Mony Life Insurance Company

I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted] ***

Misdirected MailDear Mr***Thank you for taking the time to notify us that you received another policyholders'statementIt was a pleasure speaking with youWe appreciate your patience in thismatter.Please be assured feedback has been provided regarding this processing oversight toprevent any re-occurrenceWe notified our other policyholder of this situation andadvised him you assisted in letting us knowYour concerns were escalated to ourmanager for review.As a matter of record, we must notify you that the information relative to the otherpolicyholder was confidential and was only for the use of the individual named in thatcorrespondenceAs you were not the intended recipient, you are prohibited fromdistributing, forwarding, copying, or using this information in anyway.We apologize for any inconvenience or concern this has causedShould you have anyquestions regarding this letter, please contact our Customer Service Representatives at(800) 487-6669, Monday - Thursday between the hours of8:AM and 7:00PM ET,and Friday until 5:00PM ET.Sincerely,Linda [redacted] Senior Specialistcc: Agency [redacted] ***

I am sending you this email in reference to the complaint ID [redacted] filed with the Revdex.com In gathering the information I noticed the policy is in its grace period and about to lapse (payment is due in our office by September 10, 2017) The policy owner received a notice from us dated August 15, I have run into situations like this in the past, when a complaint is filed through a state agency the policy owner may feel this policy is suspended during that period and it is not I was wondering if you could pass this information on to the policy owner I received the portal access I will have our response in the portal by September 6, Sincerely, Richard H *** Customer Service Associate III MONY Life Insurance Company

Misdirected MailDear Mr. [redacted]Thank you for taking the time to notify us that you received another policyholders'statement. It was a pleasure speaking with you. We appreciate your patience in thismatter.Please be assured feedback has been provided regarding this processing oversight toprevent any...

re-occurrence. We notified our other policyholder of this situation andadvised him you assisted in letting us know. Your concerns were escalated to ourmanager for review.As a matter of record, we must notify you that the information relative to the otherpolicyholder was confidential and was only for the use of the individual named in thatcorrespondence. As you were not the intended recipient, you are prohibited fromdistributing, forwarding, copying, or using this information in anyway.We apologize for any inconvenience or concern this has caused. Should you have anyquestions regarding this letter, please contact our Customer Service Representatives at(800) 487-6669, Monday - Thursday between the hours of8:00 AM and 7:00PM ET,and Friday until 5:00PM ET.Sincerely,Linda [redacted]Senior Specialistcc: Agency 1[redacted]

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 company MONY failed on many parts they are as follows:  1. They did not keep the me, the policy owner up to date with regards to who is the agent with whom I was to correspond. Therefore there was no follow up after the sale except to draft the amount they wanted and was projected in 1994. There projections in 1994 were woefully in error as to the costs of insurance and the projections for income vs need to sustain the policy. We end up holding on to a policy that is robbing our future.  2. The projections were not enough to sustain the policy and they knew this for years and did not communicate with us to know of the status of our account. But instead they took as much as they could, based upon our agreement for 70.00 all the while knowing that as we aged our policy would lapse if kept at that level. There were no honest attempts to connect with us.  3. The phone numbers on the letters we were sent went to non-working numbers in Richmond. So we couldn't even get someone to talk to us. No one contacted us until it was too late to change. Now at 65 I am too old to be able to afford getting another policy to protect my family.  4. It appears now that as we have aged they are demanding more from us than what we can afford and that is age discrimination. They should have contacted us about the policy prior to us having to go on social security. As it stands now for us to keep up a policy that was, according to the sales person, be able pay for itself, we now have to pay 25% of our social security for their policy.   Do you see what we are facing and is there something you can do to protect others that are going to be facing the same issues. How many other senior citizens are they going to push out with the sale of theses [redacted] life policies, and how many others face more difficulty because of lack of follow-up by this company. When they sold us this policy the agent was constantly connecting with me. After they sold it no one has followed up except to say you have a lapsed policy. Is there any justice in NY SCC.  Regards,  [redacted]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.  Regards,   [redacted]

I am sending you this email in reference to the complaint ID [redacted] filed with the Revdex.com.  In gathering the information I noticed the policy is in its grace period and about to lapse (payment is due in our office by September 10, 2017).  The policy owner received a notice from us...

dated August 15, 2017.   I have run into situations like this in the past, when a complaint is filed through a state agency the policy owner may feel this policy is suspended during that period and it is not.  I was wondering if you could pass this information on to the policy owner.  I received the portal access.  I will have our response in the portal by September 6, 2017.   Sincerely, Richard H [redacted]  Customer Service Associate III  MONY Life Insurance Company

Attached is our response with supporting documents titled Exhibits to the complaint submitted by Mr. [redacted] (Your Dept. File # [redacted]).  Exhibit 1 is a copy of the policy at issue (there are blank pages which is the result of uploading the policy pages as a two sided document - the blank pages were intentionally copied in creating the pdf file), Exhibit 2 is a copy of the policy history and   I have combined Exhibits 3-5 in one attachment however each Exhibit has a title page.  Please let me know if I can be of further assistance. Sincerely,  Richard H [redacted]