National Western Life Insurance Company

Revdex.com: 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]

Complaint: [redacted] I am rejecting this response because: I did NOT receive the notice days prior - only days prior and I mailed it days before the due date so they should have received it on time Next time I will fax Regards, [redacted]

Please find attached letter for your review The email was sent to Ms [redacted] after she sent communication to me Please remove [redacted] from your list as she is no longer here Please add [redacted] for future reference and send to both J Payne and myself Thank you We are in receipt of your letter to the Revdex.com regarding the policy referenced aboveI appreciate the opportunity to address you concerns I appreciate you speaking with me October 9, regarding the Death Certificates and changing the ownership of this policyI apologize that we did not receive you initial letter with copies of the Death Certificates of your father and mother and I appreciate you e-mailing those certificates to me since the ones that were faxed were illegible According to records and the policy provisions, after proof of death for your parents the policy automatically goes to youTherefore, we will change the ownership as of the date of this letterYou will receive the following correspondence: 1) proof of Change of Ownership of the policy to you, a Beneficiary Change form, a W-from for verification of your Social Security number, and a Certificate of Insurance which will show information about the policy such as the cash value This Traditional Whole Life policy is yours to do with as you pleaseYou can leave it with National Western until it matures on October 28, at your age of At that time you would receive the Death Benefit in the amount of $2,or you can surrender the policy for the cash value it has builtI refer you to the Certificate of Insurance for the amount Ms [redacted] -***, I apologize for the inconvenience this has caused and will work with you to get this resolvedIf you have additional questions once you have received the paperwork referenced above, please feel free to contact me at ###-###-#### and I will be happy to assist you Cordially, [redacted]

March 16, [redacted] ***Subject: Policy No [redacted] Insured: [redacted] Dear [redacted] :My letter to the RevDex.com of March 11, did not state that the form was received thirty (30) days prior, but mailed thirty (30) days prior to when it was due.We do apologize that we were not able to process your option change as requestedWe would appreciate you faxing the Interest Election Notice next year so that we may get it processed for you in a timely fashion.Since we cannot always predict the United States Postal Services delivery, and weather may factor into delivery of the mail, it is advisable to send your option change via facsimile each year National Western Life has made available the faxing of as many forms as possible to eliminate this problem.We sincerely appreciate your business and apologize again for the problem you have incurredIf you have any further questions or need assistance, please contact our Client Services Department at **###-###-####.Cordially, [redacted] ***Client Services Annuity Departmentcc: Complaint File [redacted]

On March 11, a call was placed to *** ***. I explained that due to a note on a required form we thought she did not want her RMD. She explained that she was told she didn't need request her RMD by one of our call center representatives. We have rectified the
situation by processing her RMD sending her a check along with her 1099-R form via overnight mail today as she requested. Please see attached letter and documents showing what was sent to the policyholder.Additionally, I explained the phone problems we had the day she called, reported the phone issue to management and gave her my direct line in case this should happen again. The phone situation is being addressed and corrected.We apologize for the misunderstanding and the inconvenience that *** *** experienced. I believe this complaint has been resolved

Complaint: [redacted]
I am rejecting this response because: I did NOT receive the notice 30 days prior - only 20 days prior and I mailed it 8 days before the due date so they should have received it on time.  Next time I will fax
Regards,
[redacted]

March 11, 2015BETTER
BUSNINESS BUREAU ATTN: [redacted]
[redacted]Subject:          Revdex.com
ID:         [redacted]Policy No.      ...

[redacted]Insured:           [redacted]Dear [redacted]:Thank you for your email of March 3, 3015 to
[redacted] regarding the policy referenced above. It has been referred to me
for reply.Our records indicate that [redacted] had ample time to return
his Interest Election Notice. The policy notices are sent out each year thirty
(30) days in advance of when they are due. The forms may be mailed or faxed
back to us giving each policyholder ample time to look over the previous
elections and make a decision. If new interest option percentages are elected
then the form must be sent back no later than five (5) business days before the
policy anniversary. I have enclosed a copy of the interest election notice that
was received which shows the following information:1. Date Election Notice was sent January 27, 2015.2.Please note the box in the upper right hand area, which explains that we must have the notice at least five (5) business days before the anniversary date and to expedite the request it may be faxed to ###-###-####.3. Please note the date stamped which shows when the election notice was received in our office (February 26, 2015) which was too late for us to process. The Anniversary date of the policy is February 27, 2015. The notice would have to have been received no later than February 19, 2015 for us to be able to process the request for [redacted].We apologize but we are
unable to make the change to the interest option as requested. Receipt of this
form is needed five (5) business days prior to the anniversary date of the
policy, due to the purchase of the hedge funds in the S & P 500® which the
Index Options are based.We would also like to apologize for the wait
time [redacted] incurred while trying to contact us on Monday, March 2, 2015.
Due to the Tax season, our phone lines are extremely busy on Mondays and
Tuesdays. We have added representatives to assist our customer base and if [redacted] had left a call back number, which our system allows, we would have
been happy to call him back the same day.Once again, we apologize for the problems [redacted] encountered. If we had received the Interest request in a timely
fashion we would have been able to make the changes he requested. If you have
any questions or need further assistance, please contact me at ###-###-####
or [redacted] and I will be happy to assist you.Cordially,[redacted]Client Services Annuity Department[redacted]cc:        Complaint
File[redacted]

Please find attached letter for your review.  The email was sent to Ms. [redacted] after she sent communication to me.
Please remove [redacted] from your list as she is no longer here.  Please add [redacted] for future reference and send to both J Payne and...

myself.  Thank you
We are in receipt of your letter to the Revdex.com
regarding the policy referenced above. I appreciate the opportunity to address
you concerns.
I appreciate you speaking with me October 9,
2014 regarding the Death Certificates and changing the ownership of this
policy. I apologize that we did not receive you initial letter with copies of
the Death Certificates of your father and mother and I appreciate you e-mailing
those certificates to me since the ones that were faxed were illegible.
According to records and the policy provisions, after proof of
death for your parents the policy automatically goes to you. Therefore, we will
change the ownership as of the date of this letter. You will receive the
following correspondence: 1) proof of Change of Ownership of the policy to you,
a Beneficiary Change form, a W-9 from for verification of your Social Security
number, and a Certificate of Insurance which will show information about the
policy such as the cash value.
This Traditional Whole Life policy is yours to do with as you
please. You can leave it with National Western until it matures on October 28,
2048 at your age of 100. At that time you would receive the Death Benefit in
the amount of $2,465.00 or you can surrender the policy for the cash value it
has built. I refer you to the Certificate of Insurance for the amount.
Ms. [redacted], I apologize for the
inconvenience this has caused and will work with you to get this resolved. If
you have additional questions once you have received the paperwork referenced
above, please feel free to contact me at ###-###-#### and I will be happy to
assist you.
Cordially,
[redacted]
[redacted]
[redacted]

Revdex.com:
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]

March 16, 2015[redacted]
[redacted]Subject:          Policy
No. [redacted]Insured: [redacted]Dear [redacted]:My letter to the RevDex.com of March 11, 2015 did not state that the form was received
thirty (30) days prior, but mailed thirty (30) days prior to
when it was due.We do apologize that we were not able to
process your option change as requested. We would appreciate you faxing the
Interest Election Notice next year so that we may get it processed for you in a
timely fashion.Since we cannot always predict the United
States Postal Services delivery, and weather may factor into delivery of the
mail, it is advisable to send your option change via facsimile each year.
National Western Life has made available the faxing of as many forms as
possible to eliminate this problem.We sincerely appreciate your business and apologize again for
the problem you have incurred. If you have any further questions or need
assistance, please contact our Client Services Department at **###-###-####.Cordially, [redacted]Client Services Annuity Departmentcc:       Complaint File[redacted]