ComplaintsforAmerican Income Life Insurance Company
Need to file a complaint?
BBB is here to help. We'll guide you through the process.
Complaint Details
Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.
Initial Complaint
11/14/2024
- Complaint Type:
- Order Issues
- Status:
- Resolved
I am filing this complaint against American Memorial Life Insurance Company due to a lack of transparency and failure to provide essential documentation regarding my mothers policy for a plot purchased at **************** in ************. Despite repeated calls and messages, I have not received a response.Key issues include:Missing Financial Terms:* The contract does not disclose the interest rate, total payment cap, or a breakdown of principal versus interest paid over the past eight years.* The original amount was just over $8,000, but the 10-year plan has nearly doubled the total to over $16,000.* No clarity on options to adjust the payment structure to reduce future interest costs.Policy Value and Benefits:* No documentation has been provided on the policy's current value or benefits, specifically how much has been allocated toward prearranged funeral services.* Uncertainty about whether the payout will fully cover my mothers prearranged funeral services.Lack of Documentation and Responsiveness:* Payment history and detailed policy terms have not been provided.Attempts to resolve these issues via phone calls and messages have gone unanswered.I request that American Memorial provide:* ****************** terms, including the interest rate, total payment cap, and itemized payment history.* An updated summary of the policy's value and benefits.* An explanation for the lack of transparency and documentation.This lack of responsiveness and clarity has caused significant distress, and I expect a prompt resolution.Business response
11/15/2024
This complaint has been filed against the wrong company. American Income Life Insurance Company does not market burial plots.Customer response
11/15/2024
I have reviewed the business response and accept this resolution >> wrong company. apologies.Initial Complaint
10/24/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
Approximately 6 months ago I attempted to cancel the following insurance policies with American Income Life (******** and ********) which were issued in October 2022. Being unable to contact anyone with cancelling the policies I went into my Bank, had the automatic withdrawal canceled. Almost immediately I received harassing phone calls from different representatives daily asking me to fix the **** Each time I told them I needed to cancel them, and nobody was able to cancel them. The polices were cancelled due to a lapse in payment. A few months after I was contacted by an AIL representative and I explained again that I let the polices lapse because I was unable to contact anyone and every representative that called was unable to cancel them. He said he was going to make sure those policies were cancelled and that I no longer received any more phone calls. What actually happened was that he attempted to issue 2 more policies (******** & ********). They only way I found out this happened was through a denial letter for policy number ******** and a new policy (********) that was issued and arrived via the mail. The new policy on the paperwork has a premium of $2.42 monthly that began coming out of my checking account. Not feeling like my efforts to cancel were worth the $2.42 again, I decided to let it be. However, *** has started withdrawing random amounts of money out of my checking account that do not correspond with any of the premiums on any of my current or previous policies. The amounts withdrawn were $71.09 on 8/14/24, $14.33 on 9/3/24, $80.42 on 9/24/24 and $80.42 on 10/24/24. I did not authorize any of these transactions. When I attempted to login to my account via their website it appears that these accounts cannot be found or associated with my name. I am requesting help canceling all of the policies that were issued (********, ********, ********, ********) as well as my banking information and their ability to remove any funds from my account.Business response
11/01/2024
We would like to thank the insured for reaching out to our office. Policies 18288026/27 and ******** were cancelled in April 2024 and no drafts occurred after that date on these policies. The drafts were for new policies 19734517/18.
Our office will cancel policies 19734517/18 as of the date of issued and refund premiums. Please allow 7 business days for the release of funds.
Customer response
11/01/2024
I have reviewed the business response and accept this resolution. However the refund that the company will be issuing needs to be in a paper check mailed to me because I went into my bank and had my account information blocked and removed from AILs digital wallet. It is my understanding that since they do not have that information they will not be able to electronically refund that money.Initial Complaint
10/24/2024
- Complaint Type:
- Product Issues
- Status:
- Resolved
I am in the process of cancelling several insurance policies with American Income Life.I have spoke to several agents since 10.10.2024 and have been told that the policies have been cancelled and i will receive cancellation forms by email or mail. There are policies that have cash return value. The last 4 agents that spoke with 10.23.2024 had cut off our conversations. They refuse to send confirmations or any cancellation documents by email or mail. They had numerous complaints through the Better Business Bureau in the past.They have my banking information which i wish to have cleared.Business response
10/30/2024
We would like to thank Mr. ********* for allowing us to respond. Our records indicate that Mr. ********* called our office on October 10, 2024 to request the cancellation of his coverage and was transferred to the correct department to handle his call. The requested policies were removed from bank draft to prevent his account from being drafted while in the cancellation process and a cancellation form was sent to the address on file to be completed, signed and returned to our office for processing. A further review of our records does not show the completed form has been received.
Upon receiving this communication we contacted Mr. ********* directly and confirmed that while he stated the form had been returned we did not show it being received. A new form was emailed directly to him to complete and return for processing. Once that form is received, all policies will be cancelled and any available cash value will be sent directly to Mr. ************************** hope to have resolved this matter for the customer.Customer response
11/01/2024
I have reviewed the business response and accept this resolution.
Customer response
11/01/2024
In regards to payments owed to ***** ********* from American Income Life Insurance.
The ********************* had immediate response once they had received the complaint issued by the Better Business Bureau. Payment was sent 2 business days after processing. All issues resolved with American Income Life Insurance Company.
Regards A.Ostrikoff
Initial Complaint
10/22/2024
- Complaint Type:
- Sales and Advertising Issues
- Status:
- Answered
I called October 14 to cancel my policy. I sent the paperwork in to cancel the policy. the *** on the phone said all of my payments would be stopped and no longer taken out from my account. Today , they took the payment from my account said there is nothing they can do about it. Called them three times. I wanting on a policy Reimbursement and now payment reimbursement. This put me in financial hardship, overdrafting my account. Said there was no supervisor available to talk to me at this time theres only one phone number and one email for this company.Business response
11/04/2024
We would like to thank ***** ******** for reaching out to our office regarding this matter. Our records indicate that policy ********* was cancelled as of 10.07.2024 and a refund in the amount of $ $86 was processed. Policy ******** was surrendered, however, we had to allow the last draft to clear before funds could be released. The surrender check was processed on 10.31.2024. thank youInitial Complaint
10/17/2024
- Complaint Type:
- Delivery Issues
- Status:
- Answered
On September 27, 2024, at 6:04pm EST US I received a call with a pre-recorded message from American Income Life Insurance Company from a seller, **** ****** trying to sell me insurance.Business response
10/18/2024
We would like to thank you for allowing us to respond. As requested, we have added your contact information to our internal Do Not Call list and have asked the local office that services your area to mark their records accordingly.
Please note that it may take up to 7 business days for this process to go through our system during which time you may be contacted. If contact occurs, we ask that you kindly inform the caller you have been added to the list and to discontinue contact. You may also provide to (**********************************) the callers name and phone number so it can be addressed as appropriate on an individual basis.
We hope to have addressed your concerns.
Initial Complaint
10/17/2024
- Complaint Type:
- Order Issues
- Status:
- Resolved
I requested a free will kit from a ******** site and was contacted by a guy to verify my info. He convinced me to check into life insurance and took my banking info for IF it went through.I never signed a contract. Honestly, I was evicted and have been homeless and I had no intention of paying for insurance.They started taking a monthly payment ($20.92) since July and I contacted them as soon as I discovered it.They keep asking me to clarify my info because they can't find a policy. I have told them I don't have a policy!I've had to pay for a stop payment to stop them from stealing any more money.Business response
10/23/2024
As requested, we are cancelling this policy as of issue. The last 3 months of premium were returned by the bank for refer to maker which I believe is the same as for stop payment. Therefore only the initial premium will be refunded back to client in a form of a check. Please send a response to ********************************** if you have a different address for us to send your check to.Customer response
10/23/2024
I have reviewed the business response and accept this resolution.Initial Complaint
10/14/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
Constant harassment via phone for a life insurance policy that was taken out by my mother. I am constantly being called to make changes to a policy that I dont own. I have been asked to be removed from all calling lists and still get constant calls. When I request removal again, they constantly refuse.Business response
10/18/2024
We would like to thank Ms. ****** for allowing us to respond. The independent contractors who sell our products will from time-to-time call customers to present any coverage for which they may qualify depending on the customers current needs.
As requested, we have added Ms. ******* contact information to our internal Do Not Call lists for all policies in the household and have asked the local office that handles their area to mark their records accordingly. Please allow up to 10 business days for this change to go through our system during which time they may be contacted. If that occurs, we ask that Ms. ****** kindly inform the caller that they have been added to the list and to discontinue contact.
We hope to have addressed Ms. ******* concerns.
Initial Complaint
10/12/2024
- Complaint Type:
- Product Issues
- Status:
- Answered
I have been trying to get a loan on my life insurance policy since September 23rd,on policy #*******.Was told I would receive an initial payment of $5,000 direct deposit into my bank account in ***** hours.With a need to fill out an application for the remaining $2,400.. Filled out the application and mailed it to AIL.Did not receive any money or explanation.Called AIL on October 3rd and was told they never received the application and something went wrong with the $5000 deposit.Completed loan request again and emailed it directly to Accounting.Contacted AIL again October 4th and was told again $7,400 would be direct deposited into me bank account in 3-5 days when it was not received I contacted AIL on Oct 9th and was told there was a problem with routing number,the same routing number they takemy payments out of for over 20 years!So payment was sent in check form, I have yet to receive.Business response
10/18/2024
According to our records, the loan check was issued on October 6, 2024. Furthermore, our notes state it was mailed out on 10/09/24 and Mr. ****** last called on 10/14/24 and we advised him to allow 7 business days. Again, It may take up to 7 business days to be received. We cannot issue a stop pay until the check is 30 days old. If Mr. ****** has not received it by 11.06.2024, please contact ********************************** and we will reissue the check.
Lastly, the reason it wasnt direct deposit (achd) is because Mr. ****** provided the incorrect routing number on his loan form.Initial Complaint
10/11/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I receive phone calls from this company that I have Life Insurance through every couple of weeks and it has gotten worse since I asked them to put me on the do not call list. I literally got 2 calls back-to-back after getting one. Call 3 days before each and every individual telling me they would put me on the do not call list. I told them. That if I get another single call, I would be canceling my business with them.The purpose of these phone calls is to get you. 2 make a video appointment so they can try and upsell you and give you a higher policy.Business response
10/18/2024
We would like to thank you for allowing us to respond. As requested, we have added your contact information to our internal Do Not Call list and have asked the local office that services your area to mark their records accordingly.
Please note that it may take up to 7 business days for this process to go through our system during which time you may be contacted. If contact occurs, we ask that you kindly inform the caller you have been added to the list and to discontinue contact. You may also provide to (**********************************) the callers name and phone number so it can be addressed as appropriate on an individual basis.
We hope to have addressed your concerns.
Initial Complaint
10/11/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I saw an ad on Indeed for a job with "***************" and applied. I had a phone interview with them and was eventually hired to "American Income Life Division of Globe Life". I was told there was a salary and that I would be managing accounts. I had to put about $300 into taking their test and getting certified. I then went into the office "***** Agencies" for about two weeks for my training that I was told was paid training. I never received my pay for that or the base salary that was listed on the job advertisement.I later came to realize that I had to cold-call people; I was told there was no cold-calling. My supervisors pressured me to push and lie to customers to get them to buy **********************. I eventually quit because I was not comfortable with this and was not getting paid the base salary. The company should not be listed under one job title/business, but actually be run under another. Their listings are deceitful and you lose money in the process.Business response
10/21/2024
We are contacting Mr. ****** directly to obtain further information and will handle as appropriate.
*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. ↩
BBB Business Profiles may not be reproduced for sales or promotional purposes.
BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.
When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.
BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.
As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.
Customer Reviews are not used in the calculation of BBB Rating
Customer Complaints Summary
711 total complaints in the last 3 years.
331 complaints closed in the last 12 months.