Business Profile
Insurance Companies
Physicians Mutual Insurance CompanyHeadquarters
Complaints
This profile includes complaints for Physicians Mutual Insurance Company's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 58 total complaints in the last 3 years.
- 18 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:04/07/2025
Type: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.
see Attached document
sent a demand letter
Business Response
Date: 04/16/2025
Physicians Mutual Insurance Company investigates and responds
to all consumer complaints. We will reach out directly to the complainant
regarding our handling.Initial Complaint
Date:03/27/2025
Type: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.
I have made MULTIPLE requests to be removed from your mailing list. Today, I received more mail. I’m not interested in your insurance, don’t want your mail and don’t want you sharing or selling my information. Stop the harassment!Business Response
Date: 04/04/2025
******* ***ch has been added to our suppression list and removed from any future mailings.
Thank you.
Customer Answer
Date: 04/05/2025
*
********** *******5
I am rejecting this response because: I was told this before and continue to receive mail. Do not send solicitations, or share or sale my information.
Sincerely,
******* ****hBusiness Response
Date: 04/15/2025
We have suppressed Dorothy Finch's name and address in our database and has been removed from any future mailings.
A letter was mailed out on 4/1 confirming these details. No other letter will be sent, as requested.
Thanks.
Customer Answer
Date: 04/16/2025
***
********** ******
I am rejecting this response because:
I will believe it when I see it. Do not share, rent or sale my information on your lead generator lists.
Sincerely,
******* *****Initial Complaint
Date:03/19/2025
Type: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 complaint is being filed due to several recent months of misinformation, misappropriation and mishandling of the policy.
In late 2024, we got notified that some payments were missed starting around July.
We have talked to them at least 3 different times since etheir late 2024 letter in 2024-2025, and each and every single time we fulfilled what they stated were required , including mailing/faxing requests , sending back checks they sent us, this occured at least 3 times .
Most recently, a lead was talked to in January whom assured that if we sent a note requesting reinstatement through fax it is treated same as application and this was option to do instead of enduring longer processing times through mail.
Immediate actiion was taken to do exactly what they asked for; sending the resinattement request via fax on jan 29 and sending payment for the amount they said to send,
Today a letterwas received for the 4th time sending the check back, Today a call with J****** said that despite us mailing fee/faxing everything to regain the $10,000 addtional rider was due to the fact that they did not process the reinstatement until late february, thus forth causing us to now be past the 6 month window limit.
They have not supplied stisfactory answers as to why we continue to take all actions needed to fulfill reinstatement, offer no help on what has to be done to prevent this pattern from repeating, only offering things are worked in order received.
Please get this to the department director for help.Business Response
Date: 03/27/2025
Physicians Life Insurance
Company investigates and responds to all consumer complaints. We will reach out
directly to the complainant regarding our handling.Customer Answer
Date: 03/27/2025
********** ********
I am rejecting this response because:
Lets keep this open until verified resolution has been acheived.
Sincerely,
***** *****Business Response
Date: 04/08/2025
Physicians Life Insurance
Company investigates and responds to all consumer complaints. We have reached out
directly to the complainant regarding our handling.Initial Complaint
Date:03/10/2025
Type: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.
I have repeatedly sent letters and faxes requesting the cancellation of this coverage, yet I am still being charged every month. I originally signed up in December 2023 but later discovered that my dentist does not accept this plan. Despite being assured multiple times that I would no longer be charged, the charges have continued for four months.Business Response
Date: 03/20/2025
Physicians Mutual Company
investigates and responds to all consumer complaints. We will reach out
directly to the complainant regarding our handling.Customer Answer
Date: 03/20/2025
Complaint: ********
I am rejecting this response because:
Sincerely,
***** *******Initial Complaint
Date:02/05/2025
Type: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.
I took out a loan on an insurance policy in 2010. The interest on the loan was 7.4% annual. I have been charged almost 8% on this loan for 15 years! I called and asked for an explanation and they treated me like I was stupid. I need an investigation of this company to see if this is legitimate.Business Response
Date: 02/14/2025
Physicians Life Insurance
Company investigates and responds to all consumer complaints. We will reach out
directly to the complainant regarding our handling.Business Response
Date: 03/04/2025
Physicians Life Insurance
Company investigates and responds to all consumer complaints. We will reach out
directly to the complainant regarding our handling.Customer Answer
Date: 03/05/2025
This is the history of my loan. In 2021 I paid $554.75 -loan payment. This is half of what I owed. I made payments every year after from 2022-2023. Loan interest due for January 2025 is $167.64. I don't agree with the loan balance and I think this should be amended.Initial Complaint
Date:02/01/2025
Type: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 traditional annuity IRA contract with Physicians Mutual. I converted it to ROTH IRA back in March of 2024. Called the customer service to inquire about 10-99R form for income taxes. ROTH conversion is a taxable event even if there are not funds withdrawn. My tax adviser insists in getting this form from Physicians Mutual to avoid IRS penalties. Customer service stays that the tax document will not be issued because no funds were withdrawn. I insisted in talking to the tax department, the request was denied. Vladimir, manager, promised to contact them and get back to me early next week. Physicians Mutual annuity contracts are not allowed to access their policy documents, tax forms online. We depend on the incompetent customer service to deal with our time sensitive IRS documents.Business Response
Date: 02/06/2025
Physicians Life Insurance
Company investigates and responds to all consumer complaints. We will reach out
directly to the complainant regarding our handling.Business Response
Date: 02/13/2025
Physicians Mutual spoke to the customer and faxed her 1099R tax document to her tax advisor per her request.Customer Answer
Date: 02/18/2025
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.
Sincerely,
***** **********Initial Complaint
Date:01/14/2025
Type: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.
Breach of contract. I was informed that I would not be getting all of my money back with interest , as stated in my policy.Business Response
Date: 01/22/2025
Physicians Life Insurance
Company investigates and responds to all consumer complaints. We have reached out
directly to the complainant regarding our handling.Initial Complaint
Date:12/19/2024
Type: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 Dec 18, 2024, I called to because I was trying to use their website and was logged out in the middle of trying to see EOB. I called ************ for customer service. After holding for 20 minutes a rep answered. I told her what happened, she said she had to transfer me to tech support. After holding again for 30 minutes a rep answered. He walked me thought to get back on their website. Finally was able to see EOB. I had a question about what they paid. He said he had to transfer me to Claim dept. Again, I held for over 30 minutes. Rep said according to my policy they pad the max. He said there is a Premium policy I could upgrade for better coverage. I thought that I had Premium coverage. He said at the time I enrolled (08/26/2022) I did have the best coverage they offered. I asked why wasn't I told they had added a better policy than I had. He said because I would have to cancel my current policy and start over with a new policy. This meant that I would have to wait another year before I could have any surgeries, which I have one scheduled in Jan 2025. The is a GRAVE incontinence with I dental health. Since I was already an established policy holder, payments made on time, I should not have to put my dental health on hold for a year. I already established the 1 year hold with my current policy. THIS IS WRONGFUL FOR PHYSICIANS MUTUAL TO TAKE ADVANTAGE OF THEIR POLICY HOLDERS AND ALL THEY ARE DOING IS DRAGGING OUT MY MONTHLY PMT OF $50 WHILE PREVENTING ME SURGERY THAT I NEED NOW. I KNOW I AM NOT THE ONLY ONE THAT THIS HAS HAPPENED TO. ALL I WANT IS A POLICY THAT I CAN TRUST. I SHOULD BE ABLE TO UPGRADE WITHOUT CANCELLING MY POLICY.Business Response
Date: 12/27/2024
Physicians Mutual Company
investigates and responds to all consumer complaints. We will reach out
directly to the complainant regarding our handling.Initial Complaint
Date:11/30/2024
Type: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.
Physicians Mutual stated the premium for the Premier Coverage is $56.50/month for someone in Florida. That is all well and good, but when I went to enter payment information, they state "You can get a $3.00 discount by choosing Automatic Bank Withdrawal." I chose that option, but the premium did not change.
When I call to inquire about this, I was told that I would have been charged $59.50 had I chosen to pay by credit card. That is ridiculous. If that was the case, then the statement on their website should have read, "There will be an additional $3.00/month service fee if you use a credit card to pay the premium."
Unless the representative (who was certainly pleasant enough) was mistaken, this is clearly a deceptive practice. My premium should only be $53.50/month.
I want my premium adjusted to the correct amount: $53.50.
Thank you.Business Response
Date: 12/11/2024
Physicians Mutual Company
investigates and responds to all consumer complaints. We will reach out
directly to the complainant regarding our handling.Customer Answer
Date: 12/27/2024
Complaint: ********
I am rejecting this response because, while I appreciate the direct effort of the business to communicate with me, this issue (what I consider a deceptive practice) needs to be addressed in a public forum on the BBB site. When signing up for their dental insurance, Physicians Mutual, states, "You can get a $3/month discount by choosing Automatic Bank Withdrawal." In fact, you will pay an additional $3/month if you choose to use a credit or debit card. The misleading statement needs to be corrected. BBB should press the company to remedy the misstatement, unless the BBB supports such misrepresentations by its members.Thank you for your attention to this matter.
Sincerely,
********* ******Initial Complaint
Date:11/14/2024
Type: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.
see attached
I writing you out of frustration with the "customer service" (intentionally in quotes) from Physicians Mutual Insurance of Omaha. When I bought my Medicare supplement policy in 2018 I had a number of questions after I bought it. I placed numerous calls to my "agent", asking for a return call. After getting no response I went to their office in ********, where I bought my policy, and complained about the lack of response from that agent. The response from the office manager "We get a lot of complaints like that about her." (She is still working there!)
Frustrated about the constant increase in my premi_ums, and advised in the letter to contact my agent if I had questions, I drove to the ******** office for answers. When I got there the office was dark. A woman from another office explained "That office is closed. It's not there anymore." I learn that, not via a courtesy email, phone call, a letter -but from a worker from another office. Apparently my $1,200 a year in premium isn't enough to pay for a postage stamp. I have nothing better to do than drive to an empty office on a work day!
More than two months ago I wrote a letter to ****** ***** President and CEO, sent it certified, explaining my frustrations and the need to talk to someone to change my policy, or get other options for a lower premium since I am on a fixed income. To this date not a response. I called the "customer service" number seven weeks ago and the agent apologized and assured me someone would call. I waited two weeks. No call.
I called again. The woman said there was a "mistake" and my request was incorrectly coded for a new policy and, yes, someone would call me "for sure." Within a few days. I told her I work and I need the agent to leave a name and return phone number. * told her if no answer is left I don't' return calls to numbers I don't recognize. I am sure the BBB understands and agrees the reason why. She assured me a message would be left.
We are now a month from that last phone call. No calls. No way to drop by policy, or alter my policy, or get answers about my policy. But *** has no problem taking $112 out of my bank account on the 5th of every month. I am beyond infuriated. Six years and not a letter, postcard, email, phone call unless it's about a rate increase. No response to a certified letter to the president. No promised phone calls after seven weeks. There is no customer service at Physician's Mutual. Only empty promises. And I need something done. (All notes about my frustrat are in the computers of the folks I spoke to at their headquarters.)
Respectfully, *** ********* **** ****** ***** Omaha, NE 681Business Response
Date: 11/22/2024
Physicians Mutual Company
investigates and responds to all consumer complaints. We will reach out
directly to the complainant regarding our handling.
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