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.

close

Find a Location

American Income Life Insurance Company has 307 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  American Income Life Insurance Company

  3700 S Stonebridge Dr McKinney, TX 75070-5934

  
• 

  American Income Life Insurance Company

  9121 Anson Way STE 200 Raleigh, NC 27615-5857

  
• 

  American Income Life Insurance Company

  8321 E 61st St STE 221 Tulsa, OK 74133-1911

  
• 

  American Income Life Insurance Company

  901 Mountain Creek Rd STE 100 Chattanooga, TN 37405-4645

• 

  American Income Life Insurance Company

  101 5th St STE 206 Hollister, CA 95023-3925

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:01/04/2024

  Type:Product 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 was contacted by ***************** who works for AIL (American Income Life insurance company). We went over the policy on a zoom call with her, myself and my wife. I told her I was alrerady paying another insurance and would need to verify if this coverage was similar to what I was already getting and if it was, I would not need this insurance. When I got calls from AIL I told them I didn't need the insurance but they started billing me already. After reaching out to *****************, I told her I did not give consent to start the policy. She had someone else call me (i believe her name was ******) and she was going to send cancellation papers. I really wanted a refund but now I felt I was stuck with what they had already taken from my account. I never got the cancellation papers. I tried numerous times to contact Rea by text and she replies sometimes but with no help. They are still taking this money out of my account. I am not sure if anyone can help. I will put a stop payment on this if I do not get any resolution soon. I should also mention they take more out than what they initially said they would.

  Business Response

  Date: 01/25/2024

  We would like to thank ******************* for allowing us to respond.  A review of our records shows that ******************** emailed our office on January 12, **** to request the cancellation of all coverage and a cancellation form was emailed to ******************** email address on file on January 16, **** and do not show the completed form has been received in our office.
  
  ******************** states that he contacted his agent prior January to cancel the coverage and in order to resolve to resolve this  matter we have cancelled all policies in the household and have refunded all premiums paid totaling $1,171.67 to the bank account on file. This amount should reflect in ******************** account within the next 7 business days as it will depend on his financial institutions posting schedule. 
  
  We hope to have resolved ******************* concerns.
  Tell us why here...

  Customer Answer

  Date: 01/30/2024

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  Date:01/02/2024

  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 used to have a policy with AIL for my father (*******************) and although its been cancelled for months now, I keep getting calls from various sales people harassing myself or my dad to buy more insurance, after I have called AIL multiple times and asked the sales agents directly to take our information out of their system as we will never buy from their company again. I have been assured by their customer service and the sales reps that no further contact will happen but it keeps happening, phone calls and text messages from new people constantly. Please take our names out of your system, we will not buy from you! Specially policy number ******** but anything under the name ******************* Thank you!

  Business Response

  Date: 01/22/2024

  We would like to thank **************** for allowing us to respond.  As requested,we have added Mr. ****** contact information to our internal Do Not Call list and have requested the local office that services his 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 the customer may be contacted.  In the event that occurs we ask that they kindly inform the caller that he has been added to the list and to discontinue contact. 
  
  We hope to have addressed ****************** and Mr. ****** concerns.  

• Initial Complaint

  Date:01/01/2024

  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.

  My union, for whatever reason, decided to sell our information to AIL. We were told they were giving us a free $2000 policy and that the company would contact us with more information. When they called i asked if they could send me information in writing so i can look it over and i was told they only give information during in person meetings with my wife and i both there, so i told them i wasn't interested and to stop calling. They continued to call for weeks, i blocked every number they called from. The calls finally stopped for about a year and then they started back up again about two months ago. In that time they have called me over 50 times. *** sent emails to thier corporate office, ive sent messages to thier regional manager and nothing seems to get through. From what ive seen from complaints online about the company, they just give cold call list to **** employees who are paid on commission so i don't want to yell at the callers for being put in that position but its definitely getting very old, very quick.

  Business Response

  Date: 01/12/2024

  We would like to thank ************** for allowing us to respond.  Our record show that ************** completed and submitted a beneficiary designation card for the no cost group coverage provided by American Income Life through LiUNA Local 252 which would have prompted the contact by an independently contracted agent.  As requested, we have added his contact information to our internal Do Not Call list and have asked the local office that services your area to mark their records accordingly. 
  
  This request *** take up to ******************************************************************************* the event that occurs we ask  that **************  kindly informs the caller that he has been added to our list and to discontinue contact.  

  Customer Answer

  Date: 01/12/2024

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  Date:12/31/2023

  Type:Product 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 applied for American Income Life Insurance on Dec.04 with an agent who told me that I had to do a medical and they would contact me to setup an appointment, so my application wasn't complete. I also have emails saying that application was being reviewed and had not been completed yet. The last email I received from them saying this was on Dec.06th. On Dec.07th i called the head office, as well as my agent to cancel my application, when i checked my account later, i saw that $67.03 had been taken from it. I have made multiple calls to them asking for my refund, but have not received anything. When I asked why the money was taken, they said my application was approved. How could it have been approved when i never setup a medical appointment, and their emails said it hadn't? I was bombarded with emails and phone calls up until the moment I called to cancel and now it's radio silence.

  Customer Answer

  Date: 01/11/2024

  I received a full refund on January 8th, ****. I'm still waiting for confirmation mail that my policy has been cancelled. Thank you.

  Business Response

  Date: 01/12/2024

  ********* ****-Adiari 

  We apologize for any misunderstanding when applying for insurance with our Company. The initial premium is collected at the time the application is submitted however it doesn't mean the application process is complete. Depending on the coverage, there could be a request for medical exam and all coverage must be reviewed and approved by our Underwriters in order to finalize the policy. In reviewing the details, we received a request to cancel the application and a full refund has been provided. 

  Again, we apologize for the misunderstanding. CRR

  Customer Answer

  Date: 01/22/2024

  I have reviewed the business response and accept this resolution. 

  I received a full refund on January 8th, ****. I'm still waiting for confirmation mail that my policy has been cancelled. Thank you.

• Initial Complaint

  Date:12/27/2023

  Type:Sales and Advertising 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 had reached out in November of 2023 to cancel my policy with them. I have copies of my policy and used the form I was sent to cancel it. At the end of November I was still charged a premium. When I reached out to customer service I was told they had canceled the policy and removed it from bank drafts. However in December I was charged again. When I reached out I was told it was canceled. So I asked for a refund. I never got acknowledged in anyway if I was ever actually receiving one and was told to fill out another cancellation form. I let them know I had no remaining policy with them and wasn't sure how to go about this without just contacting my bank and letting them know they are no longer authorized to withdraw from my account. They asked me for info which I provided and told me that I had 3 other policies that I needed to cancel. They provided the policy numbers. I looked at all the paperwork they had provided me and none of those policy numbers match up with what I have. I still filled out the forms to cancel and sent them in asking again about the refund. Still no acknowledgment of any sort. Just another email stating they "canceled the policy".

  Customer Answer

  Date: 12/30/2023

  They have reached out to me after I let them know I had contacted the bbb and my attorney. Supposedly I should be getting a refund but I have not yet received it yet.

  Business Response

  Date: 01/10/2024

  We would like to thank the insured for reaching out to our office.  We were able to contact the insured directly and were advised to cancel all policies, and surrender the Whole Life policies with cash value.  Funds will be released within the next 7 business days.

  Business Response

  Date: 01/10/2024

  Please disregard the comments that were just placed on this file.

  *********************************** Whole Life policy was issued 06.27.2023.  the last premium drafted was on October 5, 2023 for the September premium due.  The initial request for cancellation was made on October 9, 2023.  No premiums were drafted after that date.  No additional refund is owed.

   

• Initial Complaint

  Date:12/27/2023

  Type:Product 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 have tried 3x across 3 weeks to cancel all of my life insurance policies with American Income, including ones on my significant other and her son. The first call, we went through the process of canceling, and they said they would send the paperwork through an email I never received so that I could fill out and send back. The second time I called, I was told they didn't have my email address on file to send the documents to, even though I told her twice during the first call and even spelled it out for her. The 3rd time, they told me I had to talk to the cancellation department, which I had already spoken to the 1st time, "transferred" the call, in which the line was silent and no one ever picked up. I am currently on a 4th call as I type, trying to get this matter taken care of, on hold for longer than I should be and no one is picking up the call. I've read a multitude of other reviews where they are doing the same thing to me they've did to every other client that has tried to cancel: delay, deny, confuse. I'm none of these things, and I'm aware they are using unfair business practices. All of the calls I have made have been recorded for legal purposes. If this matter isn't resolved ASAP, the paperwork sent, and the policy canceled, I will absolutely take all of the recorded calls to an attorney.

  Business Response

  Date: 01/04/2024

  Our office would like to thank *********************** for reaching out to us regarding this matter.  There are multiple policies involved (10118234/35/36, ********, 18361648/49/50).  Our office will reach out to ************ directly to confirm which policies he wants to cancel. ******************

  Customer Answer

  Date: 01/18/2024

  This case was deleted and not resolved. I asked that all of my policies through American Income Life be canceled. I have been trying to cancel all policies since December 1st, in which I have recorded calls with them to prove such. All policies were canceled EXCEPT policies with cash value. I just received 2 bills today (1/18/2024), one with a due date of 12/17/2023 and the other due 1/9/2024, which is pass the date of my request to cancel. How do I fully resolve this issue and get the money that is owed to me without my attorney?

  Business Response

  Date: 01/30/2024

  *** office apologizes for the delay in the releasing of surrender funds.  The delay was due to holidays.

  Policy 10118234   $1254 was issued by check on 01.10.2024.  That check cleared our account on **********.

  Policy 14209262  $132.10 was issued by check on 01.10.2024.  That check cleared our account on **********.

  Please let me know if our office can be of further assistance.

   

  Customer Answer

  Date: 01/30/2024

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  Date:12/23/2023

  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.

  Have contacted American Income Life by phone three times in the last 3 months to request policy cancellation forms, they have yet to send them. This in my opinion is very shady and would like the BBB to get involved.

  Business Response

  Date: 12/27/2023

  Please allow til 01.09.2024 for a complete response.

  Customer Answer

  Date: 12/28/2023

  I am rejecting this response because:   It should not take two weeks to put a piece of paper in an envelope and send it to me.  I am already getting harassed by receiving three calls on 12/27/23 an email.

  Business Response

  Date: 01/09/2024

  We would like to thank **************** for allowing us to respond.  We reached out directly to **************** and are in the process of resolving his concerns.  

  Customer Answer

  Date: 01/16/2024

  I am rejecting this response because:   Have been contacted, and will not accept until I have verification from AIL that I have had my account closed.

  Business Response

  Date: 01/24/2024

  The completed cancellation forms were received and all policies have been cancelled.  Copies of the checks which are being mailed today have been emailed to **************** address as it appears on his complaint. 
  
  We hope to have resolved this matter satisfactorily.  

• Initial Complaint

  Date:12/22/2023

  Type:Product 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 have tried to call the the American Income Life Insurnce Company multipe times and left messages for a return phone. I have yet to recieve a call. I would like to cancel my policy with them but I no one will call me back.

  Business Response

  Date: 01/05/2024

  We would like to thank ********************* for reaching out to us regarding his policies.  We have no record of a request for cancellation prior to the receipt of this complaint.  All policies will be cancelled as of 01.01.2024.  The last premium paid on each policy will be refunded within the next 7 business days. 18629400/01/02

  Customer Answer

  Date: 01/10/2024

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  Date:12/21/2023

  Type:Product 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 open multiple policies under my name without me knowing about all them except for the first one I opened and I was informed by them that I was ************************* was the one who saved all my information and opened up more policies without me authorizing to open up more policies I would like compensation for all these back because they took a lot of money for me sometimes over $200 a month and its really putting me in some hard times

  Business Response

  Date: 01/05/2024

  We would like to thank ************************************* for reaching out regarding this matter. According to our records, a Whole Life policy was purchased with an effective date of March 24, 2020 and has a paid-to-date of August 24, 2023. The agent on record was *************************. On June 28, 2023, we received a request for cancellation. An authorization form was sent to the insured for completion and returned to our office on August 9, 2023. The policy was then cancelled. 
  
  Policy ******** was issued through a Zoom presentation. On August 7, 2021, the insured emailed permission to process the policy. The agent on record was not *************************. On September 13, 2023, we received completed authorization to surrender the policy. This policy shows a paid-to-date of October 24,2023.
  
  Policy ******** was issued with an effective date of January 20, 2023 through a Facetime and DocuSign. The agent on record was not *************************. On November 28,2023, the insured requested cancellation of this policy stating it should have been cancelled when the other policies were cancelled. However, this policy number was not on either of the surrender forms.
  
  As a courtesy, will use the email received on June 28, 2023 to cancel all three policies as of the next due date as follows:
  Policy ******** will be cancelled as of July 24, 2023.
  Policy ******** will be cancelled as of July 24, 2023.
  Policy ******** will be cancelled as of July 20, 2023.

  Customer Answer

  Date: 01/05/2024

  I am rejecting this response because:   Yes I did have contact with the company but they all told me about changing my policy not opening a new one so when I gave approval they never informed me that I was opening another policy and why would I need 3 policys I was under the assumption that I only had 1 policy and now I am out a lot of money because I wasnt aware I was opening more policys just changing my one policy 

  Business Response

  Date: 01/10/2024

  Face Value cannot be added to an existing life policy.  Additional benefits must be applied for by application and go thru the Underwriting Process.

  Customer Answer

  Date: 01/10/2024

  I am rejecting this response because:   The company failed to make that clear to me and opened accounts that I was not aware I was opening they never informed me I had to open more policys and then didnt inform me I was opening more and not canceling more so I would pay them more this company failed to educate there customer and then used the uneducated customer to make more money off of them I want my money back for the other 2 policys I never new I opened I was only aware I opened up the first policy 

  Business Response

  Date: 02/27/2024

  We would like to thank ************************************* for reaching out regarding this matter. According to our records, a Whole Life policy was purchased with an effective date of March 24, 2020 and has a paid-to-date of August 24, 2023. The agent on record was *************************. On June 28, 2023, we received a request for cancellation. An authorization form was sent to the insured for completion and returned to our office on August 9, 2023. The policy was then cancelled. 
  
  Policy ******** was issued through a Zoom presentation. On August 7, 2021, the insured emailed permission to process the policy. The agent on record was not *************************. On September 13, 2023, we received completed authorization to surrender the policy. This policy shows a paid-to-date of October 24,2023.
  
  Policy ******** was issued with an effective date of January 20, 2023 through a Facetime and DocuSign. The agent on record was not *************************. On November 28,2023, the insured requested cancellation of this policy stating it should have been cancelled when the other policies were cancelled. However, this policy number was not on either of the surrender forms.
  
  As a courtesy, will use the email received on June 28, 2023 to cancel all three policies as of the next due date as follows:
  Policy ******** will be cancelled as of July 24, 2023.
  Policy ******** will be cancelled as of July 24, 2023.
  Policy ******** will be cancelled as of July 20, 2023.

  Total refunds for ******** and $******** was $309.08.
  

  Total refund for ******** was $288.50.

  Customer Answer

  Date: 02/28/2024

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  Date:12/21/2023

  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.

  Ive been trying to close my account for over a year. They keep having all of these trivial things reasons that prohibit them from being able to stop taking money directly out of my banking account. I have called many many many times I have emailed I have lost my patience with them, Im really disappointed in their lack of service. I am disappointed in their trickery.

  Business Response

  Date: 01/16/2024

  We would like to thank ****************** for allowing us to respond.  We have reached out directly to ****************** and are in the process of resolving her concerns.