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 has 307 locations, listed below.

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  American Income Life Insurance Company

  3700 S Stonebridge Dr McKinney, TX 75070-5934

  
• 

  American Income Life Insurance Company

  9111 Cross Park Dr STE E-144 Knoxville, TN 37923-4506

  
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  American Income Life Insurance Company

  7901 Cameron Rd Austin, TX 78754-3831

  
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  American Income Life: London Nelson

  3956 S Perkins Rd Memphis, TN 38118-7029

  
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  American Income Life Insurance Company

  318 Mount Rushmore Rd STE C Rapid City, SD 57701-2762

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:08/23/2023

  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.

  I had a Zoom meeting with sales rep ****** ******** to discuss "permanent benefits" that persisted despite my recent severance from a union job. This comes after receiving calls from unknown numbers all over the country since July 11th, who would try calling twice each time while I was either working or otherwise unavailable. Once I was in the middle of a work meeting. Blocking one caller only made a new one pop ** in its place.In the meeting it dawned on me that American Income Life actually had no real connection to my previous union. The "temporary benefits" ******************** described were what I had as a union member, and that AIL's products were the "permanent benefits" allowed despite my separation. However, that introductory explanation was the last mention of the union. The meeting turned into a sales pitch for a complex insurance policy that costs upwards of $15/day for some subscribers. I told ******************** that I was not interested in pursuing a policy with AIL at this time and left the meeting early. I then blocked his email and phone number. The next day I began receiving calls from a new unknown number that left no voice mails. Since August 15 to today (17th) that has been 8 calls alone. I have left that number a voice mail to state my disinterest but due to the company's persistence I had to find a more effective route to end this. Based on their BBB complaint history, it does appear AIL seeks resolutions quickly. So please, add me to your Do-Not-Call list ASAP. And let this complaint either act as a warning to other consumers or the last external impetus for your company to change its deceptive, near-harassment business practices. Contacting a local office as you have done historically won't change this; I've got a call log showing numbers from ****** to *******. Make effective change, and maybe you'll see less complaints in the future? Just an idea.

  Business Response

  Date: 08/30/2023

  We would like to thank **************** for allowing us to respond.  Our records show that **************** completed and submitted a beneficiary designation card for the no cost group coverage provided by American Income Life through WPEA/Local 365 in July of 2023 which would have prompted the contact by an independently contracted agent.  As requested,we have added her information to our internal Do Not Call list and have requested the independently owned local business which services her area to mark their records accordingly.
  
  This request *** take up to ******************************************************************************** the event that occurs we ask *************** to kindly inform the caller that she has been added to our list and to discontinue contact. 
  
  We hope to have resolved this matter for ***************** 

• Initial Complaint

  Date:08/22/2023

  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.

  On May 18, 2023 We cancelled 3 policies in writing and requested an immediate refund of our payments. The account numbers are ********, ********, and ********. We have attached the letters signed requesting the refund of all of our premiums.To date we have not received our refunds nor any correspondence from them.

  Business Response

  Date: 08/25/2023

  Our office would like to thank ************** for reaching out to our office.  According to our records, policies ********, 18523909/10 were issued February 19, 2023.  The policies were cancelled by the agent on March 21, 2023.  I did not locate any other policies in the name of ******* or ************************  If premiums have been drafted from your bank account after March 2023, please provide me with a copy of your bank statement showing the transaction dates, and I will investigate.  ******************

  Customer Answer

  Date: 08/29/2023

  I am rejecting this response because:   You are aware that you debited by ach the two sums of $ $72.03 policy number ******** and $144.27 policy number ******** on February 24, 2023 from our checking account.  We have requested this to refunded multiple times in writing.  Please refund our money immediately!  I have the proof on my statement that we are owed this refund.  

  Business Response

  Date: 08/29/2023

  The insured's request for cancellation came 3 months after the policies were issued, which was outside the examination period. Likewise, the agents cancellation of the policies on March 21, 2023 was outside the examination period.  Based on the policy contract there is no basis for a refund of premiums.  However, as a courtesy, our office will cancel all 3 policies as of the date of issued and issued a one month refund on each.

  Customer Answer

  Date: 08/29/2023

  The cancellation was because we had not received the policy to even review!  They were preparing to take another payment on all policies.  The response that the request was after the review period is inaccurate.  If the review the date ********************* requested the cancelation and the fact that it took them until a few weeks ago  to ask us to put the request in writing.  Once we did and our refund did not show up I called yet again just before filing this complaint and got ****** who then advised us to fill out a form!  The do the most to try to take your money and cause you to cancel existing policies prior to receiving their approval and policies in writing.  They should be reprimanded for those actions.

  Customer Answer

  Date: 08/29/2023

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  Date:08/22/2023

  Type:Order 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.

  16 months ago my husband and myself were contacted by this company threw my work place of Zehrs Market in ******* , ***. to sell us life insurance with this company . I ( ********************* ) signed agreement for coverage of $10,000.00 Life and Accident , my husband ( *********************) signed an agreement for $10,000.00 life insurance . Our first payment of $156.61 monthly was taken out on March 28th 2022 . I cancelled policies on July 29th and they received signed cancellation forms on Aug 1 2023 . They said it would take ***** business days to fully process . I in total in the 16 months paid them $2505.76. Phoned them on Friday Aug 18th2023 and was told that we had bought only the service to provide $!0,000.00 each appone our death . ***** would receive$110.30 and I would receive a measely $11.50 to be sent by cheque Aug. 28th 2023 I do not like that they are denying me of $2383 96 .

  Business Response

  Date: 08/30/2023

  We would like to thank ************** for allowing us to respond. Our records show that an applications for insurance dated March 20, 2022 was received in our office which resulted in life and accident coverage being issued for ***** and **********************  On July 27, 2023 our office received a request to cancel all coverage for the ****** and the proper cancellation forms were sent to them to be completed, signed and returned to our office.
  
  We show that the cancellation forms have been received and the life policies are in the process of being surrendered for their available cash value.  The accident policy has been cancelled as well and a letter dated July 31, 2023 acknowledging the cancellation was mailed directly to the ******.  The coverage was issued as requested on the application and the contracts mailed in a timely manner.  Had a claim been incurred it would have been paid in accordance with the terms of the contracts.  All premiums paid have been earned and a refund of those premiums is not due.
  
  As indicated above, all coverage has been cancelled and no coverage is in effect for ***** and ********************** 

• Initial Complaint

  Date:08/18/2023

  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.

  I signed up with American Income Life (AIL) in 2016 as it had been an option for supplemental life insurance through my union. In 2022, I switched to another insurance company and attempted to discontinue my policy with AIL, however, when I attempted to cancel my policy, I was told that I could not cancel my policy via phone and needed to sign paperwork that would be sent to me by mail in order to discontinue the policies for myself and my daughters. I waited for the paperwork and it never arrived. I contacted AIL on several occasions and was told that the paperwork would be sent again. Each time I called, the wait time was at times, up to one hour long and then when an agent answered, they would immediately put me on hold and disconnect the call. Eventually, I became frustrated and stopped calling. I also put a stop payment at my bank for their charges. Then they began calling me. They called at all hours and I explained each time that I wanted to cancel and requested the cancellation paperwork be sent againthe representative informed me that they had my address as ******** instead of ******, where I live. Again, I never received the cancellation paperwork. *** continued to call, email and bill me, seeking payment.It is interesting that they are able to contact me, seeking money but are unable to send me the promised cancellation paperwork. I just want to cancel mine and my daughters policies with AIL but it seems that I am not allowed to. Please help my get the paperwork for cancellation delivered to me.

  Business Response

  Date: 09/11/2023

  Our office is reviewing this and will provide a response shortly.

  Business Response

  Date: 09/19/2023

  We would like to thank ***************** for allowing us to respond.  A review of our records shows that ****************** contacted our office on March 16, 2023 to request the cancellation of the coverage.  We show that completed cancellation forms have been received but not for all policies in the household, however, based on the customers requests to cancel the coverage and in order to resolve this situation, we have reversed the automatic premium loans placed against the cash value of each policy through the nonfeature option of each policy and have surrendered all coverage for their full cash value. 
  
  We hope to have resolved this matter satisfactorily. 
  

  Customer Answer

  Date: 09/19/2023

  I am rejecting this response because:  The business was not clear about additional policies not being cancelled. I wish to cancel the policies for the following:

  *********************, formerly Moksha Bode

  Cara Bode 

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

  Business Response

  Date: 09/21/2023

  Policies ********, ********, ******** were cancelled as of their April 2023 paid to date.  Policies ******** and ******** had cash value.  Those checks were mailed on September 14, 2023.

• Initial Complaint

  Date:08/16/2023

  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.

  Will not stop calling me. They will call 25 - 40 times a day every day of the week. I have told them numerous times that I do not want to change anything about my insurance policy and to stop calling me. I have blocked the number that they call from and a different person will call from another number. This has been going on for over a year and they have started calling my wife and she has told them to stop calling her and they continue to call.

  Business Response

  Date: 09/11/2023

  We would like to thank the insured for contacting us about this matter.  His phone number has been added to our internal DNC database.  In addition we have reached out to the independent contracted agent in his area and requested to have his contact information removed from their internal database.  He is welcome to contact me directly if he continues to receive phone calls after this. 

  Policy ******* ******************

  Customer Answer

  Date: 09/12/2023

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  Date:08/16/2023

  Type:Sales and Advertising 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, *********************, and my girlfriend, ***************************, had policies for a few months. After receiving better policies through our work, we decided to cancel the policies we had through American Income Life. After being on the phone for quite a long time, we were finally able to get in touch with someone who could help us. She constantly kept trying to sell us on the insurance, but ultimately canceled our policies for us. We received cancelation paperwork in the mail a while later. Yesterday (months later) my girlfriend received a call that her policies' billing had been changed, not canceled, and that she owed money. The man on the phone insisted that he come to her house to go over the policy and that she could cancel if she still didn't want it. These policies were canceled months ago. Why are we receiving calls about bills on closed accounts?

  Business Response

  Date: 08/29/2023

  We would like to thank ****** for reaching out to us.  Our records show that policies 18412836/37/38 were cancelled as of May 5, 2023.  When they were removed from automatic bank draft, the system generated a last direct billing notice.  This notice can be ignored.  I have reached out to the office of the independently contracted agents and requested that the contact information be removed from their internal database.  This may take up to 10 days.  Should the family continue to receive calls after that, I would appreciate them contacting me directly with the phone number from which the call was made.  ******************

  Customer Answer

  Date: 08/29/2023

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  Date:08/16/2023

  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.

  The company had my incorrect birthdate. I want to cancel my policy and they are refusing to do so because someone put my birthdate in wrong. We never received a policy and want it terminated.

  Business Response

  Date: 09/11/2023

  We would like to thank **************** for contacting our office regarding this matter.  Upon receipt of the complaint, an email was sent to the address provided to confirm if they wanted to cancel all three policies.  Previously, a request to surrender policy ******** was received, but, the authorization form that we received did not have the information needed to process.

  We have not received a response to our email.  Based on this complaint we will take the following action:

  17870265 has been cancelled

  ******** will be surrendered for the cash value.

  16684871 has been cancelled.

• Initial Complaint

  Date:08/14/2023

  Type:Customer Service 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 am getting harassing phone advertising from American Income Life. I tell them to stop calling me and they ignore my request and continue to call. I block the number and they call from another number. They are rude and disrespectful and tell me they will continue to call. All I want is to be left alone. Take my number off their list. I will never buy anything from them and will give negative reviews every time.

  Business Response

  Date: 08/29/2023

  We would like to thank **************** for contacting our office.  Based on his zip code I was able to contact the local office of independently contracted agents.  I have asked that his phone number be removed from their internal database and no further contact made.  It may take up to 10 days for any leads in the field to be filtered.  Should **************** receive any calls after that I would ask that he contact me directly with the phone number so that I can handle the matter. [email protected] us why here...

  Customer Answer

  Date: 08/30/2023

  I have reviewed the business response and accept this resolution. I wish that you train your employees to understand that no means no. He even threatened me that he will continue to call. I would give you his name but I'm sure it's an alias. And they called from different numbers, mostly from ******** but some from *******. Just stop the calls and I'll be happy. 

• Initial Complaint

  Date:08/10/2023

  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.

  I called over TWO months ago to cxl this policy and I keep getting bills. I was then charged for $44 and they stated it will be refunded. I called again last week spoke to a supervisor she assured me this will be refunded today is 8/3 and still no refund i called again today they place me on hold for 20 minutes for a supervisor and NO ANSWER! horrible service. I want to make sure ALL of the accounts acre cancelled !I called two times to cancel this and still waiting for my credit card to be refunded! Horrible customer service! Please cancel ALL of my acts ******** ******** ******** ******** not sure if there is more CANCEL ALL OF THEM! I also attach form I had to sign for cancellation that was emailed last week and again today. STOP SENDING ME BILLS!

  Business Response

  Date: 08/25/2023

  We would like to thank **************** for reaching out to us regarding his policies and allowing us to explain the status.

  Policies 16747309/10/11/12 were cancelled as of June 24, 2023.  When policies are cancelled and removed from bank draft the system automatically generates a direct billing notice.  If the insured is not interested in continuing the coverage, the notice should be ignored.

  Policies ******** and 09 have been in force long enough to have accrued cash value.  The surrender value of these policies will be released within 7 business days.

• Initial Complaint

  Date:08/09/2023

  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.

  ***************************, an employee, is misrepresenting the **** agency by claiming they are part of Teamsters *********. ****************** is contacting ********* (*********) Teamster members and using that falsehood in an attempt to sell supplemental life insurance to individuals. To date, ****************** has only contacted members who are senior citizens, and quotes them their beneficiaries and addresses in an attempt to gain their trust. The **** Division is running a scam to confuse older membership and fleece them of their income.

  Business Response

  Date: 08/25/2023

  We appreciate ****** for reaching out to our office for clarification regarding American Income's (AIL) relationship with Teamsters *********.  

  *************************** is an independently contracted agent with the **** Agency Office.  Agent ******* is appointed to offer products sold by AIL.

  AIL has a group contract with the *************** thru which its members in good standing are provided a no cost Accidental Death and Dismemberment (AD&D) policy..  When the member completes a Lead Card with their beneficiary information, an agent contacts that member to explain the benefit being offered.  At that time the agent will also review other insurance products offered by AIL.  the member has no obligation to consider or purchase any other product.

  I have had ****** information added to our internal Do Not Contact database.  Additionally, I have requested that the **** group remove contact information from their database.  

  Please let me know if I can be of further assistance. ******************