Complaints

This profile includes complaints for AGIA Affinity's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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AGIA Affinity has 10 locations, listed below.

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• 

  AGIA Affinity

  300 E Esplanade Dr Ste 2010 Oxnard, CA 93036-1229

  
• 

  Legionnaire Insurance Trust

  PO Box 26720 Phoenix, AZ 85068-6720

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  AGIA Insurance Services

  PO Box 26720 Phoenix, AZ 85068-6720

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  Union Plus Insurance Porgrams

  PO Box 26720 Phoenix, AZ 85068-6720

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  Emergency Assistance Plus

  PO Box 9887 Phoenix, AZ 85068-9887

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:05/27/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had home insurance to cover any electronics problems that happen. The account was set up on auto pay. Every month like clockwork they took out the monthly payment. For close to six months. When my tv lost light on part of the screen I made a claim so it could get fixed. About a week later I get a email from company saying my account has been terminated. I'm not sure how this is legal to do. Offer insurance til there's a claim and then terminate there account so you don't have to follow through on the contract you made. Never even got a offer to return the monthly payments they took for service they aren't actually providing. This seams like a sue-able offence.

  

  Business Response

  Date: 06/03/2025

  Thank you, Mr. A***** for reaching out and sharing your concerns. To clarify, the program you were enrolled in was discontinued, however that was not directly as a result of you filing a claim. A notification of this change was communicated in March 2025. We regret any frustration this situation has caused. Please know we have been attempting to contact you to advise your claim was in fact processed and we would like to ensure that this resolution meets your needs. Please let us know if there is anything further we can do to assist you.
  

  Customer Answer

  Date: 06/12/2025

  
  
  
  
  I have reviewed the response made by the business in reference to complaint ID 23376337, and find that this resolution is satisfactory to me.
  
  
  
  
  Regards,
  
  
  
  ******* A*****
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  

• Initial Complaint

  Date:03/12/2024

  Type:Delivery Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a letter dated 2/23/24 (postmarked 3/26/24), 11 days later on 3/5/24, stating that I will receive a settlement check for the death of my mother "under separate cover". I waited until 3/8/24 to call to inform them that the check has not arrived. I spoke to Christopher in the the Claims Department and he stated that the check DID go out on 2/23/24. He stated I should wait 30 days to call back, if the check doesn't arrive. This did not sit well with me because I had made financial decisions based on the letters promise to receive funds. I called back on 3/11/24 and spoke with K******* in the Claims Department and she stated that the check DID NOT get sent out. She stated that the company they use to issue checks JUST informed them that the checks HAVE NOT been sent. I, however, have no reason to believe that the check-issuing company waited 17 days to inform them. She stated I should call back at the end of the week and I said "No, I will be calling every day until this is resolved." I also asked what other option there is to resolve this and was told there is not another option for resolution. I have now learned 2 things from this situation 1) Do not make future financial decisions based off of an insurance companies promise to pay in a timely matter 2) Laws regarding payments for clean claims. Minimum, I should have received a letter, email or phone call informimg me that the check had not been sent as promised. To show that this was not done in bad faith, I will expect to receive an expedited check (shipped priority/overnight). An apology does not pay suffice in this situation. My mother retired from the State of Mississippi, so they received her premium for YEARS, and for them to just "tell me to call back and see" does not show good business standards. They have added grief to an already terrible situation.

  

  Business Response

  Date: 03/18/2024

  We understand Ms. B****’s
  frustration and appreciate her bringing her concerns to our attention. Normal
  claim check issuing procedures, which are  managed by our payment processing and check
  printing vendor, have been impacted by unforeseen circumstances which caused her
  check to be delayed. A representative from our office called Ms. B**** on
  March 12 and 14 to update her on the status while our team worked diligently to
  restore processing so that we could have her benefit payment generated.  After her the benefit payment was sent by overnight mail on March 15, we spoke with
  her today and she confirmed she received the payment on Saturday, March
  16.  We apologize for the frustration she experienced related to this
  issue and are glad we could resolve it for her.       

  Customer Answer

  Date: 03/20/2024

  
  
  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID 21419156, and find that this resolution is satisfactory to me.
  
  
  
  
  Regards,
  
  
  
  ****** B****
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  

• Initial Complaint

  Date:12/26/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  ON 12/18/2023, I WAS CHARGED 1 FEE OF $119.00. I SEARCHED MY INBOX MAIL AND I FOUND A JUNK EMAIL SAYING I WAS BEING CHARGED FOR AN ACCOUNT OF $119.00. I DID NOT SEE THIS BECAUSE I JUST DELETE JUNK EMAILS AND I WOULD SEND AN EMAIL THEN DENYING ANY ACCEPTANCE OF SOMETHING LIKE THIS. IT'S A SCAM! EITHER I GET A REIMBURSEMENT OR I WILL FILE CHARGES.

  

  Business Response

  Date: 01/03/2024

  Hello Mr. D****. We contacted you about your
  concerns and confirmed in December 2022 you completed an online enrollment for
  ID Resolve, an identity theft protection program, in which you authorized
  automatic renewal payments. Prior to the deduction of payment, we notified you
  via email of the upcoming charge and processed the payment for the continued
  protection you signed up for. Following the deduction, we received an email
  from you requesting a refund and we promptly issued the refund. We have resolved this matter
  with you over the phone and you’ve confirmed a refund was issued. Thank you for
  bringing your concerns to our attention so that we could confirm the charge as
  valid, and remedy your request for cancellation. 

  Customer Answer

  Date: 01/04/2024

  
  
  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID 21049726, and find that this resolution is satisfactory to me.
  
  
  
  
  Regards,
  
  
  
  ****** * D****
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  

• Initial Complaint

  Date:03/31/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  They are the administrators of life insurance I have with NY Life. I have been attempting to get resolution to being overcharged premiums. I began seeking resolution in September 2022. I had two policies, term life. One was a 10 year term set to expire on September 1, 2022. After being advised of my options on that policy, which included continuation of coverage with annual increases of premiums, or letting the policy lapse, I decided to let it lapse. However someone at AGIA started a new policy on my behalf without my permission. They began increasing the amount of money they auto-deducted from my retirement warrant without explanation. When I found out that they created the additional account/policy, I wrote asking that it be immediately cancelled and that I be refunded. However, the amount of money taken from my retirement warrants continued to be higher than it should have been. They sent me a refund check in February 2023, but it failed to adequately account for the amounts taken from me. I called them again, they supposedly opened a new investigation, and I mailed them a comprehensive explanation with copies of my retirement warrants as proof of funds deducted by their agency. I called today, 3-30-23 only to be told that there was no current investigation, and the impetus was on me to prove how much I am owed. Because the amount deducted from my warrant is a lump sum, I am not able to determine how much I was being charged for each policy, therefore I am unable to determine the exact amount I am owed. I do not know if I was refunded for the erroneous policy. I am not able to determine if they stopped taking money for the policy that expired on 9-1-22.

  

  Business Response

  Date: 04/06/2023

  We are
  sorry to hear of the frustrations Ms. C******* experienced in her attempt to
  resolve this matter.  To respect her
  privacy, we have reached out to her directly and are providing her with a
  written summary of the retirement warrant process, breakdown of the premium
  history, and an accounting of the amounts deducted from her warrant and to
  which policy the funds were applied.  We
  are also explaining the new policy she mentioned which was established as a
  continuation of the expiring policy and not activated unless a payment was
  received outside of the retirement warrant process.   We appreciate Ms. C******* bringing her
  concerns to our attention as we take these matters seriously, and it is
  important to us that we provide her with the information she needs to resolve
  her concerns.             

  Customer Answer

  Date: 04/07/2023

  
  
  
  
  Complaint: 19874800
  
  
  
  I am rejecting this response because:
  

  Until I receive the explanation as to what occurred, and until I receive a full refund of overcharges, I cannot consider the matter resolved.  I did receive a phone call, contact information, and a promise that my situation is being investigated which I greatly appreciated.  However, based on past unfulfilled promises, I am hesitant to believe that they will indeed follow through.  I am told that I will receive another contact by the middle of next week.  I hope that is the case.

  
  
  Regards,
  
  
  
  ******* C*******
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  

  
  

  

  Business Response

  Date: 04/13/2023

  We have provided Ms. C******* with her entire
  premium/payment history along with a copy of the information our office sent her
  about the continuation of coverage policy. In addition to providing information
  which explained the auto deduction increases, we talked with her and confirmed
  she did not pay premiums for the continuation policy and that the refund check she received is accurate.  We acknowledge the frustration she experienced
  and regret the difficulties she encountered. 
  As a result of her experience, we have implemented new communication procedures to prevent a recurrence of the issues she encountered.   We appreciate her raising these concerns
  so that we could address them appropriately.   
  

  Customer Answer

  Date: 04/25/2023

  
  
  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID 19874800, and find that this resolution is satisfactory to me.
  
  
  
  
  Regards,
  
  
  
  ******* C*******