ComplaintsforMutual Savings Life
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
11/15/2023
- Complaint Type:
- Order Issues
- Status:
- Answered
I’m writing because I called to get some information on my husbands policy but was told it’s terminated due to non payment but I have a letter stating it was paid in full as of 12/7/20213 and that no more payments were needed but policy would remain for the life of ***** ***** exact wording I’m also including both letters as attached “ A number of years ago, the insurance policy displayed above was purchased on your life. As a limited premium PAYING policy, your need to make premium payments will CEASE on above indicated date 12/7/2013. HOWEVER, your coverage will remain in force for the remainder of your life, and cash values will continue to grow and be available for LOAN. Today a lady called me back and said a letter was sent advising payments still needed to be made because it’s a loan in 2015 but if that is the case why does it not say that on this letter also from the time the payments stopped in 2013 almost 2 years later you terminated it for no more payments even on your website it says you pay “Other benefits: Premiums remain level Coverage will continue for your whole life after the end of your premium payment period Various riders can be added to your policy” So no where does it state you have to keep paying on this This needs to be fixed asap or I will file a complaint and seek legal if needed.Business response
12/11/2023
December 11, 2023
Better Business Bureau of Missouri
*** ** ********* **** ****
St. Louis, MO 63102
BBB CASE ID NUMBER: ********
REGARDING: ***** *****
Dear BBB,
Mutual Savings Life Insurance Company received your letter dated November 23, 2023, regarding the above-referenced case. We are communicating directly with ***** ***** to resolve the concerns raised regarding his policy.
If you have any questions, please let us know. Thank you.
Sincerely,
**** *******
Compliance Analyst
Legal Department
************
Initial Complaint
10/22/2023
- Complaint Type:
- Product Issues
- Status:
- Answered
They accused me of being late with my payments. They had me paying for fire insurance that I did not sign up for. They refuse to refund me the money I paid on the fire insurance. All the years I have been with them I am paying for 4 policies and they only sent me 2 policies. I I want a refund for everything at this point so I can start another policy somewhere else. I have spoke with them and gave them multiple chances to fix the issue.Business response
11/10/2023
Please be advised that ***************************** is no longer with the Company. Complaint should be emailed to ************************************.
We have emailed ******************** and asked her to provide the policy numbers she is referring to in her complaint. We need that information in order to investigate the concerns she writes about. Thank you.
Customer response
11/10/2023
Complaint: 20767578
I am rejecting this response because: they have not gotten in touch with me or sent me anything.
Sincerely,
*****************************Initial Complaint
04/06/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
Location : Lackland Rd Last July I called and made a payment for the rest of the year for my daughter's insurance policy. I usually made the payments with someone named Susan. A few months later I received a letter that my daughter's policy was being canceled due to nonpayment. I called the office and spoke with someone named ******** about the issue. She said that ***** no longer worked with the agency, and the issue would be forwarded to the billing department. I was also asked to send a bank statement showing proof that a payment was made. I ended up going to the office to provide the bank statement. Although I provided the statement, they would not accept the copy because it did not show account activity which included details I felt the company did not need to know. Since then I've spoken with multiple people about the issue but continue to get different answers, without any resolution. Someone from the corporate office told me my policy is currently in suspension mode. The company has stopped answering my calls and will not follow up with me.Business response
04/25/2023
The Reliable Life Insurance Company received your letter dated April 18, 2023, regarding the above matter. Please note, we are corresponding directly with Ms. ******* *********** an effort to resolve her concerns, should you need additional information, please let us know.Initial Complaint
05/31/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
I've had a policy with this company for years. I took out two loans years ago and I let them the payments build up. I called them and told them I was going to start paying on them. They told me that was ok. I was still paying my premium every month. They took the money from the premiums paid in April and May and applied them to one of the loans. They sent me a letter telling me they were going to cancel my policy due to non-payment. I've paid for April and May and didn't give them permission to apply it elsewhere.
Policy# **********
Business response
06/02/2022
Better Business Bureau BBB CASE ID NUMBER: ******** REGARDING* ********* ***** ******************* ************ Legal Department Consumer Affairs Specialist Sincerely, If you have any questions, please let us know. Thank you. service regarding her concerns presented in her complaint. referenced case. We have communicated with ********* ***** by telephone and by U.S. Postal United Insurance Company of America received your email dated May 31, 2022, regarding the aboveCustomer response
06/07/2022
ms ***** called to say that the business has been in contact with her and they are trying to work it out.Initial Complaint
05/26/2022
- Complaint Type:
- Delivery Issues
- Status:
- Answered
My son died 9/27/22. I had purchased Kemper life insurance 10 months prior to his death. I filed for the insurance to payout. I submitted all documents that they requested. To date, I have not been paid the $10,000.00. I want to the Insurance to pay the policy out.Business response
06/02/2022
Better Business Bureau Atten: Dispute Resolution ********************************************** RE: ID NUMBER: ******** NAIC NUMBER: ***** POLICY NUMBER: ********** COMPLAINANT: ******************************* INSURED: ***************************** Dear Dispute Resolutions: United Insurance Company of America received your letter dated May 26, 2022, regarding the above matter. Please note, we are corresponding directly with ******************** in an effort to resolve her concerns, should you need additional information, please let us know Please contact me at ***************************** if I can be of further assistance. Sincerely, *************************** Consumer Affairs SpecialistInitial Complaint
02/11/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
2/11/2020 We received notification that a loan had been taken out against a life insurance policy we've had for 40 years and the policy was paid off. When we called they said they did this to bring other policies current and then cancelled a policy I've had for 40 years and paid off. When we contacted them a rep. said we had to contact the main office in writing about this and wouldn't answer any question. I have a total of 5 other policies and don't understand why they had to take it from the policy that was paid off and then cancelled it. We did have this happen before but the loan was paid off in ************************************************* full. I've received no other letters of notification that a loan had been taken out or that any policies we in arrears. It's just ridiculous that a company is allowed to do this kind of thing to wiggle out of a policy.Business response
03/07/2022
March 4, 2022Better Business Bureau
Atten: ***************************** 211 N. Broadway, Suite 2060
*******************
Email: ********************************************************
RE:COMPLAINT ID:16757185
POLICY NUMBER:0136007576,0190449500,0138161343,0190449500,0136115812,0136115803
NAIC NUMBER:68357
COMPLAINANT:*************************
Dear *****************************:The Reliable Life Insurance Company received your letter dated February 28,2022, regarding the above matter. Please note, we are corresponding directly with Mr. ******in an effort to resolve his concerns, should you need additional information, please let us know.
Please contact me at 1-800-791-4357 extension 4654 if I can be of further assistance
*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
7 total complaints in the last 3 years.
2 complaints closed in the last 12 months.