Wow, their situation is so different from mine. I have had this company for over 10yeas now, my agent is honest,loyal and has my best interest in mind. Any time I call him he is right there for me. Maybe you guys should request another agent, my 1st one was new and we didn't see eye to eye, however my new guy seriously rocks!!! I believe they are more Property and Life rather than annuity at least thats what I have and Have never been steered wrong.

This is the WORST financial company I have ever used. I have a Roth IRA and a 403B with them. I have tried SIX, yes SIX times to retrieve my money and transfer it over to a better company (AXA/Equitable). Each time, I am denied. Why? Here's why: they have either never received the paperwork (even though I have copies of what I sent them); I didn't finish completing the paperwork (again, I have copies of the paperwork clearly showing I did); I didn't send it in within 30 days of the request (they screw you over by not sending you the required paperwork for 2 weeks, then miraculously it takes 9 days to get to your home- even though you're only 3 states away- then it leaves you only 5 days left to fill out the paperwork with your new financial institution, go through their required departments, and then finally sent in); they do not keep a phone record of any of the times that they have spoken to you on the phone requesting the information (meaning, I have to call basically everyday until the paperwork arrives); and they are extremely unknowledgable on the phone when you DO call them ("uhhh, I don't know about that"....and...."uhhhhh, I can't answer that".....and....."I don't know about that type of form" etc.); they will not speak to your new financial institution in which you're transferring the money (meaning, even though I have it in writing that my new financial advisor is able to speak on my behalf, they will not speak to him or his company, then will only speak to me- thus, I have to be in his presence when I speak to Horace Mann and this is not always convenient). This is a horrible company and I regret ever using them for investments. I have been trying to get my money out of their company and into a new one since February 2008 (it is currently July 2009). They will not give it to me. I have taken money out of other financial institutions without incident and have rolled them into AXA/Equitable. My financial advisor through AXA/Equitable has worked in the business for 15 years, 8 of which were on Wall Street. He has never had this much flack given to him regarding withdrawing money, nor how unprofessional they have been toward him. DO NOT EVER INVEST WITH THESE CROOKS!

Do not trust these people with your money. They will not manage it well. I have an account with them. I have spoken to a rep maybe twice about my account. I asked to meet with someone personally. The person was supposed to call me back to set up a time to meet. He never did. Instead, I got a letter stating, "Here are the changes you requested". I requested no such changes.