BBB Accredited Business since

Degree of Honor Protective Association

Additional Locations

Phone: (651) 228-7600 Fax: (651) 224-7446 View Additional Phone Numbers 287 W Lafayette Frontage Rd Ste 200, Saint Paul, MN 55107 http://www.degreeofhonor.com View Additional Web Addresses


BBB Business Reviews may not be reproduced for sales or promotional purposes.


BBB Accreditation

A BBB Accredited Business since

BBB has determined that Degree of Honor Protective Association meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.


Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that affect the rating for Degree of Honor Protective Association include:

  • Length of time business has been operating
  • Complaint volume filed with BBB for business of this size
  • Response to 2 complaint(s) filed against business
  • Resolution of complaint(s) filed against business


Customer Complaints Summary Read complaint details

2 complaints closed with BBB in last 3 years | 0 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 0
Billing/Collection Issues 0
Delivery Issues 2
Guarantee/Warranty Issues 0
Problems with Product/Service 0
Total Closed Complaints 2

Customer Reviews Summary Read customer reviews

0 Customer Reviews on Degree of Honor Protective Association
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 0
Total Customer Reviews 0

Additional Information

BBB file opened: July 09, 1991 Business started: 10/01/1886 Business started locally: 10/01/1886 Business incorporated 07/16/1998 in MN
Licensing, Bonding or Registration

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

Minnesota Secretary of State
180 State Office Bldg, 100 Rev. Dr. Martin Luther King Jr. Blvd., Saint Paul MN 55155
http://www.sos.state.mn.us
Phone Number: (651) 296-2803

Minnesota Department of Commerce
85 7th Pl E Ste 500, Saint Paul MN 55101
http://www.commerce.state.mn.us
Phone Number: (651) 539-1500
general.commerce@state.mn.us

Business Management
Lisa Flanary, CEO Phoua Vang, Compliance Specialist
Contact Information
Principal: Lisa Flanary, CEO
Customer Contact: Phoua Vang, Compliance Specialist
Business Category

Insurance Companies

Products & Services

According to the information provided by Degree of Honor Protective Association, this company provides life insurance and annuity products to families in 22 states.

Industry Tips
INSURANCE

Additional Locations

  • 287 W Lafayette Frontage Rd Ste 200

    Saint Paul, MN 55107 (651) 228-7600

  • 400 Robert St N Ste 1600

    Saint Paul, MN 55101 (800) 947-5812

X

BBB Customer Review Rating plus BBB Rating Overview


BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.
Details

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.

Complaint Detail(s)

10/27/2014 Delivery Issues | Read Complaint Details
X

Additional Notes

Complaint: ***complaint has been scanned in and is available using the online complaint system.

Desired Settlement: ***complaint has been scanned in and is available using the online complaint system.

Business Response: Initial Business Response /* (1000, 10, 2014/10/15) */ ****The following information was provided in hard copy and has been converted to text (full version is available using the online system) Your inquiry dated October 10, 2014 was referred to me for response. In both of these instances the applications for insurance dated March 30, 2006 listed the owner of the policy as the Degree of Honor irrevocable Trust. This is not only listed in Section l of the policy contract, but also written on the application for insurance inserted in the back of the contract. Since ****** ******* ******** and ******* **** ******** are not the owners of the policy, they do not have the rights to surrender or amend this policy. At the time of death, the contract benefit would be distributed first to the cost of the insured's funeral expenses. any remaining balance would paid to the insured's estate. I am enclosing a copy of the application, the section 1 page of each contract and a copy of the signed Trust agreement. Please feel free to contact me if you have any further questions. Sincerely. ****** ********* Operations Manager Final Business Response /* (1000, 11, 2014/10/15) */

10/27/2014 Delivery Issues | Read Complaint Details
X

Additional Notes

Complaint: ***complaint has been scanned in and is available using the online complaint system.

Desired Settlement: ***complaint has been scanned in and is available using the online complaint system.

Business Response: Initial Business Response /* (1000, 10, 2014/10/15) */ ****The following information was provided in hard copy and has been converted to text (full version is available using the online system) Your inquiry dated October 10, 2014 was referred to me for response. In both of these instances the applications for insurance dated March 30, 2006 listed the owner of the policy as the Degree of Honor irrevocable Trust. This is not only listed in Section l of the policy contract, but also written on the application for insurance inserted in the back of the contract. Since ****** ******* ******** and ******* **** ******** are not the owners of the policy, they do not have the rights to surrender or amend this policy. At the time of death, the contract benefit would be distributed first to the cost of the insured's funeral expenses. any remaining balance would paid to the insured's estate. I am enclosing a copy of the application, the section 1 page of each contract and a copy of the signed Trust agreement. Please feel free to contact me if you have any further questions. Sincerely. ****** ********* Operations Manager Final Business Response /* (1000, 11, 2014/10/15) */


Customer Review(s)

The customer review(s) below are un-filtered. These positive and negative reviews are not used in the calculation of the BBB Rating. If you wish to file a complaint and request a resolution to your issue please click here. This customer review section is not BBBs complaint resolution system. Customer Reviews are the subjective opinion of the individual who posted the review and not of Better Business Bureau. A customer review is not posted on a business if a BBB complaint on the same issue(s) is also filed. BBB cannot guarantee the accuracy of any customer review and is not responsible for the content of any customer review. Public comments are not customer reviews.

Customer Reviews Summary

0 Customer Reviews on Degree of Honor Protective Association
Positive Experience (0 reviews)
Neutral Experience (0 reviews)
Negative Experience (0 reviews)