ComplaintsforAAA Life Insurance Company

Life Insurance

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Initial Complaint
07/09/2024
Complaint Type:
Customer Service Issues
Status:
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.
I got a letter from AAA Life Insurance Company on 6-9-2024, indicating that my life insurance policy only covered me to age 65. I would turn 65 on 6-16-2024. So, I called to get info on converting over to a whole life policy. I talked to a lady named *******************. After speaking with her, I decided to switch to whole life @ $113 per month. The charge appeared on my credit card for the new policy on 6-17. Six days later, another charge for $113 appeared on my credit card, as well as a charge for $59 (which was the monthly charge for the old policy that was supposed to have been cancelled. In the meantime, I had received a letter from AAA Life Insurance that said that my old policy (which was supposed to have been cancelled) was 2 months behind in payments. I called AAA Life Ins customer service to find out why all this was happening. They told me that the new policy, for reasons unknown, was back dated to May 23. I said that was incorrect, and the lady I was talking to said I would have to work that out with *******************. I called ******************* (on 7-3-24) and asked her why all this was happening. She said it was "customer services fault", and said she would have a supervisor call me.On 7-8-24, after having recieved no call and no refund, I again called *******************, and got her voice mail. I told her that I wanted a refund posted be the end of the business day, or I would cancel the policy and dispute the extra charges through my credit card company.******************* called my back several hours later, and said a refund had been issued for the extra charges, and that they were starting the application process for this policy all over again. While she was on the phone, I pulled up my credit card account on my computer. No refunds had been issued. I told her to cancel the policy and refund the entire amount. She said that I would need to contact customer service. I told HER to contact customer service, and I hung up.
Business response
07/12/2024
Hello, ******************, thank you for reaching out to AAA Life Insurance Company and making us aware of this situation. We apologize for your frustration! Our team has reached out to you personally to discuss resolving your issues, and we have confirmed that both policies are now cancelled and a refund of the premiums you requested has been initiated. We hope this resolves your frustration, and we apologize again. - ***************************

Customer response
07/17/2024
[A default letter is provided here which indicates your rejection of the business's response.

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint. For your reference, details of why I am rejecting this response appear below:

[You must provide details of why you are not satisfied with this resolution. Please type details here:] The original response from AAA Life that I received dated Friday, July 12, stated that both policies had finally been closed. I THEN received a call from AAA employee ******************* (sp) on Monday, July 15. He left a voicemail indicating that he could get the ball rolling on closing those accounts (that supposedly had been closed already) if I would call him back and discuss it with him. I am disgusted with this company lying to me. ******************* was supposed to cancel the OLD policy upon issuing the NEW policy, back on June 17. She lied when she said she would take care of it. I DO NOT wish to receive ANY MORE PHONE CALLS from this dishonest company.

Regards,

***********************
Business response
07/18/2024
Hello, ******************, we apologize again for the frustration. To confirm, we have cancelled your policies and will refrain from future communication. We hope this resolves the situation and are sorry for this unfortunate frustration. - ***************************
Initial Complaint
07/06/2024
Complaint Type:
Service or Repair Issues
Status:
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.
I applied for life insurance and I was denied because of a report they got from ******** IntelliScript. They said I can obtain that report from ******** and I have tried and ******** has refused to provide any information on the report. Which they either doesn't have anything to report or sent AAA false information. Also, I was told in the advertising no medical exams and only 4 medical questions. I answer all question truthfully yet they based their denial on a report that I have been refuse access too. Also, if their is only four medical questions then why are they asking for more medical information from ********? In the denial letter they said that I have the right to dispute it with ******** that was a lie because I have tried and they refuse it. They denial has no bases. Yet they continue to send me advertisement to purchase their product.
Business response
07/09/2024
Hello, ********************, thank you for reaching out to AAA Life Insurance Company and we apologize for the frustration you are experiencing. We have ensured a member of our New Business team has been in communication with you to offer support, as well as to remove you from AAA Life's mailing list per your verbal request over the phone. We hope you feel like you now have enough information about other possible coverage options with AAA Life, and we appreciate your consideration of our company for your life insurance needs. We apologize again for the frustrating situation! - ***************************
Customer response
07/09/2024
[A default letter is provided here which indicates your rejection of the business's response.

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint. For your reference, details of why I am rejecting this response appear below:

AAA Insurance did not supply me with any specific reason why I was denied other than the ******** report. However, that report has many errors and incorrect information. But without knowing what it was that caused the denial it cannot be address. Therefore, I am being denied still for a unknown reason.

Regards,

***************************
Business response
07/12/2024
Hello, ********************, AAA Life Insurance Company has reached back out to you personally to discuss the ******** report and the reason for your rejection. If you wish to dispute the report, you will need to contact ******** directly. AAA Life can then re-process your application at that time, and we have also provided other life insurance coverage options for you to consider. We hope this has addressed your concerns, and resolves your complaint. - ***************************
Initial Complaint
07/03/2024
Complaint Type:
Service or Repair Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
On June 6, 2024, I lost my sister ************************** who has 2 separate life insurance policies through AAA Life Insurance. One claim, in the amount of $5,024.50 was paid on June 17, 2024. The other claim, in the amount of $5,029.70 remains unpaid. When I phoned AAA 2 weeks ago, I was told that the claim had been processed and payment should be received shortly. When I phone today, I was told that the claim had not been processed and the claim would have to be expedited which would take 2 weeks before someone gets back to me. AAA was notified 4 weeks ago of my sisters passing and these funds are being used for final disposition and my having to wait 8 weeks for payment is unacceptable.
Business response
07/08/2024
Hello, *******, thank you for reaching out to AAA Life Insurance Company and making us aware of this situation. We have had a claims advocate reach out to you personally to talk about the policy in question, and to assist you with your additional requests. We appreciate the opportunity to make this right for you, and apologize for the delay in communication. - ***************************
Customer response
07/08/2024
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
***************************
Initial Complaint
06/27/2024
Complaint Type:
Service or Repair Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I have applied for accelerated death benefits because I have liver cancer, and the claim examiner claims they are waiting to hear back from my oncologist. The oncologist claims they called and provided the information on June 24, 2024. I have requested several call-backs but so far, nothing. They continue to tell the the claim examiner will call within 72 hours, which continues to move further in the future
Business response
06/28/2024
Hello, *******, we are so sorry for the delay in servicing your claim. Our Claims team has been in touch with you to resolve this issue and ensure you are satisfied with your service. We apologize again for the delay in communication and wish you our very best at this difficult time. - ***************************
Customer response
06/28/2024
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me. They have already performed this action and will consider this complaint resolved.
Regards,
***************************
Initial Complaint
06/24/2024
Complaint Type:
Sales and Advertising Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I am a AAA member because I have insurance for a car. Thus the company is harassing me with life insurance "qualification" on a weekly or biweekly basis. I have tried to contact them to stop sending such a scam. It only got worse. Now I have multiple size envelopes with multiple offer to purchase a product I will NEVER acquire it from them. Since life insurance is only good when you are dead, I call it "inheritance assurance or an excellent reason to be killed". Would kindly make them stop their harassment. I would truly appreciate it.
Business response
06/25/2024
Hello, *******, thank you for reaching out to AAA Life Insurance Company and we apologize for this frustrating experience. We have submitted your name and mailing address to our Documents team to be added to our company's Do Not Solicit list - please note, it may take up to 60 days for mailings to cease due to printing schedules. Thank you for bringing this to our attention and we hope this resolves your issue. - ***************************
Customer response
06/25/2024
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
********************************************
Initial Complaint
06/22/2024
Complaint Type:
Customer Service Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I am not able to opt out of the almost monthly *** Life Insurance offers mailed to my home address and my repeated requests to stop these mailings have been ignored. I am not interested in *** life insurance and no longer wish to receive these offers and the pre-printed address labels AAA life insurance company continues to send via ***** I should not have to be filing a complaint with the BBB to get these unsolicited mailings stopped there should be a clear opt out option included in the mailings or on the *** Life Insurance website for this purpose.
Business response
06/24/2024
Hello, AAA Life apologizes for your frustration. We are happy to add you to our Do Not Solicit list - please note, it may take up to 60 days for mailings to cease due to printing schedules. T**** you for reaching out to AAA Life Insurance Company so we can assist! - ***************************
Customer response
07/02/2024
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
***************************
Initial Complaint
06/20/2024
Complaint Type:
Sales and Advertising Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
My husband took out a accidental life insurance policy on both uf us.He is alzheimers now so I requested it be cancelled 3 months ago.I have called AAA 3 times requesting that no more money be taken from out account.They needed Dpoa paperwork, I sent it. Then, needed a copy of my driver license. I sent that also. Now, they say it has to be all mailed to AAA.Due to needing a signature.I am requesting that they pay back the money that they've continued to take out of our account.I've had no luck dealing with customer service.My husband is alzheimers and unable to make a request. I am wife and beneficiary of the policy.Please help with this issue. ****** and *******************************
Business response
06/24/2024
Hello, thank you for reaching out to AAA Life and our apologies for the frustrating situation. We connected with our internal team, who have reached out to you and formalized a resolution to your issue. Thank you for bringing this to our attention so we can help make things right for you and your husband. - ***************************
Customer response
06/27/2024
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
*******************************
Initial Complaint
06/19/2024
Complaint Type:
Service or Repair Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I have been receiving mail at my address of ********************************** addressed to ************************* approximately once a month for a very long time. Each time I cross out the barcode, circle his address, then clearly write "NOT AT THIS ADDRESS, RETURN TO SENDER." I am still receiving mail for him even though he has NEVER lived at my address. I have even called the local *** office and had them put in a request to remove his address from being listed as mine. All I want is to stop receiving mail for *************************. Not a big request but it has come to getting the BBB involved because *** keeps continuing to send the mail outs. The *** mail address listed is *******************************************.
Business response
06/20/2024
Hello, *****, we apologize for this frustrating situation. We have added you and ************************* at the address you provided to AAA Life Insurance Company's Do Not Solicit list - please note, this may take up to 60 days to be in effect due to printing schedules. Thank you for reaching out so we can address your situation. - ***************************
Customer response
06/20/2024
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
***********************
Initial Complaint
06/12/2024
Complaint Type:
Service or Repair Issues
Status:
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.
I cancelled AAA a while ago. They asked for my new address so I could cancel. I was stupid enough to give them it. I received many many letters within a few months. All the same or similar from AAA. A lot of them said second attempt. All disguised to sell me life insurance. Pushy pushy people! Now they may say you should have read the small print. I feel like its harassment. I called today and asked to be removed from their mailing list, they said it would be ***** days to take effect! Why!! Just stop sending them! Would you like it? No.Please dont respond to this trying to make amends as you dont actually care, it would just be to look like an effort is being made.
Business response
06/13/2024
Hello, we apologize you are receiving unwanted advertisements from AAA Life Insurance Company. We would need to confirm your name and mailing address in order to stop mailings, and confirm you have been added to our Do Not Solicit list. You can email this information directly to ************************** please note, mailings take up to 60 days to cease due to printing schedules. We hope this helps address your issue, and look forward to hearing from you to ensure this situation is resolved. Thank you for reaching out! - ***************************
Initial Complaint
06/12/2024
Complaint Type:
Order Issues
Status:
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.
This company has been soliciting for MONTHS as they INSIST I purchase a life insurance policy with them. I DON'T WANT INSURANCE WITH THIS COMPANY!!! This afternoon, I call FOR THE FOURTH TIME to be REMOVED from their mailing list. THEY ABSOLUTELY REFUSE. If this continues, I will be going to the media and explaining the sheer harassment I've endured with these people. ENOUGH IS ENOUGH!!!
Business response
06/13/2024
Hello, *****, we apologize for this frustrating situation. We have communicated your name and mailing address to our internal documents team to confirm you have been added to AAA Life's Do Not Solicit list - please note, you may receive mailings for up to 60 days after the request has been confirmed due to printing schedules. We hope this satisfies your concerns, and appreciate you reaching out to AAA Life Insurance Company to address the issue. - ***************************
Customer response
06/15/2024
[A default letter is provided here which indicates your rejection of the business's response.

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint. For your reference, details of why I am rejecting this response appear below:
This company has been soliciting for the past 3 months. NOW, I'm expected to wait an additional 60 days? 2 MONTHS??? UNACCEPTABLE with regards to the technology that we have today. Will I need to file harassment charges against you? YOU REFUSE TO LEAVE ME ALONE!!! WHAT IS WRONG WITH YOU PEOPLE???? 60 days is BEYOND unacceptable.

[You must provide details of why you are not satisfied with this resolution. Please type details here:]

Regards,

*******************

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