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Business Profile

Insurance Companies

American Income Life Insurance Company

Complaints

This profile includes complaints for American Income Life Insurance Company's headquarters and its corporate-owned locations. To view all corporate locations, see

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American Income Life Insurance Company has 307 locations, listed below.

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    Customer Complaints Summary

    • 839 total complaints in the last 3 years.
    • 351 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:03/10/2025

      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.
      In August 2024 the insurance company was in contact with my dad through his union. Their agent told my dad he needed to speak with his children so they were aware of what to do if something happened to him. I spoke with the agent and was mislead by him by signing a document that I believed was something he needed for my dad. I do not have a steady income and would never sign up for something I cant afford. In Nov 2024 I **** the policy with a post**** of Nov 18 and had a wrong address. If I had rcvd information that I was signed up for this I would have canceled. They refuse to refund me claiming I had 30 days and I signed the contract, I **** no notice until 3 months later after they deducted the payments. Enclosed are 3 documents, 2 proving the incorrect addresses and the 3rd is proving the post **** date of Nov 18th. The one letter came with the policy and is dated Sept 17 congratulating me on the policy and making me aware of the monthly ACH, however i did not receive it until 3 months later. I do not frequently check my account because again I do not currently have a job. I have tried to contact them multiple times and have done everything they asked to receive a refund and they refuse. I feel that I was scammed by this company. Please help me with my refund.Thank ********* Dooley

      Business Response

      Date: 03/25/2025

      We would like to thank Mr. ****** for reaching out to our office regarding this matter.  Per our records, the policy was issued as applied for and was cancelled in January 2025.  As coverage was in place during the life of the policy, no refund is due.  Please let our office know if we can be of further assistance.

      Customer Answer

      Date: 03/28/2025

      I am rejecting this response because:   AIL is very deceiving and a dishonest company. Its clear they are not an honest company, with the evidence of the dated and post marked letters along with incorrect addresses. But, they did conveniently manage to get the banking information correct. I will make that a known fact so more people do not get taken advantage of. I really hate to see how many people they have taken advantage of.

      Business Response

      Date: 04/07/2025

      Per our records, the policy was issued as applied for and was cancelled in January 2025.  As coverage was in place during the life of the policy, no refund is due.  Please let our office know if we can be of further assistance.
    • Initial Complaint

      Date:03/09/2025

      Type:Service or Repair 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 helped my son request cancellation of life insurance policy on 11-21-24. Was billed $88.96 twice after the requested cancellation. Spoke with company who did verify that the police was in fact cancelled on 11-21-24. They just accidentally left it on auto pay. Requested refund for payments that were billed after cancellation that company has documented. **************** reports that a manager has to do that No refund to date.

      Business Response

      Date: 03/20/2025

      We would like to thank Ms. ****** for reaching out to our office regarding this complaint.  Regarding policy ********, this policy has been cancelled as of the paid to date of 11/21/2024 and we will be refunding 2 months of premium payments that were drawn from his bank account after that date.  The total amount refunded will be $177.92 and will be deposited via ACH deposit by Monday, March 24th, 2025.  Regarding policy ********, this policy was cancelled as of the paid date of 12/14/2024 and no further bank drafts occurred after the cancellation date of 11/21/2024, therefore no refund is due for this policy.  Please let our office know if we can be of further assistance. 

      Customer Answer

      Date: 03/21/2025

      I have reviewed the business response and accept this resolution. 
    • Initial Complaint

      Date:03/09/2025

      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.
      I have been receiving calls multiple times a day for months, and yesterday I received one while in the car. I didn't answer, he then texted and called back immediately. As soon as I answered I informed him I was driving and didn't have time to deal with this. He was beyond pushy and started a ****** meet video. Kept pushing for my info and then sign a docusign because supposedly my policy was only part whole life and he wanted to make it whole life for an additional 80 a month. I got home and looked through the paperwork and he LIED! Not only is some of the information not correct, but I knew my other policy was already converted to whole life 3 years ago. So, he just fraudulently sold me another policy, and the information didn't even match my previous paperwork to include my husbands policy like he said it did! Again, I had told him I was driving, so he asked my passemger to just click through the docusign. I pulled over to start reading and realized some of the info wasnt even correct. He even asked for phone numbers for my beneficiaries so he can call and try to pressure sell them into policies. I s stuck on the phone in the parking lot of the store, never even got to go in because he was so pushy. This is a disgusting tactic, and I'm horrified that these people continue to operate this way, its like a pyramid scheme for selling policies. This is horrible customer service! I immediately tried to contact *** to cancel ALL policies and get refunded, but it was Saturday. Now, I have to wait until tomorrow morning and call first thing, and also put stop payments on my account!

      Business Response

      Date: 03/14/2025

      We would like to thank Ms. ***** for reaching out to our office regarding this matter.  Policies ******** & ******** have been cancelled and surrendered per the insured's request.  Please allow 7-10 business days for this process to be completed and any available refund to be issued.  Please let our office know if we can be of further assistance.  

      Customer Answer

      Date: 03/21/2025

      I am rejecting this response because: I still haven't received the cancelation papers or any cash value back! 

      Business Response

      Date: 03/24/2025

      Checks were processed and released on policies ******** and 71 on March 17, 2025.  The insured should have them shortly.

      Customer Answer

      Date: 03/26/2025

      I am rejecting this response because: I originally called on the 10th to cancel the policies, and it's been well over 10 business days. I have yet to receive any cancelation documents or checks. They made sure to send a bill for my husband's policy immediately. I had already called my bank and put a stop payment on my account because I knew they'd keep taking the money based off all the reviews and complaints ALL over the internet! I will accept their response when I receive my cancelation documents and check, until then, this complaint will stay open! 
    • Initial Complaint

      Date:03/08/2025

      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.
      I got this insurance by recommendation of a friend a few years ago. Since then Every 6 months they call me to "Review my policy" If I don't answer the 'Unknown' number they call again and again and again. They leave no Voicemail and no text message and if I do answer they attempt to set up an appointment where Someone tries to sell a new policy on top of my existing one. This past week I have gotten over 30 calls. This is a Harassment policy not, an insurance policy. I have at 3 separate instances in the past asked to be placed on a DO NOT CALL list. It does nothing but put me on a timer it seems. I had to set up an appointment with one of their agents just to ask them to cancel my policies and ensure I am never contacted by them again. We'll see if that request is respected.

      Business Response

      Date: 04/08/2025

      We would like to thank Mr. ***** for allowing us to respond.  As requested,we have added Mr. ***** contact information to our internal Do Not Call list and have asked the office that handles his area to mark their records accordingly. In addition, we have worked with Mr. ***** directly and have cancelled his policies as requested.

      We hope to have addressed Mr. ***** concerns. 
    • Initial Complaint

      Date:03/07/2025

      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.
      It started out simple enough, the company called me about an annual "review" and pressed how "Urgent" this meeting was. Because my wife pays on the policies, I told them that I had to consult with her. They insisted I set something up and so I did. When I finally had a chance to talk to my wife, the appointment wasn't going to work so I told them I needed to discuss it further and get back to them. They didn't accept that either and insisted I make an appointment so I did. (very high pressure, are you picking up the vibe?)The day came around and my wife had a migraine and couldn't make it, so I cancelled. They insisted I reschedule another meeting. They were constantly trying to set a meeting without letting me and my wife discuss it first. The final straw was 03/07/2025 when they called my wife's number 5, yes FIVE times and 3 of those calls were one right after another,. When my wife didn't answer, they started calling my number and also called several times in the same day! - They were WORSE than a stalker! I'm just mad as h*** about it now. I told them to never call me again after that, and WE ARE THEIR CUSTOMER! If I wasn't already invested in this company, I'd tell them to shove their policy based only on the absolute harassment I received from them.

      Business Response

      Date: 03/26/2025

      We would like to thank Mr. ******* for allowing us to respond.  As requested,we have added the contact information for him and his household to our internal Do Not Call list and have asked the office that services his area to mark their records accordingly. 

      We ask that he allow up to 7 business days for this change to go through our system during which he may be contacted. In the event that occurs we ask that he kindly inform the caller that he has been added to the list and to discontinue contact.  ************** wishes he may provide the callers name and phone number so we can address it on an individual basis. 

      We apologize for any inconvenience this situation has caused him and hope to have resolved his concerns.  

      Customer Answer

      Date: 04/02/2025

      I am rejecting this response because:   

      I demand an acknowledgment of what this business did to harass my wife and I and a personal written apology to my wife and I. 
      The unprofessionalism was WAY over the top and was almost to a criminal level of harassment. 

      There needs to be a severe change in your corporate culture. 

      This should NEVER be allowed to happen and the people responsible should be fired. 

      Bullying people is wrong. 

      Business Response

      Date: 04/24/2025

      We would like to thank Mr. ******* for allowing us to respond.  As requested,we have added the contact information for him and his household to our internal Do Not Call list and have asked the office that services his area to mark their records accordingly. 

      We ask that he allow up to 7 business days for this change to go through our system during which he may be contacted. In the event that occurs we ask that he kindly inform the caller that he has been added to the list and to discontinue contact.  ************** wishes he may provide the callers name and phone number so we can address it on an individual basis. 

      We apologize for any inconvenience this situation has caused him and hope to have resolved his concerns.  

      Customer Answer

      Date: 04/24/2025

      I am rejecting this response because:   

      They have done nothing to apologize or take corrective action for the harassment my wife and had to endure. 

    • Initial Complaint

      Date:03/07/2025

      Type:Service or Repair 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.
      This complaint against American Income Life is because of a policy issue that occurred and the lack of transparency and accountability by the agents involved. The issue occurred when a specific agent for American Income Life made obvious mistakes to a policy change. Other agents and representatives have acknowledged that mistakes were made by the agent in question. I have attempted to resolve this issue with AIL agents but now find that they are being very evasive and are deliberately avoiding communication as this policy issue is time sensitive. There seems to be deliberate deception about the mistakes that were made and the agent in question.

      Customer Answer

      Date: 03/27/2025

      This is to inform you that I am withdrawing my complaint against American Income Life. The company reached out to me directly and a mutual agreement was reached on the issue at hand. Thank you for your attention in this matter.
    • Initial Complaint

      Date:03/07/2025

      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.
      Dear Better Business Bureau,I am writing to formally notify you that American Income Life (AIL) has failed to comply with the BBBs decision to refund my money, despite my full cooperation in following their instructions.Summary of the Issue:The BBB determined that AIL must issue my refund, and I followed their process accordingly.Per AILs request, I submitted a handwritten letter requesting that my refund be sent via check to my mailing address.AIL confirmed receipt of my letter, yet on January 8, 2025, they deposited the refund into my closed bank account instead of mailing the check as requested.The bank has refused to return the funds to AIL due to a dispute with the account.AIL is now telling me to call the bank and ask them to release the funds, which is not my responsibility.This Is unacceptable as I followed every instruction given to me by AIL.The BBB already ruled in my favor, and AIL has not properly executed the ********* is not my responsibility to fix their mistake with the bankthey must issue a new check as originally requested.AILs refusal to take proper corrective action is a clear attempt to delay or avoid refunding me as required.Requested Action:I am requesting the BBB to:Follow up with AIL to demand immediate compliance with your ruling.Hold AIL accountable for their improper handling of this refund.Ensure that AIL mails me a new refund check to my correct mailing address as they were originally supposed to do.This ongoing issue is completely unfair and unethical, and I expect a resolution without further delay. I appreciate the BBBs continued assistance in ensuring businesses adhere to their commitments. Please let me know the next steps to ensure this matter is resolved appropriately.The code to my case # ******** when the information was forwarded to me on 09/18/2024 is 695713220EF91.Sincerely,******** K. ******

      Business Response

      Date: 03/24/2025

      We would like to thank Ms. ************* for reaching out to our office regarding this matter.  Per our records, the amount of $502.40 was deposited via ACH deposit on January 8th, 2025. On January 27th, 2025, our office was advised by the insured that the funds were supposed to be sent in the form of a check and not deposited into her account.  ********** attempted to reclaim the funds from the bank on January 29th, 2025. The bank denied reclaim for no account found but the funds were deposited into that same account.  Internal notes reflect that our *** advised the insured they could do a three-way call with the insured and the bank to attempt to reclaim the funds but the insured denied the offer. 

      In order to properly allocate the funds, our office will need some documentation showing what the bank did with the funds that were ACH deposited into the insureds account on January 8th, 2025, or, we would be happy to have one of our ***s join the insured on the proposed three-way call with the bank to attempt to sort out the issue. 

      Please let our office know if we can be of further assistance.

      Customer Answer

      Date: 03/25/2025

      I am rejecting this response because:   

      I am writing to inform you that I am not satisfied with the response provided by *** regarding the ongoing issues with this insurance policy. After carefully reviewing their communication, I feel the company has failed to take responsibility for their errors and is misrepresenting key facts in an attempt to shift the blame onto me. Where are proofs of ***'s documentation? They only tried to blame me for their errors and they lied. That's sad for a company that makes millions to stoop so low.  

      Misrepresentation of Communication Timeline: AIL claims that they only learned on January 27th, 2025, that I wanted the funds to be issued via check. This is false. I have provided solid proof, including emails and I've made over 40 phone calls over the months. The emails and the letter shows I explicitly requested a mailed check long before January 2025. In September 2024, I was instructed by their representative to send a letter requesting the check be mailed to my home, which I promptly did via certified mail. I have an email showing I followed up asking if they had received the letter, and when I did not receive a response, I called to follow up and was assured that the letter had been received. This means I had requested the check to be mailed at least since September 2024far before their claim in January 2025 that they were only made aware of my request.

      Failure to Honor My Request for a Mailed Check: Despite my repeated requests, AIL failed to follow through on my instructions, and the funds were erroneously deposited into an account that had already been closed due to fraudulent activity. This mistake was made by an employee who did not adhere to the clear instructions provided in my records. Furthermore, their response to this issue continues to ignore the fact that I requested the check to be mailed, as evidenced by my certified letter and phone calls. They have not acknowledged their own mishandling of this situation.

      Unwarranted Blame for Bank Reclamation Efforts: AIL claims that I refused to assist with reclaiming the funds from the bank. However, the company was fully aware that the account had been closed due to fraudulent activity, and no further action could be taken. I have consistently communicated this, and yet they have painted a negative picture, suggesting that I am at fault. The reality is that I did everything I was instructed to do and more, to resolve this issue.

      Failure to Inform Me About the Policy for Five Months: The policy did not arrive until June 2024. When I was notified via email in late May 2024, I inquired about the policy, I learned that it was actually issued in January 2024 (email included in the documentation sent earlier in this complaint encounter). This means AIL held the information from me for five months before deciding when they wanted to debit my account and inform me of the policy. This goes against the proper procedures of any insurance company. An insurance company would never allow someone to have a policy for five months and they wait for the for the person to make the payment when they chose to. They would cancel the policy. However, AIL chose to put the policy on me without informing me for months then debited my account before informing me by email or phone call. This lack of transparency and failure to communicate in a timely manner is completely unacceptable.

      Lack of Accountability: In their response, AIL has not taken responsibility for any of the errors they made, and they continue to inaccurately depict the situation. Their failure to acknowledge the mistakes made from the beginning of this process, along with their refusal to accept any accountability, is unacceptable. 

      Fair Resolution Request: I am requesting that AIL:
      Acknowledge their mistakes and provide a formal apology for the miscommunication, mishandling of my requests, and delay in issuing my policy.
      Issue the refund in the form of a check, as originally requested, and mail it to my home address immediately.
      Take steps to improve their customer service and internal communication to ensure that such errors do not occur in the future.

      I have provided ample proof, including emails, the company has the certified letter, and has records of more than 40 phone records, that substantiate my claims. It is unfair for *** to continue misrepresenting the situation and refuse to take responsibility for their actions. I believe that it is only right for them to resolve this issue promptly and fairly.

      If the emails were reviewed, I'm sure you'd agree. Thank you for your attention to this matter. I look forward to your assistance in ensuring a fair resolution.
      Sincerely,

      ******** K. ******

      *****************************

      **************

      Business Response

      Date: 04/03/2025

      We would like to thank Ms. ****** for reaching out to our office regarding this matter.  Our office apologizes that we were not able to issue a check as requested by the insured.  The funds have been direct deposited to the bank from which the premiums were drafted.  As such we are not able to issue a check. According to the information provided at the time of application by ******** ******, she is the owner of that bank account.  Please let our office know if we can be of further assistance.
    • Initial Complaint

      Date:03/06/2025

      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.
      I started an inquiry in December 2024 for information on my life insurance policies. I have 4 with this company. I needed information to update and satisfy a court order that was part of my divorce. As much time went on, I had to purchase a new policy from another company to clear up my original issue. To date, I still have no good answers from the two representatives that I could reach. The main number is never answered other than to ask you to hold. Today I held for 35 minutes. Although an email on 11/30/2024 stated that all was taken care of, I was charged again for the two policies that I asked to cancel last month. The big issue is that I cannot make contact with this company, and they are taking funds that are not authorized payments anymore. Furthermore, they owe me funds from the cancelled policies

      Business Response

      Date: 03/21/2025

      We would like to thank Mr. ***** for reaching out to our office regarding this matter.  Policies ******** & ******** were cancelled as on March 5th, 2025 upon reception of the written cancellation request.  Policy ******** was surrendered and a check in the amount of $2,915.89 was mailed to Mr. ***** on March 5th, 2025.  Policy ******** was surrendered and a check in the amount of $117.54 was mailed to Mr. ***** on March 5th, 2025.  Neither check has cleared our account as on March 21st, 2025.  Please see the attached cancellation'surrender letters with checks attached as well as screenshots of our internal notes reflecting the checks being issued.  Please let our office know if we can be of further assistance.
    • Initial Complaint

      Date:03/06/2025

      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.
      This is a life insurance policy that was canceled. They are not sending the money back that is owed to us. They keep saying its in the mail. This started in October and it is now well passed. They have lied over and over again. I have sent them everything they want the money was to be directly deposited they claim to have sent a check. Its yet to be received.

      Business Response

      Date: 03/21/2025

      We would like to thank Ms. ******* for reaching out to our office regarding this matter.  Per our records, policy ******** was surrendered on January 22nd, 2025 and a check in the amount of $444.87 was mailed to the insured and cashed on February 18th, 2025. (See attached letter and screenshot)  As a courtesy, we have also backed off the automated policy loan and will be sending a check for the difference to Ms. ************** Please allow 7-10 business days for this request to be processed.  Please let our office know if we can be of further assistance.
    • Initial Complaint

      Date:03/06/2025

      Type:Order 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.
      Hi I'm ***** ******** I'm contacting you concerning a company called American insurance life, back in September 9, 2020 I was contacted by an agent name ****** from this company by a text message saying that my brother had got me a $2000.00 dollar life policy. now fast forward to November 2024 I lost my brother to cancer and when I called this company about the policy they lied to me and told me that the policy was not sign and that made it invalid then I contacted him again on March ****** and I explained to him that he was wrong, then he tried to get me to sign something that would change the policy over in my name at no cost to me.

      Business Response

      Date: 03/14/2025

      We would like to thank Ms. ******** for reaching out to our office regarding this matter.  In order to review this issue, we will need the insured's name and policy number.  Please provide this information and we would be happy to look into this incident.  Please let our office know if we can be of further assistance.

      Customer Answer

      Date: 03/14/2025

      Hello I'm ***** ********, I would like to withdraw my complaint, I have spoken with someone at America life ins and we have resolved our matter. I would like to thank you for your support. Sincerely, ***** ********. 

      Customer Answer

      Date: 03/17/2025

      Hello I'm ***** ********, I would like to withdraw my complaint, I have spoken with someone at America life ins and we have resolved our matter. I would like to thank you for your support. Sincerely, ***** ********. 

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