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

  9121 Anson Way STE 200 Raleigh, NC 27615-5857

  
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  American Income Life Insurance Company

  9121 Anson Way STE 200 Raleigh, NC 27615-5857

  
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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

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:08/11/2022

  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: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.

• 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]