ComplaintsforAmerican Income Life Insurance Company
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Complaint Details
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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 The amounts withdrawn were $71.09 on 8/14/24, $14.33 on 9/3/24, $80.42 on 9/24/24 and $80.42 on 10/24/24.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
10/17/2024
- 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.Initial Complaint
10/11/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
In August 2024 I contacted American income life insurance to surrender my policy for the cash value. I was told that the cancellation form was being emailed and mailed to me. I gave them the correct email the correct address and the correct last name as they had my married name on the policy, I was told that it was updated and that I would receive it within three days Over the course The next two months I did this five more times I received an email on October 11, 2024 telling me that the bank information I gave was not sufficient mind you I sent a voided check as they said they needed. They told me that the last name was not correct even though I corrected it every time I called so they were mailing me a check, I called on October 11, 2024 to verify the information and once again they did not have the correct address. They did not have the correct email and they did not have the correct name.Business response
10/17/2024
We would like to thank Ms. Respondek for allowing us to address this issue. I spoke to her directly and we are working towards a resolve.Customer response
10/17/2024
I have reviewed the business’ response and accept this resolution.Business response
10/18/2024
The policy had not been surrendered when the complaint was initially filed, for we needed the Automatic Premium Loan (APL's) funds to revert back to Ms. Respondek's policy. Going forward, the policy will be surrendered on 10.18.24 in the form of a check, which we estimate will be mailed out on 10.24.24.
Unfortunately, we are unable to direct deposit funds into a "Chime" account.
Initial Complaint
10/11/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
We cashed out 2 life insurance policies and have not gotten the moneyBusiness response
10/24/2024
We would like to thank Ms. *** for allowing us to respond. A review of our records shows that Ms. *** called our office on August 13, 2024 to cancel policies ******* and ******* on which she is the policy owner and transferred to the correct department to handle her request. Both policies were removed from automatic bank draft to prevent her account from being drafted for premiums while in the cancellation process and cancellation forms were sent to Ms. *** to complete, sign and return to our office for processing.
We show the completed cancellation forms were received in our office however, the last four digits of the social security numbers on the forms were not correct for Ms. ********** Based on her communication with your office, and in order to resolve this matter, we have surrendered both policies for their full cash surrender value and have credited ******** bank account, as requested by Ms. ********** We ask that Ms. *** allow up to *********************************************** her account as it will depend on her financial institutions posting schedule.
We hope to have resolved this matter satisfactorily.
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Customer Complaints Summary
711 total complaints in the last 3 years.
329 complaints closed in the last 12 months.