Annuity Investors Life Insurance Company

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below I received a phone call from Amber representing Great American mid-November In the phone call, she did verify that they sent the Long Term Care Facility Form to the wrong facility Their Compliance Mgr stated in their response that the facility was "left blank" & the Doctor's info was "illegible" but the Dr wrote in the correct facility TWICE on the forms - Once beside his signature on the front page, and once on the Physician's Statement under "Facility or Hospital patient is confined." At no point during their review and questions pertaining to the Long Term Care Waiver request, DID THEY EVER SIMPLY PICK UP THE PHONE AND CALL ME Their only way of communication seems to be mailing forms 10-days after the fact I have left messages (per week) for Amber at her extension since our first conversation, as of yet - no response.I believe this is more "foot dragging" on the company's behalf Regards, [redacted]

This correspondence is in response to your recent notification regarding the above referenced Great American Life Insurance Company® (“Great American Life”) caseWe always appreciate the opportunity to hear from a customer who believes we did not meet their expectations.Great American Life is responding to the issue about the status of the consumer’s current surrender charge waiver requestUnder the terms of the contract his father purchased, the Long Term Care Waiver requires certain conditions to be met to qualify for a waiver of surrender chargesGreat American Life received his latest Long Term Care Waiver request in OctoberUnfortunately, we did not have all the information necessary to proceed with our reviewThe Long Term Care facility name and address information was blankAlso, some information on the Physician’s statement page was illegibleDuring a recent call to our office, Mr [redacted] provided us with new facility informationWe contacted them and are waiting for their reply to proceed further in our reviewAlthough the consumer previously talked by phone to our staff, I asked someone to contact him directly by phone concerning the status of this request.Please note that the consumer also made comments about the company name used in your systemThat is a decision made by the Cincinnati Revdex.com not our company.I hope that this information is helpful to youWe will contact him directly about his concerns about the sale of the annuity to his fatherIf you have any questions about this response, please contact us at 1- [redacted]

Please see our attached response.PO BOX Cincinnati, OH 45201-5420Shipping Address:GREA Great American Insurance Group TowerE Fourth StreetCincinnati, OH 45202GAIG.comJanuary 19, 2016Sent via Revdex.com Online System [redacted] ***, Marketplace Resource Consultant Revdex.comWest 7th Street, Suite Cincinnati, OH 45202RE: Your File Number: [redacted] Owner: UnknownComplainant: [redacted] Company Name: Great American Life Insurance Company NAIC Number: ***Dear [redacted] ***:This correspondence is a response to your email dated January 15, 2016, regarding the above Great American Life Insurance Company (“GALIC”) agentI appreciate the opportunity to respond to yourconcerns.GALIC thanks [redacted] , for making us aware of her concerns regarding agent, Brian K [redacted] Our company has certain checks in place to guard against unsuitable salesWe provide disclosures to our clients, perform a suitability review upon receipt of a new application, and every annuity purchaser is provided with a 30-day free look period in which to review their contract and cancel it with no consequences if the annuity does not meet their needs or is inconsistent with their expectations.We will contact MrK [redacted] to discuss [redacted] ’s allegationsWe will clarify our expectations and provide additional training as necessary to address any misunderstandings.If you have any questions, please contact me at 1-800-854-My direct extension is ***, You may also reach me via fax at (513) 361-5967.Sincerely,Nicole W [redacted] Senior Compliance AnalystOur subsidiaries include:Great American Life insurance Company Annuity Investors Life Insurance Company

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below A withdrawal is in process now that we hope is completed before the end of A subsequent withdrawal will be requested at the beginning of We are waiting on the company's action(s) before we close the complaint Regards, [redacted]

Dear [redacted] ***: This correspondence is a response to your letter dated February 14, regarding the above referenced Annuity Investors Life Insurance Company® (“AILIC”) annuity contract I appreciate the opportunity to respond to your concerns On May 3, 2017, AILIC received a name change and beneficiary change request from [redacted] ***In order to process the name change request, we sent a letter to her on May 15, requesting a copy of her marriage certificate, divorce decree or a court order to verify the name change We did not receive the requested information prior to [redacted] ***’s death and therefore did not process either request Based on a re-review of the change form, we agree that [redacted] is the rightful beneficiary of this contract In order to process payment to [redacted] ***, we will need a Claim Statement completed by him AILIC has reached out to [redacted] about this requirement and we are sending the form for him to complete and return I hope this information is helpful If you have any questions, please contact me at 1-800-854- You may also contact me via fax at (513) 412- Sincerely, Compliance Specialist Tell us why here

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below The response is not accurate, we are an impacted party as the product was to benefit my parents heirs, which is me I did not name my parents to remain anonymous as Brian is a elder abusing predator This is a callous, corporate and unacceptable response The only reason the product wasn't sold was because I intervened You know agents like Brian are ruining seniors lives by offering this product and you look the other way The number of complaints on [redacted] and Revdex.com against GA and these products should be a call to action, but if you prefer I will contact the [redacted] instead Regards, [redacted]

Please see attached response.PO Box Cincinnati, OH 45201-5420Shipping Address;RE Great American Insistance Group TowerE Fourth Street Cincinnati, OH 45202GAIG.comSeptember 8, 2015Sent via OH Revdex.com Online System [redacted] Marketplace Resource Consultant Ohio Revdex.com E 4th Street, Suite 600Cincinnati, OH 45202RE: ID # [redacted] Owner: [redacted] ***Dear [redacted] ***:This correspondence is a response to your email dated August 29, 2015, and received the next business day on August 31, 2015, regarding the above Annuity Investors Life Insurance Company” (“AILIC”) annuityI appreciate the opportunity to respond to your concerns.Our review of this matter shows that we received a Marital Settlement Agreement from [redacted] on January 21, According to that Agreement, this annuity contract was awarded 100% to [redacted] as her sole propertyAlso within that Agreement, it stated that she personally was to pay [redacted] $28,It did not state that those funds were required to come from our contractAIDIC is not and was not a party to [redacted] ***’s divorce,As funds were not directly ordered in the Agreement to come from AILIC and there was no Qualified Domestic Relations Order (***), we are not responsible for how much [redacted] chose to withdrawal from our contract in order to pay her ex-spouseIt is also not our responsibility to advise [redacted] regarding the handling of her divorce and whether or not she needed to get a ***Any questions she had would have needed to be addressed with a qualified attorneyWe are not permitted to give legal advice.In addition to the Agreement, [redacted] also sent in a partial withdrawal request where she requested that we send a check to [redacted] for the gross amount of $28,(before all charges & taxes)We processed her partial withdrawal as requestedSurrender charges applied to this withdrawal and we withheld them from the gross amount of $28,000, AILIC mailed a check in the amount of $25,565.75, directly to [redacted] and sent a letter to [redacted] showing the amount we had paid to [redacted] ***In order for a check in the amount of $28,to have been sent to [redacted] ***, [redacted] would have had to have requested a net withdrawal of $28,000, which she did not do.AILIC sent a 1099-R to [redacted] ***, because [redacted] is not an Alternate Payee under a ***In order for [redacted] to have the 1099-R sent to him, he would have had to have been named as an Alternate Payee for an amount awarded directly from our contractThat is not the case hereOurcontract was awarded 100% to [redacted] ***Therefore, the withdrawal she requested was taxable to her, regardless of who she requested the check to be sent too[redacted] first sent us a complaint letter in June 4, Along with her letter, she requested a full surrender payable to herselfWe informed her that we were holding her full surrender request while we reviewed her complaint as she had stated that she continued to owe [redacted] additional funds [redacted] demanded that we process her full surrender request immediately and not hold it and so we complied and processed the surrender.AILIC has responded to [redacted] on multiple occasions regarding this subject [redacted] ***’s request for us to pay anything further to [redacted] is deniedAny additional funds that she continues to owe to [redacted] remain her personal responsibility and not AILIC’s responsibilityAll funds have been distributed to [redacted] and her annuity was terminated,I hope this information is helpfulIf you have any questions, please contact me at [redacted] My direct extension is ***You may also reach me via fax at [redacted] .Sincerely,Nicole W [redacted] Senior Compliance AnalystOur subsidiaries include:Great American Life Insurance Company Annuity Investors Life Insurance Company”

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
*** ***

This correspondence is a follow up to our recent request regarding the above referenced Great American Life Insurance Company(R) ("Great American Life”)I appreciate the opportunity to respond to you once again.Our company reviewed Mr***'s latest communicationWe respectfully deny his allegation of any intentional delaysPlease be aware that since your notification our office had been in contact with him by phone several timesWe apologize if he did not receive prompt responses to his messagesA staff member was unexpectedly out of the office.Earlier this month, Great American Life informed Mr*** that we approved the Long Term Care Waiver requestThere has been some indication that he wanted to change the type of requested withdrawalOur office sent him some new paperwork and provided him with a person to contact when he is ready to proceedWhile our procedure for this type of case is to notify a client in writing by letter or email, we contacted him by phone since the notification of this preferenceWeapologize that our handling of this matter did not meet Mr***'s expectations.I hope that this information is additional helpful to youIf you have any questions, please contact us at *** ** *** *** ** *** *** *** *** *** ** *** *** ** *** ***

Please see our attached response.PO Box 5420 Cincinnati, CH 4520-5420Shipping Address:GREATAMERICAN Great American Insurance Group Tower301 E Fourth Street Cincinnati, OH 45202GAIG.comNovember 12, 2015Sent via Revdex.com Online System[redacted] Marketplace Resource Consultant Revdex.com 7 West...

7th Street, Suite 1600 Cincinnati, OH 45202RE: Your File Number: [redacted]Owner: UnknownComplainant: [redacted]Agent: Brian K[redacted]Company Name: Great American Life Insurance Company NAIC Number: [redacted]Dear [redacted]:This correspondence is a response to your email dated November 6, 2015, regarding the above Great American Life Insurance Company” (“GALIC”) agent. I appreciate the opportunity to respond to yourconcerns.The complainant, [redacted], alleges that the above agent attempted to sell her parents an unsuitable product. [redacted] did not provide any identifying information regarding her parents, such as their names. According to our research of Brian K[redacted]’s business, he has not sold any products for our company this year. Unfortunately, as [redacted] is not the alleged, wronged party and since it appears no sale was made, we are unable to respond further regarding her complaint.GALIC respectfully denies [redacted]’ allegation that we are participating and perpetuating fraud and elder abuse and engaging in unfair business practices. New applications are reviewed for suitability as required by state and federal regulations.If you have any questions, please contact me at 1-800-854-3649. My direct extension is [redacted]. You may also reach me via fax at (513) 361-5967.Sincerely,Nicole W[redacted]Senior Compliance AnalystOur subsidiaries include:Great American Life Insurance CompanyAnnuity Investors Life insurance Company

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
A withdrawal is in process now that we hope is completed before the end of 2016.  A subsequent withdrawal will be requested at the beginning of 2017.  We are waiting on the company's action(s) before we close the complaint.
Regards,
[redacted]

Please see attached response.PO Box 5420 Cincinnati, OH 45201-5420Shipping Address;RE Great American Insistance Group Tower301 E Fourth Street Cincinnati, OH 45202GAIG.comSeptember 8, 2015Sent via OH Revdex.com Online System[redacted] Marketplace Resource Consultant Ohio Revdex.com 1 E....

4th Street, Suite 600Cincinnati, OH 45202RE: ID # [redacted]Owner: [redacted]Dear [redacted]:This correspondence is a response to your email dated August 29, 2015, and received the next business day on August 31, 2015, regarding the above Annuity Investors Life Insurance Company” (“AILIC”) annuity. I appreciate the opportunity to respond to your concerns.Our review of this matter shows that we received a Marital Settlement Agreement from [redacted] on January 21, 2015. According to that Agreement, this annuity contract was awarded 100% to [redacted] as her sole property. Also within that Agreement, it stated that she personally was to pay [redacted] $28,000. It did not state that those funds were required to come from our contract. AIDIC is not and was not a party to [redacted]’s divorce,As funds were not directly ordered in the Agreement to come from AILIC and there was no Qualified Domestic Relations Order ([redacted]), we are not responsible for how much [redacted] chose to withdrawal from our contract in order to pay her ex-spouse. It is also not our responsibility to advise [redacted] regarding the handling of her divorce and whether or not she needed to get a [redacted]. Any questions she had would have needed to be addressed with a qualified attorney. We are not permitted to give legal advice.In addition to the Agreement, [redacted] also sent in a partial withdrawal request where she requested that we send a check to [redacted] for the gross amount of $28,000 (before all charges & taxes). We processed her partial withdrawal as requested. Surrender charges applied to this withdrawal and we withheld them from the gross amount of $28,000, AILIC mailed a check in the amount of $25,565.75, directly to [redacted] and sent a letter to [redacted] showing the amount we had paid to [redacted]. In order for a check in the amount of $28,000 to have been sent to [redacted], [redacted] would have had to have requested a net withdrawal of $28,000, which she did not do.AILIC sent a 1099-R to [redacted], because [redacted] is not an Alternate Payee under a [redacted]. In order for [redacted] to have the 1099-R sent to him, he would have had to have been named as an Alternate Payee for an amount awarded directly from our contract. That is not the case here. Ourcontract was awarded 100% to [redacted]. Therefore, the withdrawal she requested was taxable to her, regardless of who she requested the check to be sent too.[redacted] first sent us a complaint letter in June 4, 2015. Along with her letter, she requested a full surrender payable to herself. We informed her that we were holding her full surrender request while we reviewed her complaint as she had stated that she continued to owe [redacted] additional funds. [redacted] demanded that we process her full surrender request immediately and not hold it and so we complied and processed the surrender.AILIC has responded to [redacted] on multiple occasions regarding this subject. [redacted]’s request for us to pay anything further to [redacted] is denied. Any additional funds that she continues to owe to [redacted] remain her personal responsibility and not AILIC’s responsibility. All funds have been distributed to [redacted] and her annuity was terminated,I hope this information is helpful. If you have any questions, please contact me at [redacted]. My direct extension is [redacted]. You may also reach me via fax at [redacted].Sincerely,Nicole W[redacted] Senior Compliance AnalystOur subsidiaries include:Great American Life Insurance Company Annuity Investors Life Insurance Company”

Dear [redacted]:
Attached is our reply to this case.
Sincerely,
Jacqueline S[redacted]
Compliance Manager?? ?ox 5420 Cincinnati, OH 45201–5420Shipping Address,GREAT Great American Insurance Group Tower 301 E Fourth Street Cincinnati, OH 45202GAIG.ComMarch 7, 2016[redacted]Marketplace Resource...

Consultant Cincinnati Revdex.com 1 East 4th Street, Suite 600Cincinnati, OH 45202RE: Consumer: [redacted] File Number: [redacted]Dear [redacted]:This correspondence is a follow up to your recent email regarding the above Providence American Life & Health Insurance Company case. I appreciate the opportunity to respond to you.Our review shows that we received a surrender request on October 9, 2015, and issued a check to the owner for the above referenced case on October 25, 2016. This check went to the address and zip code that appeared on the owner’s application. As we received notification that the check arrived after the 90 day void date due to an incorrect zip code, we voided the original check on February 12, 2016. Our company reissued a new one which went out on Feb 24, 2016. We apologize for the slight delay in mailing the new check.Our Life Manager tried to call [redacted] on February 29, 2016 to verify receipt. She left her name and number on the voice mail system. Please let us know if the owner did not receive the 2nd check.I hope this information is helpful. If you have any questions, please contact me at 1-800-854-3649. My direct extension is [redacted]. You may also reach me via fax at (513) 361-5967.Sincerely,Jacqueline S[redacted] Compliance ManagerOur member companies include: Administration for life insurance and annuities: Annuity investors Life Insurance Company Central Reserve Life Insurance Company Continental General Insurance Company Loyal American Life Insurance Company Great American Life Insurance Company Provident American Life & Health Insurance CompanyManhattan National Life Insurance Company United Teacher Associates Insurance CompanyToll Free: (800) 854-3649 ° Fax (513) 361-5967

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]

Our Corporate Compliance Department received your email correspondence on December 8, 2016, regarding the above referenced Great American Insurance Company® (“GALIC”) life insurance policy. I appreciate the opportunity to respond to your concerns.Our company reviewed the details Mrs. [redacted] provided....

GALIC received the policy change request form for this policy on December 6, 2016. The policy change request and the medical information are currently under review in the underwriting process. Once a decision has been made, the underwriter will notify the policy owner by letter of the underwriting decision.Please be aware that GALIC also reviewed Mrs. [redacted]’s concerns about phone calls to our office. Our research did not show incorrect estimated wait times quoted from our system. Our records show we received a phone call at 11:28 a.m. on December 5, 2016 in which the hold time was quoted at 50 minutes, and that the client’s requested call back was placed at 12:41 p.m. We also show a phone call on December 8, 2016 in which there was no wait time quoted, and the client spoke with a representative for three minutes. GALIC apologizes for any delays they may have experienced while waiting to talk to one of our representatives.I hope this information is [redacted]

Attached please find our response.PO Box 5420 Cincinnati, OH 45201-5420Shipping Address: Great American insurance Group Tower 301 E. Fourth Street Cincinnati, OH 45202Great American Insurance AnnuitiesGAIG.ComNovember 6, 2015Sent via OH Revdex.com Online System[redacted], Marketplace Resource Consultant Ohio Revdex.com 1 E. 4th Street, Suite 600Cincinnati, OH 45202RE: ID # [redacted]Owner: [redacted]Dear [redacted]:This correspondence is a response to your email dated November 4, 2015, regarding the above Annuity Investors Life Insurance Company” (“AILIC”) annuity. I appreciate the opportunity to respond to yourconcerns.AILIC has reviewed [redacted]’s case again. We complied with her request to make a gross withdrawal (before all charges and taxes) of $28,000 payable to [redacted]. We complied with her request to surrender the balance of her contract, payable to [redacted]. If [redacted] is owed more money, then [redacted] has all of the funds which she may use to pay him. We are not responsible for satisfying her financial obligation to [redacted]. We have no obligation to pay an amount that exceeds the value of her former annuity contract with us.Contrary to [redacted]’s claim that I did not forward her complaint to my superiors, her case and each letter received has been discussed with my superiors and she was notified of this in my September 29, 2015 response to her.I hope this information is helpful. If you have any questions, please contact me at [redacted], My direct extension is [redacted]. You may also reach me via fax at [redacted].Sincerely,Nicole W[redacted] Senior Compliance AnalystOur subsidiaries include:Great American Life Insurance Company Annuity Investors Life lnsurance Company

Please see our attached response.PO BOX 5420 Cincinnati, OH 45201-5420Shipping Address:GREA Great American Insurance Group Tower301 E Fourth StreetCincinnati, OH 45202GAIG.comJanuary 19, 2016Sent via Revdex.com Online System[redacted], Marketplace Resource Consultant Revdex.com7 West 7th Street, Suite 1600 Cincinnati, OH 45202RE: . Your File Number: [redacted]Owner: UnknownComplainant: [redacted]Company Name: Great American Life Insurance Company NAIC Number: [redacted]Dear [redacted]:This correspondence is a response to your email dated January 15, 2016, regarding the above Great American Life Insurance Company (“GALIC”) agent. I appreciate the opportunity to respond to yourconcerns.GALIC thanks [redacted], for making us aware of her concerns regarding agent, Brian K[redacted]. Our company has certain checks in place to guard against unsuitable sales. We provide disclosures to our clients, perform a suitability review upon receipt of a new application, and every annuity purchaser is provided with a 30-day free look period in which to review their contract and cancel it with no consequences if the annuity does not meet their needs or is inconsistent with their expectations.We will contact Mr. K[redacted] to discuss [redacted]’s allegations. We will clarify our expectations and provide additional training as necessary to address any misunderstandings.If you have any questions, please contact me at 1-800-854-3649. My direct extension is [redacted], You may also reach me via fax at (513) 361-5967.Sincerely,Nicole W[redacted] Senior Compliance AnalystOur subsidiaries include:Great American Life insurance Company Annuity Investors Life Insurance Company

Dear [redacted]:   This correspondence is a response to your letter dated February 14, 2018 regarding the above referenced Annuity Investors Life Insurance Company® (“AILIC”) annuity contract.  I appreciate the opportunity to respond to your concerns.   On May 3, 2017, AILIC received...

a name change and beneficiary change request from [redacted]. In order to process the name change request, we sent a letter to her on May 15, 2017 requesting a copy of her marriage certificate, divorce decree or a court order to verify the name change.  We did not receive the requested information prior to [redacted]’s death and therefore did not process either request.   Based on a re-review of the change form, we agree that [redacted] is the rightful beneficiary of this contract.  In order to process payment to [redacted], we will need a Claim Statement completed by him.  AILIC has reached out to [redacted] about this requirement and we are sending the form for him to complete and return.   I hope this information is helpful.  If you have any questions, please contact me at 1-800-854-3649.  You may also contact me via fax at (513) 412-5967.     Sincerely,                                         ...⇄ Compliance Specialist Tell us why here...

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I received a phone call from Amber representing Great American mid-November.  In the phone call, she did verify that they sent the Long Term Care Facility Form to the wrong facility.  Their Compliance Mgr stated in their response that the facility was "left blank" & the Doctor's info was "illegible" but the Dr wrote in the correct facility TWICE on the forms  -  Once beside his signature on the front page, and once on the Physician's Statement under "Facility or Hospital patient is confined."  At no point during their review and questions pertaining to the Long Term Care Waiver request, DID THEY EVER SIMPLY PICK UP THE PHONE AND CALL ME.  Their only way of communication seems to be mailing forms 10-14 days after the fact.  I have left 2 messages (1 per week) for Amber at her extension since our first conversation, as of yet - no response.I believe this is more "foot dragging" on the company's behalf.
Regards,
[redacted]

Please see attached response.PO Box 5420 Cincinnati, OH 45201–5420 Shipping Address:Great American Insurance Group Tower 301 E Fourth Street Insurance Cincinnati, OH 45202 Great American Insurance Group AnnuitiesGA1G.comOctober 8, 2015Sent via OH Revdex.com Online System[redacted], Marketplace Resource Consultant Ohio Revdex.com 1 E. 4th Street, Suite 600Cincinnati, OH 45202RE: ID #: [redacted]Owner: [redacted]Dear [redacted]:This correspondence is a response to your email dated October 2, 2015, regarding the above Annuity Investors Life Insurance Company” (“AILIC") annuity. I appreciate the opportunity to respond to yourconcerns.[redacted] had an annuity contract with AILIC, AILIC complied with [redacted]’s request to make a “gross withdrawal (before all charges and taxes)” of $28,000 payable to her ex-husband. We later complied with her request to surrender in full the remaining balance of her contract, payable to her. The AILIC annuity contract is now closed. If her ex-husband is owed more money, then [redacted] has all of the remaining funds from her AILIC annuity that she may use to pay him. We are not responsible for satisfying her personal financial obligation to her ex-husband, and we have no obligation to pay an amount that exceeds the value of her former AILIC annuity contract.AILIC is not a fiduciary for [redacted] and does not have a fiduciary obligation to her. We are an insurance company and we sell annuity contracts. We are not a fiduciary to our clients. We do owe to our clients a duty of good faith and fair dealing, and we have fulfilled this duty to [redacted] by paying the full value of her annuity contract in accordance with her instructions.We did not process [redacted]’s request to pay to her ex-husband as a Qualified Domestic Relations Order (QDRO) because [redacted] does not have a QDRO. The court order that she provided is not a QDRO because it does not require payment to be made to her ex-husband from the AILIC annuity contract. It requires payment from her. We cannot process a court order that is not a QDRO as if it were a QDRO.[redacted] previously submitted her complaint against AILIC to the [redacted]. We responded to the [redacted]’s inquiry, and they were satisfied with our response. In addition, AILIC has responded to [redacted] numerous times via letter explaining the issue to her and she refuses to understand.I hope this information is helpful. If you have any questions, please contact me at [redacted]. My direct extension is [redacted]. You may also reach me via fax at [redacted].Sincerely,Nicole W[redacted] Our subsidiaries include:Senior Compliance Analyst Great American Life insurance CompanyAnnuity investors Life Insurance Company