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

  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

  
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  American Income Life Insurance Company

  14875 NW 77th Ave STE 204 Miami Lakes, FL 33014-2568

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:02/11/2025

  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.

  We signed up for life insurance over ***** years ago and I keep getting calls daily/multiple times a day after I've asked them to stop calling me. They want to go over our policy and I stated we didn't need to, they want it online done through a zoom call. I am not doing anything electronically. they can mail me copies explaining or send a live human to explain in person. They refuse and will not stop calling me, even after I have stated to stop calling me.

  Business Response

  Date: 02/24/2025

  We would like to thank ****** ***** for reaching out to our office regarding this matter.  A written request has been submitted to our Customer Relations & Resolution Team to remove Ms. ***** from their contact list.  Please allow 7-10 days for this request to be processed.  Please let our office know if we can be of further assistance.  Thank you.

• Initial Complaint

  Date:02/11/2025

  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.

  ****** I termed my life insurance policy DBA National Income Life Insurance Company I mailed and emailed all documents requested. and this was confirmed by multiple representatives that the document is in my file. I was due a refund of $560.00. Every month I would receive a invoice and I would contact the company and was told disregard the invoice your refund is being processed. The last invoice I received showed that all monies that I was due a refund was applied to every month that they sent me an invoice. Out come. They did not cancel my policy so that I could get a refund instead used the money to apply towards my invoices that I was told to ignore. I have email proof of communication and was told that the manager was processing my refund. Now there is no refund on my account as they applied it towards my account even though I cancelled the policy. My last email about the money being applied to my account again I was told in the email was to disregard the *********** can discard; that's an old notice we have spoken about that since then. Lazarriah ***** (she/her/hers)STAR PERFORMER **************** ***** **************** | ********************** / National Income Life d: ************** | f: ************** **********, ********** ****************** .Lazarriah *. ***** <****************************>Dec 31, 2024, 9:58AM to me Good morning, I am still waiting for my manager to approve the refund, I just forwarded the information over to her, once she approves, our financial department will start the process. I haven't been getting direct responses, only notations on the account. Thanks so much for your patience. Please discard any bills you are receiving as your policy is set to be cancelled.

  Business Response

  Date: 02/20/2025

  we would like to thank ****** ******* for reaching out to our office regarding this matter.  Per the insured request, policy NY0798972 has been cancelled and surrendered for the cash value.  Please allow 7-10 business days for the surrender check to arrive.  Please let our office know if we can be of further assistance.  

  Customer Answer

  Date: 02/21/2025

  I have reviewed the business response and accept this resolution.  i will follow up if the refund has not been issued within the time frame indicated

• Initial Complaint

  Date:02/11/2025

  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.

  We obtained life insurance coverage through my husbands employer **. No one had dealt with this company before and it didn't seem bad at the time. The agent constantly called from different phone number and harassed us to come over when we had just seen him a few months prior. We decided to cancel to save money as we were moving into a new home we purchased and really did not like the behavior of this company. We sent the change of address form with the cancellation form in September. They wanted my older children to sign separate forms, they were refaxed as asked. They continued to withdrawal our account on 2 separate occasions which was only $60 in total or so. We have called since September and they say they are mailing the refund check. Each and every time I call I am directed to someone else who tells me I need different items, all which have been previously faxed. They end up saying that they have everything already needed and they do not see what is taking so long for them to send the check. I called again after Christmas and still have not received the refund and was told in 5-10 business days. It is all documented in their notes various places and I have copies and successfully sent fax jobs for verification. They DO have the form with my signature as well on the cancellation form and they say they need a form in writing with my signature.... the cancellation request is the cancellation form they sent me! They will not refund our money and we want to be done with this company for good. I can not resolve this on my own because they just keep telling me the same thing.

  Business Response

  Date: 02/20/2025

  We would like to thank ***** ***** for reaching out to our office regarding this matter.  As per request, all policies, 18891025/7/8 and ********/9/50/1/2, have been cancelled and surrendered.  There was only one policy, ********, with a  cash value of $14.85.  This was originally issued via check but was returned to us by the post office.  A request has been submitted to reissue a check for $14.85 to the customer, please allow 5-7 business days for delivery of this check.  Please let our office know if we can be of further assistance.

• Initial Complaint

  Date:02/10/2025

  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 have been receiving harassing phone calls nearly every daysometimes multiple times a dayfor the last several months from individuals claiming to be from American Income Life. They are persistently trying to set up a Zoom call to discuss policy information for someone named *******. I am not *******, and I have never had any association with American Income Life.These calls are relentless, often coming 2-4 times in a row. The callers do not leave voicemails but instead send text messages from completely different numbers. This behavior is highly suspicious and could easily be a scam. I do not want to answer these calls or respond to the texts, especially since they are contacting the wrong person, and I never provided my number to them.Despite blocking the numbers, new ones continue to contact me. This has been an ongoing issue for several months, and I am beyond frustrated. I am requesting that American Income Life or any affiliated parties remove my phone number from their system and cease all unsolicited calls and texts immediately.

  Business Response

  Date: 02/21/2025

  We would like to thank ******* ******** for reaching out to our office regarding this matter.  A request has been submitted to our Consumer Relations & Resolutions Team to add Ms. ******** to our do not contact list.  Please allow 7-10 business days for this request to be processed.  If further contact is made, please do not hesitate to reach out with the phone number trying to contact Ms. *************** Please let our office know if we can be of further assistance.

  Customer Answer

  Date: 02/21/2025

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  Date:02/10/2025

  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.

  This company has been calling me me every week since October. The person calling will be told to remove my phone number from their list so they will then pass it to another person with a different phone number in a different state so I can't block them or contact anyone in a management position. I have been trying for months to resolve this problem and keep getting harassed. I reported as spam and then get another phone number that calls or texts me.

  Business Response

  Date: 02/21/2025

  We would like to thank ***** ****** for reaching out to our office regarding this matter.  A request for Ms. ****** to be added to our do no contact list has been submitted to our Consumer Relations & Resolution Team.  Please allow 7-10 business days for this request to process in our system.  If there are any further attempts to contact Ms. ******* please do not hesitate to reach out and provide the number attempting contact.  Please let our office know if we can be of further assistance.

• Initial Complaint

  Date:02/10/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Late in 2023, I received numerous phone calls from American Income/Globe Life. After engaging in a Zoom call resulting from one of the first calls, I found they were disguising their intent to sell me their products by claiming they were a no cost benefit through my employer. I found through my employer that was not the case. During the 2 months following that Zoom call, I informed agents of American Income/Globe Life to stop calling me. I finally found reprieve after two months on continued calls, often occurring during inconvenient hours. Today, 02/10/25, I received another phone call from a ******* ***** who represented herself as an agent with the aforementioned company. When questioned how she obtained my information, she could only answer that her company was partnered with multiple unions across the country. When asked what union provided my information to her company, she could not answer. During this conversation, I agreed to meet with ******* over Zoom to gather more information regarding how my personal information was obtained and why I am being contacted after clear communication that I did not want to be contacted again.

  Customer Answer

  Date: 02/11/2025

  I received a text from ******** ******* regarding the Zoom meeting scheduled for Thursday. That name is different from the ******* ***** who sent the email confirmation. I will attach screenshots.

  Business Response

  Date: 02/24/2025

  We would like to thank ****** ******* for reaching out to our office regarding this matter.  A request has been submitted to our Customer Relations & Resolutions Team to place Mr. ******* on our do not call/contact list.  Please allow 7-10 business days for this request to be processed.  If any future contact is made, please provide the phone number that called and we will address the issue.  Please let our office know if we can be of further assistance.  Thank you.

• Initial Complaint

  Date:02/10/2025

  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.

  I spoke with an agent to purchased life insurance. 6 days later they took the money from my account for the following months premium payment. I called at the beginning of February to cancel the policy because I cannot afford it. That same day, Feb 4th, they took the money out again, only two weeks later. They have refused to send me the cancellation paperwork and refused to cancel it over the phone. I want my money back and I want the policy cancelled and I do not want any more money taken from my account. I feel like I was lied to and I am definitely being ignored to cancel it.

  Business Response

  Date: 02/24/2025

  We would like to thank ***** ****** for reaching out to our office regarding this matter.  Please see the attached cancellation confirmation letter from February 16th, 2025.  This policy has been cancelled and the initial premium is being refunded.  If any additional refunds are due, please allow 15 days to be processed.  Please let our office know if we can be of further assistance.  Thank you.

  Customer Answer

  Date: 02/24/2025

  I have reviewed the business response and accept this resolution. I expect to receive the refund of the payments I attached to my complaint. If I do not receive them by the end of February, I will re-file my complaint.

• Initial Complaint

  Date:02/07/2025

  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.

  I purchased a life insurance policy five or six years ago for $68.00 per month. I have never received a copy of this policy. Therefore I am unsure when it was purchased, how much I have spent ($4000.00 to $5000.00) - which I was told could be cashed out, or any copy to put with my essential papers. I have been in contact with their customer service agent ****, who has requested from the home office that this policy be sent to me. It has been 4 months and three requests and they still have not sent this. During our phone conversation I informed **** (who seemed nice) that my beneficiary had recently passed away and I did not have another. Their lack of sending my this very important paperwork is unacceptable. Now I think that I would like to get a refund and use that money for a policy with a company that is more professional. Although **** texted me my coverage, there is nothing that I nor anyone else could prove to get compensation. It isn't only life insurance but includes hospital stays, emergency room visits and only they know what else.

  Business Response

  Date: 02/18/2025

  We would like to thank **** ********** for reaching out to our office regarding this matter.  We have requested duplicate policies for ******** & ******** from our policy department.  Once they are received, we will reach out directly to the insured via the email address on file and provide those policies as well as a cancellation/surrender form to fill out and return to my attention.  Please let our office know if we can be of further assistance.  

  Customer Answer

  Date: 02/18/2025

  I have received the policy. However they do not have my email address on the form, and the phone number is very outdated. You (BBB) have my correct email and my contact from the company (****) has my phone number.. They will not be able to reach out to me without this information. Not sure if I should include it here because I don't want it to be public information. Please advise.

  Customer Answer

  Date: 02/19/2025

  I am rejecting this response because:

  I have received the policy. However they do not have my email address on the form, and the phone number is very outdated. You (BBB) have my correct email and my contact from the company (****) has my phone number.. They will not be able to reach out to me without this information. Not sure if I should include it here because I don't want it to be public information. Please advise.

• Initial Complaint

  Date:02/06/2025

  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 company changed my address on my policy without ever speaking to me or receiving any written request for an address update. Someone at this company updated my address to a home in ******** which is a state I've never lived in. I contacted this company on Jan 20th 2024 and verified that this information was not correct. I also requested a copy of my insurance policy from them to replace a lost copy of the policy i purchased more than 10 years ago. It has been 17 days and I have still not received the requested policy information. I DID receive from *** a lost policy certificate, but no copy of the policy. This has caused a Second issue as well. I requested a loan from my cash value on the whole life policy. The agent i spoke with over the phone completed my request and emailed me a confirmation of the transaction. 10 days later I called to check on the funds and I was advised by *** that because of the recent update to my address, that the request was not initiated. I am now being asked to fill out a form for the policy loan that must be mailed to me. This should have been mailed at the time the loan was requested more than 2 weeks ago. I still have not received this form even though AIL has mailed me other documentation since that time. This company is making it unreasonably difficult to obtain the funds that should be available from this policy. This along with the illegal act of changing a policyowners address without consent is unacceptable to me. I Plan to file this complaint with the state Division of insurance as well.

  Business Response

  Date: 02/14/2025

  We would like to thank Jaalen **** for reaching out to us regarding this matter.  I have submitted a request to our policy department to mail Mr. **** a copy of his policy 12852008.  Please see the attached documentation regarding the loan requested by Mr. *********** Please allow 5 days for the funds to be deposited in the account ending in 6919.

• Initial Complaint

  Date:02/06/2025

  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.

  American income life insurance company sad they canceled my policy as I requested. Now they are trying to get away with not refunding my money. I think they are attempting to scam me.

  Business Response

  Date: 02/13/2025

  we would like to thank ****** ***** for reaching out to our office regarding this matter.  We will use the complaint as authorization to surrender the policy.  The surrender value of policy ******** will be released within the next 7 business days.

  Customer Answer

  Date: 02/15/2025

  I have reviewed the business response and accept this resolution.