ComplaintsforAmerican Income Life Insurance Company
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Complaint Details
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Initial Complaint
10/10/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
This company is refusing to remove my phone number from their database. I do not have a policy with them. A ********* ***** is harassing me now after being told multiple times they have the wrong number. He refuses to stop texting my phone from 8pm to 930 pm. Told them Ill be forwarding their information to attorney general since they refuse to stop contacting me.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.
Customer response
10/30/2024
I have reviewed the business response and accept this resolution.Initial Complaint
10/10/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
My grandmother based in **** AZ called me crying after receiving a call from them stating they worked with her union and just wanted to go over coverage options. After saying no for an hour and a half with the agent, ****, she reluctantly agreed to whatever he said would get her off the phone. She then sent a letter stating she did not want any of the coverages. she thought the policy was fixed until money came out of the account. When I asked what steps would be needed to have that corrected the agent stated he only did what she asked. They are taking advantage of seniors who do not understand the consequences and it is honestly disgusting.Business response
10/16/2024
We would like to thank you for allowing us to respond. In order to resolve this matter we have cancelled the policy and have refunded the premium.Initial Complaint
10/08/2024
- Complaint Type:
- Sales and Advertising Issues
- Status:
- Answered
05/2023 until 06/2024 this company continued to take money from my checking account. I had made some changes to my insurance and then realized I couldnt afford the changes over the long term. I called back and spoke to an agent who canceled the policy changes but did not cancel the auto pay. I didnt follow up. I didnt catch this for over a year. I called the company and explained. They said they would have to review the recording of the transaction. I waited and waited I finally called back. I had to go through the whole story again. The person admitted to having heard the recording of me stopping the changes and going back to original policy. That person said my case needed to be reviewed for refund. I called back again telling my story again to yet another person. That person actually calculated the amount that was to be returned to me *******. He then said it had to go his supervisor, for approval. That phone call was back at the beginning of July 2024. I started emailing they said I needed to be patient these things take time. Then they emailed telling me the name of the agency and I should call them. I emailed back asking if they are returning my money? I havent heard from them. I feel I have been getting the run around since the beginning. My wife and I are still paying for the policy we started with. I feel we are just being robbed **** *******Business response
10/30/2024
We appreciate **** ******* reaching out to our office regarding this matter. Our records show that the insured reached out to our office on June 15, 2023 and requested cancellation of policy ********, leaving policies 18083491/92 and ******** in force. On June 18, 2023 our office direct deposited $354.10 into the insured's bank account. Inadvertently, the bank draft was resumed in August 2023.
On October 22, 2024 our office deposited $2,052.20 directly to the insured's bank account, thereby cancelling the policy.
If the insured had further questions, he can reach out to me directly at **********************************.
Initial Complaint
10/04/2024
- Complaint Type:
- Product Issues
- Status:
- Answered
Used to have a life insurance policy through this company. Have asked for cancelation of policy and have submitted paperwork to them. Have emailed multiple times and haven't received monetary compensation from canceling policy.Business response
10/14/2024
We would like to thank *** ********* for allowing us to respond. We will use the surrender forms that you sent via email as authorization to surrender the policies. Please allow 3 business days for the release of funds.Initial Complaint
10/04/2024
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
I have been trying to cancel my policy with AIL since July 2024. I have contacted them 3 times. Each time I am told that I will be receiving the final documents to sign via email and direct mail within the next few days. I have not received anything. They have reached out to me twice to review my policy and make needed changes. When I explain that I do not need to review or change it, only cancel it, I get the run-around. One agent was even hostile and confrontational. They have stopped the automatic draft from my checking account, but are now applying a loan against the remaining cash value of my policy for my monthly premiums. This should have been refunded to me 3 months ago when I first requested the cancellation. I just want this policy cancelled, effective 7.12.24, the date I first requested it; and I want the loan against my balance refunded.Business response
10/09/2024
We would like to thank you for allowing us to resolve this issue. We will be reversing 3 months of APL’s on 10.09.24 and we will surrender the policy on 10.10.24 for the cash value. The check will be mailed out after 3 business days from the 10th, please allow 7 business days for the funds to reach you.Initial Complaint
10/04/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I received an email that my policy was past due and that I owed ****** which was about ***** more than I would pay. I called and was told by the agent that my payment was not paid since July, and it is now October. But what is interesting is they called me two weeks prior to increase my policy and to update the beneficiary. When I called, I spoke with an agent that they would only give me her initials AVM. She was RUDE! I asked to speak with a manager and ******* came on the line he started off nice but when I started to ask questions regarding why was my premium *******, she got a NASTY attitude as well! I'm asking them to understand it my why! How does an agent reach out to call me to update/review my policy, but the policy is not in good STANDING! The agent told me that my policy was PAID and in good standing! Everyone is giving me incorrect information! I then asked to speak with Yesinia's manager she SENDS ME to a voicemail box! No update or warning call is just transferred! I call back and speak with *******! ******* informs me that none of the information was true the policy was only back by two months and that the payment was removed from autopay! Why couldn't a manager recognize this or fix the situation!?! I would just love for them to pull the call and listen to the agent and the manager BOTH not knowing what the heck they are talking about beating me mad! call was made with agent *** / and manager or escalation **** Yesinia - 10/04/2024 at 12:15Business response
10/24/2024
I want to take a moment to address your concerns and reassure you. The agents you interact with are independently contracted, and I've made their upper management aware of our conversation today. I understand that the interaction you experienced was not acceptable, and I want to assure you that their management will address this matter with the agent in question.
Please know that your policies are fully in force and continue to provide you with the coverage you need. Your trust is very important to us, and we're here to ensure you have a positive experience moving forward. If you have any further questions or concerns, please feel free to reach out.
Thank you for your understanding, and we appreciate your continued support.
Initial Complaint
10/02/2024
- Complaint Type:
- Sales and Advertising Issues
- Status:
- Answered
This company is constantly harassing me...3 to 4 phone calls per week and also text messages wanted to have a 45 min meeting about life insurance..these calls also happen on weekends...told them several times not interested and please put me on the do not call list...different people call from many numbersBusiness response
10/09/2024
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 (doicomplaints@globe.life) the caller’s name and phone number so it can be addressed as appropriate on an individual basis.
We hope to have addressed your concerns.
Initial Complaint
10/01/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I was injured November 2022 Had surgery June 19 2024 I don't see this Insurance make sense Because, state fund workers compensation california paid me So , I ********** to cancel They keep giving me round around for the past 6months I want my money back atleast $100.00 I have been paying them 10 years I ask nicely to cancel 3x f9r 6 months they keep taking money out from my account until today they still.give me a 45mins hold to be connected to canceling departmentBusiness response
10/07/2024
We would like to thank Rachel M Muriel. We will use the attached photo as authorization to surrender the policy.
Please allow 3 business days for the release of funds.Business response
10/07/2024
Good afternoon,
The policy in the complaint does not earn a cash value therefore there are no funds to release. However, the policy will be surrender per your request.
Initial Complaint
09/30/2024
- Complaint Type:
- Product Issues
- Status:
- Answered
I signed up with this company previously this year. After following all of the proper instructions and meeting my cost that was requested, I called to cancel. They said that everything was canceled and I would not be charged and that they would be sending me an email of the document I would need to sign and mail back. I never got an email and when calling back they say they never received a phone call. Every time I call back and they say they never received a phone call. I have recordings of these phone calls. Im requesting my money back for what has been charged after I made the first original phone call and for my account to be fully closed down with this company.Business response
10/09/2024
We would like to thank Ms. Amory for allowing us to respond. Our records show that Ms. Amory called our office on September 16, 2024 to request the cancellation of her coverage and was transferred to the correct department to handle her request. One of Ms. Amory’s policies was removed from automatic bank draft to prevent her account from being drafted while in the cancellation department and a cancellation form was emailed to the email address on file to be completed and returned to our office for processing.
Ms. Amory also called our office on October 1, 2024 and stated that the cancellation form had not been received and another form was emailed to her. As of today, we do not show the cancellation form has been received in our office.
A further review of our records indicates that Ms. Amory’s other two policies were not removed from automatic bank draft and drafted for premiums on their scheduled draft date of September 19, 2024. In an effort to resolve this matter, we have credited the bank account on file for the premiums drafted after Ms. Amory’s initial call on September 16, 2024 totaling $41.88. The credits totaling this amount should reflect in the customer’s account within the next 72 business hours, depending on her financial institution's posting schedule.
Additionally, based on Ms. Amory’s request, we have forgone the cancellation form and have cancelled all policies with our Company. Letter acknowledging the cancellations will be mailed directly to Ms. Amory for her records.
We hope to have resolved Ms. Amory’s concerns.Initial Complaint
09/30/2024
- Complaint Type:
- Product Issues
- Status:
- Answered
My husband established this policy and has since cancelled. We are separated and they would not allow my husband to cancel my policy. It has been years of them calling and disconnecting the all or claiming to send me paperwork. I was never given a policy number or sent any type of paperwork however they continue to withdraw money from my husbands account. There is no way for me to access anything on their site because I do not have a policy number. They are incredibly unprofessional and unhelpful due to working under commission. This has been a huge weight and inconvenience to not have control or access to a "life insurance" policy written in my name.Business response
10/08/2024
Good evening,
I sent an email and I reach via phone and left a voicemail. I need the answer to the following questions so I can move forward and resolve this complaint.
What's your husband's name? Who owns the policy? Are you looking to cancel the policy, have your name added to the Do Not Contact (DNC) list or both?
Business response
10/14/2024
We appreciate LaPrincia *** ***** for reaching out to us regarding this matter. Our office did receive a completed cancelation form for Life Policy ********, it will be used for authorization. Policy will be cancelled as of the September payment. Please allow 7 business days for the surrender value to be released.
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Customer Complaints Summary
711 total complaints in the last 3 years.
329 complaints closed in the last 12 months.