ReliaStar Life Insurance Company

I am rejecting this response because:The company stated they assumed my father's death preceded the death of my grandfatherNo where in the court documents does it mention anything about what date it was presumed my father had diedAll the court documents state is my father was declared dead on the date the judge signed the paper and declared me the heirThis was roughly eleven months after the death of my grandfatherThe company can make all of the assumptions they wish, but their assumptions are not based on proofThe only proof provided are those of the legal court documents in which my father was declared dead AFTER the death of my grandfather

Initial Business Response / [redacted] (1000, 5, 2015/04/23) */ ReliaStar Life Insurance Company ("Company") received your April 13, request to respond to Ms***'s concerns with a check that she states she received from ReliaStar and her overdrawn accountMs [redacted] did not provide documentation with her request, however, we do not find that she is a customer of the Company or that we sent her a checkWe are also responding directly to Ms [redacted] under separate cover Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/04/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) They sent me a check and I should be re-paid and if they did not send it then they have a breech somewhere that need to be looked in to I have attached a copy of the check as well as the envelope it came in Final Business Response / [redacted] (4000, 9, 2015/05/04) */ Dear Mr***: The Company responded to Ms [redacted] on April 23, We have no record of receiving any returned mailHowever, in an effort to assist, we mailed her another response and included a copy of our April 23rd correspondenceIt was mailed via UPS overnight delivery todaytoday Regards, [redacted] Manager, US Compliance, Complaint Resolution Department

The Company has reviewed Ms [redacted] concerns and determined that the benefit she recently received was paid correctly A letter explaining the benefit was mailed to Ms [redacted] in May Based on our findings no further benefit is due The Company will follow up with Ms [redacted] in writing regarding our findings

Initial Business Response /* (1000, 12, 2015/09/02) */
Dear Mr***:
The Compliance Department at ReliaStar Life Insurance Company (the "Company") received your August 28, request to respond to Mr***'s concerns with his life insurance policies
Mr*** purchased term life
insurance policies with a Return of Premium ("ROP") provisionThe ROP provision states that the Company will refund a portion of the cumulative total premium received, minus any rider benefits paid, if a policy is surrendered after the end of the fifth policy year
Records reflect that Mr*** contacted the Company on July 7, and requested forms to process a policy loanUnfortunately, the Company did not advise him that there is no loan provision and sent him Policy Loan RequestsThey were returned the same day and the Company notified him on July 10, that there is no loan value
Shortly thereafter, on August 3, 2015, Mr*** submitted Surrender Applications for each policyThe surrenders were processed and the Company refunded the portion of the cumulative premiums paid to each policy and as outlined in the ROP provisionA check for $(***) and a check for $(***) were mailed to Mr***Both checks have been negotiated
We sincerely apologize for the frustration this matter caused and appreciate the opportunity to respondShould you have any further questions, please do not hesitate to contact our office at (612)***

Initial Business Response /* (1000, 11, 2015/11/10) */
Dear MsKeate:
This letter is in response to your October 27, correspondence sent to ReliaStar Life Insurance Company on behalf of *** ***We have reached out to Mr*** and we working with him to obtain the necessary
information for his claim
We appreciate the opportunity to respond to your inquiry and trust that you find this information helpfulIf you have any questions regarding the information in this letter, please feel free to contact me at (XXX)XXX-XXXX
Sincerely,
Bradley *** FLMI, ACS, AIRC
Compliance Analyst, Complaint Resolution Team
Initial Consumer Rebuttal /* (2000, 13, 2015/11/19) */
Consumer indicated that he accepted the business response

Initial Business Response /* (1000, 5, 2015/12/10) */
RE: Revdex.com Case Number [redacted]
Complainant: [redacted]

Dear Sir or Madam:
This letter is submitted in response to your December 1, 2015 correspondence to the Compliance Department at ReliaStar Life Insurance Company...

(the "Company") relating to the above matter.
Regrettably, the Company had previously changed the address of record to Ms. [redacted]'s address when we received return mail from our annuity contract holder. Thus, due to this inadvertent error, Ms. [redacted] has been receiving correspondence from the Company in error. We offer or sincere apology to Ms. [redacted] regarding the frustration and inconvenience this matter has caused her.
Subsequent to her complaint to the Revdex.com, one of our service representatives had an additional conversation with Ms. [redacted], who kindly provided our office with enough information for us to ascertain that that she is not our client. As a result, we have updated our records and Ms. [redacted] will no longer receive communications from ReliaStar Life Insurance Company.
Because Ms. [redacted] is not our client, in order to protect the privacy of our contract holder, we must decline to provide any private communication or records relating to this annuity.
I trust this information is sufficient for your review. Should you have questions or require additional information or documentation, please feel free to contact me at [redacted].
Sincerely,
Lauren [redacted], AIRC, ACS
Senior Compliance Analyst, Complaint Resolution Team

I am rejecting this response because:The company stated they assumed my father's death preceded the death of my grandfather. No where in the court documents does it mention anything about what date it was presumed my father had died. All the court documents state is my father was declared dead on the date the judge signed the paper and declared me the heir. This was roughly eleven months after the death of my grandfather. The company can make all of the assumptions they wish, but their assumptions are not based on proof. The only proof provided are those of the legal court documents in which my father was declared dead AFTER the death of my grandfather.

This is in response to #[redacted].   We have reviewed the policy and claim file in question and have determined that the claim was appropriately paid.   The beneficiary designation under the policy states:   “(name redacted), wife of applicant if living; otherwise the children...

born of the marriage of, or adopted by, the applicant and said wife, or the survivors.”   A sworn affidavit of surviving children was initially provided and included the name of the complainant’s father.  Subsequently court documents were provided by the complainant indicating his father has been missing since 1996. On November 3, 2015 an application to Determine Heirship due to presumed death was filed; which was granted March 4, 2016.      Given the period of time a person must be missing before being declared deceased, his death would be presumed as predeceased to the Insured’s death of March 29, 2015.   As a result, in accordance with the policy’s beneficiary designation, the proceeds which would have been payable to the complaint’s father if he were living, was distributed among the surviving children.   We appreciate the opportunity to respond.

This is in response to the additional comments on January 2, 2017 regarding #[redacted].   It is the Company’s position that the claim proceeds relating to this referenced matter have been appropriately disbursed to the surviving beneficiaries of the insured.  As explained in more detail below the Company reaffirms its determination that the complainant’s father’s death is presumed as predeceased to the Insured’s death in March 2015.     The Company received a copy of the Judgment Declaring Heirship – Estate of (redacted) together with a Statement of Evidence, filed November 3, 2015 and signed by a Judge on March 4, 2016. The Statement of Evidence indicates that upon completion of an investigation by the attorney ad litem, “she was satisfied that the Decedent has not been heard from since 2001”.  Under applicable Texas law, an individual is presumed dead if absent for seven years or longer. (See Tex. Civ. Prac. & Rem. Code § 133.001 and Tex. Prop. Code § 71.002)   Given the Company’s interpretation of applicable law, and taken into consideration with the fact that the complainant’s father has been missing since 1996 per the complainant, and/or has not been seen since at least 2001 per the attorney ad litem, the complainant’s father is presumed to have predeceased the insured and the full death benefit has been distributed to the remaining surviving beneficiaries.    There are no further benefits payable under this life insurance policy and the Company considers its obligations under the policy satisfied.

The Company has reviewed Ms. [redacted] concerns and determined that the benefit she recently received was paid correctly.  A letter explaining the benefit was mailed to Ms. [redacted] in May 2016.  Based on our findings no further benefit is due.  The Company will follow up with Ms. [redacted] in...

writing regarding our findings.

Initial Business Response /* (1000, 5, 2015/04/23) */
ReliaStar Life Insurance Company ("Company") received your April 13, 2015 request to respond to Ms. [redacted]'s concerns with a check that she states she received from ReliaStar and her overdrawn account. Ms. [redacted] did not provide documentation...

with her request, however, we do not find that she is a customer of the Company or that we sent her a check. We are also responding directly to Ms. [redacted] under separate cover.
Initial Consumer Rebuttal /* (3000, 7, 2015/04/24) */
(The consumer indicated he/she DID NOT accept the response from the business.)
They sent me a check and I should be re-paid and if they did not send it then they have a breech somewhere that need to be looked in to I have attached a copy of the check as well as the envelope it came in
Final Business Response /* (4000, 9, 2015/05/04) */
Dear Mr. [redacted]:
The Company responded to Ms. [redacted] on April 23, 2015. We have no record of receiving any returned mail. However, in an effort to assist, we mailed her another response and included a copy of our April 23rd correspondence. It was mailed via UPS overnight delivery today. today.
Regards,
[redacted]
Manager, US Compliance, Complaint Resolution Department

Initial Business Response /* (1000, 5, 2015/12/18) */
Dear Mr. [redacted]:
The Company must follow strict guidelines before terminating a TSA 403(b) contract. Because we had not received all of the required information from the new vendor, the Company was not able to process the exchange. However,...

the Company contacted the new vendor on December 15, 2015 and received the rest of the information to process the exchange. The transaction was processed yesterday and a check should go out no later than Monday, December 21, 2015.
Regards,
Margaret [redacted]
Manager, US Compliance, Complaint Resolution Team