Our yearly Life Insurance Premiums were due 12/23/18. We mailed the two checks in one envelope (with our home/return address engraved on the envelope) on 12/12/18 from our local post office. As of 1/11/19, Banner has not received them or lost them. There is a grace period until 1/22/19. When I phoned Banner on 1/3/19 to ask if our payments had been received because we knew the two checks hadn't cleared our bank, the CSR said that many people were calling in for the exact same reason with their premiums also due 12/23/18, and to wait a week. On 1/9/19, our insurance agent was notified that six (four others also) of his insureds were delinquent though they maintained they'd also sent their checks in. On 1/9/19, a CSR Supervisor promised to check with accounting and Banner's bank to see what was doing, and would call me back on 1/10/19. No call and when I checked again 1/11/19 she was ticked I was following up. As our checks hadn't cleared as of 4pm on 1/11/19 I canceled them and paid the premiums using a one-time direct checking account debit. Banner doesn't accept credit cards and their one other methodology is abhorrent and time-consuming. So what's wrong at Banner? Has anyone else had a recent similar issue with Banner or Legal & General? Hard to fathom that checks mailed in from around the country are all lost, and thus far our envelope has not returned.