Complaints

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

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• 

  Globe Life and Accident Insurance Company

  3700 S Stonebridge Dr McKinney, TX 75070-5934

  
• 

  Globe Life and Accident Insurance Company

  Mobile, AL 36609

• 

  Globe Life and Accident Insurance Company

  Mobile, AL 36609

• 

  Globe Life and Accident Insurance Company

  Hoover, AL 35216

• 

  Globe Life Liberty National Division

  Mobile, AL 36609

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:11/26/2022

  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.

  Harassment. Too many marketing tactics. I have requested to STOP via telephone and USPS mail. I have requested more than 5 times. I am all set. Life insurance is in place. Please make Globe Life stop! It's insane.
  Thank you.

  

  Business Response

  Date: 03/06/2023

  Business Response /* (1000, 5, 2022/12/09) */
  Contact Name and Title: ***** M **********
  Contact Phone: XXXXXXXXXX
  Contact Email: ems*********@globe.life
  Ms. *********:
  
  Thank you for your correspondence with Globe Life, submitted through the Better Business Bureau. Your correspondence has been forwarded to me for response.
  
  Your provided address and phone number have been placed on the Company's Do Not Call and Do Not Mail lists. Please allow 8-12 weeks for completion as other mailings may have already processed. If you should move, please let us know so we can update our list. If you inquire about Insurance with us in the future you will receive mailings again.
  
  We regret any inconvenience these mailings may have caused. Please note that any correspondence directly related to your active policy with the Company will continue.
  
  Please contact me directly, in writing, if I can be of any further assistance in this matter.
  
  Respectfully,
  Elena M S*********
  
  
  Consumer Response /* (2000, 7, 2022/12/12) */
  (The consumer indicated he/she ACCEPTED the response from the business.)
  The letter states I will be placed on their Do not Call or Mailing List. That's what I wanted from the start. Thank you.

• Initial Complaint

  Date:11/25/2022

  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.

  Every time I be a month late they bill me for 6 mos and I'm only paying 12 a month, but when I don't pay for Nov then they charge me for 6 mos. And when I pay for the six month then next month I'm late again.
  

  

  Business Response

  Date: 03/13/2023

  Business Response /* (1000, 5, 2022/12/12) */
  Contact Name and Title: ***** M **********
  Contact Phone: XXXXXXXXXX
  Contact Email: ************@globe.life
  Ms. ******,
  
  Please find attached a PDF letter in response to your complaint submitted via the Better Business Bureau.
  
  Thank you,
  
  ***** M **********
  Corporate Counsel

• Initial Complaint

  Date:11/22/2022

  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 have been paying for grandsons Life and Accident Insurance since June 1996. Rates were $30 per month up until December 2022 premium. December premium increased 4x to $114.75 per month. In the invoice it stated that the policy now is able to build cash value. They sent no documentation that showed how much cash value the policy could build. So increase premium 4x and not document what if any benefit the increase would be is sorry way to do business. This company should be required to refund premiums paid because of scam they have been doing for years. The increase is nothing more than scam to force policy holders to cancel policies. Don't see how Globe Life and Accident Ins Co can be allowed to operate such a scam and not be charged for illegal activity . Sure nothing will be done to this company but enough complaints maybe they will be forced to change or close.

  

  Business Response

  Date: 02/23/2023

  Business Response /* (1000, 5, 2022/11/30) */
  November 30, 2022
  
  ***** ********
  ********************************** XXXXX
  
  Re: BBB Case #: XXXXXXXX
  Complainant: ***** ********
  
  Dear ***** ********:
  
  As you are not the owner, payor, or beneficiary of the insurance policy in question, we are unable to provide you with policy details.
  
  Please have owner ****** ******** contact me directly to discuss.
  
  Respectfully,
  
  Jason A. O'****

• Initial Complaint

  Date:11/18/2022

  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 applied for life insurance with this company in October 2022. I received an email that I would be notified when/if my application was accepted. I never was informed that I had a policy by this company...but subsequently I was charged $20.17 in November 2022. After reaching out via phone and email, I was informed via email that my only option to get my money back was to send my bank statements and additional confidential information. This is ridiculous because the company has my banking numbers, that is how I was ripped off. I don't want anything to do with this unscrupulous business. I want my money refunded.

  

  Business Response

  Date: 02/23/2023

  Business Response /* (1000, 5, 2022/11/30) */
  Contact Name and Title: Elena M S*********
  Contact Phone: 4052701483
  Contact Email: ems*********@globe.life
  Ms. ******:
  
  Thank you for your correspondence with Globe Life, submitted through the Better Business Bureau. Your correspondence has been forwarded to me for review.
  
  We regret your frustration. Policy 0052E7805 has been cancelled pursuant to your request and a refund in the amount of $20.17 has been processed.
  
  The refund was processed on November 18, 2022 to ******** ******, the check was mailed to the address on file with the Company; 25 Orange Dr. SW, Warren, OH.
  
  Please contact me directly, in writing, if I can be of any further assistance in this matter.
  
  Respectfully,
  Elena M. S*********

• Initial Complaint

  Date:11/02/2022

  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.

  Regarding life insurance policy #004FXXXXX. I spoke to several customer service rep after being placed on long holds and being told to call back after 5-7 business days. I was told my past due balance will be taken care of by the cash value balance. I called back several times to check on the status and was told the same thing that it was being processed. I did not receive a notice in the mail or a phone call that there was not enough cash value to process to pay the past due balance. My life insurance policy got cancelled without any notification. I went in to pay for the policy and noticed it was cancelled. I called back after several month and they made me wait for another 5-7 business days to get an answer about my inactive account stating the cash value should have been processed and applied. After waiting 5-7 days, the rep now tells me I did not have enough balance to pay my policy that's why it got cancelled. Again, I did not receive any notification letter, email, or phone that my policy cash value was not enough to cover the past due and the policy was cancelled. Now, they are telling me there's nothing they can do, and I cannot reinstate the policy. They also told me they cannot see in the system when the letter was sent out, but I should've received it, after I asked them when the letter got sent out. I want to file a complaint to reinstate my policy. It is not legal to cancel a policy without any form of communication if several reps said it will be taken care of. Otherwise, I would've sent in my payment if they did not give me this fraud option!

  

  Business Response

  Date: 02/06/2023

  Business Response /* (1000, 5, 2022/11/16) */
  Contact Name and Title: Cheri L*****, Paralegal
  Contact Email: ckl*****@globe.life
  Attached is a copy of the response that Globe Life is sending directly to *** **** via regular mail today.
  
  Please contact me via email should you have any questions.

• Initial Complaint

  Date:10/01/2022

  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.

  Re: Globe Life And Accident Insurance Company Page 1 of 2 Papers
  P. O. Box 653032
  Dallas, TX 75265-3032
  Phone Number (XXX) XXX-XXXX
  
  October 1, 2022
  
  POLICY # 00RXXXXXX
  ******* ****, Original Policy Owner
  For M. ******
  2241 NW 191st Street
  Opa Locka, FL XXXXX - XXXX
  
  My Sister, ************ Died on June 26, 2021.
  Marquiez ****** AKA M. ****** was her Nephew and he is my Grandson.
  
  *Globe Life And Accident Insurance Company Sent Mail Dated 03//06/2022
  for Payment of $88.75 -12 Months Premium.
  Addressed to *************
  
  I called Globe Life and spoke with Charlene.
  I told Charlene my Sister ************ died.
  I asked Charlene "is it alright for me to pay the Policy Premium of $88.75?
  I could keep the policy for Marquiez my Grandson. she told me Yes.
  
  On March 17, 2022, I Paid the 12 Months Premium $88.75 with an Electronic Check
  from My Bank Account.
  
  Re: Policy # 00RXXXXXX Page 2
  
  I called Globe Life and Accident Insurance several times and spoke with several different employees about becoming the Policy Owner. Every employee told me a different excuse.
  
  May 24, 2022 I spoke with another Representative and I was told to send a Fax with The Deaceased ************'s Death Certificate and Marquiez's Birth Certificate.
  
  * I Sent a Ten Page FAX to 1(214) 250-5702 AS REQUESTED with Court Documents.
  
  *June 15, 2022 I was told to send An Email AS REQUESTED to [email protected] with My Request
  for Refund of $88.54.
  
  Globe Life And Accident Insurance Company has REFUSED To REFUND My Money $88.75
  and they CHANGED the POLICY OWNER NAME From ************ To Betsy Schafer.
  
  *Globe Life Insurance Company has Sent Mail To Our Home Three Times Addressed to Betsy Schafer on
  June 21st, July 22nd and Sept. 15th after I told them Betsy Does NOT live here.
  
  We don't know where Betsy Schafer, Marquiez's Mother lives.
  
  ILLEGAL BUSINESS PRACTICES.

  

  Business Response

  Date: 12/28/2022

  Business Response /* (1000, 5, 2022/10/17) */
  Contact Name and Title: Blythe R. B******
  Contact Phone: 405-270-1104
  Contact Email: brb******@globe.life
  Dear Ms. ******,
  
  Thank you for your BBB complaint and the additional information you provided by email today.
  
  Per policy provisions, the ownership of the Insured transferred to the parent of the Insured upon the death of the applicant. Based in the information you have given, and because the Insured is an adult, our Customer Service Department will transfer ownership to the Insured.
  
  Please provide the current address of the Insured so that premium billing statements can be sent to him directly.
  
  I have asked our Customer Service Department to issue your refund. Please expect the check to arrive within the next two weeks.
  
  Thank you for your time and consideration in this matter.
  
  Respectfully,
  Blythe R. B******

• Initial Complaint

  Date:09/23/2022

  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.

  My late mother had established a small life insurance policy for me when I was 16. After she passed, I contacted Globe Life in March of 2022 requesting to close the policy and be issued a check for the remainder. It is now almost October, I have sent 13 emails and made roughly 10 calls to customer service to get the check issued to me and continue to receive the runaround where phone reps tell me to email and those on the email tell me to call the customer service. Over the last two months I've been told multiple times my check was being issued and overnighted to me only to have it never sent. When calling back they confirm they don't know why it hasn't been and it has been escalated. I then wait another week or so, call again and am told the same thing over and over. I've been told twice I needed to wait an additional 30 days only to have those 30 days elapse with no resolution. When asked what my next escalation point can be to resolve this issue I have been told there is no where else to go. Please assist ASAP.

  

  Business Response

  Date: 11/22/2022

  Business Response /* (1000, 5, 2022/10/10) */
  Contact Name and Title: Cheri Lawhon, Paralegal
  Contact Email: ********@globe.life
  Policy # XXXXXXXXX, insuring the life of ***** A. *****, is a whole life policy issued effective 10/01/87 in the amount of $6,000.00. The applicant and original owner of the policy was the insured's mother, Marcia E. *****.
  
  Mr. ***** contacted Globe Life via telephone on 03/11/22 requesting information about the policy. Because the policy is 35 years old, it was necessary to pull a copy of the direct mail application from microfiche in order to verify ownership. Mr. ***** was advised to submit a copy of his mother's death certificate and that it could take up to 10 business days for the application to be pulled.
  
  The application was scanned to the electronic file on 03/17/22. The death certificate for Marcia ***** was received 03/25/22. A surrender request form was sent to Mr. ***** on 05/05/22 in response to an email received 04/29/22. A second surrender request form was sent 06/08/22. The completed surrender form was received back from Mr. ***** via email on 06/20/22 and the policy was surrendered 06/28/22 (check #XXXXXXX for $1,517.50).
  
  On 06/30/22 the surrender check was pulled by auditing because it was incorrectly issued in the name of Marcia *****. The check was forwarded for reissue on 09/30/22. However, for reasons I have been unable to ascertain, the check was not reissued until 09/23/22. The check was sent to Mr. ***** via Federal Express on 09/27/22. According to our Accounting Department, the check was cashed 09/29/22. A copy of the cashed check is enclosed for your reference.
  
  Please extend our sincerest apologies to Mr. ***** for the delay and any inconvenience it has caused.
  While it is Globe Life's procedure to process surrender requests in a timely manner, policy provisions do allow the Company to defer payment for up to six months.
  
  I trust this information is fully responsive to your inquiry. If you should have any questions, please contact me directly.
  
  
  Consumer Response /* (2000, 7, 2022/10/11) */
  (The consumer indicated he/she ACCEPTED the response from the business.)
  While the check was still sent to the wrong address and my name was misspelled on the check. The band did accept and cash said check. After roughly six months or so this is now finally resolved. Thank you for your help BBB!

• Initial Complaint

  Date:07/25/2022

  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 have life insurance with global life and I decided to cancel the policy now I follow the instructions to contact through the email which I did on June 4 2022 starting to cancel all life insurance under my name. And to find out they debit my card on June 18 and July 15. I request to be refund because I sent email stating to cancel my policy. June 14 I get letter stating the cancelation. Now to find out they didn't cancel my insurance they only cancel my children insurance. When I call in that when they want to cancel my insurance when I clearly cancel all on my insurance on June 4. Now they denied me my request for June 18 and July 15. It look to me the there employee only cancel what they want to cancel and not cancel every policy. Now they giving me a run around.

  

  Business Response

  Date: 09/21/2022

  Business Response /* (1000, 5, 2022/08/09) */
  Contact Name and Title: Elena M S*********
  Contact Phone: 4052701483
  Contact Email: ems*********@globe.life
  Ms. ********,
  
  Please find attached a PDF letter in response to case XXXXXXXX regarding policy 0047T2424.
  
  Thank you,
  Elena M S*********