Complaints

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:03/02/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore 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.

  This sales lady which i wont name came to my door and flashed a id and claimed my mother did not fill out paperwork for her state benefits. Naturally ive had the state in my house before for her check *** so i assumed it was indeed for her state benefits. As soon as i let this scammer in my house and yes shes a scammer she should have said at the door she was trying to sell insurance she came in and started asking questions to my mother who is a senior that she had no buisness asking. If she would have said she was selling insurance i would not be so mad but she scammed her way into my house. I told her to get out and called the police and they took her buisness card and ring cam footage. they said it wasnt right but she didnt break the law because she did not pretend to be a state employee. It is still very much a scam.

  

  Business Response

  Date: 03/06/2024

  We apologize you experienced this!  Can you email us more information regarding the agent so we can investigate the matter further?  We will also remove your address from our system so that your mother is no longer approached by agents if you like.  Please email the address to remove and your mother's name to *************************** and we will get her out of the system asap.  If there is anything else we can do to help please feel free to contact us. 

• Initial Complaint

  Date:02/16/2024

  Type:Product 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.

  My insurance salesman ************************* who is a national sales manager at North ******* Senior benefits, who lives in ********* ******** I really thought our salesman was a very nice person and was trying to help us.My husband and I bought whole life insurance from American Senior Benefits from ****************************. It seemed as if he cared. We thought we had good whole life insurance. Until I contacted the insurance company he had me through (Liberty bankers.)I called them I emailed them many times to get a copy of my whole life insurance policy. Never happened! Going on their website they had bad reviews. I contacted **************************** and told him my concerns on January 16th 2024. He said he would look up different policies for us my husband and I and let us know what he found if we were interested in the policy he would get it going. In the meantime he would cancel the other policys that we had through him. Which meant the monthly fee for both policies should have been canceled and not taken from our checking account! No Problem! *************** took upon himself to redo policies for us never contacting us to see if we were interested he illegally put them through our checking account without our permission on February 9th 2024. He also did not cancel the other policy premiums and those also got were taken out of our account. That was on February 8th 2024. I have text *************** on February 14th 2024 told him what happened he responded with I'm sorry I will help you get this figured out. This is the last time I heard from him! I text him everyday! My husband and I are disabled, we are senior citizens and on disability social Security payments. We don't have the kind of money to put back into our checking account. We shouldn't have to this was done illegally by this company and man! Today our account is overdrawn by $576.80. the bank is talking about closing the account because of the overdrafts if they do this our social Security checks I have no idea when we'll get them.

  

  Business Response

  Date: 02/19/2024

  Good morning, we appologize for the experience you are having!  We would like to discuss this with you if you could email *************************** or give us a call and speak to ********************* we would appreciate getting more details on this issue in order to assist you.  I am forwarding this information to him now so that he can be aware that you may be calling.  I will also provide him with your contact information.  ***** is the *** and can better direct who we would need to go to in discussing a refund and the carrier involved.   Thank you for bringing this to our attention and we are happy to assist.  Our number is **************, please give us a call.  Thank you.

  Customer Answer

  Date: 02/23/2024

  Everything is worked out on my complaint. ****** is an incredible HUMAN! He came to our home and we worked the problem out. I'm very happy! ****** put the needs of my husband and I at the forefront and went above and beyond to address our concerns! I'm not only comfortable with him, it's a blessing to work with him! God bless him and his family, forever! 

• Initial Complaint

  Date:01/23/2024

  Type:Order Issues
  Status:

  AnsweredMore 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.

  North American Senior Benefits, LLC sent a letter offering my father "final expense insurance." Only problem with that is my father died 6 months ago.So I gave them a call.Me: I'm calling on behalf of my father, [father's name], about a letter he received from your company.Rep: "Just a moment while I pull up his information. Yes, I see here he signed the contract already."Me: Really? When exactly did he sign it?Rep: "I'm showing he signed it in December..."Me: That's interesting, considering he died in July. Now would you care telling...>CLICK

  

  Business Response

  Date: 01/25/2024

  I apologize for this experience that you had and would like more information to investigate the matter if possible.  We do not sent out mailers about final expense.  We actually send out lead generation cards which upon return would then trigger an agent call or visit.  Also when calling our offices we have no policy information available since that is only through the carriers so I'm wondering if the mailer you received was from a bad actor posing as our company?  Our phone number is **************.  Was that the number  you called?  If they stated a policy was written in December we would like to find out who wrote the policy on him as well if your father had passed away by that time, we would immediately terminate and report an agent falsifying applications like that.  Could you contact us with more information so that we can investigate the issue?  We appreciate any help you can give us!  You can call the number I just gave or email *************************** and we would be happy to discuss the issue.  Please ask to speak to ****** or ***** and they will assist you. Thank you for bringing this to our attention.  If someone is posing as our company and sending mailers out or writing business on individuals who are not with us we want to take action as soon as possible. Thank you.

• Initial Complaint

  Date:12/20/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore 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.

  A broker came to my home insisting that i signed a document to buy insurance. I dont recall ever doing so. He said he was from the North American Senior Benefit's Com. He was very insisted . The date was 12/20/2023, at 10 am. He made me very uncomfortable and I didn't want what he was selling. I dont know where he got my information from. It make me very upset.

  

  Business Response

  Date: 12/21/2023

  We apologize for any inconvenience you experienced when our agent came to your door.  I assure you that he was there following up on a lead that we received from a mailed in card that was sent to us.  Because of the large numbers of seniors we receive mail from it may have been quite a while ago that the card was returned.  Regardless, we are happy to remove your information from our database so that you are not visited again by any agents.  Thank you for letting us know the situation and please don't hesitate to reach out if there is anything else we can do.  Happy Holidays!

• Initial Complaint

  Date:10/31/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore 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.

  Just before 1:45 today (10/31/23), a representative showed up at my door unrequested with information I did not provide. Less than an hour before that, I had done a search for online will services at my mom's request.I opened a page called "************,"closed the block for contact info, scrolled down to read the services available for my mother, and noticed endorsements from AARP, Forbes, NY Times, etc.At no time did I enter any information.I believe that ****'s "licensed insurance broker" was sent out hoping to make a sale on someone vulnerable, based solely on my opening the home page for some very basic will & power of attorney research. The biggest red flags to me were that the phone number they had for me was 10 years or more out of date, and the birth date they had doesn't connect to anything in our family.Based on that date, this broker thought she was coming out to see an 80 year old woman, and was quite surprised to find someone around half that instead.This seems extremely predatory, given the fact that they are expecting to show up unannounced to the homes of elderly people. Even the most sound-minded might question whether they checked a box they didn't mean to, or any number of the other ways we explain away small things. It concerns me that pushy strangers can show up and talk people into letting them in, to then hold hostage for a high-pressure insurance pitch.The final irony? The woman's business card. Right below the **** logo that takes up one entire side (and half the other), there are tiny little words: **********************

  

  Business Response

  Date: 11/07/2023

  Thank you for your very detailed summary of events, we want you to know that we appreciate that information from the consumer perspective as we were unaware that a lead of this type was being collected.  We buy demographic data from a company, but we will be further investigating how that data is obtained because of your experience so that we can better serve consumers and make sure our data is accurate and ethically obtained when we purchase from data companies.  We will remove your information from our system so that you are not further contacted but appreciate your feedback immensely.  Thank you. 

• Initial Complaint

  Date:08/22/2023

  Type:Product 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.

  North American Senior Benefits sent me a letter with a $5 check and stated there was no obligation and that the check could be cashed. After depositing the check, I received an un- solicited visit from salesmen. The third visit occurred 8/21. After admonishing the gentleman for coming to my home un announced, he showed me my signature from the check. My fear was that my signature could be used for fraudulent means and asked him never to contact me again.

  

  Business Response

  Date: 08/24/2023

  Good afternoon, we apologize for the experience you had with our agent.  The checks we send out state that someone may be in contact with you about insurance, but you are under no obligation to purchase anything.  We also monitor and limit who has access to the signature from your check, and it is only used in order to verify that it belongs to you when an agent visits.  We will immediately delete your information from our system so that you are not visited again as well as the check image so it is no longer stored in our database.  We take privacy concerns very seriously and will work to make sure your wishes are adhered to. Thank you for bringing this to our attention!

  Customer Answer

  Date: 08/25/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. If there are any improprieties after this resolution, I hold the right to seek legal counsel.
  
  Sincerely,
  
  ***************************

• Initial Complaint

  Date:08/20/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore 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 Tuesday August 15th at around 6:45 pm Eastern a ****************** Broker named *********************** came to my apartment and insisted that he needed to talk to me about ************** I told him that I was not interested but he stuck his foot in my door and basically told me a HUGE LIE THAT ********************* OK'D HIS ENTRY TO THE BUILDING to discuss life insurance to all of the tenants to make a long story short by the time this guy left my apartment he acquired a wealth of personal information from me I cannot believe that I of all people fell for it!! This company is extremely shady and 5 days later I am following my gut this company needs to REMOVE ALL OF MY INFORMATION FROM THERE DATABASES IMMEDIATELY! I really, really hope that some one will file a class action suit against you and all of you need time in the federal pen!!

  

  Business Response

  Date: 08/24/2023

  Good afternoon, we apologize for the experience you had with our agent and will investigate the matter further.  We will also delete your information immediately from our database so you are not visited again.  We take these concerns very seriously and will work to make sure other seniors don't have a similar experience.  Thank you for bringing this to our attention!

  Customer Answer

  Date: 08/28/2023

   
  Complaint: 20497670
  
  I am rejecting this response because:
  I am also owed ***** your agent *********************** charged to my bank account please return all monies. Lastly I actually spoke to ******* and he admitted he signed me up for your services on purpose and he did so under false pretence I want all money back and all my information deleted and I am doing all I can to ensure that ******* loses his license to sell insurance and I have filed a police report so once again the only way to make this matter correct is a refund and all my information is deleted.
  Sincerely,
  
  ****** ` *******

  

  Business Response

  Date: 08/29/2023

  Thank you for providing that information.  We will be investigating this matter further and the actions of this agent.  As a brokerage, premiums do not get collected by our company but are paid directly to the carrier that policies are issued by.  Whichever carrier that is would be the company to speak to regarding a refund.  If you let us know which carrier the policy was written under, we can provide you with contact information.  We take the allegations of misconduct by our agents very seriously and I assure you it will be investigated fully and the agent terminated if found to have acted fraudulently.  We expect our agents to adhere to insurance law and to represent our brokerage with Integrity.  We sincerely apologize you had this experience and will help you however we can.  Please let us know if you need contact information for the insurance carrier, and we will send that asap.  You may also email us at *************************** or call us at ************ for immediate assistance with this.

• Initial Complaint

  Date:08/13/2023

  Type:Product Issues
  Status:

  AnsweredMore 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.

  North American Senior Benefits calling from spoofed, verified number ************ ******* shows nothing but robocall entry for this "verified" number). Answered, no response, waited, heard a beep, ME female said, "hello, my name is ****. I'm with North American Senior Benefits, how are you". I asked where are they based. **** said, "well, North American Senior Benefits is located in *************, **, that's where our headquarters are, but we have agents all across the country, sir. *** the reason why I am calling you is to inform you of the new final expense insurance plan, which is deigned to cover 100% of your funeral expenses. You may have seen some of our ads on the ** or received a card in the mail about it". Said I haven't seen either. **** just hung up mid-sentence. Same script from earlier call from "Senior Benefits".. 26 documented/recorded calls from Senior Benefits/North American Senior Benefits. Number has been on the National DNC since 2007 and the ***** DNC since 2021.

  

  Business Response

  Date: 08/16/2023

  Good afternoon.  We sincerely apologize that you are having this experience. These calls are not coming from our company.  Over the past few months, we have been alerted to a third party that has been using our name to make these calls.  We are working with law enforcement and our legal counsel to determine the identity of the party making these calls.  However, given the ease in spoofing numbers, this has been difficult.  If the complainant is willing to provide additional information, such as the date and time of some the calls,what number was identified in the caller id for the caller and the number that was called, we can provide that to our investigative team.
  
  North American Senior Benefits, *** takes full compliance with the **** and related laws and regulations very seriously.  We are working diligently to the extent we can to help stop these calls.

  Customer Answer

  Date: 08/16/2023

   
  Complaint: 20464471
  
  I am rejecting this response because: of the lack of the information in the response. I am willing to provide any and all information, including recordings, but the company would first have to supply the law enforcement agency and active  report numbers to verify this is a current investigation. All informational details of the call were supplied to the ***/National Do Not Call Registry/Report Unwanted Calls via their online form. I am not sure if you would need to file an open records with the **** or the *** reaches out to you directly, or the law enforcement agency contacts me or the ***. Is all this alleged spoof information on your webpage? Have you gone to the news media about the copyright name use issue?
  
  Sincerely,
  
  *************************

  

  Business Response

  Date: 08/17/2023

  Our legal team is working with investigators on the matter.  What I can do is give you our lawyers information so that you can obtain the information you are requesting from them as it is an ongoing legal matter.   *************************** is the contact and his information is: **************************************************, O: ************ | M: ************

  Customer Answer

  Date: 08/17/2023

   
  Complaint: 20464471
  
  I am rejecting this response because: you and/or your attorney should have access to my information. You stated if I wanted the information, I could, but it was you that asked for the information. If you the company) are truly interested in my information, then the law enforcement numbers could have been supplied, as one has 7 days to respond. If the company would like my ****** then legal can contact me and provide the requested information.
  
  Sincerely,
  
  *************************

• Initial Complaint

  Date:08/09/2023

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore 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.

  Ok so i just received a check for $5.00 from North American Senior Benefits. LLC in the mail. I had never heard of this company before so I decided to get information online. I am a firm believer NOTHING, in This life is free from all the reviews whoops my bad RECENT REVIEWS NO THANK YOU, sounds like a true NIGHTMARE life is too short to be stalking individuals, trying to get them to sign on to your insurance $5.00 check has been tore in half.

  

  Business Response

  Date: 08/16/2023

  We apologize that you do not wish to receive marketing materials from us.  We will immediately remove your information from our system!

• Initial Complaint

  Date:08/05/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore 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.

  This incident happened on 8-04-2023 a woman by the name of *********************** came to my home stating i had reached out to her. I have never seen this woman nor told her to come to my home. I have been looking for life insurance but I have not ask any one to come to my home, she was very persistent. This is beyond solicitation. To just show up unannounced and state false statements that I invited her to my home to come and harrass me. This is clearly harassment. If she continues to come to my home I will get authorities involved.

  

  Business Response

  Date: 08/07/2023

  We apologize for the experience you had and will encourage our agent to call to make appointments with customers prior to contacting them directly at the door.   We will also remove your information from our system so that you are not further contacted by agents.  Thank you for bringing this matter to our attention!