Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:10/28/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I called and spoke with Agent ******** ***** who quoted me a premium based on a medical survey, age, etc of $79 (which was already high based on my age). She said there would be a chance this could go down if I complete a medical exam (which I did that weekend) and submit more medical documentation. I agreed to this premium. With no call or email, I was then charged a premium of $150 and was told this would be my new premium for my plan after they mailed me a plan. I did NOT agree to this premium. I called / emailed repeatedly and received no response from teh agents assigned to me. Finally, I got ahold of someone and they said my underwriting would be finalized by 10/11 with the new medical exam / doctor's records. I checked in nearly every day and said there was still no update. I only have 30 days to cancel the policy that went active on 9/30, so today (10/28), I cancelled the policy because my premium was not updated. To make things even more scummy, I repeatedly told them I was pregnant (currently 40+1 weeks pregnant), so I needed things sorted ASAP because I would soon be going into labor. They baited and switched me and tried to take advantage of a very pregnant woman.

  

  Business Response

  Date: 11/11/2024

  Good evening!

  Please see the attached.

  Customer Answer

  Date: 11/11/2024

   
  Complaint: 22483379
  
  I am rejecting this response because they say they need more time to provide me with a real response. I will wait the 7 days they said it would take. 
  
  Sincerely,
  
  ******** ******

  

  Business Response

  Date: 11/12/2024

  Please see the attached. 

  Customer Answer

  Date: 11/12/2024

   
  Complaint: 22483379
  
  I am rejecting this response because I want to make it clear - I received one message that said the rate was changed and wasnt told the amount or that it was an increase. I then received an email that my plan went through at the higher rate. I tried calling the agent and many others at this time and no one responded and could help me. I was 38 weeks pregnant at this time and called and emailed every week. This felt extremely predatory given my vulnerable state. 
  

  I would also like to make it clear that I was not issued a refund as of a few days ago and had to initiate a chargeback through my bank. 
  

  I would like to understand how this mistake happened and that if its standard practice to say one rate and then initiate a plan than is almost double that rate. How is that legal?
  
  Sincerely,
  
  ******** ******

• Initial Complaint

  Date:10/23/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company call me after I fill some information out online about an inquiry of home insurance to pay for your house to protect my loves ones. I spoke to a customer service *** he asks me some information which I tough should never be ask so I decide I dint want to do any business with them this for insurance know I received a letter dined me life insurance I need this remove because I did ask him for any policy in concrete.

  

  Business Response

  Date: 11/13/2024

  Please see attached.

• Initial Complaint

  Date:10/08/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  March 11th 2023 I called Fidelity life association for a quote the way my quote was put together the representative needed all of my detailed information to send my quote in the mail so I could look it over and decide if I wanted to move forward in which I didn't so I simply did not sign to move forward. I have noticed Fidelity life association has been drafting two monthly payments out of mine and my husband's credit card account of $61.16 x 2 = $122.32 monthly since March 12th 2023. I have called Fidelity life to let them know of this issue I have spoke with multiple people with their company the first conversation the representative by the name of **** stated these issues have been occurring from quotes being given over the phone, he said to email the service team and they will take care of it. The second ****** I've spoke with by the name of MJ the conversation was confusing due to interference of an echo through the phone he emailed me a cancellation request form that the fine print was cut off of and the form is in sections which I don't find appropriate. The third ****** I spoke with by the name of ******** resent the form with the fine print however the form is still set up inappropriately for a request, being that it is in sections the third section is marked signatures which appears that it could be used anywhere. They do not have mine or my husband's signature on file because we never signed anything to create policies, I don't feel comfortable signing a form to cancel something that I never signed to begin with. The lady that I spoke with did explain that they do not have signatures on file so she is not sure how the drafts were able to come out of our credit card account. She also stated the policies were set up strange that there isn't even a start date for the one in my name which ends in 547. I would like for the company to refund the money that they took out of my account and I have not and do not agree to do business with them.

  

  Business Response

  Date: 10/16/2024

  Good afternoon,

  Please see the attached response. A letter with our determination has been mailed out directly to the Policy Owners.

  Sincerely,

  Policy Administration

  Customer Answer

  Date: 10/16/2024

   
  Complaint: 22396148
  
  I am rejecting this response because: I have not spoken with anyone directly resolving the issues. Please provide proof of the resolution. 
  
  Sincerely,
  
  ******* *******

  

  Business Response

  Date: 10/24/2024

  Good afternoon,

  The attached letter was mailed and should now have been received.

  Thank you,

  Policy Administration

  Customer Answer

  Date: 10/24/2024

   
  Complaint: 22396148
  
  I am rejecting this response because: I'm not sure what a voice signature is but I don't agree that it would be appropriate for a life insurance policy. I do agree that I received a quote regarding a policy over the phone, that if I chose to move forward with the policies after reviewing them in writing then I could have signed in writing. Also, my husband could review the policies in writing and had the choice to move forward if he chose to by signing in writing.  however, neither of us chose to move forward with the quote that I received over the phone. therefore, we did not sign any documents. The phone calls that you have included in your response are not all the phone calls that I have referenced in my concern. I'm wondering why you did not review my phone call with the representative by the name of ******** on October 7th 2024 we spoke at 3:30 p.m. for 14 minutes and 59 seconds she stated she could not find any signatures at all for either policy, and there was not a start date for one of the policies. she then re-sent me the request for cancellation form that does not have the boxes cut off. So you can see all of the print in this multi section document. it is concerning that your requesting that I sign a cancellation form in which you can move the signature boxes around to cut off separate sections. I don't find it appropriate to sign a form to cancel policies that I have never signed to start. I also am not comfortable with signing a form that has been broke up into sections for example, section 1: policy information, section 2: cancellation, section 3: signatures. I have attached these documents/ request for cancellation forms.** sent me the one on 10/7/2024 thar had the signature section overlapping policy information. I also included the form that ********, the representative that I spoke to on the same day 10/7/2024 which is still broke up in three sections. I do not feel comfortable signing a cancellation request for policies that I only received a quote over the phone for that I never signed in the first place. 
  
  Sincerely,
  
  ******* *******

• Initial Complaint

  Date:09/24/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  POLICY# ********** I HAVE DIVORCED AND MY LEGAL NAME IS NOW " ******** M. ******* " AS OF TODAY, I HAVE BEEN TRYING FOR 2 WEEKS TO GET MY LEGAL NAME CHANGED ON MY POLICY FROM "******" TO "*******". EVERY TIME I CALL, I'M TOLD DIFFERENT INFORMATION. I HAVE PROVIDED SEVERAL TIMES, MY DECREE, A DRIVER'S LICENSE, EVERYTHING THAT WAS REQUESTED. I CALLED TODAY 9/24/2024 AND WAS TOLD THAT MY DOCUMENTS WERENT SCANNED IN WHATEVER THAT MEANS. A NAME CHANGE SHOULD NOT BE THIS DIFFICULT AND I DO NOT HAVE THE TIME TO CALL EVERYDAY TO CHECK ON WHETHER IT'S BEEN UPDATED.

  

  Business Response

  Date: 10/07/2024

  Please see the attached response.
  Thanks,
  Policy Administration

• Initial Complaint

  Date:09/17/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On June 24, 2024, I spoke to an insurance agent, ***** ******, who apparently works for Fidelity Life; on this day he gave me a very very expensive quote on a ************** policy for $25,000. I explained that I would not be interested in a policy with such a high premium payment; however, ** ****** took all the pertinent information he needed and requested a payment method. I told him that I could give him my debit card number, in case I decided to go along with this policy and the extremely high premium payments. He told me just to contact him or someone at Fidelity Life by July 24, 2024 to make sure that the policy wasn't written and that my debit card was not charged. Unfortunately, I agreed with that plan not realizing that ** ****** would write a fraudulent policy and enact the fraudulent payments! On July 19, 2024, I started calling ** ****** and also, Fidelity Life to make sure that this policy and payment never occurred. I left at least, three voice-mail messages for ** ****** and I spoke with Fidelity Life. They said all I needed to do is to fill out their application for cancelation and get it returned to them promptly. I had an email sent to me with the application that needed returned. I completed the form and tried to email it to Fidelity Life. I spent three weeks, and over a dozen email trying to cancel this policy. On July 24, 2024, my debit card was charged $169.02 and I never got any response from Fidelity Life until August 26, ********************************************************************************** for my payment!!!! Bullshit!!!! Bullshit!!! Bullshit!!! This is not how business should be conducted!!! I continue to this day, trying to contact someone at Fidelity Life to refund my payment. I never asked for this ************** policy!! I never authorized this policy to be written!!! And I certainly never approved any payment whatsoever!!! GET MY MONEY BACK NOW!!!!!!

  

  Business Response

  Date: 10/07/2024

  Please see the attached response.

  Thanks,

  Policy Administration

  Customer Answer

  Date: 10/07/2024

   
  Complaint: 22296196
  
  I am rejecting this response because:

  I need my money refunded to me NOW!!!  I never asked for or authorized this policy to be written; therefore, I am entitled to a COMPLETE REFUND of $169.02!!!
  
  Sincerely,
  
  Lisa Dillion

  

  Business Response

  Date: 10/08/2024

  Dear Ms. Dillion,

  In response to the BBB’s correspondence, a review of your calls with your agent was performed. It was found that you requested cancellation before the first premium drafted. Accordingly, a refund of $169.02, representing all premiums paid, will be issued under separate cover. The agent will undergo additional coaching to ensure that proper procedures are followed moving forward and this mistake does not reoccur. We apologize for any inconvenience you have experienced.

  You should also receive a copy of this response in the mail.

  Sincerely,

  Policy Administration

• Initial Complaint

  Date:09/06/2024

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 8/8/24 I purchased a term life insurance policy from Fidelity Life over the phone. On 8/16/24 I received, through the mail, documents for an accidental death policy. I immediately emailed the agent asking about the disc***ancy. I waited a few hours for him to respond, then called customer service when he did not. The *** on the phone said the policy would be canceled and I'd be refunded, and that I just needed to send an email to some company address requesting it.I sent the email the same day and got an auto-response that my message would be answered in the order it was received. Then today 9/6/24, I got a letter saying that the policy is moving from automatic monthly bank draft to quarterly self pay. I'm obviously not going to pay, which I'm sure they'll use as a reason to cancel the policy and not return my funds.I am seeking cancellation of the accidental death insurance policy AND a full refund.

  

  Business Response

  Date: 09/26/2024

  Please see the attached responses

  

  Business Response

  Date: 09/26/2024

  Please see the attached response that the consumer will receive.

  Customer Answer

  Date: 09/26/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ******* ********

• Initial Complaint

  Date:08/25/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Right now I'm dealing with identity theft, and some of my email are being hacked and now compromised. The reason for my complaint is this company is allowing the hacker to open an account in my name and I never applied. I feel like a company well known as this one should have better than technique when dealing with someones identity. The email address that's being hacked is : ********************** I'm almost certain on who it is that's doing all this hacking, someone real close to.

  

  Business Response

  Date: 09/09/2024

  Please see the attached letters.

  Thank you,

  Policy Administration

• Initial Complaint

  Date:08/11/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Im receiving a ton of junk emails and it started a few weeks ago. One sender emails multiple junk (absolute nonsense) showing this in the email headers:smtp.mailfrom=caleffionline.com; dkim=none (message not signed This example claims to be about Fidelity Life products.The unsubscribe link (for this junk I never subscribed to) is to a short url: *********************** And that redirects to a website called:***************************************** Hosted at 23.229.17.46 : *********************** And that redirects to ************************************************************************ ************** : ******************** What is seedleafitem.com, and why do I need to enter my email address into its form to stop junk For your business that I never req? Or is this nothing to do with Fidelity? If it is Fidelity related, please supply the name and contact info for the organization central to this spam. I need to contact them to end this and not just for the Fidelity ads.Subject line of spam: Tis the Season! $250K as low as $15/mo, Protection for Your Family The actual ads link in the email:*********************** Redirects to ************************************************** Then to ****************************************************************************************************************** I assume the details above allow your marketing team to confirm who is behind this and other nuisance emails they are sending.sender IP is ************* smtp.mailfrom=caleffionline.com 52.101.73.15 : ******************* receiver=protection.outlook.com; client-ip=*************; helo=fvlbfkotuhn.connectedwomenofinfluence.com; pr=M Received: from fvlbfkotuhn.connectedwomenofinfluence.com (*************)connectedwomenofinfluence.com???Thanks

  

  Business Response

  Date: 08/24/2024

  Please see the attached responses.

  Thank you,

  Policy Administration

  Customer Answer

  Date: 08/26/2024

   
  Complaint: 22126324
  
  I am rejecting this response because while Im happy you have requested the affiliate service to stop sending me junk emails, I specifically requested to know the business behind it.
  

  For example, I said the unsubscribe process required me to enter my email address into a field on a website seedleafitem.com and that site has *no information* about who they are. They send a lot of junk and I complain and report but it continues.

  I ask the same question again because I want it ALL to stop. Not just Fidelity Life Association emails. I need to know who the affiliate group is.

  Please answer that question and then we can close this.

  Sincerely,
  
  *****************

  

  Business Response

  Date: 09/03/2024

  Good afternoon, Mr. ****************** have checked with our ******************** and apparently we have multiple affiliate advertising relationships, of which are too many to mention. Therefore, we have placed your email address on a global opt out list, which will prevent emails being sent from all of our partners in the future. Please note that they also have up to 10 business days to remove your information from any existing lists they may have. We apologize for the inconvenience this has caused.

  Sincerely,

  Policy Administration

  Fidelity Life Association

  Customer Answer

  Date: 09/03/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *****************

  Customer Answer

  Date: 09/05/2024

   
  Complaint: 22126324
  
  I am rejecting this response because:
  Hi, thanks for offering to add me to a list to stop the marketing emails. I am rejecting this as the solution though, for the following reason:
  
  I asked you to tell me who the sender of the marketing emails was. You said you have too many affiliates to be able to do that. I appreciate you will have many affiliates, however you can identify the organization responsible for this. You have to be able to do that, in order to pay them for their services!
  
  The identifier for you to do this is in the information I provided in the complaint, specifically below, in the website URL (link) that is unique to me and the affiliate marketing service you are using:
  
  ******************************************************************************************************************************************
  
  If it is not possible to identify the marketing company from that detail above, then it would not be possible to pay the marketing business. At that point it would not be worth them sending marketing emails to people like me at all!
  
  I would like to know the business identity who is being paid to send these emails. I need to contact them directly. I should not have to contact individual businesses like you to complain about each individual spam email these people are sending. Last year I received a $50 gift card from a credit card company because of this issue.
  
  Im not asking you for a $50 gift card, and I accepted their offer of one as recompense for my time dealing with just that one business marketing spam. Its from the same source as yours though. My complaint is that Id like to know who it is.
  
  Regards
  *****************
  

  

  Business Response

  Date: 09/13/2024

  Dear Mr. ********************** be advised that our vendor lists are proprietary information, however, we can assure you that your email address has been added to our (Fidelity Life's) opt-out list; therefore, you should no longer be receiving email solicitations from us.

  Sincerely,

  Policy Administration

  Fidelity Life Association

  Customer Answer

  Date: 09/18/2024

   
  Complaint: 22126324
  
  I am rejecting this response because:

  This business is one of multiple that is being promoted by an affiliate marketing scheme that is inappropriate and is sending Spam Emails (per CANSPAM act)

  The explanation for why I cannot be provided with the identity of the company responsible has changed. Originally they stated that they could not identify the source. That was not true, and presented with that fact they are now hiding behind confidentiality.

  I cannot appreciate why a business that presumably aims to have consumer trust is willing to risk this by publicly refusing to release the requested information.
  

  Unfortunately, its very clear that your business has no shame. Please refer back to my email of 12/11/21 to **** subject line Disturbingly shady marketing practices for Fidelity Investments - details without personal information or ****s address are below. I only just remembered this happened before, or I would have included it in the complaint at the start. If by any chance you change your mind about taking this more seriously than simply adding me to another do not email list, then I will be happy to see if I have more information about it. For now I will assume your business is as much a scam one as your marketing provider is.

  ======
  

  ****,
  
  
  Whomever you use to promote Fidelity Life by email is now sending me scantily clad Asian women pictures promoting some dating service. The email is structured like yesterdays email, around content for a government entity (trying to evade spam filters no doubt). Im reporting it in full. Id like to know who you are using for this service so I can pursue to the fullest extent. All very similar to the email promotion of your brand and financial services, even down to the multiple websites used to obfuscate their identity (astrazenega.co.uk again for example)
  
  
  Thank you
  Mr ********
  
  On Dec 10, 2021, at 18:51, ********** <**************************> wrote:
  
  
  ?*****************, 
  
  
  Ive copied you on a spam report from SpamCop.net.
  
  
  Ive had so much junk from whomever you are using for marketing over the last few years. They are extremely deceptive and hide their identity, making it very difficult to blanket remove oneself from all their spam. I firmly believe I have never signed up for it.
  
  
  Details below. Id really like to know who they are so I can get off all the lists they/someone added me to.
  
  
  Regards
  Mr ********
  
  Fidelity Investments spam, sent by a prolific spammer. A very serious blight on Fidelitys brand given that this is paid for. I am a Fidelity customer and I am sick of getting this junk from their marketing vendor (***************************************************) I can provide actual email examples.
  
  Spamvertized site:
  *************************;(removed long #string)
  The site did.li is in an Arabic language. Being used as a redirect to ************************************ is a templated basic site install. This spammer does this all the time. It is another redirect hop for their spam. Host provider hidden by ********** forwarding IP 104.21.1.220
  astrazenega.co.uk domain registrar is Namecheap (they are used by this spammer for many of their domains)
  
  Spam image content delivery using imagebam.com:
  One of these will be an address to write to for unsubscribing and it will be a Box number with no name or business name
  ***************************************************
  ***************************************************
  This spammer used to use Imgur.com but they delete reported spam content I send them very rapidly and they have switched from using Imgur.com (against their terms of service) - I can provide you with contacts there who will verify this.
  
  Images hosted at 
  103.252.221.31 : *********************
  
  

  Sincerely,
  
  *****************

• Initial Complaint

  Date:08/05/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was given the terms of my life insurance, and it covered literally nothing, so I called them and told them I would decline to get a policy through them. Well, yesterday they charged me for 2 years of payments; they didnt even include the annual payment discount, so just ***** times, making the total $599.79 with me explicitly, even calling personally to deny coverage, and they instead charged me for 2 years all at once, and now I cant pay my portion of the rent and will have to pay $150 in late fees. I can either be refunded or I can file an official complaint with the ***** I figured (only because the guy on the phone was very helpful and not the one who charged me) that Id give the ********************** a chance to make it right before any official complaints create fines on top of having to pay it back.

  

  Business Response

  Date: 08/15/2024

  Good afternoon,

  Please see the attached response. Policyowner's response letter was mailed out today.

  Thank you,

  Policy Administration

• Initial Complaint

  Date:06/07/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My actual complaint is that I purchased a policy in September last year 2023..However i wanted something slightly better and called to buy a new one and asked to have the old one canceled, but i realized today that the old one was never canceled, and you were being charged for both of them ..I asked they cancel and get me a refund they said they can cancel but wont refund me and this is no fault of mine.. they made a mistake

  

  Business Response

  Date: 06/18/2024

  Please see the attached response. A letter was mailed out directly to the Policy Owner, today.

  Regards,

  Policy Administration