Complaints

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

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

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  American Income Life Insurance Company

  3700 S Stonebridge Dr McKinney, TX 75070-5934

  
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  American Income Life Insurance Company

  8321 E 61st St STE 221 Tulsa, OK 74133-1911

  
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  American Income Life Insurance Company

  901 Mountain Creek Rd STE 100 Chattanooga, TN 37405-4645

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  American Income Life Insurance Company

  101 5th St STE 206 Hollister, CA 95023-3925

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  American Income Life Insurance Company

  738 Highway 6 S STE 500 Houston, TX 77079-4041

  

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:03/06/2025

  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.

  I purchased a whole life policy through American Income Life in 2012. I bought this policy because I trusted my union ***** had vetted this company and they were reliable. The *** representative who sold me this policy specifically said that I could make changes if I experienced changing life/family circumstances. Sadly, my experience with AIL is that they give you the run around when you try to do so. When I purchased my policy in 2012, I was a fairly new homeowner with a large mortgage, so I purchased a policy that would pay off my mortgage in addition to giving my family $15,000 cash. In December 2024, I sold my home and moved into a property that is mortgage free. I notified AIL by certified letter in January of this sale and that I know longer needed that particular piece of coverage. On January 29, I placed a follow-up call and confirmed that my letter had been received and the change I requested was being made. My original premium was $77.07. I asked what my new premium would be after the change and was told it would now be $26.54. On February 21, AIL deducted $77.07 from my bank account instead of $26.54. Had I died on February 21, my beneficiaries would not have been able to file a claim to have my now nonexistent mortgage paid off nor would they have been paid a lump sum of cash equalling what would have gone to pay off my mortgage. So why is AIL still charging me for benefits they know theyre not going to pay out at my death? I logged into my online AIL account this morning, March 6, and am still not seeing that the change I requested has been made or that my premium has been lowered. I would like for the change I requested to be made, for my new premium to go into effect, and to be refunded the amount that Ive been overcharged. I dont believe that AIL will do any of these things without outside pressure from watch dogs. Thank you BBB for your assistance.

  Business Response

  Date: 03/14/2025

  We would like to thank Ms. ******* for reaching out to our office regarding this matter.  ********** did received a written request to remove the term rider for policy ******** in January, but due to an agent error the transaction was not processed correctly.  The term rider has now been removed and a refund is being issued reflecting the difference in premium payments.  Please allow 7-10 business days for this process to be completed.  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. I've checked my pending insurance payment and have confirmed that my premium is now the correct amount. I have not received my refund but trust that will happen. If not, I'll be reaching back out to the BBB for help.

• Initial Complaint

  Date:03/06/2025

  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.

  on or around february 14 2025 ******* ****** called me on my cell phone a to let me know that one of the insurence policies was available for a advancement of 40 thousand dollars. i have two policies with this ************************* ****** said to me that it will cost about ***** per month and we agreed to have it taken out on the 20th of each month. well long story short it was all a lie he gave me a 20 thousand insurence policy that cost 77 a month and i am not available advancement for 4 years according to their customer service. i have been with this ********************** for years now wand they call tro lie to get more money. i cant reach him by phone i left several messages now after calling me several times a day up to and past 9p he cant return my calls . this company really is a disappointment and lies to their customers. i am a widow raising 3 medical kids. for him to lie this way showes how much the compay dont care and only want money

  Business Response

  Date: 03/13/2025

  We would like to thank Ms. ******** for reaching out to our office regarding this matter.  A request has been submitted to the local ***'s office that handles Ms. ********** policies to reach out to discuss the insured's policies.  Please allow 7-10 business days for this request to be processed.  Please let our office know if we can be of further assistance.  

  Customer Answer

  Date: 03/13/2025

  My apologies but I want him to call me and apologize in the same amount of time it took him to open a account that way misleading 1 day..very hurt and upset by this 

  Business Response

  Date: 03/14/2025

  A request was sent yesterday to the office of the agent.  Please allow 7 business days for the agent to respond.

• Initial Complaint

  Date:03/05/2025

  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've told this company over 8 times that I'm not interested in their insurance and they continue to call and show up at my home. it's harassment to the fullest!! the last person to come by my home was **** ********.

  Business Response

  Date: 03/27/2025

  We would like to thank ***** ***** for reaching out to our office regarding this matter.  A request has been submitted to our Consumer Relations and Resolution Team to remove Mr. ***** from any internal database and cease all communications.  Please allow 7-10 business days for this request to be processed.  If any future communication occurs, please provide the telephone number and we will address this issue on an individual basis.  Please let our office know if we can be of further assistance.

  Customer Answer

  Date: 03/27/2025

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  Date:03/05/2025

  Type:Customer Service 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 having a hard time dealing with American Income life. I listed that I have aphasia and cant speak. Weve been playing games getting my account closed and me getting the cash buyout. I am getting frustrated. I have let the company know. They have not acknowledged me or this issue. I feel that they may be discriminating against me because of my lack of speech.

  Business Response

  Date: 03/12/2025

  6596851 We appreciate .****** ****** allowing us the opportunity to respond to this request.  Our records show that the surrender value was released by check on March 11, 2025.  We hope to have resolved your issue.

• Initial Complaint

  Date:03/03/2025

  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 was first contacted by *** before on December 20th, 2024. Since then I have been harassed with phone calls and text messages, switching from the original agent. I was first contacted by the second ****** "***** ****", on December 30th, 2024, stating that someone I loosely know gave them my information, by both phone calls and text messages. Over the course of the next 10 days, I recieved 17 calls, and four text messages, one of which threatened continue harrassment, stating "Hello- I've been reaching out to you to get you your benefits activated and haven't heard back. Your benefits are ready to go over, and if we can't find a good time to meet they will expire. I don't want to keep calling and I'm sure you don't want to keep getting calls, so do you : 1) want the benefits 2) don't want the benefits 3) need more information because you're confused Please let me know either way" After which I recieved 5 more calls prior to blocking the number on Janruary 9th, 2025.I enrolled in the FTC's Do Not Call registry on Janurary 6th, 2025, and have since been called and texted by "****** *******" today, March 3rd, 2025, with two phone calls and one text message.

  Business Response

  Date: 03/26/2025

  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, as well as notified independent contractors ***** **** and ****** ******* to discontinue contact. 
  
  We ask that Mr. ******* allow up to 7 business days for this change to go through our system during which time he may be further contacted. In the event that occurs, we ask that he kindly inform the caller that he has been added to the list as well as the **** Do Not Call Registry and to discontinue contact.  If he wishes, Mr. ******* can contact our office directly with the names of any additional callers so we can address on an individual basis.  

• Initial Complaint

  Date:02/27/2025

  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 am constantly getting calls for a ******. I have informed them multiple times that I am not ******, nor do I know a ******, and at no time in the last 16 years has this number been associated with a ******. I have asked them to stop calling each time I speak with them, but they continue to do so and inform me that it is because the matter is important.

  Business Response

  Date: 03/13/2025

  We would like to thank Ms. ***** for reaching out to our office regarding this matter.  A request has been submitted to our Consumer Relations and Resolution team to place Ms. ***** on the do not contact list.  Please allow 7-10 business days for this request to be processed.  If there is any further contact made, please submit the phone number that contacts you and our Consumer Relations and Resolution team will address it directly.  Please let our office know if we can be of further assistance.

• Initial Complaint

  Date:02/27/2025

  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.

  A gentleman from this company, Pilip Pavov, called me persistently. He told me he was calling to verify my beneficiaries on my policy. My ex-husband was still on there so I updated it and gave him several family members. At the end he told me he was going to call them all to explain what to do in the event of my death. I told him not to do that and that I would make note of my policy info in my documents. I told them that if he was going to call my beneficiaries he could just take their name off and cancel my policy. He assured me he would not do this. Sure enough, I got messages from family members that he was calling them asking to set up a meeting and sell them insurance. I am certain that not only is this highly inappropriate, this is also illegal to steal peoples phone numbers from other peoples life insurance policies. I am a veteran and this is a life insurance policy I have through the American Legion.

  Business Response

  Date: 03/13/2025

  We would like to thank Ms. ******* for reaching out to our office regarding this matter.  After a careful search of our records, we could not find a policy associated with Ms. ************** We were also unable to find an agent by the name given in this complaint.  ************** can provide a policy number or another name the policy was issued under we can look into this issue further.  Please let our office know if we can be of further assistance.  

• Initial Complaint

  Date:02/27/2025

  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 had agreed to a $10,000 life insurance policy and when I received my policy it was for $6,000 and change which is not what I agreed to back in June 2024 my policy was sent to me in July I called the company and told them I wanted to cancel my policy and to be refunded they continued taking out money from my bank account ***** times Ive been talking to them for months now and I havent received my money yet they telling me I have to send them a blank check and thats not what I was told they told me a supervisor would look at the policy and approve my refund and nothing was done yet after all these months they owe me 7months which come to $490.07 I would appreciate it if you look into this matter for me thanks.

  Business Response

  Date: 03/12/2025

  We would like to thank Mr. ****** for reaching out to our office regarding this matter.  A refund on policy NY0907806 in the amount of $280.04 was issued on February 28th, 2025.  This amount reflects four months of premiums refunded and corresponds with the date the insured called our office to cancel the policy.  The last premium drafted was in December 2024 therefore only four months of premiums are eligible for a refund.  Please let our office know if we can be of further assistance.  

• Initial Complaint

  Date:02/26/2025

  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.

  Policy's CD2524135 CD2524137. December 18th I had an online meeting with an agent and we made changes to my existing policy. The new policy was going to be $95.38 per month. On December 27th $208.33 was withdrawn from my bank account and in January $203.37. I now seem to have 2 policies instead of the new adjusted policy. I emailed the agent early January for the refund but no refund and he said he would look into it. I emailed the company on February 12th and 20th and told them to cancel my policies. No response was received by them but I did get the automatic response emails so my emails were definitely received. I've tried calling several times but sat on hold for so long I finally hung up. Today I waited 45 minutes on hold. There is no option for a call back or to let you know what your wait time is. I put a stop payment on this company with my bank so the payment they tried taking out in February was reversed. I was overcharged $112.95 in December and over charged $107.99 in January. I would like to be refunded $220.94 for the overcharges and receive confirmation that they have cancelled my policies.

  Customer Answer

  Date: 03/03/2025

  Hi,

  American Income asked for forms to be filled out which I have forwarded to them and attached the emails from the *** I was dealing with as they want proof of what transpired and for me to request in writing the refund. I added the request to the email. I will also send it in a word document which hopefully will be sufficient. 

  Thanks,

  *****

   

  Business Response

  Date: 03/11/2025

  We would like to thank ********** for reaching out to our office regarding this matter.  Please allow 7-10 business days for any refund check to arrive.  Policies CD2524135 and CD2524137 have been cancelled as requested.  Policies CD2524136, CD2032503 and CD2032504 remain in effect.  If she would like to cancel those policies as well, please reach out to ********************************** and we will be happy to assist in the cancellation process.

  Customer Answer

  Date: 03/11/2025

  Hi,

  I was only supposed to have 1 policy. Somehow I ended up with 4 now. I filled out and sent the forms twice now, as instructed by them, listing all 4 policies to be cancelled. I've emailed them several times to confirm that they are all cancelled and no one will respond to me.

  Thanks

  *****

  Customer Answer

  Date: 03/11/2025

  Hi,

  Here is a copy of the third email listing all the policies they said I now have and to cancel all of them. Worst customer service I have ever dealt with. No response from them with any updates or to even confirm they received my requests.  They just keep requesting me to fill out the forms which I keep doing. Cannot even contact them by phone as you can't get through. 

  Thanks

  *****

  Business Response

  Date: 03/11/2025

  Thank you for bringing this to my attention.  Refunds on CD2524135 and 37 will be released shortly.

  The remaining policies will be surrendered as well.  You are welcome to reach out to me at ********************************** in a couple of days and I will provide you with the surrender status.

  Customer Answer

  Date: 03/12/2025

  I have reviewed the business response and accept this resolution. As long as they follow through with their promises.

  Customer Answer

  Date: 03/12/2025

  Thank you for all your help resolving this problem. They are total scammers. I read blogs where peoples requests to cancel took over 6 months and they kept withdrawing from their bank accounts and never received their refunds. 

  Thanks Again,

  *****

• Initial Complaint

  Date:02/24/2025

  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 company is a fraud selling insurance they ask for money but they never did my medical for 5 months

  Business Response

  Date: 03/10/2025

  We would like to thank Mr. ***** for reaching out to our office regarding this matter.  A request has been sent to the ***'s office in charge of handling this policy.  Please allow 7-10 business days for the request to be processed and an agent should be reaching out to Mr. ***** regarding this issue.  Please let our office know if we can be of further assistance.