Remke

We regret that [redacted] was upset with the billing statements sent to himHis policy was in danger of lapsing, and the grace period notices were sent as a reminder a payment was needed to continue his policyThe insurance costs for this type of policy increase each policy anniversaryThe premium is flexible on universal life policies, meaning as long as there is cash value in the policy, the premium can be paid at any timeAnnual reports were mailed showing a steady decline of the cash value when sufficient premiums were not being paid into the policyWhen the cash value depleted, [redacted] needed to pay the full premium to continue the coverageHis policy has now lapsed without value [redacted] may apply for reinstatement of his policyunderwriting review will apply

Revdex.com: 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 [To assist us in bringing this matter to a close, we would like to know your view on the matter.] Regards, [redacted] I have spoke to Columbus Life on the phone and they stated to me that their computer automatically takes the money from my accountthey do not have to notify me of this, but she also stated that she did not know if they were braking any laws by doing soI find this a extremely poor way to do business when a simple letter in the mail would have stopped this

We are sorry *** *** *** was not satisfied with our previous response to his Revdex.com complaint
*** *** stated he was never notified of the renewal periodHowever, our records show he was notifiedOn November 12, 2015, he called our company because the initial 10-year term was ending in FebruaryAnd on December 9, 2015, a voicemail was left with him advising the 10-year renewal was coming up and the increased premium would be significantThe policy data pages accurately reflect the increased premium as well
He also stated we did not acknowledge we charged his bank account and caused it to bounceHowever, the draft and bank charges were returned to *** *** when he advised he was not interested in the renewal

Revdex.com:
I have reviewed the response made by Columbus Life/*** *** *** in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.These people do not mine lying to cover their buttsJarrod C*** was the first person I talk with about this problem and he could not explain to me what the rider was at the timeI called a second time and still no clear answerRealizing this man had no clear answer and feeling very upset with this company at this point I requested the forms be sent for me to surrender this policyI had lost my trust with this company was not about to send them a check for $3,and lost respect for some of it's employeesI was told three times that the forms had been submitted to me but I never received one form to surrender my policyThis is when I decided to write the Revdex.com for assistantAfter writing this agency I heard from a man name Mark F* who claim to be the manager of Jarrod C*** and he did and could not explain what the rider on the policy wasHe said he would e-mail me a form to cancel the policy and he didI filled out the form faxed it back to the number he provided in the e-mailI called on Friday 10/16/to see if he received my faxNo responseI called today 10/19/to see if he received my fax and he stated, " Yes, my check was drafted on Friday and mailed to my P.OBox requested and will go out in today's mail, today being 10/19/I later checked my e-mail to see this response from my complaint with the Revdex.com only to see once again these people have lied to cover their backsidesI want to know who sent this reply to the Revdex.com because I hate a liar and especially one I have given my business to for many yearsI have ever intention of holding who ever wrote these lies responsible for themI have not received a check as of yet and until I do and cannot say I am satisfied with this problem, it is still a problemMy next step is the TV news station in their areaEnough already from these lying people
Regards,
*** ***

Columbus Life has
received and satisfied multiple requests from *** *** ** *** to
surrender her policyThe client’s desire to surrender the policy has been the
result of receiving multiple grace notices regarding the No-Lapse Guarantee
Rider (NLG) on the policyColumbus Life has
made every effort to explain to
the client in full detail the NLG grace notice, her option to pay or not to
pay, what to expect with either option chosen, and has also fulfilled each
surrender request received
As a resolution to
this inquiry, management has reached out to the client to send an electronic
surrender form to the client to expedite her requestOnce this form has been
received in good order, Columbus Life will process and surrender the client’s policy
the same business day as procedures indicate

A
Columbus Life Insurance representative has been in contact with *** *** ***On Oct
he spoke with her regarding a surrender form for her policySubsequently, he
emailed the form to *** *** on OctThe form was signed and dated by *** *** on Oct16, and the surrender was processed that same dayThe
surrender check was mailed Octto the business address as requested by *** ***On Oct26, our representative left a voicemail for *** *** to
ensure she received the surrender check, and answer any further questions that
she may have hadOn Octour representative spoke with *** ***, who stated
that she had received her surrender check, and that the issue was resolved

The term policy for *** *** ** *** automatically renewed at the end of the initial 10-year term in February In December 2015, Columbus Life notified *** *** of the upcoming increase and amount that would be charged to his bank accountThe policy data pages accurately reflect the
increased premium as wellThe draft and bank charges were returned to *** *** when he advised he was not interested in the renewalThe policy allows for the automatic renewal or a conversion to new insuranceHowever, *** *** is under no obligation to renew, convert or purchase a new policy

We regret that [redacted] was upset with the
billing statements sent to him. His policy was in danger of lapsing, and
the grace period notices were sent as a reminder a payment was needed to
continue his policy. The insurance costs for this type of policy increase...

each
policy anniversary. The premium is flexible on universal life policies, meaning
as long as there is cash value in the policy, the premium can be paid at any time. Annual
reports were mailed showing a steady decline of the cash value when
sufficient premiums were not being paid into the policy. When the cash
value depleted, [redacted] needed to pay the full premium to continue the
coverage. His policy has now lapsed without value. [redacted] may apply
for reinstatement of his policy. Normal underwriting review will apply.

Revdex.com:
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.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted] .
Their admitted to me on the phone that I was never notified, they should check their own recorded phone lines. They didn't even address the fact that they drained my checking account and caused it to bounce. I can tell by their response that they could care less what they did

Revdex.com:
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.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]
I have spoke to Columbus Life on the phone and they stated to me that their computer automatically takes the money from my account. they do not have to notify me of this, but she also stated that she did not know if they were braking any laws by doing so. I find this a extremely poor way to do business when a simple letter in the mail would have stopped this.