From: S***, Sherie< [redacted] @colpenn.com>Date: Wed, Mar 22, at 1:PMSubject: File id# [redacted] To: " [redacted] @myRevdex.com.org" < [redacted] @myRevdex.com.org> [redacted] ***, Please find the Colonial Penn resolution response and supporting documents to the above-referenced Id Please let me know of any additional questions. Best regards, Sherie S*Sherie S*Team LeaderColonial Penn Life InsuranceMarket StPhiladelphia, PA 19181( [redacted] |[redacted] [email protected]
December 21, 2017 Dear [redacted] ***: I am writing in response to the complaint concerning the increased premium amount for the accountreferenced aboveI am happy to be of assistance in your inquiry. There seems to be some confusion with how the policy renewal process works Please allow me to clarify.The policy purchased by [redacted] is the Year renewable term life to age This policy renewsautomatically every years and the new premium increase is based on the current age at the time of the renewalThe coverage became effective on January 8, 2013, for $monthly and a death benefit amount of $25,The rate is based on the issue age at that time which was Five years later, on January 8, 2018, the anniversary date of the policythe renewal will be processed, and the new monthly premium will be $49.70. It is important to understand that Term Life insurance premiums are subject to change as stated in the original policy documentsAdditionally, the premium increase is effective as of the policy anniversary dateI have enclosed a copy of the premium increase notice indicating that premium amount mailed to the address on ?le.Given your interest in and preference for a fixed premium amount the whole life insurance product over term life insurance is suggestedThe policy does include the conversion option clauseThe conversion option permits the applicant to convert the term insurance coverage to a permanent whole life insurance contract. Please review a copy of the provision below. CONVERSION PROVISIONBefore you reach age and while your coverage is in force, you may convert to an individual policy issued by the CompanyYou must send this Certi?cate with your written request to convert to the CompanyIf your coverage terminates because the Group Policy is terminated, you may also convert your terminated coverage provided application is made to the Company and the ?rst premium is paidwithin days of such termination.You may select any whole life insurance policy the Company issues at the age and amount applied for as the new policyEvidence of insurability will not be requiredThe amount of insurance of the new policy cannot exceed the amount provided under this Certi?cate on the date of conversionIn the case of conversion due to termination of the Group Policy, the amount of insurance of the new policycannot exceed the amount provided under this Certi?cate on the date of conversion, or $10,000, whichever is smallerThe new policy will be at the premium rate in use on the Issue Date of the new policyThe premium will be based on your attained age.Any individual policy issued in accordance with the above conversion privileges will become effective at the end of the day grace period during which application for such policy may be made.If you die during the days within which you are entitled to convert to an individual whole life policy, the Company will pay the amount of life insurance which you were entitled to convert, whether or not application for such individual policy was made.Our customer service department at ###-###-#### is staffed with knowledgeable professionals that are more than eager to explain any life insurance concept as needed throughout any product's in-force period.Also, under a separate cover I have sent a conversion packet for [redacted] to review the conversion rates and if he decides, a form is included to put that option into place.Please extend our apologies for any upset we may have caused in matterHopefully, this resolution and information is found to be satisfactoryIf I may be of further assistance to you, please feel free to contact me directly at ###-###-####.Sincerely,Yanisha *S [redacted] Customer Service Team Leader
From: Revdex.com of Metro Washington DCDate: Tue, Jan 2, at 11:AMSubject: Fwd: You have a new message from the Revdex.com of Metro Washington DC & Eastern Pennsylvania in regards to your complaint # [redacted] .To: [redacted] < [redacted] @myRevdex.com.org>Sincerely,Revdex.com Customer Service Team---------- Forwarded message ----------From: < [redacted] @ [redacted] .net>Date: Mon, Jan 1, at 2:PMSubject: Re: You have a new message from the Revdex.com of Metro Washington DC & Eastern Pennsylvania in regards to your complaint # [redacted] .To: Revdex.com You never rec'd a response from me because you never asked for one.Basically, this business is allowed to be deceptive on TV and it's ok.................NOT! If you went back years ago and listened to their ad, you would see how deceptive they are Businesses get away with this type of thing all the time and who gets hurt???????? The consumer gets hurt, of course!!I have no choice but to continue with Colonial Penn because I have paid them for years and I can't afford to lose that $$ and I need life insurance.You may consider it settled, but I will be sure to let my friends know all about Colonial Penn and the Revdex.com
I am writing in response to your correspondence dated August 25, and am happy to be of further assistance in your investigation.The account referenced above today with no further premium due from August 6, the last payment received was on July 11, in the amount of $paying the account to August 6th.Please convey our apologies for the resulting confusion by our representatives not fully explaining the cancelation instructions have since been complied with This is not for our customer service effort All parties involved have been coached toward a better result going forward.I have additionally submitted a removal of MsParrish's information from our mailing list The effect will diminish over time as we often prepare mailing campaigns months in advance.If I may be of further assistance to you, please feel free to contact me directly at ###-###-####.Sincerely,Roger LL**, Sr
From: S***, Sherie< [redacted] @colpenn.com>Date: Wed, Mar 22, at 1:PMSubject: File id# [redacted] To: " [redacted] @myRevdex.com.org" < [redacted] @myRevdex.com.org> [redacted] ***, Please find the Colonial Penn resolution response and supporting documents to the above-referenced Id Please let me know of any additional questions. Best regards, Sherie S
*Sherie S
*Team LeaderColonial Penn Life InsuranceMarket StPhiladelphia, PA 19181( [redacted] |[redacted] [email protected]
December 21, 2017 Dear [redacted] ***: I am writing in response to the complaint concerning the increased premium amount for the accountreferenced aboveI am happy to be of assistance in your inquiry. There seems to be some confusion with how the policy renewal process works Please allow me to clarify.The policy purchased by [redacted] is the Year renewable term life to age This policy renewsautomatically every years and the new premium increase is based on the current age at the time of the renewalThe coverage became effective on January 8, 2013, for $monthly and a death benefit amount of $25,The rate is based on the issue age at that time which was Five years later, on January 8, 2018, the anniversary date of the policythe renewal will be processed, and the new monthly premium will be $49.70. It is important to understand that Term Life insurance premiums are subject to change as stated in the original policy documentsAdditionally, the premium increase is effective as of the policy anniversary dateI have enclosed a copy of the premium increase notice indicating that premium amount mailed to the address on ?le.Given your interest in and preference for a fixed premium amount the whole life insurance product over term life insurance is suggestedThe policy does include the conversion option clauseThe conversion option permits the applicant to convert the term insurance coverage to a permanent whole life insurance contract. Please review a copy of the provision below. CONVERSION PROVISIONBefore you reach age and while your coverage is in force, you may convert to an individual policy issued by the CompanyYou must send this Certi?cate with your written request to convert to the CompanyIf your coverage terminates because the Group Policy is terminated, you may also convert your terminated coverage provided application is made to the Company and the ?rst premium is paidwithin days of such termination.You may select any whole life insurance policy the Company issues at the age and amount applied for as the new policyEvidence of insurability will not be requiredThe amount of insurance of the new policy cannot exceed the amount provided under this Certi?cate on the date of conversionIn the case of conversion due to termination of the Group Policy, the amount of insurance of the new policycannot exceed the amount provided under this Certi?cate on the date of conversion, or $10,000, whichever is smallerThe new policy will be at the premium rate in use on the Issue Date of the new policyThe premium will be based on your attained age.Any individual policy issued in accordance with the above conversion privileges will become effective at the end of the day grace period during which application for such policy may be made.If you die during the days within which you are entitled to convert to an individual whole life policy, the Company will pay the amount of life insurance which you were entitled to convert, whether or not application for such individual policy was made.Our customer service department at ###-###-#### is staffed with knowledgeable professionals that are more than eager to explain any life insurance concept as needed throughout any product's in-force period.Also, under a separate cover I have sent a conversion packet for [redacted] to review the conversion rates and if he decides, a form is included to put that option into place.Please extend our apologies for any upset we may have caused in matterHopefully, this resolution and information is found to be satisfactoryIf I may be of further assistance to you, please feel free to contact me directly at ###-###-####.Sincerely,Yanisha *S [redacted] Customer Service Team Leader
From: Revdex.com of Metro Washington DCDate: Tue, Jan 2, at 11:AMSubject: Fwd: You have a new message from the Revdex.com of Metro Washington DC & Eastern Pennsylvania in regards to your complaint # [redacted] .To: [redacted] < [redacted] @myRevdex.com.org>Sincerely,Revdex.com Customer Service Team---------- Forwarded message ----------From: < [redacted] @ [redacted] .net>Date: Mon, Jan 1, at 2:PMSubject: Re: You have a new message from the Revdex.com of Metro Washington DC & Eastern Pennsylvania in regards to your complaint # [redacted] .To: Revdex.com You never rec'd a response from me because you never asked for one.Basically, this business is allowed to be deceptive on TV and it's ok.................NOT! If you went back years ago and listened to their ad, you would see how deceptive they are Businesses get away with this type of thing all the time and who gets hurt???????? The consumer gets hurt, of course!!I have no choice but to continue with Colonial Penn because I have paid them for years and I can't afford to lose that $$ and I need life insurance.You may consider it settled, but I will be sure to let my friends know all about Colonial Penn and the Revdex.com
Colonial Penn Response
I am writing in response to your correspondence dated August 25, and am happy to be of further assistance in your investigation.The account referenced above today with no further premium due from August 6, the last payment received was on July 11, in the amount of $paying the account to August 6th.Please convey our apologies for the resulting confusion by our representatives not fully explaining the cancelation instructions have since been complied with This is not for our customer service effort All parties involved have been coached toward a better result going forward.I have additionally submitted a removal of MsParrish's information from our mailing list The effect will diminish over time as we often prepare mailing campaigns months in advance.If I may be of further assistance to you, please feel free to contact me directly at ###-###-####.Sincerely,Roger LL**, Sr