Horace Mann Companies

I am rejecting this response because: the reason the company gave is not acceptable

I am rejecting this response because: I have asked for all my money ever paid to you to be refundedNo one has helped me and has been rude to meYou have cancelled policies and changes policies without ever contacting me and without my permissionGive me every penny I paid to your company refunded back and then I will leave Horace Mann and never use you as an insurance again as this is not a reputable company

I am rejecting this response because: when Sean [redacted] t said he wanted to go over my options after I requested to cancel the policy, I told him no and I just wanted to cancelHe did not honor my request

Initial Business Response / [redacted] (1000, 5, 2016/06/27) */ Thank you for contacting our company with the concerns expressed by our customer [redacted] I am pleased to advise the Revdex.com that I had the pleasure of personally speaking to Ms [redacted] prior to this communication On behalf of our company, I would like to apologize to Ms [redacted] for the delay and undue concern she experienced when her policy cancelled As I discussed with Ms [redacted] , the refund check she received is being applied back to the policy and we are reinstating coverage without a lapseI followed up Friday, June 24, with Ms [redacted] leaving her a voicemail message that her policy is now showing an active status while we complete the payment processing Ms [redacted] is a valued customer and this matter does not represent the quality of service that our loyal customer should expect or deserveWe are sharing her experience with the proper management for future training opportunities Please let me know if I may be of any further assistance Sincerely, [redacted] The Horace Mann Companies

Our company is also in receipt of this same correspondence We are communicating with our insured directly

Initial Business Response / [redacted] (1000, 6, 2015/10/28) */ Revdex.com Attention: Dispute Resolution Department Complaint Case #: XXXXXXXX Consumer: Mrs [redacted] Subject: Life policy insuring [redacted] Your correspondence dated October 21, 2015, has been referred to me and I appreciate the opportunity to respond to Mrs [redacted] 's concerns related to the life policy insuring her father, [redacted] Mrs [redacted] states that she has mailed and faxed our company Power of Attorney documents and signed requests to cancel the life policyI want to thank Mrs [redacted] for her patience and understanding in this matter Our review shows that on October 16, 2015, we received a copy of the Power of Attorney (POA) documents faxed to our company by Mrs [redacted] However, no cancellation letter was received with the POA document On Monday, October 26, 2015, we received a copy of the POA documents and a cancellation letter dated October 2, signed by [redacted] We are completing the surrender processing of the life policy effective October 9, 2015, and three checks will be mailedWe will mail a check for the whole life cash value, a premium refund check, and a check for the policy account value Please do not hesitate to contact me if I can be of further assistance Sincerely, [redacted] , [redacted] Resolution Case Manager The Horace Mann Companies Law Division Toll Free: XXX-XXX-XXXX Fax: XXX-XXX-XXXX Email: [redacted] @horacemann.com Initial Consumer Rebuttal / [redacted] (2000, 8, 2015/10/29) */ (The consumer indicated he/she ACCEPTED the response from the business.) After a delay, which lasted way too long, Horace Mann is refunding the accumulated value of my father's life insurance to himThey have done what I asked on behalf of my father, [redacted] While I am satisfied with the resolution, I would still give this business a very low rating [redacted] A [redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me

Dear Sir or Madam:Your correspondence dated October 19, has been referred to my attentionI appreciate the opportunity to respond on behalf of our company.Due to the fact that the named insured and owner of the policy in question is not Mr*** ***, we are unable to provide any
policy information.A separate letter will be mailed directly to our insured.Sincerely,*** ** *** FLMI, AIRC, APIAIS, AINS, ACSResolution Case managerLaw DivisionThe Horace Mann CompaniesToll Free: ***Email: ***

Initial Business Response /* (1000, 5, 2015/05/21) */
Your email dated May 13, to our Corporate Complaint Unit has been referred to me for review and a response
Mrs*** addressed in her complaint claim issues concerning claim service, rental, repairs, deductible, and difficulty
reaching her adjusterHer desired resolution was noted that she wants us to pay for her repairs, her rental car, and have the other driver pay the deductible
The Physical Damage Specialist, ***, has now authorized rental for Mrs*** up to her policy limits thru May 27thThe at-fault carrier *** did cover the initial rental up to the point we started covering rental on May 8th
We have paid for the originally estimated repairs to the ***'s *** on May 2ndWe also paid for the estimated supplemental repairs on May 19th
On May 20th, we did also issue payment of $for Mrs***'s deductible to the shop so that Mrs*** will not be responsible for her deductible
We strive to provide the very best claim service in the industry, and we regret the issues that Mrs*** encountered on this claim
It is my understanding that the issues presented are now resolved
If you need additional assistance, please contact Consumer Affairs at *** or email them at ***@horacemann.com
Sincerely,
***
Desk Review Manager
The Horace Mann Companies

I am rejecting this response because:
out of policies were cancelled without written notice to me the policyholder.I have been a Horace Mann customer for years.This is company negligence and insurance fraud.I have also formally reported this to the State of New Hampshire Insurance Commissioner as well as my personal attorney.I plan to pursue this at a corporate level with the company

Initial Business Response /* (1000, 5, 2016/06/27) */
June 27,
Revdex.com
Subject: Your Complaint Case: #XXXXXXXX
Consumer: *** ***
Auto policy: #XX-XXXXXXXX – Honda Accord
Horace Mann Property & Casualty Insurance Company – NAIC #XXXXX
Dear Dispute Resolution
Department,
Your concerns, submitted on June 22, through our complaint portal at www.horacemann.com, have
been referred to my attentionThank you for allowing me the opportunity to respond on behalf of the company
We sincerely apologize on behalf of the company for the concern we caused Mr***Our recordsindicate auto policy #XX-XXXXXXXX was canceled effective the issue date of April 5, 2016, and no premium is due for this policyThis policy has a zero (0) balance and he can ignore the bill he received for $
If you have any further questions, you may reach me at XXX-XXX-XXXX, or by email at ***@horacemann.com
Sincerely,
*** ***, ALMI, AINS, ACS
Resolution Case Manager
Law Division
The Horace Mann Companies
Toll Free 866-999-
Email
[email protected]
Initial Consumer Rebuttal /* (3000, 7, 2016/06/28) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I will print the Horace Mann response to serve as proof of $balance since there is third-party involvementI addressed the possibility of this non-existent policy and premium in my complaint, possibly reflecting a negative account on our credit recordsThis was not addressed in the responseSeeing that purchasing insurance involves a credit check, I am inquiring (again) if Horace Mann has submitted the said undue premiums to the credit reporting agenciesIf I am required to file a seperate complaint to receive a response, I will file another complaintIn addition, I am requesting that Horace Mann respond only through the Revdex.com and to stop mailing policy cancellation notices, premium balances,etcReceived both, again, 6-27-I am receiving at least (1) of each weeklyNuisance
Final Business Response /* (4000, 9, 2016/06/30) */
Please see our company response to MrClark's second inquiry

Dear Dispute Resolution Department, Your letters, dated May 25, and June 6, 2017, have been referred to my attentionThank you for allowing me the opportunity to respond on behalf of the companyMs*** stated she had called her agent, Sean *** regarding canceling her auto policy and
we continued to draft her premium through Electronic Funds Transfer (EFT) causing her bank account to be over draftedShe stated she still does not have the $to pay her bank for the fees and attempts to reach Mr***t have been unansweredOur records indicate the following time line of eventsOn July 21, 2016, we issued Ms***’s auto policy effective July 20, at annual rate of $for coverage through July 20, Ms*** made a down payment of $and her premium balance of $was set up to be drafted for payments of $Deductions continued each month beginning September 1, through January 3, On December 28, 2016, Ms*** contacted our Contact Center representativeOur notes of the call indicate that the representative informed Ms*** that we need at least days to remove her policy from EFT and the representative advised her that the deduction for January would take place (Attachment A)I have attached a copy of our Terms and Conditions for EFT (Attachment B)On January 11, 2017, we were notified by Ms***’s bank that her January withdrawal for $had been declinedWe mailed Ms*** a notice that we were unable to withdraw the premium due and requested that she pay $(payments of $63.96) by January 31, to continue coverage (Attachment C)On January 15, 2017, Mr***t stated that Ms*** left him a phone message to cancel her auto policyMr***t stated he attempted on numerous occasions to reach Ms*** to obtain her written request to cancel her policy without successOn January 31, 2017, we mailed Ms*** a cancellation notice advising that her policy would cancel effective February 13, at 12:AM Standard Time if we did not receive the $minimum due (Attachment D)On February 16, 2017, auto policy #24-canceled effective February 13, and we billed Ms*** for $for coverage provided to the cancel date (Attachment E)We have reviewed Ms***’s concerns and we cannot reimburse her for the bank fees she was assessed as a result of our January 3, EFT withdrawal attemptMs*** was notified on December 28, that this withdrawal would occurAdditionally, our Terms and Conditions specify the client must provide a day advance notice to change the banking arrangementHowever, as Ms*** did make phone contact to Mr***t to request the cancel on January 15, 2017, we will adjust the cancel date from February 13, to January 15, and will adjust the premium accordinglyMs*** will receive documentation of this separately in the mailIf you have any further questions, you may reach me at 866-999-7471, or by email at [email protected], *** ***, ALMI, AINS, ACS Resolution Case Manager Law Division The Horace Mann Companies Toll Free 866-999-Email [email protected]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and find that this resolution is satisfactory to me. I received my check two days ago and file can now be closed

The original letter and attachments were sent to the client

February 26, 2018*** *** *** **Enfield, NH 03748-3366Revdex.com Complaint ID: ***Consumer: *** ***Auto Policy: ***, vehicle insured SubaruClaim Number: ***Auto Policy: ***, vehicle insured SubaruDear Mr***:This is in response to your complaint
reported to the Revdex.comTheir complaint on your behalfwas received February 20, We responded to the organization informing them a detailed response wouldbe provided to you personally.You stated that two of your auto policies were cancelled without prior notificationOne of the vehicles isinvolved in an active claimYou are seeking no lapse in coverage for the two policies and ask that coverage beprovided for your recent loss.We must respectfully decline your requests to reinstate the two auto policies without a lapse in coveragePleasesee our explanation below.Auto Policy ***On August 21, the renewal offer was produced for the coverage term effective October 8, to April 8,We received your payment of the $minimum payment on October 10, 2017.On October 24, we processed a change to the vehicle usage to pleasure use and added Daniel *** asthe classed driverThe change in classed driver was due to policy *** being cancelled at your request.An amended statement and bill for $was mailedWe have no record of the mailing being returned asundeliverable and, in addition, our records indicate that you confirmed the address we have on file for you iscorrect in your call to our Contact Center on February 6, We did not receive a premium payment and, as aresult, on November 8, a cancellation notice was mailed requiring payment be made by December 8,2017.The premium was not received and the policy cancelled for non-payment of premium effective December 8,2017.Claim *** was reported for a date of loss January 27, Your policy cancelled for non-paymentprior to the date of loss therefore there was no insurance coverage in place for this claimWe are unable tooffer further assistance for this incident.Due to the loss after your policy cancelled, we were unable to accept your request to reinstate the policy whenyou called on February 6, However, our Contact Center representative did offer to transfer your call toour Inside Sales group to determine if coverage could be written with one of our partner companies.Auto Policy ***On July 19, 2017, we produced the renewal offer for the coverage term September 7, to March 7, 2018.We have no record of the mailing being returned as undeliverable and no premium payment was receivedOnSeptember 11, an expiration notice was produced requiring payment be made by September 18, Wereceived your payment of $on September 22, Also on September 22, 2017, we mailed a bill forthe balance due of $due on November 24, 2017.This payment was not received and a cancel notice was produced on November 24, requiring payment byDecember 7, for the balance dueAgain, we have no record of the mailing being returned as undeliverableand we did not receive a premium paymentThe policy cancelled for non-payment of premium effectiveDecember 7, 2017.You called our Contact Center on February 6, requesting to reinstate the coverageWe accepted apayment of $and coverage was reinstated effective February 7, Our representative correctlyadvised you that there would be a lapse in coverage from December 7, to February 7, We areunable to honor your request to remove the lapse in coverage.For your review, I have enclosed copies of all cancellation and/or expiration notices referenced above.Please feel free to contact me if you have any further questions or concerns.Sincerely,*** ** *** FLMI, AIRC, API,AIS, AINS, ACSResolution Case ManagerLaw DivisionThe Horace Mann CompaniesPhone Number: ***Toll Free: ***Email: [email protected]

Dear Sir or Madam:Thank you for your correspondence. We will provide a written response directly to our customerSincerely, The Horace Mann Companies

Initial Business Response /* (1000, 9, 2015/06/17) */
Attention: Dispute Resolution Department
I am writing to acknowledge receipt of your correspondence dated June 17, 2015, and to introduce myself as the Resolution Case Manager assigned to this inquiry.
Every effort will be made to resolve...

the customers concerns as quickly as possible. In the event you have any questions or additional information to share prior to receiving our reply, please contact our team at XXX-XXX-XXXX or by email at [redacted]@horacemann.com.
Sincerely,

[redacted],[redacted]
Resolution Case Manager
The Horace Mann Companies
Law Division
Toll Free: XXX-XXX-XXXX
Fax: XXX-XXX-XXXX
Confidentiality Notice: This message contains information which is confidential or privileged. The information is intended to be for the use of the individual or entity named above. If you are not the intended recipient, be aware that any disclosure, copying, distribution or use of this Email is prohibited. If you have received this Email in error, please notify the sender by reply Email and delete this Email immediately. Thank you.
Initial Consumer Rebuttal /* (2000, 11, 2015/06/18) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Within hours of filing my complaint I was contacted by the company. Within the day my claim was worked out and settled . I appreciate the prompt response from both the Revdex.com and Horace Mann. I am completely satisfied.

I am rejecting this response because:
I have asked for all my money ever paid to you to be refunded. No one has helped me and has been rude to me. You have cancelled policies and changes policies without ever contacting me and without my permission. Give me every penny I paid to your company refunded back and then I will leave Horace Mann and never use you as an insurance again as this is not a reputable company.

Initial Business Response /* (1000, 5, 2016/06/10) */
Dear Dispute Resolution Department,
Your email dated June 6, 2016, to [redacted], has been referred to my attention. Thank you for
allowing me the opportunity to respond on behalf of the company.
We have responded to Mr. [redacted] directly...

due to the personal, non-public information that we needed to
include in our response.
If you have any further questions, you may reach me at XXX-XXX-XXXX, or by email at
[redacted]@horacemann.com.
Sincerely,
Resolution Case Manager
Law Division
The Horace Mann Companies
Initial Consumer Rebuttal /* (2000, 7, 2016/06/16) */
They resolved the issue case closed

Initial Business Response /* (1000, 5, 2016/09/22) */
Thank you for contacting our company. We responded directly to the consumer prior to receiving this correspondence and consider the issues resolved.
Should our customer have any additional concerns pertaining to his insurance needs, he may...

call our Contact Center at 800-999-1030. Our representatives will be happy to provide assistance.
Initial Consumer Rebuttal /* (3000, 7, 2016/09/23) */
(The consumer indicated he/she DID NOT accept the response from the business.)
They have not talked to me since I filed the complaint. They have not returned my money. They entire response is a lie.
This is bordering on legal action at this point.
Final Business Response /* (4000, 9, 2016/09/26) */
I personally replied to our customer on Friday, September 23 advising him I submitted a stop pay action on the refund and asked that the check be reissued. We again apologize for the delay in his receiving the refund.