Memorial Service Life Insurance Company    Lincoln Memorial Life Insurance Company    National Prearranged Services (NPS) Inc.

FREQUENTLY ASKED QUESTIONS Print friendly Version ORPHAN CONTRACTS     OVERVIEW The SDR has filed an application with the Receivership Court relating to the handling of NPS Preneed contracts which are not associated with, or backed by a Lincoln or Memorial Service annuity or insurance policy. These contracts are often referred to as “Orphan Contracts”. The application addresses in particular the handling of contract payments received since the date of liquidation, September 22, 2008. NOTICES SENT A copy of the application and Exhibit A that lists each orphan contract by the contracting funeral home are posted on the estate website. Copies of the application have been mailed to approximately 6000 orphan contract holders or the estate of deceased individuals, and to the funeral homes that are affected by this application. A high call volume can be expected from individuals and funeral homes. CURRENT STATUS There are approximately 5400 orphan contracts, the majority of which are paid in full. However, approximately 1800 are currently in a paying status. All orphan contract payments made to NPS or the receivership estate since the Liquidation Date of September 22, 2008 have been secured in a separate bank account and are not used in the administration of the receivership estates. Most orphan contracts are held by Missouri residents. At this time Missouri and other state IGA’s are reviewing orphan contracts for potential IGA coverage. To date a number of formerly orphan contracts have been afforded coverage by the Missouri and other state IGA’s. The IGA’s review is an ongoing process. SUMMARY The application, if approved, will: Provide that Orphan Contract holders will be deemed to have timely filed a POC in the NPS receivership estate, That all contract payments made after Liquidation date of 9/22/08 will be deemed secured claims, Authorize the SDR to use the secured funds to pay funeral service providers the lessor of the contract benefits or the amount paid post liquidation upon the death of a orphan contract holder, Afford an orphan contract owner the option to request a return of payments made post liquidation in lieu of receiving contract benefit payments at death and apply all interest earned by the secured funds to each orphan contract on a monthly basis (contract payments will accrue interest post liquidation). All refund requests would require review/approval by the office of the SDR and the Receivership Court prior to issuing a refund. Any refund approved by the SDR and court would include payments made from 9/22/08 forward plus interest accrued thru end of the month preceding the date of refund request. Q. How do I know if I have an “orphan contract”? Attached to the application as Exhibit A is a list of all orphan contracts identified as of 12/31/09. The list is sorted by the contracting funeral home name and state. The list includes each orphan contract identification number. If you think you have an orphan contract you can look for your contract number under the name of the funeral home where you obtained the contract. The application and Exhibit A are posted under the “Legal Docs” tab of the estate website. Q. What has happened to the money I have paid since NPS went into receivership? All orphan contract payments received post-receivership (9/22/2008 and after) are segregated in a separate bank account. Q. What happens to the money I paid in if I get coverage by the Insurance guaranty association of my state? If the affected IGA affords coverage, the funds paid from 9/22/08 forward will be transferred to the IGA. Q. What happens to my money if I never get IGA coverage? The application affords the orphan contract holder two options. The consumer may take no action and all payments made after 9/22/08 plus interest accrued on those funds will be paid to the funeral service provider in accordance with the terms of the contract at the time of need. (see application section 4.1.4(b)) Alternatively, the consumer may request a refund of payments made post liquidation (9/22/08) and upon approval of the SDR and receivership court the consumer will receive all payments made since 9/22/08 plus interest that has accrued on those funds. Upon payment the preneed contract would be terminated and no further benefits available from the estate or IGA. Q. What do I need to do to get a refund? Do not send refund requests at this time. The SDR is not authorized to make refunds. If the court approves the SDR’s application, the orphan contract holders will be provided forms and instructions on how to request a refund of post-liquidation payments and interest. Q. What happens to my contract if I elect to receive a refund? Your preneed funeral contract is terminated and there is no further obligation to any funeral service provider upon the death of the contract owner. Q. Most of my contract was paid for before receivership or my contract was paid in full before receivership (9/22/2008). How do I get my money back? NPS is insolvent and there are no funds available to refund pre-liquidation payments. This application provides that you will automatically have a timely filed POC in the NPS receivership estate. Claims for pre-liquidation payments are class 5 claims. It is not known at this time if there will be sufficient assets to make a distribution to any particular class of claimants. Q. What about death claims for orphan contract owners? Funeral service providers, next of kin or contract assignees may file a claim against the NPS estate for any preneed funeral contract benefits. Such claims will be treated as class 5 creditor claims. A funeral service provider must file a POC to protect any rights they have relating to orphan contracts. Q. When will the application be approved? The application is set for submission to the court on 1/18/10. There is no deadline for court approval or disapproval and no hearing date has been set by the court. You can check the estate website under the “Legal Docs” tab for updates. Updates will also be posted on the homepage or opening page of the website. If the application is approved by the receivership court all orphan contract holders will receive written notice and instructions. No action is required at this time. Do not send refund requests at this time. The SDR is not authorized to make refunds. Service provider should continue to submit claims.            GENERAL     Q. What is the current Status of the Companies? The Texas Department of Insurance (“TDI”) placed Lincoln Memorial Life Insurance Company (“Lincoln Memorial”), Memorial Service Life Insurance Company (“Memorial Service”), and National Prearranged Services, Inc. (NPS) (collectively, the "Companies") into receivership for rehabilitation under Chapter 443 of the Texas Insurance Code. The Travis County District Court issued an Agreed Order Appointing Rehabilitator and Permanent Injunction ("Agreed Order") on May 14, 2008. Representatives of the Companies consented to the receivership and signed the Agreed Order. On September 22, 2008, the court signed an Order Appointing Liquidator, Order Approving Liquidation Plan and Permanent Injunction (“Liquidation Order”), placing the Companies in Liquidation and approving a Liquidation Plan (“Liquidation Plan”) between the SDR and the National Organization of Life and Health Insurance Guaranty Associations (“NOLHGA”). On October 23, 2008, the Liquidation Order became final and the Liquidation Plan went into effect. TDI is providing consumers with answers to Frequently Asked Questions and other information about the actions taken in Texas. Additional information for the Texas funeral home industry is available from the Texas Department of Banking. This web page will be updated as new information becomes available. Q. What Companies are involved in the Liquidation? Lincoln Memorial Life Insurance Company ("Lincoln Memorial") is a Texas domiciled life insurance company licensed in 44 states. Memorial Service Life Insurance Company ("Memorial Service") is a stipulated premium life insurance company licensed only in Texas. National Prearranged Services, Inc. ("NPS") is a Missouri corporation affiliated with Memorial Service and Lincoln Memorial. NPS sold pre-need funeral contracts. Q. Who is in charge of Lincoln, Memorial and NPS? Donna J. Garrett has been appointed as the Special Deputy Receiver ("SDR") to administer all three Companies. The SDR is in charge of the Companies, and she and her staff are on-site at the company offices. On May 14, 2008, Memorial, Lincoln and NPS consented to be placed in receivership by a Texas court by signing an Agreed Order for Rehabilitation ("Agreed Order"). The Commissioner of Insurance for the State of Texas was named Rehabilitator ("Rehabilitator") for the companies, and has now been named as Liquidator (“Liquidator”) for the Companies. The Liquidator has taken over all the powers of the Companies' directors, officers and managers. Q. Can Lincoln or Memorial accept Applications for New Policies? No. The Companies are not accepting applications. The Companies stopped issuing new policies effective March 17, 2008. The SDR has authority to collect payments due on existing business. Q. What is the effect of the Order Appointing Liquidator, Order Approving Liquidation Plan and Permanent Injunction (“Liquidation Order”)? The Liquidation Order states that the Companies are insolvent, and appoints the Commissioner of Insurance as Liquidator for the Companies. This means that all assets of the Companies will be liquidated under a Plan approved by the court, and used to pay liabilities according to the priorities set out in Tex. Ins. Code § 443.301. Under the Liquidation Plan, individual state guaranty associations will pay the original death benefit for life insurance policies issued by Memorial Service or Lincoln Memorial, ignoring any policy loans, assignments, conversions, and other insurance policy transactions not authorized by the consumer that may have taken place. Payment will be to the funeral home or other burial service providers when burial services are provided. Obligations in pre-need contracts that are not funded by an insurance policy (such as cost of living or inflation growth adjustments) will not be paid under the Plan because insurance guaranty associations are prevented by their laws from paying non-insurance obligations. Q. What is the best way to receive continuing updates or to find out more information? Consumers and funeral homes monitoring the situation should do so through the appropriate regulatory entities, since information from other sources may be unreliable or inaccurate. The SDR may be contacted by phone at 1-800-334-3851. Call volume is very high, but staff is working diligently to assist you with your questions. Inquires may also be sent by email to info@LincolnMemorialLife.com. Information and copies of relevant Texas court documents are also available on the website at www.lincolnmemoriallife.com. Q. What kind of action will the SDR take against individuals who contributed to this situation? A great deal of information is being reported about the activities of certain individuals who were in charge of the companies prior to receivership, and the actions taken by the Companies prior to receivership. The SDR will be examining company transactions that took place prior to the receivership. The SDR will take appropriate steps, and will explore all viable avenues to marshal assets for the benefit of funeral homes and other creditors. Q. How to file a Fraud Report or Complaint? Prevent Insurance Fraud Insurance Fraud Toll-Free Hotline - 1-888-327-8818 Online Fraud Reporting for Insurance Companies - http://www.tdi.state.tx.us/fraud/frsiufrrpt.html Online Fraud Reporting for Consumers - http://www.tdi.state.tx.us/fraud/onlinereport.html File an Insurance Complaint Read about TDI's consumer complaints process in the Helping You With Your Insurance Complaint publication. You may also e-mail, mail, or fax your complaint along with copies of your supporting documents to Texas Department of Insurance Consumer Protection Program (MC 111-1A) P.O. Box 149091 Austin, TX 78714-9091 Fax: 512-475-1771 E-mail: ConsumerProtection@tdi.state.tx.us            HOW TO CONTACT US     Q. Mailing Address for General Correspondence Please send mail to: Donna Garrett, Special Deputy Receiver P.O. Box 160050 Austin, TX 78716 Q. Mailing Address for Coupon, Premium or Contract Payments Lincoln Memorial Life Insurance Company, P.O. Box 660548, Dallas, TX 75266. Memorial Service Life Insurance Company, P.O. Box 660764, Dallas, TX 75266. National Prearranged Services, Inc., P.O. Box 660767, Dallas, TX 75266. Q. Fax (512) 328-0072 (512) 329-7167 (512) 329-7165 (512) 329-7174 Q. Email You may send email inquires to info@lincolnmemoriallife.com Q. Phone Toll Free at 1-800-334-3851 or (512) 328-0075 Please note that call volume is very high at this time. We appreciate your patience. Please know that our staff is working dilligently to assist you with your questions. Q. Missouri Insurance Guaranty Association Phone: 1-800-769-6320 or visit their website at http://www.mo-iga.org            CONTRACT/POLICYHOLDERS     Q. What effect does the Liquidation Order and Liquidation Plan have on pre-need contracts, insurance policies and claims? Consumers with pre-need contractual obligations should continue to honor their obligations under the agreement. This means that if a consumer has an NPS contract with a Lincoln Memorial or Memorial Service Insurance Policy that requires periodic payments, the consumer should continue to make those payments in order to keep the contract and insurance policy in force and to ensure that any insurance policy is covered under the Plan. As described above, funeral providers should not expect to receive additional non-insurance policy compensation in the form of contract growth payment from NPS under pre-need contracts or other arrangements. Also as described above, there was a temporary hold on claims payments until the Plan went into effect on October 23, 2008. The Liquidator understands that both the absence of growth payments and the temporary hold on claims payments pose a hardship to some funeral homes, and is doing everything possible to ensure the least disruption possible to affected parties. Persons with unpaid death claims under pre-need funeral contracts not associated with insurance policies of Lincoln Memorial or Memorial Service will need to file a Proof of Claim with NPS in accordance with the claims filing process in the Texas Insurance Code. Q. If Lincoln Memorial or Memorial Service provides insurance coverage that secures pre-need funeral contracts, is the coverage in jeopardy? No, that insurance coverage is not in jeopardy. Under the Plan, the individual state guaranty associations will pay for policy obligations, according to the terms of the Plan, provided that the insurance policy is still in effect. If the pre-need contract or insurance policy requires continuing payments, then consumers should continue making these payments (and bring any late payments current), otherwise their insurance coverage could be cancelled. Q. Is a Funeral Provider still required to honor the pre-need contract? Yes. Neither the Agreed Order placing these companies into receivership nor the Liquidation Order alters the obligations that funeral homes have to consumers. Although inflation or growth payments under the NPS contracts will not be paid under the liquidation plan, funeral homes are still obligated to honor the preneed burial contracts at the time of need. In Texas, the funeral home still has a contractual liability to honor the pre-need funeral contract by furnishing the described benefits specified in the contract, or provide their equivalent in quality, for the contract price as promised. Q. What should I do if a Funeral Provider is refusing to honor a pre-need contract? If a funeral provider is refusing to honor a pre-need contract, you should contact the SDR and the pre-need regulator in your state. In Texas, contact the Texas Department of Banking at (512) 475-1285 or toll-free at (877) 276-555. Q. What if I need to change my address? Any address changes must be received in writing. Once we receiver you request, we will also have the accounting department update their records as well. Please mail your request to: Lincoln/Memorial Service Attn: Claims Department P.O. Box 160050 Austin, Texas 78716 Q. What if I want to change my beneficiary? Requests to change your beneficiary must be received in writing. Your request wll be processed in accordance with the Liquidation Plan. Please mail your request to: Lincoln/Memorial Service Attn: Claims Department P.O. Box 160050 Austin, Texas 78716 Q. What if I want to change Funeral Providers? All requests for Change in Provider must be in writing. Please mail your request to: Lincoln/Memorial Service Attn: Claims Department P.O. Box 160050 Austin, Texas 78716 Q. What if my policy or contract has lapsed? Any request for reinstatement of a policy needs to be submitted in writing. We will review your specific request and make a decision based on the terms of the policy and in accordance with the Liquidation Plan. Please mail your request to: Lincoln/Memorial Service Attn: Claims Department P.O. Box 160050 Austin, Texas 78716 Q. What if I want to cancel my policy or contract? Requests to cancel your policy or contract must be received in writing. We will then review your request. Whether you receive a return of monies will be subject to the coverage provided by the Insurance Guaranty Association, the terms of your policy or contract and in accordance with the Liquidation Plan. Please mail your request to: Lincoln/Memorial Service Attn: Claims Department P.O. Box 160050 Austin, Texas 78716 Q. Do I need to continue making my premium payments? The Insurance Guaranty Associations have assumed the responsibilities for the in-force policies of the insolvent companies. In order to receive benefits from the Insurance Guaranty Associations, premiums must continue to be paid to keep the coverage in-force. Q. Why have I not received a Paid in Full Certificate? Paid in Full Certificates are no longer available. On written request, we can provide you with a letter advising that there is a zero balance due. Please mail your request to: Lincoln/Memorial Service Attn: Claims Department P.O. Box 160050 Austin, Texas 78716 Q. What kind of action will the SDR take against individuals who contributed to this situation? A great deal of information is being reported about the activities of certain individuals who were in charge of the companies prior to receivership, and the actions taken by the Companies prior to receivership. The SDR will be examining company transactions that took place prior to the receivership. The SDR will take appropriate steps, and will explore all viable avenues to marshal assets for the benefit of funeral homes and other creditors. Q. What is the best way to receive continuing updates or to find out more information? Consumers and funeral homes monitoring the situation should do so through the appropriate regulatory entities, since information from other sources may be unreliable or inaccurate. The SDR may be contacted by phone at 1-800-334-3851. Call volume is very high, but staff is working diligently to assist you with your questions. Inquires may also be sent by email to info@LincolnMemorialLife.com. Information and copies of relevant Texas court documents are also available on the website at www.lincolnmemoriallife.com.            CLAIMS     Q. Is there any change to the process for submission of claims? Yes. In general, claims should still be submitted to the SDR, with the documents required. Please note the filing requirements and new fax number below. The state insurance guaranty associations require the following documents to complete your submission: • Copy of the Death Certificate • Verified Statement of Performance • Itemized Funeral Home Bill for merchandise and services • “Next of Kin/Personal Representative Release, Subrogation and Assignment Form” (signed by the next of kin or personal representative of the decedent when the funeral arrangements are made) • Seller’s Affidavit of Contract Performance (AR only) In addition to the above documents, assignment forms will need to be completed by the provider of services in order for claims to be paid. If the provider of services assigned its rights to a third party (for example a “funding” company), the third party must also sign an assignment form. You will receive the assignment forms and instructions to complete them after the claim is approved for payment. Only for claims submitted prior to February 1, 2009, the following expedited process is being offered to address the back log of claims: The provider of services may submit their assignment form and an indemnity agreement if the signed assignment form is not obtained from the decedent's estate or representative. You will receive the assignment forms, the indemnity form and instructions to complete them after the claim is approved for payment. Claims may be submitted: BY MAIL: Lincoln/Memorial Service Attn: Claims Department P O Box 160050 Austin, TX 78716 BY FAX : Claims Department (512) 328-0072 (512) 329-7165 (512) 329-7179 (512) 329-7167 BY EMAIL: Claims@lincolnmemoriallife.com The NPS fax number is no longer operational due to the closure of the St. Louis office. Any claim submitted via fax should be directed to the offices of Lincoln Memorial and Memorial Service at 512-328-0072. Q. Where to File Death Claims? Claims may be submitted BY MAIL : Claims Department P O Box 160050 Austin, TX 78716 BY FAX : Claims Department (512) 328-0072 (512) 329-7165 (512) 329-7179 (512) 329-7167 BY EMAIL: Claims@lincolnmemoriallife.com The NPS fax number is no longer operational due to the closure of the St. Louis office. Any claim submitted via fax should be directed to the offices of Lincoln Memorial and Memorial Service at 512-328-0072. Q. What is the timing for payment of claims? Claims payments were temporarily on hold until October 23, 2008, when the Liquidation Plan took effect. During that time, the SDR continued processing claims and working closely with NOLHGA so that claims could be paid when the Plan took effect. The SDR and insurance guaranty associations are working hard to expedite the processing of claims and release of payments. Funeral homes and other burial service providers should provide e-mail addresses to the SDR to help expedite processing of claims, and should provide all requested information when filing a claim to expedite processing. Q. What effect do the Liquidation Order and the Liquidation Plan have on pre-need contracts, insurance policies and claims? Consumers with pre-need contractual obligations should continue to honor their obligations under the agreement. This means that if a consumer has an NPS contract or a Lincoln Memorial or Memorial Service insurance policy that requires periodic payments, the consumer should continue to make those payments in order to keep the contract or insurance policy in force and to ensure that any insurance policy is covered under the Plan. Consumers with paid-up NPS contracts or policies do not need to do anything. As described above, funeral providers should not expect to receive additional non-insurance policy compensation in the form of contract growth payment from NPS under pre-need contracts or other arrangements. Also as described above, there was a temporary hold on claims payments until the Plan went into effect on October 23, 2008. The Liquidator understands that both the absence of growth payments and the temporary hold on claims payments pose a hardship to some funeral homes, and is doing everything possible to ensure the least disruption possible to affected parties. Persons with unpaid claims under pre-need funeral contracts not associated with insurance policies of Lincoln Memorial or Memorial Service will need to file a claim with NPS in accordance with the claims filing process in the Texas Insurance Code. Further information will be available soon about the method and deadline for filing claims. Q. Questions regarding the status of a Missouri claim? Please contact the Missouri Insurance Guaranty Association at 1-800-769-6320 or visit their website at http://www.mo-iga.org            FUNERAL PROVIDERS     Q. What effect do the Liquidation Order and the Liquidation Plan have on pre-need contracts, insurance policies and claims? Consumers with pre-need contractual obligations should continue to honor their obligations under the agreement. This means that if a consumer has an NPS contract or a Lincoln Memorial or Memorial Service insurance policy that requires periodic payments, the consumer should continue to make those payments in order to keep the contract or insurance policy in force and to ensure that any insurance policy is covered under the Plan. Consumers with paid-up NPS contracts or policies do not need to do anything. As described above, funeral providers should not expect to receive additional non-insurance policy compensation in the form of contract growth payment from NPS under pre-need contracts or other arrangements. Also as described above, there was a temporary hold on claims payments until the Plan went into effect on October 23, 2008. The Liquidator understands that both the absence of growth payments and the temporary hold on claims payments pose a hardship to some funeral homes, and is doing everything possible to ensure the least disruption possible to affected parties. Persons with unpaid claims under pre-need funeral contracts not associated with insurance policies of Lincoln Memorial or Memorial Service will need to file a claim with NPS in accordance with the claims filing process in the Texas Insurance Code. Further information will be available soon about the method and deadline for filing claims. Q. Is a Funeral Provider still required to honor the Pre-need Contract? Yes. Neither the Agreed Order placing these companies into receivership nor the Liquidation Order alters the obligations that funeral homes have to consumers. Although inflation or growth payments under the NPS contracts will not be paid under the liquidation plan, funeral homes are still obligated to honor the preneed burial contracts at the time of need. In Texas, the funeral home still has a contractual liability to honor the pre-need funeral contract by furnishing the described benefits specified in the contract, or provide their equivalent in quality, for the contract price as promised. Q. What is the claims approval process? This is a multistep claims approval process required by the Order Approving the Liquidation Plan. Payment is also, to some extent, dependent on the response time from the Funeral Home. In summary, the steps for claims processing are: 1) Claims are submitted to the Special Deputy Receiver, verified as complete and processed by the claims staff in compliance with the Liquidation Plan. 2) The processed claims are then submitted to the applicable Insurance Guaranty Association for approval. 3) The Insurance Guaranty Association notifies the Special Deputy Receiver that the claim is approved. 4) The Special Deputy Receiver then sends an Approved Notice Letter and forms to the Funeral Home either by email or mail. 5) Upon receipt of the fully executed and completed forms from a funeral home, the Special Deputy Receiver sends a funding request to the applicable state Insurance Guaranty Association. 6) The applicable state Insurance Guaranty Association funds payment of the claim by transferring money to the Special Deputy Receiver’s Claims Account. 7) The Special Deputy Receiver will then issue a check and mail it out. Q. What is the timing for payment of claims? Claims payments were temporarily on hold until October 23, 2008, when the Liquidation Plan took effect. During that time, the SDR continued processing claims and working closely with NOLHGA so that claims could be paid when the Plan took effect. The SDR and insurance guaranty associations are working hard to expedite the processing of claims and release of payments. Funeral homes and other burial service providers should provide e-mail addresses to the SDR to help expedite processing of claims, and should provide all requested information when filing a claim to expedite processing. Q. Do Funeral Home Directors have to submit claims electronically? No, claims do not have to be submitted electronically, but it will speed up the processing of claims. The SDR previously requested that Funeral Home Directors provide their email address so that information could be promptly provided and the estate could save the expense and delay of mailing documents. We would like to email the Approved Claim Notice and required Release Forms in order to expedite the release of benefits. If a Funeral Home does not have an email address, we will continue to provide that information by U.S. mail. Q. Do Funeral Homes have to submit a W-9 with each Claim filed? No, only one W-9 per Payee per Calendar Year is required. The Special Deputy Receiver will track receipt of the W-9 and not require additional forms with each claim. However, it is possible that a Funeral Home with multiple claims may receive a duplicate request. In that event, the Funeral Home can fill it out again or simply refer to the previously submitted form. Q. Can electronic payments be made directly to the Funeral Home’s bank account? We are unable to make electronic payments. Electronic transfer is not available at this time. Q. Questions regarding the status of a Missouri Claim? For information regarding Missouri claims please contact the Missouri Insurance Guaranty Association at 1-800-769-6320 or visit their website at http://www.mo-iga.org            POLICY/PREMIUM PAYMENTS     Q. Is there any change to the process for making regular payments due on a contract or insurance policy? There is no change to automatic electronic funds payments through your bank. Mail coupon and premium payments to: Lincoln Memorial Life Insurance Company, P.O. Box 660548, Dallas, TX 75266 Memorial Service Life Insurance Company, P.O. Box 660764, Dallas, TX 75266 National Prearranged Services, Inc., P.O. Box 660767, Dallas, TX 75266 Q. Why has my automatic payment not debited my account? The length of time it takes for a payment to post to your account varies. Please do not worry. Your policy will not lapse due to this delay. Please contact this office if it has been more than 2 weeks from the date of your normal withdrawal. Contact our billing department toll free at 1-800-334-3851 or (512) 328-0075. Q. How do I set up automatic bank draft payments? Please submit a written request and provide a voided check. For your convenience, we have a form that you may print out, complete and mail in with your voided check. It is Form B01, located under the Forms tab on our website. Please mail the form or your written request to: Lincoln/Memorial Service Premium Accounting Dept P.O. Box 160050 Austin, TX 78716 Q. What if I change banks? If you wish to have your automatic debit withdrawn from a different account number or different bank, please submit a written request and voided check. For your convenience, we have a form that you may print out, complete and mail in with your voided check. It is Form B02, located under the Forms tab on our website. Please mail the form or your written request to: Lincoln/Memorial Service Premium Accounting Dept P.O. Box 160050 Austin, TX 78716 Q. What if I need to change my payment date? If you would like to change the due date of your payment, we must receive the request in writing. Your request must contain all of the following information: Insured / Policyholder Name Insured / Policyholder Address Policy / Account / Contract Number New Payment Date If this is an account set up for automatic debit, we must also have the following information: Name on the Bank Account Current Address Telephone Number Name of the Bank Bank Account Number Please submit your request to: Lincoln/Memorial Service Premium Accounting Dept P.O. Box 160050 Austin, Texas 78716 Q. What if I am delinquent or late on payments and want to make payment arrangements? In many cases the SDR will be able to work with you in establishing a payment arrangement. Please make sure to include the Insured/Policyholder Name and the Policy, Account, or Contract Number. Please submit your request in writing and include the reason for late payment and your proposed payment schedule to: Lincoln/Memorial Service Attn: Premium Accounting Dept P.O. Box 160050 Austin, Texas 78716 Q. What if I have not received my coupon book and need to make a payment? You do not need the coupon to make a payment. Please mail in your check and clearly print your account number on the check. Please mail your payment to: Lincoln Memorial Life Insurance, P.O. Box 660548, Dallas, TX 75266. Memorial Service Life Insurance, P.O. Box 660764, Dallas, Texas 75266. National Prearranged Services, Inc., P.O. Box 660767, Dallas, TX 75266. Q. Do I need to continue making my premium payments? The Insuance Guaranty Associations have assumed the responsibilities for the in-force policies of the insolvment companies. In order to receive benefits from the Insurance Guaranty Associations, premiums must continue to be paid to keep the coverage in-force.