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

  
• 

  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 - Tommy Vena

  999 E Touhy Ave STE 250 Des Plaines, IL 60018-2704

  
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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:08/27/2022

  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.

  My husband received numerous letters offering a free 4,000 life insurance so he completed form with my name and phone number and now they call 2-4x a day never leaving a voice mail and changing phone numbers like different people trying to schedule something to sell us more stuff. We set up a zoom but no link was sent and we told them to stop calling and they have not stopped calling my cell. DO NOT CALL ME nothing is FREE. If the life insurance is really free for teamsters union people send the policy and stop calling otherwise stop the false marketing!!!! Remove my number from your marketing lists immediately!!

  Business Response

  Date: 10/27/2022

  Business Response /* (1000, 5, 2022/09/01) */
  We would like to thank Ms. ******* for bringing this matter to our attention. While we prefer that the agents deliver the no-cost AD&D certificates in person, it is not necessary that they do so. This coverage is available on the life of Claudio ******* for as long as the group policy is in force, as as long as he is a member in good standing with his Union. The certificate will be mailed to their home address.
  In addition, we have added the phone number to our internal DNC registry and we have requested that the ******* contact information be removed from the independent agents database.

• Initial Complaint

  Date:08/19/2022

  Type:Customer Service 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 with this company about 3 years I've never filed a claim until July 2022. I filed a accident claim. I faxed all paperwork that was need for the claim to the fax number on the paperwork for this company I waited 2+ weeks heard nothing from them I called and was told they don't reciece faxes because they work from home due to covid I would need to email. After going back and forth I was transfered to a customer resolution specialist that gave me his direct fax I faxed all required paperwork again to him he received it and sent a email saying so. I waited 2 weeks I hear nothing called again given run arounds about not having my paper work or not having certain documents that was faxed to the customer resolution specialist finally was able to be transfered to him again and he verified that he had everything and spoke to the claims adjuster and was told they had enough money to pay my claim and the funds should be in my account in 48 hours and to no surprise it was not and I've spent 2 days calling and I've been told that claims adjusters do not speak to customers directly I was told that the supervisor Megan H***** was aware of this situation and will have it resolved by today 8/18/2022 and that she would be calling me at 2pm today but if I didn't hear from her by 2:15 call back ask for Raquel and she will put me through to Megan I called back at 4 because Megan did nit call me I was told that Megan was at lunch and that the rep was unaware if she had a voice-mail. I was told that I could not speak to Raquel because customers aren't allowed to ask for specific reps although Raquel stated for me to ask for her I was placed on hold after about 29 min and told that I would be patched to Megan's voice mail because she in meetings all day after just being told she was at lunch the customer servis rep kamoko transfered me to Megan's voicmail call never went to it there was a long pause a hang up and it was 4:35 I called right back and they were closed

  Business Response

  Date: 10/12/2022

  Business Response /* (1000, 5, 2022/09/01) */
  Our office appreciates Ms. ***** for bringing this matter to our attention. While we do have staff working from home, we also staff at the office to process and forward claims received by fax.
  Our records show that the claim was paid on August 22, 2022 and cleared our account on August 25, 2022. If there are any other questions, please reach out to me directly at [email protected]
  
  
  Consumer Response /* (2000, 7, 2022/09/02) */
  (The consumer indicated he/she ACCEPTED the response from the business.)

• Initial Complaint

  Date:08/18/2022

  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.

  This companies agents, have called my cell phone repeatedly for the past 2 months Day and Night. I work for a living, I have my cell on me for work purposes. This is so annoying! If I ignore the call, they immediately call again. So, I have answered the second call. They are looking for my ex-husband that I divorced 17 years ago! I have told these multiple agents that have called, to stop calling me. I am not married to him and I do not have contact for him. They will say "Oh I will make a note of that on the file". Well, no more than 2 days go by and I get another call looking for **** Christianson. This is harassment! I have filed complaints with the National Do Not Call Registry and even that doesn't help. Today, I get a text message from Austin Ewing "Hi ****, this is Austin ****** I am a manager with AIL, your life insurance company, I have been trying to get ahold of you regarding the policy that you have with us. You may have gotten a call from one of my assistants recently. It's important that you call me at XXX-XXX-XXXX. So, I have tried calling Austin Ewing and all I get is a voicemail. I am so tired of this company calling me daily, multiple different phone numbers and people. I tell them this is not ****s phone! Don't call me I divorced him 17 yrs ago. But, it keeps going on and on. Next I will talk to an attorney if this does not stop! I uploaded a business card/picture that was attached to the text message to show the BBB. That now they are even sending me text message along with all the phone calls that I block only for them to just use another phone number! They are telemarketer agents. Pure harassment and I am tired of it!

  Business Response

  Date: 10/26/2022

  Business Response /* (1000, 5, 2022/08/30) */
  We would like to thank Ms. ********* for the opportunity to address her concerns. As requested, we have added her contact information as it appears in her communication with the BBB to our internal Do Not Call list. In addition, we have contacted the independently owned business office which services her area and through which Austin ***** is contracted and have confirmed that their records have been marked accordingly.
  
  We ask that Ms. ********* allow up to 7 business days for this change to go through our system during which she may receive further contact. In the event this occurs, we ask that she kindly inform the caller/texter that she has been added to our Do Not Call list and to discontinue contact.
  
  We hope to have addressed her concerns appropriately.

• Initial Complaint

  Date:08/12/2022

  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.

  After seeing an ad for a job on indeed I applied. I was contacted from the job ad i applied for and was told they arent hiring but due to my "strong" (strong in quotations sice i have 0 experience for the job that they refered me to) resume they refered me to this company: American Life Insurance. After some time i was sent an email for the first period of "interviews." Here was the first red flag, it was a zoom based interview but as a large group. After watching this person talk about the company something became odd, it seemed like it was a recorded video and not someone actually talking to me as they never read the chat. However, i kept forward and got a second interview after the first, which the preliminary to the second interview was filling out a small form and submitting your resume again. During the second interview i met with Managers: Keeenan P******, Danny G**** on 8/12/2022. This is the real red flags: during this interview i was asked this: "How do you feel about, as a manager, the people you hire and train will work, and during this time theyll earn their compensation. 50% of the excess compensation they dont earn is given to you and the other is given to the company." I had read many reviews saying the company was a pyramid or MLM scheme but this really makes it look like one. Afterwards they instantly wanted to hire me and to get me to pay the licensing fee out-of-pocket along with the coursework* fee out-of-pocket, at whcih they can then hire me and i can then start potentially** earning money.
  
  
  (((Company called ExamFX)
  ((Since im not paid an hourly it is all sales commision))
  (attachment contains this link: https://ail.hirestandardstaffing.com/applicationXXXXXXXXXXXXX?_ef_transaction_id=XXXXXa75c3704c07bb7f2ae3049fa039&utm_campaign=Abid+Sherazi)))

  Business Response

  Date: 10/26/2022

  Business Response /* (1000, 7, 2022/08/31) */
  Our office is currently reviewing this matter and will provide a response within the next 7 business days.

• Initial Complaint

  Date:08/12/2022

  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 had a whole life policy with AIL February 26 2019 and cancelled the policy on July 8 2022, because AIL was giving me the run around on paying me a accident benefit that had happened on Dec 26 2021. AIL said they had not all info needed, but I had sent it. I new something was not right with the company then, I resent the claim info. I since received payment of 150.00 for accident benefit but AIL have sent me a invoice for I don't know what, dated 06/26/22 in the amount of 104.98. This was a whole life policy so I have an amount of 172.01 owing to me as well when I closed the policy paid up for the first 3 years.Invoice of the amount of 104.98 in question3 years paid up whole life amount 172.01 owing to me

  Business Response

  Date: 10/10/2022

  Business Response /* (1000, 5, 2022/08/16) */
  Our office apologizes for the delay in processing the request for surrendering your life policy CDXXXXXXX. the surrender check was process on 08.11.2022 in the amount of $230.92. Please allow 10 business days for receipt of the check.
  Please disregard any billing notice you may have received on this policy.
  
  thank you
  
  
  Consumer Response /* (3000, 7, 2022/08/18) */
  HI There,
  
  I'm touching base with you and adding other info that has been sent to me by AIL. AIL sent me another invoice, which I received on August 17, 2022. The invoice still does not say what it is for, but was cut in half from the invoice that I received in July. The invoice does not say why it has been reduced or what it is for. I can only tell you that this bill was sent to me soon after I had put in for an accident claim? I have attached the new invoice.
  
  Thanks for your help, BBB.
  
  Sincerely, ***** *****
  
  
  Business Response /* (4000, 9, 2022/08/19) */
  There was no invoice attached to the follow up complaint.
  Policy CDXXXXXXX was cancelled as requested. When the policy was removed from bank draft, the system would automatically send an invoice for the next due date in case the policyholder wished to continue coverage. The surrender value for this policy was processed on August 11, 2022.
  Accident policy CDXXXXXXX was cancelled as of June 26, 2022. the payment for your claim was deposited directly to your bank account on July 13, 2022.
  Please let me know if our office can be of further assistance.
  [email protected]

• Initial Complaint

  Date:08/11/2022

  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 is predatory and unethical. As many union members have reported, they contact you under the guise that they are a representative from your union. They use all the tactics to pressure you into signing up for a policy.
  Within hours of going over documents and realizing this was a third-party and NOT a representative from the employer's union, an email was immediately sent to the agent telling her to cancel the policy.
  This should serve as a second written notice to revoke authorization to withdraw money from bank account.
  We shall see how American Income Life handles our case.

  Business Response

  Date: 10/10/2022

  Business Response /* (1000, 5, 2022/08/19) */
  Our office has been unable to locate a policyholder by this name or address. Please provide a policy number or the policyholder name so that we may review further.

• Initial Complaint

  Date:08/03/2022

  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 a life insurance policy with American income life on April 13th to which the lady was very kind but not very knowledgeable about the insurance company. I had emailed from April until August for a refund for an overdraft issued they caused promising me they'd take the money out Friday but instead took it out on Wednesday causing me to overdraft. I emailed and emailed and no response, not ONE! I find out today not only are they not refunding me my money to their error and lack in knowledge of the company all the easy around starting with the first person to the last not one had a single clue when the money would come out noone knew. I tell them and am promised it won't come out until Friday they do it on Wednesday and overdraft me. I emailed for mths to find out they JUST NOW nearly THREE MONTHS later just got my email with no information refuse to issue me back my money. They don't have a single clue what's up or down side to side
  The original lady was nice as could be and was very helpful but she didn't know anything about when it would be drafted either. They don't even ask all the right questions so you find out later they're going to take more money too. They have ZERO communication skills and don't care about their customers whatsoever. They surely didn't me all they cared about was money. They didn't care about my business or me as a person whatsoever I could imagine if an actual death occured the insanity I'd had to have gone through with them. Just insane the hassle and absolutely no communication with them, the lack of knowledge about much. Just not a good company idk how they scored a+ because truly I'd give them a big fat F!!!!!!!!

  Business Response

  Date: 09/12/2022

  Business Response /* (1000, 5, 2022/08/04) */
  We appreciate Ms. ****** making us aware of this issue. I have sent an email directly to her advising that we will reimburse the overdraft fees as a courtesy. i will work with her directly on any other issues she may have.

• Initial Complaint

  Date:08/02/2022

  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 forwarded the required paperwork to file a claim in February 2022 and waited to contact them until July 2022 so that they could have ample time to process the claim. I called them Friday, July 29th and was told that they had reviewed the claim and would issue a check on August 3rd 2022 but if I wanted to know the amount of the check to call back on Tuesday August 2nd (today). I called and was told there is no record of any claim and I should resubmit the paperwork.
  We purchased a cancer rider in 2018 and when I filed a claim on the cancer rider was denied because I had had cancer previously and had they known would not have issued the policy although I had told the agent about my cancer at the time we bought the rider. It took them 7-8 months to come to that conclusion.
  In my estimate this company is ethically bankrupt and has zero integrity. They drag their feet as long as legally possible and in every instance of my dealings with have given me the runaround.
  

  Business Response

  Date: 09/22/2022

  Business Response /* (1000, 5, 2022/08/03) */
  Mr. ******, our office apologizes, but we find no claim submitted under the accident policy XXXXXXXX or accident policy XXXXXXXX. I reviewed all of your policies and did not find any notes from July 2022 where you had called in.
  If you will forward your claim statement to my attention I will immediately have it reviewed by the claims staff and keep you up to date on the status.
  You can email it to me at *******@globe.life or you can fax it to me at XXX-XXX-XXXX.
  ***** ******, Paralegal
  
  
  Consumer Response /* (3000, 7, 2022/08/05) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  I have to refile the claim so no resolution has been made as yet.
  
  
  Business Response /* (4000, 9, 2022/08/11) */
  According to the documentation provided the accident and services were provided in April 2020. The application was taken and policy was issued on July 21, 2020.
  The policy was not in force at the time the accident occurred.
  If the dates on the documentation provided were incorrect, we can reconsider the claims upon receipt of corrected documents.

• Initial Complaint

  Date:07/29/2022

  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.

  Regarding policy where my daughter is an insured and my ex-wife who is the beneficiary has passed away. All I am trying to do is, on my daughter's behalf, close this account and realize any cash value that remains. I have contacted this company many times and have gotten the "runaround" ie being placed on long holds, etc.
  
  The company has requested a death certificate which has been provided yet they say it has not. I firmly believe this company is stonewalling this attempt to cancel and use the remaining cash value to keep the account current.
  
  Please assist by urging this company to be more cooperative and rather than send invoices, cancel the account.

  Business Response

  Date: 09/07/2022

  Business Response /* (1000, 5, 2022/08/01) */
  Mr. **** please provide me with your daughter's name and/or policy number.
  [email protected]

• Initial Complaint

  Date:07/29/2022

  Type:Billing 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 set up an account with America life insurance last year, reluctantly at that. I told them I was broke and couldn't afford it and they kept pushing. They brought down the price to i believe 12 or 13$ a month. But that changed after a few months and they brought it up to 16. Up to this point I didn't have access to my account with them to see what all was happening. I finally got it and by now, beginning of the year, they're calling me again telling me I have to up my prices and if I were to cancel like I wanted I'd lose money. After getting spam called daily for the past few weeks I went thru my bank statements and saw that they've been charging me twice a month instead of once. I had to call the headquarters to try and get it fixed. I called and when talking to the First Lady she checked and told me that they have two claims open for me but online I can only see one. I was then on hold for over an hour waiting to talk to someone about canceling and money back and when I finally got through she said she would help and then not even 3 minutes into the conversation the phone call was ended. I've stopped payments with my bank. I've left a review on yelp with my experience with them. I've put in a contact form to cancel as they have no email accessible online that I can find. I want my money back that they've been taking.

  Business Response

  Date: 10/12/2022

  Business Response /* (1000, 5, 2022/08/01) */
  We would like to thank Ms. ***** for reaching out to us regarding this matter. Our records show that Whole Life policy XXXXXXXX was issued with a monthly premium of $12.13. On May 3, 2022 an ADB Rider was added in the amount of $4.17 per month. I will have the Rider removed and the additional premium refunded. this policy will be cancelled as of a current date.
  On January 10, 2022 Whole Life policy XXXXXXXX was issued. As a courtesy we will cancel this policy as of the date of issue and refund premiums.
  
  
  Consumer Response /* (3000, 13, 2022/08/21) */
  I have received a check. But for $62. I had been getting charged twice a month since the beginning of the year. They never said that they were adding an entire other bill to me and $62 does not make that right.
  
  
  Business Response /* (4000, 15, 2022/08/23) */
  For policy XXXXXXXX we refunded $62.55 which covered the AD&D Rider premium of $4.17 for a period of 15 months. The last premium drafted on this policy was returned by the bank, leaving the policy with a paid to date of August 1, 2022.
  On August 10, 2022 a refund check in the amount of $272.30 was issued on policy XXXXXXXX. the insured should receive that check shortly.