Complaints

This profile includes complaints for American Income Life Insurance Company's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  American Income Life Insurance Company

  3700 S Stonebridge Dr McKinney, TX 75070-5934

  
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  American Income Life - Simon Arias Agency

  10330 N Dale Mabry Hwy STE 226 Tampa, FL 33618-4457

  
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  American Income Life - Nick Moore Agency

  200 Central Ave Ste 507 Saint Petersburg, FL 33701

  
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  American Income Life Insurance Company

  9121 Anson Way STE 200 Raleigh, NC 27615-5857

  
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  American Income Life Insurance Company

  11900 Biscayne Blvd STE 501 North Miami, FL 33181-2749

  

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

• Initial Complaint

  Date:02/23/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On January 17th 2024 we opted to cancel and cash out our life insurance policies. We were told that since it was in fact a cash out and cancel that no investigation or so forth would be necessary and that within 3-5 days of receiving cancellation that our funds would be direct deposited into our bank account. We had to call them several times and had to hold at least ***** minutes on every call. We had to call at least 3 times to finally receive the form via email. We filled out forms and sent them back on January 31st. Received email that the action was taken care of and complete. Only one cash value of one policy was deposited. Once again after several calls we have still not received his funds in the amount of $1880.00 minus bank fees of course. We strongly believe that this company is holding this money for absolutley no reason. We are worried that we will never see it. They lied to us from the get go when we started these policies. We were told that after the age of 65 we would no longer have to pay and we would receive the total amount. Last November of 2023 we in fact were told this was no longer true. If we didnt keep up with the payments that we would only receive ****** on a ****** dollar policy. All we want at this point is the money that is owed to us. The Cash value of ******************** policy. They have no reason to hold it. His policy number is ********. If you can help us in any way we would greatly appreciate it. It has almost been over a month since we cancelled this policy and since January 31st since it was complete. We would just like the money that is in fact ours and is owed to us. They have taken enough from us.

  Business Response

  Date: 03/04/2024

  We would like to thank ********************* for reaching out to us.  According to our records, Whole Life policy ******** was issued on August 5, 2017. Page 3 of policy provides the Table of Nonforfeiture Values.  This document shows that the policy would require a payment of premiums for 70 years.  The policy would not be paid up at age 65.

  The cash value of the policy will be deposited directly to the insured's bank account today.  Please allow 3 business days for the transaction to process.

   

• Initial Complaint

  Date:02/22/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I contacted American Income Life ( AIL) after the death of my husband, he had a small life insurance policy with AIL since 2000. The instructions in the packet was to give the form to Funeral Director and they would take it from there. The funeral director completed the required paper work and I read and signed off on it and the funeral director mailed the paperwork to AIL via certified mail 1-24-2024. Prior to that she called AIL however no answer or return call occurred. On 1-30-2024 I called and spoke to an agent at AIL to check status of claim, the agent said they had not received any information or claim. I notified the funeral director to check the address she mailed the forms to which were correct and she had received the certified mail ticket which shows the insurance company received the certified mail and signed for it on 1-29-2024! Receiving no further contact I called AIL again on 2-8-2024 to check status of claim, agent stated they did not have the funeral assignment information. I told her I read it and signed off on it and it was sent and received via certified mail. She said she would check with claims and get back to me , I requested a phone call or email from her. I called funeral director who had received a letter stating they didn't have the funeral home assignment, she had copies of her original documents and she faxed the documents on 2-12-2024, which included the assignment they said they never received. I called and spoke to agent at AIL on 2-14 to check status of claim, I was told the same thing , they didn't have the information and she would check with claims and get back to me. Today, 2-22-2024, I called AIL and ask the agent if I could speak to a supervisor, he put me on hold and a recorded message came on that I would need to speak to the resolution department instructing me to leave my phone number. I am very concerned I am being put off again and I am not sure why. Is American Income Life still a legitimate business?

  Business Response

  Date: 03/04/2024

  We would like to thank ************************ for reaching out to our office.  The Claims Review is complete.  Benefit checks payable to ************************ and to ********** Mortuary were released on February 26, 2024.

  Customer Answer

  Date: 03/04/2024

  I have reviewed the business response and accept this resolution.  The check arrived March 4, 2024 .  Thank you. 

• Initial Complaint

  Date:02/22/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have canceled this policy and received notification that it was canceled and yet they keep taking money out of my account. I closed account in December 2023.

  Business Response

  Date: 03/12/2024

  We would like to thank ****************** for allowing us to respond.  A review of our records shows that an email dated November 22, 2023 was received in our office from ****************** that requested the cancellation of the accident policy.  This policy was removed from the bank draft method of payment to prevent premiums being drafted while in the cancellation process and a cancellation form was sent to the customer to be fully completed, signed and returned to our office for processing. The completed form was received on December 26, 2023 which only listed the accident policy and the policy was cancelled.  A cancellation acknowledgement letter dated January 2, 2024 was sent directly to ******************. Please note that the letter stated the cancellation notice was only for the policy referenced in the letter and did not affect any other coverage she may have with our Company.
  
  Since the life policy was not requested to be cancelled it remained active and continued to draft for the premiums as they became due.  In an effort to resolve this situation, we have reversed all premiums drafted for Ms. ******** life coverage totaling $349.76 and have credited the bank account on record.  This credit may take up to 7 business days to reflect in her account as it will depend on Ms. ******** financial institutions posting schedule. 
  
  We hope to have resolved this matter satisfactorily for ******************.   

• Initial Complaint

  Date:02/21/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Years ago I signed up with American Income Life Insurance Company through a family member. I never received any paperwork, emails, calls despite trying to reach them on a number of occasions. Money was taken from my account every month for more than a decade. When I cancelled the payment after trying to reach them yet another time, my mother immediately started getting repeated calls and I kept getting bills. I wrote to them to ask them to cancel and they have not done so and they continue to send me bills.

  Business Response

  Date: 03/11/2024

  According to our records,***************************** applied for and was issued Whole Life policy ******** with an effective date of June 4, 2010. Pursuant to the request at the time of application, the policy was mailed to the home address. Our records indicate we received a phone call from the insureds mother on July 18,2023. Because the mother was not the owner of the policy it could not be cancelled. Our records indicate we received a cancellation request from the insured which was entered into our system on February 29, 2024. The policy will be surrendered for the cash value. Please allow seven business days for the release of funds.
  

• Initial Complaint

  Date:02/21/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Hello, I have been contacted on almost a bi-montlhy basis since June of 2023 to have a "policy review. Every single time I have picked up the phone, I have been asked to be put on the do not call list, as I do not wish to review my policy. I can count from my memory SEVEN phone calls, each of which I have been asked to be put on a do not call list. I was contacted in June, September, December, January and February so far this year. when I was contacted in January, about a week after I told someone to put me on the do not call list, the agent that I spoke with told me that no one has put notes into my file to not call me, she then told me she would be doing so. This evening I received two back to back calls, I picked up on the second time and again its as American Income life. this treatment of customers is absolutely unacceptable and I very clearly told the agent that I was appalled and that they should not be contacting me re the note. Every single time, I picked up a phone call between now and June 2023, I have asked to not be called for a policy review, I am 28 years old I do not need more life insurance. They refuse to put me on the do not call list within their company, I pay them 170 monthly already.

  Business Response

  Date: 03/04/2024

  We would like to thank ******************************* for reaching out to our office.  We have added her phone number to our internal DNC list.  In addition, we have requested that the office of the local independent agent remove your contact information from their database.  Should you continue to receive phone call please contact with the phone number.  ******************

  17590836, 18384777

  Customer Answer

  Date: 03/04/2024

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  Date:02/21/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company is harassing us! They call us at least once a week to try and con us into increasing our benefits. They spin it as free services available and then set up a zoom meeting that takes hours just to have additional services pushed on you. We have asked to stop receiving these calls for at least a year and they continue. Weve been told over and over again that we will be put on a do not call list. If I dont answer, they will call several times in a row and then try my husbands number over and over again as well. Honestly, this is harassment at this point and I am so done with this company. I have stated over and over again if my actual claims rep needs something from us to email.

  Business Response

  Date: 03/14/2024

  We would like to thank ************ for allowing us to respond. As requested we have added their contact information to our internal Do Not Call list and have asked the local office that services their area to mark their records accordingly.  Please note that it may take up to 10 business days for this change to go through our system during which time they may be contacted. 
  
  In the event that occurs we ask that they kindly inform the caller they have been added to the list and to discontinue contact.  Additionally, if further calls are received after this period of time,  we ask that they provide our office with the phone number (s) and names of the callers  in order to address as appropriate.  

  Customer Answer

  Date: 03/14/2024

  It has recently come to my attention that I am not receiving the benefits that I was advised we were getting. We were under the impression we were paying for $200,000 whole life policies for both my husband and I with some additional benefits like AD&D, hospitilization, etc. we have been paying over $180 a month for these benefits just to find out we actually only have $****** whole life (that were being charged $90 a month for) and the rest set up as other benefits like AD&D and term life insurance. We have never elected to have term life and never gave permission to set up our benefits this way either. We have been misled and scammed out of thousands of dollars by this company. Who in their right mind would pay 90 a month for a $****** policy.. that does absolutely nothing. I am disgusted and enraged by this companies business practices and fraudulent behavior. I am going to cancel but now that I know a big chunk of my benefit is some ridiculous hospital benefits, I need to review if a prior claim is eligible prior to cancelling and to get my premium pay out, which I was told is less than $200.. because again, only ****** of my benefits were actually whole life. Despicable business practice and theyre set up like an MLM. Ive been put on the do not call list over a dozen times and still receive them. This business cannot be trusted.

  Customer Answer

  Date: 03/15/2024

  I am rejecting this response because:   

  It has recently come to my attention that I am not receiving the benefits that I was advised we were getting. We were under the impression we were paying for $200,000 whole life policies for both my husband and I with some additional benefits like AD&D, hospitilization, etc. we have been paying over $180 a month for these benefits just to find out we actually only have $****** whole life (that were being charged $90 a month for) and the rest set up as other benefits like AD&D and term life insurance. We have never elected to have term life and never gave permission to set up our benefits this way either. We have been misled and scammed out of thousands of dollars by this company. Who in their right mind would pay 90 a month for a $****** policy.. that does absolutely nothing. I am disgusted and enraged by this companies business practices and fraudulent behavior. I am going to cancel but now that I know a big chunk of my benefit is some ridiculous hospital benefits, I need to review if a prior claim is eligible prior to cancelling and to get my premium pay out, which I was told is less than $200.. because again, only ****** of my benefits were actually whole life. Despicable business practice and theyre set up like an MLM. Ive been put on the do not call list over a dozen times and still receive them. This business cannot be trusted.

  Business Response

  Date: 03/26/2024

  This matter is currently under review.  A response will be provided shortly.

  Customer Answer

  Date: 03/26/2024

  I am rejecting this response because:   I have made several efforts to call customer service and cancel this policy. Please pay out what is owed from premiums and cancel my policy. I also expect a refund for the most recent payment that came out as I have been trying to cancel. If not, I will proceed with contacting my bank. 

  Business Response

  Date: 03/27/2024

  We once again thank ************ for the opportunity to respond.  A review of our records shows that an application dated September 17, 2019 was received in our office which resulted in policies being issued for ************ and her family.  This application requested whole life coverage in the amount of $15,000 as well as a 10 year renewable and convertible term rider, an accidental death benefit and a disability waiver of premium.  In the event of a natural death both the whole life portion and the term rider portion of each policy would be payable to the beneficiary.  In the event of an accidental death the additional accidental death from each life policy plus the benefit payable under the accident only policy would be payable. In addition,the ***** also elected to purchase a cancer plan.   
  
  Upon receipt of this application, an email dated September 20, 2019 was sent to ************* email address as provided on the application which included the Summary Sheet detailing the coverage purchased and the premium amount.  All contracts were mailed directly to the Holts to the address provided on the application and a further review of our records does not show that the contracts were returned to our office by the *********** as being undeliverable. 
  
  An application dated February 23, 2022 was received in our office which resulted in additional coverage being issued for ************ and her family.  This policy also requested a whole life in the amount of $15,000 and a ten year renewable and convertible term rider for Mr. and ************* and a whole life insurance policy for their child.  Upon receipt of this application an email dated March 7, 2022 was sent to ************** email address as provided on the application which included the Summary Sheet detailing the coverage purchased and the premium amount. .  All contracts were mailed directly to the Holts to the address provided on the application and a further review of our records does not show that the contracts were returned to our office by the *********** as being undeliverable. 
  
  All policies were issued in good faith as requested on the applications received and notifications and contracts mailed in a timely manner.  Had a death claim been incurred, benefits from both sets of policies would have been payable as indicated on each contract.  If ************ has any outstanding accident or cancer claims that she would like to forward to our office we will be more than happy to review them and pay any applicable benefits, provided the occurrences took place after the issue date of the policies.  

  Customer Answer

  Date: 04/02/2024

  I am rejecting this response because:   I will be the first to admit that I was young and naive and not reading through the documents with a fine tooth comb, but I think thats exactly what your predatory company hopes for. Our original conversation in 2019 was not for what youre stating. We sat at a kitchen table with a woman who we honestly never should have trusted in the first place because she couldnt figure anything out and had to call her supervisor multiple times. We should be able to trust what agents of YOUR company are telling us and how they are representing benefits. I dont care whether you feel it was in good faith or not. You and I both know it wasnt. Read your reviews online. Read what people what to say about you. Predators, manipulators, liars. Its for the same reason you have people ******* our phones at all hours and hang up when you ask to cancel or tell them to stop calling you. Cancel my policy, mail me my premium money, and refund whatever you have billed me in the last month. 

  Business Response

  Date: 05/16/2024

  A review of our records indicates that ************** original correspondence with the Better Business Bureau took place prior to the last premium draft, based on that we are honoring her request for a refund of the April draft which will be credited to the bank account on file.  As well, based on her most recent correspondence, we are forgoing the cancellation forms needed to cancel all coverage and are cancelling all policies in the household.  Any available cash value of the life policies and cancellation acknowledgement letters for the accident and cancer policies will be sent directly to the policyowners.
  
  As previously stated, the contact information for all policies in the household was added to our internal Do Not Call list following her original request.  

• Initial Complaint

  Date:02/21/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  American Income Life Insurance has been told multiple times that policies were cancelled however they call our home on a daily basis, sometimes multiple times a day. I have asked to speak with a supervisor regarding the matter and been sworn at. This is non stop harassment from this company. We want no further contact from this company about anything for anyone living at our address.

  Business Response

  Date: 03/01/2024

  We would like to thank **************** for allowing us to respond.  A review of our records shows that while the life policy on **************** lapsed effective May of 2022 there is active coverage under the accident only policy which may have prompted contact by an agent.  As requested,  however, we have added ****************** contact information to our internal Do Not Call list and have asked the local office that services their area to mark their records accordingly.
  
  Please note that it may take up to **************************************************************************************************** the event that occurs we ask that they kindly inform the caller that they have been added to the list and to discontinue contact. 
  
  We hope to have addressed ****************** concerns. 

  Customer Answer

  Date: 03/01/2024

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  Date:02/19/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I contacted *************************** (the person who sold me the insurance) via text message on November 16, 2023 stating that I could no longer afford my policy and I wanted to cancel it immediately. ****************** responded with a lower quote and he was going to call me later that evening. I replied I was not interested in continuing the insurance, but that I was available the next evening to discuss. I never received a call. On December 18, 2023 I was charged again for the insurance coverage at which time I texted ****************** again stating that I canceled my policy and was charged. He then stated He writes them, not cancels. We continued to have a text conversation which did not go very well. (I do have the text messages available if needed for validation)On December 18, I called the 800 number and was on hold for 13 minutes, before speaking to someone who was going to transfer me to the cancellation department. We were disconnected and I had to return to work so I was unable to call back. Due to Covid and the holidays, I called again on January 11, 2024 and spoke to someone about canceling the policy. The man on the other end stated the policy would be canceled effective immediately, I would not be charged for ******** and I would be receiving paperwork in the mail to confirm my cancellation. I never received paperwork, and was again charged for ******** (I have a call log to show these calls took place). On February 14th, I received a bill in the mail for a missed payment on February 12th. I closed my bank account just to end this nonsense. Theyre impossible to get a hold of unless you sit on hold for 15 plus minutes, and even though I spoke to someone, and initially reached out to ***************************, I have had no luck with them canceling my policy. I would like a refund for ******** However, if thats not possible, I would at least like the company reported for its practices and not abiding by the regulations of canceling my policy at my discretion.

  Business Response

  Date: 03/06/2024

  We would like to thank *********************** for reaching out regarding this matter. The request made to the independent agent in November was not forwarded to our office. While we do have record of the phone call on January 11, 2024, we were not aware the call was dropped when forwarded. As a courtesy, we will cancel the policy as of December 13, 2024 and refund any unearned premiums.
  

• Initial Complaint

  Date:02/16/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  We have carried life insurance with this company for many years. Last year we cashed out one of our term life policies after determining that it was no longer a necessary part of our portfolio. The disbursement from American Income Life (AIL) in September of 2023 was $10,333. Now it's time to do our taxes and we have been waiting for the *** 1099 form from AIL. It is not posted to our account portal, which would have been a logical and convenient service on the part of the company. Last week we called AIL customer service (****, **) and were told that it had been mailed out on 1/31/24. We still have not received the document in the mail.Today we called AIL and were told that the person (one person for the whole nation??) is off today, and that the rep emailed him and asked him to re-mail the form on Monday. (Monday, 2/19 is a Federal holiday.) I requested the form via email, but the rep said she "can't promise" they can do that. When I said I don't believe it was mailed on 1/31 she said the forms were mailed "the 31st through Feb 4th" (a Sunday). On the *** website it says, "You are required to furnish the payee statements by January 31 and file with the *** by February 28 (March 31, if filing electronically)."Terrible customer service, as illustrated by the fact that we have to repeatedly call and ask for something the company is required BY LAW to provide. How does BBB justify a A+ rating for AIL, when the customer service reviews for the main office (****, **) are 2/5 stars and hundreds of complaints have been filed?

  Business Response

  Date: 03/04/2024

  We would like to thank ********************* for reaching out to us regarding this matter.  Our office does not issue 1099's on surrendered policies.  This would not be considered income for tax purposes.

  Customer Answer

  Date: 03/07/2024

  I have reviewed the business response and accept this resolution. HOWEVER, the company should educate their customer service staff regarding policy holders with questions about tax forms. The first two representatives told us that our 1099 was mailed on January 31st; that they would request remailing of the form; that the person who does the tax forms (*******************) was out of the office, etc. etc. When we asked for the form to be emailed, the rep said, "I can't guarantee that he will do that." When we asked to speak with a manager on the second call, the rep told us, "They'll tell you the same thing I just told you."  We spent significant time on hold waiting to talk to someone and waiting for our tax form in the mail. Only the 3rd rep we talked with was knowledgable about tax questions and was able to tell us that the full policy pay out we had received was considered return of premiums, and thus not taxable. Thank you for passing this feedback on to the company. 

• Initial Complaint

  Date:02/15/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In October of 2023 I asked to cancel my life insurance as it was too expensive for me to afford. American Income Life Insurance promised to cancel my policy and send me refund checks in the mail. Instead they sent me bills in the mail for 3 months and gave me the run around on the phone that it may take a few weeks to receive the checks in the mail. They continued to automatically take payments out of my account after I cancelled until I had to ask my bank to block them from being able to automatically take payments. American Income called me daily for a month and than weekly. I last contacted them in January when they sent me another letter in the mail stating I had to pay them money and I asked about my refund checks and stated I was not going to pay towards an unwanted policy, they told me they had to look into the issue with their accounting department and they would get back to me in a week. I have yet to hear from them and still have not received my refund in the mail.

  Business Response

  Date: 02/28/2024

  We would like to thank *********************** for reaching out regarding this matter. According to our records, we received a phone call on November 7, 2023 requesting cancellation of policies ********/75 and ********. Policy ******** was removed from bank draft and lapsed with a paid-to-date of November 16, 2023. Policy ******** was removed from bank draft leaving the policy with a paid-to-date of October 21, 2023. Policy ******** was removed from bank draft. A surrender authorization form was sent to the insured for signature. However, when the form was not received, the Automatic Premium Loan (***) provision was activated to keep the policy from lapsing. As a courtesy, our office will return the *** value to the cash value and surrender the policy. Please allow seven business days for release of the funds.

  Business Response

  Date: 02/28/2024

  We would like to thank *********************** for reaching out regarding this matter. According to our records, we received a phone call on November 7, 2023 requesting cancellation of policies ********/75 and ********. Policy ******** was removed from bank draft and lapsed with a paid-to-date of November 16, 2023. Policy ******** was removed from bank draft leaving the policy with a paid-to-date of October 21, 2023. Policy ******** was removed from bank draft. A surrender authorization form was sent to the insured for signature. However, when the form was not received, the Automatic Premium Loan (***) provision was activated to keep the policy from lapsing. As a courtesy, our office will return the *** value to the cash value and surrender the policy. Please allow seven business days for release of the funds.