Reviews
This profile includes reviews for American Fidelity Assurance Company's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Review Ratings
Average of 52 Customer Reviews
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Review fromTravis G
Date: 02/11/2023
2 starsTravis G
Date: 02/11/2023
I tried to close an old annuity with this company. It's been two years and I'm still running the gauntlet. In that time the communication has been utterly dismal. They failed to respond to a direct request for months, shirking their fiduciary responsibility. In fact, they ghosted me. I had to call them, again, to re - initiate communication. The reps I've talked with have been fine people, but the stall 'em team lurking in the shadows has more excuses than ***** on rent day. It's a sick feeling. As it stands, the request form they *lost?* is now over 1 year old, so they're allowing me to request MY $ again. How gracious.
American Fidelity Assurance Company
Date: 02/20/2023
Dear ************,As a family-owned insurance Company with nearly 60 years in business we strive to maintain strong relationships with our customers. We are committed to providing quality insurance products and ******** care to our valued insureds.An audit of our records shows you called our office on April 15, 2022, inquiring about possibly doing a hardship withdrawal from your annuity account. Records do not show receipt of any distribution forms from you. We do show that you called into our office on February 10, 2023, inquiring about withdrawing from the account. Since no forms are on file from the previous year you requested to speak with a manager. Records show you spoke with a manager the same day and we explained that we will need a completed set of distribution forms to process your request. Records show that you called back again on February 10, 2023, to thank the manager for her work in getting this resolved for you. If you wish to discuss these matters in further detail, please contact our ******** Service Department at ************.Review fromArdavan H.
Date: 02/01/2023
1 starArdavan H.
Date: 02/01/2023
This is not an “ Insurance Company “, they just collect your money and incase you have a claim, all you get is run around. Last year I filed a claim for “ DISABILITY “ and after 10 months they are still playing games. They need to get hit with “ Class Action “ lawsuits. From all the reviews I see , I am not the only person they are doing this with. I am back and working and still no response from them. I have called them more than 500 times in the last 10 months, they are nice on the phone, but they are “ PROFESSIONALS” in playing games with you. I am just tired with these S.O.Bs.American Fidelity Assurance Company
Date: 02/13/2023
Dear ****************,As a family-owned insurance Company with nearly 60 years in business we strive to maintain strong relationships with our customers. We are committed to providing quality insurance products and ******** care to our valued insureds.In order to determine benefits, we must receive a complete application for benefits and all necessary records. On September 8, 2022, we received two of the three required sections of your claim for policy benefits, so the claim was incomplete at that time. On November 1, 2022, we received the third required section of your claim for policy benefits. After review of your claim, we found that additional information was required from your treating Physician to complete our review.In order for us to assist you in completing your application for benefits, we need an authorization from you for medical records release. On December 29, 2022, you provided an executed authorization, and we began requesting information from your treating physician on January 4, 2023. We have made multiple requests for information from your treating physician, however, no response has been received at this time. Upon receipt of the needed information, we will complete our review of your claim for policy benefits. Our phone records indicate you have contacted us on multiple occasions and during each call you were provided accurate information regarding the status of your claim and what information was needed to complete the file so that we could complete the claim review process. If you wish to discuss these matters in further detail, please contact our ******** Service Department at ************.Review fromStephanie C
Date: 01/14/2023
1 starStephanie C
Date: 01/14/2023
I have attempted to cancel my policy numerous times. I am getting runaround and blatant lies. I would never recommend this place. Zero stars!American Fidelity Assurance Company
Date: 01/23/2023
Dear ****************,As a family-owned insurance Company with nearly 60 years in business we strive to maintain strong relationships with our customers. We are committed to providing quality insurance products and ******** care to our valued insureds.After receipt of your customer review, we searched our records and did not locate any record of a ******************************* with the identifying information you provided, as a named insured on a policy or application with our company.If you wish to discuss these matters in further detail, please contact our ******** Service Department at ************.Review fromDenise R
Date: 10/14/2022
1 starDenise R
Date: 10/14/2022
out the entirety of my teaching career. I have been purchasing life insurance policies each year when we meet with a representative. At the beginning of September 2022, I received letters from the life insurance company that the policies were obtained from that my premiums had not been paid. Shortly after opening the letters, the district sent an email saying premiums had been sent to pay premiums. The next day I contacted the life insurance company and asked if they could tell me what was going on and the premiums had not been paid in a year. Last payment was in September of 2021. I reached out to American Fidelity and didn't get much information at first, then received an email statin that the premiums had not been pulled from my payroll due to a glitch in the file that was sent to our payroll department. The email stated that I had 3 options: 1; pay a little over $1100 to bring premiums up to date, 2: pay an additional $85 per month extra for 13 months to bring premiums up to date or 3: let the policies lapse and purchase again but at a higher monthly rate because I am older now. I let them know that these 3 options were unacceptable and that I didn't think that I should be responsible for the financial hardship of covering not only their glitched software but the life insurance company for waiting a year to notify anyone that there was a problem. I have 5 individual policies and 1 was still being pulled from my payroll but 4 were not. I asked to speak to a manager and he was very understanding and was as helpful as he could be. I explained how important these policies were, even though they were small, because I am a single mother of an adult special needs child and when something happens to me, my son will go live with his sister and that life insurance would help her accommodate for him until social security and teacher retirement were taken care of. Yesterday I received a call saying that the options given were all that could be done. Extremely disappointed!American Fidelity Assurance Company
Date: 10/28/2022
Dear ****************,Thank you for taking the time to share your views. As a family-owned insurance Company with over 60 years in business, providing protection for our insureds as well as ourselves is a top priority and we strive to maintain strong relationships with our ********s. We are committed to providing quality insurance products and ******** care to our valued insureds.We are sorry to hear your frustrations concerning your life insurance premiums. Based on the information available to us, when you purchased your new life insurance policy in September 2021 during enrollment, a billing error occurred that caused a premium shortage for your existing policies. Our records indicate that this billing error has been explained to you and you were offered numerous resolution options, none of which you believe were suitable for you. While we understand a billing discrepancy has occurred, we are only asking that you pay the premiums that are due for the policies under which you are covered. The missed premium amount reflects the premiums you agreed to pay when you applied for the coverage and are the premiums due for the coverage you have. Please know that we are taking actions to prevent a similar encounter. It is our goal for our customers, like yourself, to have positive experiences with American Fidelity. If you wish to discuss this matter in further detail, please contact our ******** Service Department at ************.Review fromJason C
Date: 10/07/2022
1 starToo many loopholes . i have several different policies that cover a wide variety of things except things i have been hospitalized for .have had 2 heart surgeries this year but critical illness policy doesnt cover that particular surgery ( i have a total of 7 stents ) i collapsed at work a few weeks ago went to er and they admitted me . 4 days of testing brain scans mris heart cath etc found nothing wrong changed some meds and still doing tests . called customer support and asked which one of my policies covered this . the rep told me the accident policy would cover it because i fell first . i questioned this because it wasnt an accident and the rep assured me it would be covered. so i filed claim and submitted paperwork. after the normal 7 days had passed i called again to ask if there was an issue . they told me no and assured me it would be covered which is same as first rep said . well it got denied so i have no idea what im paying $385 per month for ? they dont cover anything unless you almost die . i feel like i got ripped off . never use this company . i told HR at my work and they are considering not using them any longerReview fromSharon B
Date: 10/05/2022
2 starsSharon B
Date: 10/05/2022
Thus is the worst company ever. They love to take your money but if you try to file a claim, they fight you all the way. Please don't waste your money. Buy AflackAmerican Fidelity Assurance Company
Date: 10/20/2022
Dear ****************,Thank you for taking the time to share your views. As a family-owned insurance Company with nearly 60 years in business, providing protection for our insureds as well as ourselves is a top priority and we strive to maintain strong relationships with our ********s. We are committed to providing quality insurance products and ******** care to our valued insureds.We are sorry to hear your frustrations with American Fidelity. We reviewed our records and found that on September 23, 2022 and September 27, 2022 you submitted partial claim forms requesting benefits. On October 5, 2022, we advised you that the physicians portion of the claim form and an itemized bill was needed to complete our review of your claim. To date the physicians portion of claim and itemized bill have not been provided. Upon receipt of the requested documentation, we will complete our claim review and provide any applicable benefits based on your policy provisions. If you wish to discuss these matters in further detail, please contact our ******** Service Department at ************.Review fromJames G
Date: 09/27/2022
1 starJames G
Date: 09/27/2022
I pay for the cancer portion under my employers other benefits offered during our annual open enrollment. I've never used this insurance but after being diagnosed and providing a doctor's document that stated the facial skin cancer in both medical and layman's terms. I did call and did log on to file a claim. Initially the customer service rep told me that i qualified for a $250 dollar payment and some assistance with lodging if I uploaded a google map from my home address to the hospital where surgery was rendered. After that I kept receiving letters and explanations on the web portal that it was requested for the Drs. notes explaining the treatment. I did request another Drs. note through the veterans administration on the treatment but got discouraged that I never received any assistance whatsoever and had to deal with the cancer on my own. I can't wait to cancel this insurance coverage that i've been paying for years now during our open enrollment period and to remind other employees to beware.American Fidelity Assurance Company
Date: 10/12/2022
Dear ******************,Thank you for taking the time to share your views. As a family-owned insurance Company with nearly 60 years in business, providing protection for our insureds as well as ourselves is a top priority and we strive to maintain strong relationships with our ********s. We are committed to providing quality insurance products and ******** care to our valued insureds.We reviewed our records and found that you submitted a claim requesting benefits and we determined an itemized bill was needed to complete our review of your claim. Without an itemized bill, we are unable to determine applicable benefits under your policy. We mailed you five separate correspondence requesting the additional documentation. To date an itemized bill has not been provided. Upon receipt of the requested documentation, we will complete our claim review and provide any applicable benefits based on your policy provisions. If you wish to discuss these matters in further detail, please contact our ******** Service Department at ************.Review fromNicole P
Date: 09/20/2022
1 starNicole P
Date: 09/20/2022
Worst health savings account that I have ever had. Never had a problem with previous health savings accounts. They want itemized bills which really isnt any of their business! A regular bill showing amount owed and the fact that its was paid to a medical provider is all they need to know but they blame it on government regulations but no other company demands to have itemized bill! Account is always frozen! Do not recommend the is company at all!American Fidelity Assurance Company
Date: 10/05/2022
Dear ************************,Thank you for taking the time to share your views. As a family-owned insurance Company with nearly 60 years in business, providing protection for our insureds as well as ourselves is a top priority and we strive to maintain strong relationships with our ********s. We are committed to providing quality insurance products and ******** care to our valued insureds.Although your review mention ************** Account, it appears you are actually referring to the Healthcare Flexible Spending Account you have with us. Healthcare Flexible Spending Accounts (FSA) are health reimbursement accounts subject to very detailed rules under the Internal Revenue Code (***). Reimbursements from Healthcare FSAs may not be made unless documentation from an independent third party proving an eligible medical expense is received by the claims recordkeeper (in this case American Fidelity). To be an eligible expense, the expense must be within the applicable plan year, for a covered individual, and must be for a medical expense as defined by the **** Accordingly, a simple bill showing the amount owed from a medical provider will not include the information necessary to verify that it is an expense reimbursable by the FSA.Even when using a Healthcare FSA debit card to pay an expense, documentation proving an eligible medical expense must be provided after the card swipe except under specific exceptions because the information provided from the swipe does not include all required information. The *** rules require that if the proper documentation is not received, the Healthcare FSA debit card must ultimately be deactivated. Accordingly, our procedures are simply following *** requirements. If we fail to follow these rules, the tax-advantaged status of the employers plan is in jeopardy for all participants.In this case, it appears any required documentation has been provided and ineligible expenses have been resolved. We are sorry for any inconvenience the *** rules may cause.If you wish to discuss this matter in further detail, please contact our ******** Service Department at ************.Review fromLynda S
Date: 09/19/2022
1 starLynda S
Date: 09/19/2022
Their customer service is terrible. Have been on hold for over 45 minutes waiting for a customer service rep. This is unacceptable customer service!American Fidelity Assurance Company
Date: 10/04/2022
Dear ****************,Thank you for taking the time to share your views. As a family-owned insurance Company with over 60 years in business, providing protection for our insureds as well as ourselves is a top priority and we strive to maintain strong relationships with our ********s. We are committed to providing quality insurance products and ******** care to our valued insureds.We are sorry to hear your frustrations with American Fidelity. We reviewed our records and found that on September 19, 2022, you had an unsuccessful attempt speaking with a customer service representative. After receipt of your communication, we contacted you to assist in resolving your specific concerns. You explained that you reached out to your American Fidelity account manager, who was able to provide assistance and resolve your concerns. While it is our understanding that this situation has been resolved, please know that we are taking the actions to prevent a similar encounter. It is our goal for our insureds, like yourself, to have positive experiences with American Fidelity. If you wish to discuss this matter in further detail, please contact our ******** Service Department at ************.Review fromBarry C
Date: 08/23/2022
1 starBarry C
Date: 08/23/2022
Documentation , Documentation, and more Documentation required blaming it on the government. Other HSAs are much easier to deal with.American Fidelity Assurance Company
Date: 09/07/2022
Dear ******************,Thank you for taking the time to share your views. As a family-owned insurance Company with nearly 60 years in business, providing protection for our insureds as well as ourselves is a top priority and we strive to maintain strong relationships with our ********s. We are committed to providing quality insurance products and ******** care to our valued insureds.We reviewed our records and could not find a ************** Account (HSA) under your name. We did find a Healthcare Flexible Spending Account under the same last name in your zip code, so we are assuming that is the basis of your review. We do see a call about required documentation on August 9, 2022 and there was one denied claim because the merchant category code from the store where the card was used indicated that the item purchased was not an eligible medical expense. There are three other charges that have been approved indicating any required documentation has been provided.Healthcare Flexible Spending Accounts (FSA) are health reimbursement accounts subject to very detailed rules under the Internal Revenue Code (***). Reimbursements from Healthcare FSAs may not be made unless documentation from an independent third party proving an eligible medical expense is received by the claims recordkeeper (in this case American Fidelity). To be an eligible expense, the expense must be within the applicable plan year, for a covered individual, and must be for a medical expense as defined by the ***.Even when using a Healthcare FSA debit card to pay an expense, documentation proving an eligible medical expense must be provided after the card swipe except under specific exceptions because the information provided from the swipe does not include all required information. The *** rules require that if the proper documentation is not received, the Healthcare FSA debit card must ultimately be deactivated. Accordingly, our procedures are simply following *** requirements. If we fail to follow these rules, the tax-advantaged status of the employers plan is in jeopardy for all participants.In this case, it appears any required documentation has been provided and all expenses approved. We are sorry for any inconvenience the *** rules may cause.If you wish to discuss this matter in further detail, please contact our ******** Service Department at ************.
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