Carol was the customer service representative. While pleasant most of her day is spent probably delivering unpleasant news. Two policies were taken out on my husband, Roy C. Hunkins, Jr. D-O-B 1-22-1944. Like I'm guessing most young men paper work wasn't important. These policies were taken out by his parents one on 3-6-62 the other 3-1-1944 by his parents. HIS PARENTS ARE TURNING OVER IN THEIR GRAVES. Life Ins.companies are really gambling that policies fall by the way side. Premiums are paid by parents (long gone) the companies collect for God only knows how many years. I made an attempt in 2012 to contact your co. Carol even read a response which was NEVER received and the policy lapsed in March of 2014. So insurance companies get rich, the poor get poor get poorer. Thanks a heck of a lot.