125 a\u00f1os! Preguntando, descubr\u00ed que si hubiera le\u00eddo la letra (muy) chica, mi p\u00f3liza ten\u00eda un \u201cplazo\u201d ya fuera que sobreviviera o no. En otras palabras \u00a1hab\u00eda sobrevivido a la p\u00f3liza! Sin embargo, de haber sido sucumbido a una enfermedad fatal o haber sido atropellado por un bus del Transantiago antes de la \u201cexpiraci\u00f3n de la p\u00f3liza\u201d, la Sra. E habr\u00eda recibido US$100.000. Qu\u00e9 pena por ella es todo lo que puedo decir<\/P><br \/>\n<P style=\"TEXT-ALIGN: justify\">Pero luego mi mente se volc\u00f3 a la p\u00f3liza de la Sra. E y tem\u00ed que esta pudiera seguir el camino de la m\u00eda. Despu\u00e9s de hacer muchas b\u00fasquedas en Google finalmente localic\u00e9 un call center relacionado con la compa\u00f1\u00eda que compr\u00f3 la compa\u00f1\u00eda que&#8230; usted sabe a qu\u00e9 me refiero. \u00bfD\u00f3nde est\u00e1 este call center? No tengo ni la menor idea. Us\u00e9 el n\u00famero 800 que, por supuesto, no es gratuito al marcar desde Santiago y revis\u00e9 las opciones. Despu\u00e9s de ocho minutos oyendo m\u00fasica de ascensor y que me dijeran que la llamada \u201cpodr\u00eda ser monitoreada para mejorar la calidad del servicio al cliente\u201d, finalmente habl\u00e9 con \u201cKeri\u201d y descubr\u00ed que la p\u00f3liza de la Sra. E estaba \u201cvigente\u201d. Esto era el 11 de mayo.<\/P><br \/>\n<P style=\"TEXT-ALIGN: justify\">Dado que la Sra. E tiene una buena salud y buen \u00e1nimo, decid\u00ed \u201crescatar\u201d su p\u00f3liza, lo que significa que yo, como due\u00f1o de la p\u00f3liza, deber\u00eda recibir un cheque por el valor de rescate. Lo que, seg\u00fan descubr\u00ed, resulta m\u00e1s f\u00e1cil decir que hacer. Llam\u00e9 de vuelta (de nuevo tuve que esperar mucho) y habl\u00e9 con \u201cTerri\u201d. Descubr\u00ed que vivir fuera de Estados Unidos y no ser un ciudadano de esa naci\u00f3n convert\u00eda al rescate en un problema. Sin embargo, Terri dijo que me enviar\u00eda por fax los formularios necesarios debido a que ellos no usan correo electr\u00f3nico. Rellen\u00e9 los formularios y los env\u00ede de vuelta por fax. Luego los llam\u00e9 una vez m\u00e1s y de pura suerte pude hablar con Keri de nuevo; tan agradable, tal como viejos amigos, y \u201cs\u00ed\u201d el fax hab\u00eda llegado y \u201cs\u00ed\u201d todo estaba en orden. Los fondos se enviar\u00edan.<\/P><br \/>\n<P style=\"TEXT-ALIGN: justify\">Avis\u00e9 a mi banco, en Kentucky, que esperara los fondos y esper\u00e9. No pas\u00f3 nada. Llam\u00e9 y habl\u00e9 con \u201cKathy\u201d.Gentilmente revis\u00f3 mi archivo y me pregunt\u00f3 cu\u00e1ndo hab\u00eda fallecido la Sra. E&#8230; NO, la Sra. E est\u00e1 vivita y coleando; estoy tratando de rescatar la p\u00f3liza. \u00a1Ah! Despu\u00e9s de investigar un poco me dijo que mi firma no pod\u00eda ser validada. \u00a1Ay! \u00bfQu\u00e9 hay que hacer? Necesitamos su firma autentificada por un notario p\u00fablico&#8230; claro. Ya estamos a mediados de junio. Me imagin\u00e9 que un documento en castellano no ser\u00eda suficiente as\u00ed que llam\u00e9 al Consulado de Estados Unidos. \u00a1S\u00ed! Podemos hacer eso por usted; a s\u00f3lo US$30. Termin\u00e9 con un documento muy perspicaz que envi\u00e9 como es debido por fax a mi amigable call center y luego llam\u00e9, de nuevo. Esta vez, habl\u00e9 con \u201cCindy\u201d y, s\u00ed, todo estaba en orden y los fondos se liberar\u00edan lo antes posible. Llam\u00e9 a mi banco y le dije a \u201cSherri\u201d que el dinero estaba en el correo; y que \u00a1\u00a1incluso podr\u00edan faxearlo!! Pero\u2026 no pas\u00f3 nada.<\/P><br \/>\n<P style=\"TEXT-ALIGN: justify\">Llam\u00e9 una vez m\u00e1s (ahora estamos a comienzos de julio) e insist\u00ed en hablar con Cindy. \u00bfQu\u00e9 si sab\u00eda su apellido? \u00a1No! De modo que habl\u00e9 con \u201cPaula\u201d. Ella revis\u00f3 mi archivo y le cont\u00e9 mi \u201ccaso\u201d y le dije qu\u00e9 documentos hab\u00eda enviado. Ah, s\u00ed, todos est\u00e1n aqu\u00ed. D\u00e9jeme ver que los est\u00e1 demorando&#8230; Ah, es necesario que rellene un formulario de impuestos. \u00a1\u00bfQu\u00e9?! \u00bfCu\u00e1ntas etapas hay en este proceso? Me enviaron el formulario por fax (recuerde: no usan correo electr\u00f3nico) que era bastante breve, pero ven\u00eda con \u00a1SIETE p\u00e1ginas de instrucciones! \u00a1AYUDA! Llam\u00e9 a un amigo en PWC, quien me aconsej\u00f3 que s\u00f3lo completara la informaci\u00f3n personal y lo enviara, lo que hice. Llam\u00e9 de nuevo y ped\u00ed hablar con Paula&#8230; larga espera&#8230; Paula est\u00e1 ocupada, \u00bfpuedo ayudarlo? \u00bfCu\u00e1l es su nombre? \u201cGloria\u201d. Entonces le expliqu\u00e9, de nuevo. Tras una larga espera, Gloria dijo que le \u201cpreguntar\u00eda\u201d a Paula.<\/P><br \/>\n<P style=\"TEXT-ALIGN: justify\">Todo est\u00e1 bien y los fondos se transferir\u00e1n a comienzos de la pr\u00f3xima semana (27 de julio). \u00a1Sorpresa! Nada ha pasado, a\u00fan. Quiz\u00e1s deber\u00eda haber matado a la Sra. E, s\u00f3lo piden un certificado v\u00e1lido de fallecimiento para esto&#8230; pero es que \u00a1realmente le tengo mucho cari\u00f1o!<\/P><br \/>\n<P style=\"TEXT-ALIGN: justify\">Por otra parte, siempre hab\u00eda intentado traer el dinero a Chile, pero desde mi primera solicitud de rescate el d\u00f3lar ha ca\u00eddo desde 549 a 519 pesos y sigue bajando.<\/P><br \/>\n<P style=\"TEXT-ALIGN: justify\">Sigo desconcertado y verdaderamente sobre call-centrado,<\/P><br \/>\n<P style=\"TEXT-ALIGN: justify\"><STRONG>Santiago Eneldo<\/STRONG><BR><EM><STRONG>(Sugerencias inteligentes, bien informadas y si no discutibles son bienvenidas en: <\/STRONG><\/EM><A href=\"mailto:santiagoeneldo@yahoo.com\"><EM><STRONG>santiagoeneldo@yahoo.com<\/STRONG><\/EM><\/A><EM><STRONG>)<\/STRONG><\/EM><\/P><!--:--><!--:en--><P style=\"TEXT-ALIGN: justify\"><EM>This is a true story; names have not been changed to protect the innocent&#8230;<\/EM><\/P><br \/>\n<P style=\"TEXT-ALIGN: justify\">You may not know this but between 1983 and 1993 Mrs Eneldo and I lived in the great tobacco and horse breeding state of Kentucky, I\u2019m sure you\u2019ve heard of it. In 1985, I took out two life insurance policies: one on my life and one on Mrs E\u2019s.<\/P><br \/>\n<P style=\"TEXT-ALIGN: justify\">I then forgot about these until recently when I was informed by the company that purchased the company that purchased the company that I signed on with that my policy had \u201cexpired.\u201d This surprised me because 1) I am still alive and 2) I had automatically paid the monthly premiums for almost 25 years! On enquiring, I discovered that if I was to read the (very) small print my policy had a \u201cterm\u201d date whether I survived or not. In other words I had outlived the policy! However, had I succumbed to a fatal disease or been run down by a Transantiago bus prior to \u201cpolicy expiration,\u201d Mrs E would have collected US$100,000. Too bad for her is all I can say.<\/P><br \/>\n<P style=\"TEXT-ALIGN: justify\">But my mind then turned to Mrs E\u2019s policy and I feared this might go the way of mine. After much Googling I finally located a call centre related to the company that purchased the company that&#8230; you know what I mean. Where is this call centre? I have no earthly idea. I used the 800 number which, of course, is not toll-free when dialling from Santiago and ran through the options. After eight minutes listening to elevator music and being told the call \u201ccould be monitored to improve the quality of customer service,\u201d I finally spoke to \u201cKeri\u201d and discovered that Mrs E\u2019s policy was \u201ccurrent.\u201d This was May 11th.<\/P><br \/>\n<P style=\"TEXT-ALIGN: justify\">As Mrs E is in fine health and good spirits, I decided to \u201csurrender\u201d her policy, which means I, as the policy\u2019s owner, should receive a check for the surrender value. This, as I discovered, is easier said than done. I called back (long wait again) and spoke to \u201cTerri.\u201d I discovered that living outside the U.S. and not being an American citizen made surrender a problem. But Terri said they would fax me the necessary forms since they do not use e-mail. I completed the forms and faxed them back. I then called once more and by sheer luck got to speak to Keri again; so nice, just like old friends, and \u201cyes\u201d the fax had arrived and \u201cyes\u201d everything was in order. The funds will be sent.<\/P><br \/>\n<P style=\"TEXT-ALIGN: justify\">I warned my bank, in Kentucky, to expect the funds and waited. Nothing happened. I called and talked to \u201cKathy.\u201d She kindly checked my file and asked me when Mrs E had died&#8230; NO, Mrs E is alive and well; I am trying to surrender the policy. Oh! After some research she told me that my signature could not be validated. Oh dear! What to do? We need your signature authenticated by a Notary Public&#8230; right. We are now in mid-June. I fancied that a Spanish language document would not suffice so I called the U.S. Consular section. Yes! We can do this for you; just US$30. I left with a very smart document which I duly faxed to my friendly call centre and then called \u2013 again. This time I talked to \u201cCindy\u201d and, yes, all was in order and the funds would be released just as soon as possible. I called my bank and told \u201cSherri\u201d that the money is in the mail; and they may even fax it!! But\u2026 nothing happened.<\/P><br \/>\n<P style=\"TEXT-ALIGN: justify\">I called once again (we are now in early July) and insisted on speaking to Cindy. Did I know her last name? No! So I spoke to \u201cPaula.\u201d She checked my file and I talked her through my \u201ccase\u201d and told her what documents I had sent. Oh, yes they are all here. Let me see what the hold up is&#8230; Ah, you need to complete a tax form. What?! How many stages are there to this process? They faxed me the form (remember, no e-mail) which was quite brief but came with SEVEN pages of instructions! HELP! I called a friend at PWC who advised me just to complete the personal information and send it off, which I did. I called again and asked to speak to Paula&#8230; long wait&#8230; Paula is busy, can I help you? What is your name? \u201cGloria.\u201d So I explained, again. After a long wait, Gloria said she would \u201cconsult\u201d with Paula.<\/P><br \/>\n<P style=\"TEXT-ALIGN: justify\">All is well and the funds will be transferred early next week (July 27th). Surprise! Nothing has happened, yet. Perhaps I should have done away with Mrs E, they only require a valid death certificate for this&#8230; but then I am quite really fond of her!<\/P><br \/>\n<P style=\"TEXT-ALIGN: justify\">As an aside, I had always intended to bring the money to Chile but since my first surrender request the dollar has dropped from 549 to 519 pesos and is headed further south.<\/P><br \/>\n<P style=\"TEXT-ALIGN: justify\">I remain befuddled and truly over call-centred,<\/P><br \/>\n<P><STRONG>Santiago Eneldo<BR><EM>(Intelligent, well-informed and otherwise dubious suggestions welcome at: <\/EM><\/STRONG><A href=\"mailto:santiagoeneldo@yahoo.com\"><STRONG><EM>santiagoeneldo@yahoo.com<\/EM><\/STRONG><\/A><STRONG><EM>)<\/EM><\/STRONG><\/P><!--:--><\/p>\n","protected":false},"excerpt":{"rendered":"<p><!--:es--><P style=\"TEXT-ALIGN: justify\"><EM>Esta es una historia real; los nombres no se han modificado para proteger a los inocentes&#8230;<\/EM><\/P><br \/>\n<P style=\"TEXT-ALIGN: justify\">Puede que usted no sepa esto, pero entre 1983 y 1993 la se\u00f1ora Eneldo y yo vivimos en el gran estado tabacalero y de crianza de caballos de Kentucky, estoy seguro de que ha o\u00eddo de \u00e9l. En 1985, contrat\u00e9 dos p\u00f3lizas de seguro de vida: una para m\u00ed y la otra para la Sra.<!--:--><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"template":"","news_tax":[],"user_type":[],"class_list":["post-4334","news","type-news","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>El Extraordinario Caso del Rescate de la P\u00f3liza de Seguro de VidaThe Extraordinary Case of the Surrendered Life Insurance Policy - AmCham Chile<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/amchamchile.cl\/noticia\/el-extraordinario-caso-del-rescate-de-la-poliza-de-seguro-de-vida\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"El Extraordinario Caso del Rescate de la P\u00f3liza de Seguro de VidaThe Extraordinary Case of the Surrendered Life Insurance Policy - AmCham Chile\" \/>\n<meta property=\"og:description\" content=\"Esta es una historia real; los nombres no se han modificado para proteger a los inocentes... Puede que usted no sepa esto, pero entre 1983 y 1993 la se\u00f1ora Eneldo y yo vivimos en el gran estado tabacalero y de crianza de caballos de Kentucky, estoy seguro de que ha o\u00eddo de \u00e9l. 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