Montgomery Ward Company

Please be advised that Life Insurance Company of the Southwest has a claim pending on the policy.Please also be assured we have been and are currently working directly with [redacted] on this pending claim[redacted] ACS, AIRCDirector, Market Conduct & Compliance

Revdex.com: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted] Regards, [redacted] ***

Revdex.com: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint [redacted] I understand that by choosing to accept the business response that my complaint will be closed as resolved Regards, [redacted] ***

Revdex.com: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted] Regards, [redacted]

This review does not include all of the facts of this caseBut due to privacy regulations, the Company is unable to provide additional detail The Company has provided its written response to the applicable partiesSince 1848, National Life has worked hard to deliver on our promises with our vision of providing peace of mind in times of need

Dear Sirs,Please accept this communication as our response to your February 1, 2016 correspondence regarding Ms. ***’s request to cancel her annuity policy. After a complete review of her annuity policy file, we acknowledge our errors and would like to provide two options to resolve this matter.We... strive to offer the best possible service to all our policy owners; however, we have failed to meet our own standards on your annuity policy. We agree we have made errors on two of the three withdrawals we have processed from your annuity policy.To show our sincere apologies, in the hopes to keep Ms. [redacted] as a valued policy owner, we would like to give her $1,000.00 to cover her taxes. This amount would be deposited directly into her bank account using the information she has previously provided. This goodwill gesture will not be taken from her annuity policy and will not be reported as income to her.If the above offer is not acceptable, we will allow Ms. [redacted] to surrender her annuity policy with no withdrawal charges. The premiums can be deposited directly to her bank account or we will transfer the premiums to another financial institution with required documents. We would like to remind her, if the premiums are remitted to her, we will report the transaction as income on a 2016 Form 1099R in January 2017. If Ms. [redacted] would like to have premiums transferred, we will require transfer documents with a letter of acceptance from the financial institution. According to IRS regulations, trustee-to-trustee transfers are not a reportable event.We hope we have adequately addressed all your concerns. If you have any further questions, please feel free to contact me at [redacted] , extension ***.Sincerely, [redacted] Market Conduct & Compliance

Thank you for forwarding Mrs [redacted] 's complaint to us.We have reached out and spoken to her today, and we will be responding to her in writing once our review of her concerns has been completed.Sincerely, [redacted] Convery###-###-####

RevDex.com: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted] . . [National Life has provided a response to my complaint. However, they have not adequately addressed my concerns and I responded asking for further consideration. I also tried to reach out by phone, however the phone number provided goes directly to voicemail. Furthermore, National Life has not notified me the complaint has been closed, only to contact if I have further questions. ] Regards, [redacted] ***

Mr*** submitted the same complaint directly to our company. We contacted Mr*** and are working with him on a resolution. The Revdex.com complaint may be closed

This review does not include all of the facts of this case. Due to privacy regulations, the Company is unable to provide additional detailPlease be assured The Company has been in constant contact with the policy owner who is aware of the facts of this case. The complainant is not the
policy owner. Since 1848, National Life Insurance Company has worked hard to deliver on our promises with our vision of providing peace of mind in times of need

RE: File *** Dear Revdex.com: Due to the nature of Ms***’s complaint (medical/claim issue), we cannot provide you with file documentation.Please be advised the Ms***’s request for a full refund of premiums was honored. Therefore, the complaint was resolved.Feel free to contact me if you have any questions. Sincerely,*** ** ***Director, Market Conduct & ComplianceP: ###-###-#### | F: ###-###-#### | ***@nationallife.com

Please be advised Mr***’s statement that he has talked to Life Insurance Company of the Southwest (LSW) only once, and only because he called us is incorrect. LSW has been in constant contact with Mr*** regarding this pending claim. Due to privacy regulations and our published privacy policy, we are unable to provide you specific detail. Again, please be assured we have been and are currently working directly with *** *** on this pending claim. *** ** ***, ACS, AIRCDirector, Market Conduct & Compliance

Revdex.com:
I have reviewed the response submitted
by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ***Please add your rejection comments below.
I received a call from *** who offered no relief* did not want to respond on the Revdex.com website citing privacy , but once I filed the complaint I gave the Revdex.com permission to be involvedLike I said I was mislead I just had major surgery to my ankle which my doctor said I may not walk the sameMy surgery went from a repair to a reconstructionWhich is causing me to miss work minimum the next weeks and I was told by a representative I had to be dying to receive benefitsI was told I would receive a letter to cancel the policy which I never receivedI was told before anything I would receive a letter to fill out to file a claim I never received thatThis company told me a lot of things that proved to be then tried to place blame on the agent in which I got information from the company contacted the agent she contacted the company and was told the same information told to meI would receive a questionnaire to file a claim I never got itThe company told me they sent a letter to my PCP about my surgery when the PCP is not the surgeonThe company did not meet my needs and now after speaking to *** I feel even more I was scammed*** was unempathetic to my situationI was called the day after my surgery still kind of sedated and in pain.
Regards,
*** ***

We acknowledge receipt of your correspondence received on *** *** referenced policy We are in the process of reviewing our file documentation and will be able to provide a response to you soon. It is always our mission to provide our customers with the best of quality service;
handling every concern effectively and efficiently as possible Please be assured that we make every effort to service our customers with honesty and integrity. We always want to respond in a professional and timely manner If you have any questions, please feel free to contact me at ***, extension ***. Sincerely,Thank you for your business and continued support If you would like to provide feedback on my customer service, please contact my manger, *** *** ** *** ** *** ***

We responded directly to Mr*** following our review. Mr***'s complaint is closed

Revdex.com:I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #***I understand that by choosing to accept the business response that my complaint will be closed as resolved. Regards, *** ***

Please be advised that Life Insurance Company of the Southwest has a claim pending on the policy.Please also be assured we have been and are currently working directly with *** *** on this pending claim.*** ** *** ACS, AIRCDirector, Market Conduct & Compliance

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint [redacted]. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 
Regards,
[redacted]

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted].  
 
Regards,
[redacted]

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted].
 
Regards,
[redacted]