I have two life insurance policies for grandchildren and according to my paperwork the premiums

were paid for a year until Oct. 2012.

Now I get a notice about a loan payment on both. I place 5 phone calls to see about this and could not get to a live representative and none of the options fit. Waiting on line did not work - the line just went dead. Not happy about this notice.

I do not see any explaination as to why I received this load notice. the amount it says to pay doesn't give me a clue about the balance claiming to be needed.

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