The Anatomy of a Final Position Letter: What to Expect From Your Life or Health Insurance Provider

A final position letter is a written decision from a life or health insurance company that outlines its final position about a consumer claim.

Here’s what you can expect to see in a final position letter ↓

All insurance companies have an internal complaints process, which you must follow to obtain a Final Position Letter from your insurer before you bring your complaint to us at the OmbudService for Life and Health Insurance (OLHI).

Once you have received a Final Position Letter, you can submit your complaint to us.

Got your Final Position Letter? Here’s the next step:

Once you have received a Final Position Letter from your life or health insurance provider, you can submit a complaint to our ombudservice.

If your complaint is reviewable and has merit, we can provide another impartial review of your insurer’s final position on a health or life insurance claim.

Take a few minutes to learn more about our complaints process so you know what to expect: