Business Profile
Insurance Companies
American Income Life Insurance CompanyHeadquarters
Complaints
This profile includes complaints for American Income Life Insurance Company's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 811 total complaints in the last 3 years.
- 358 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:09/22/2023
Type: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.
Stared this policy as of 12/2002 Paid out around ****** on this policy American Income life insurance My dispute is why they are only paying me out so little when we were told they would cover a lot more when we started this policy and know that my husband has past I have gotten nothing but excuses from them.My deceased husband is ******************************* the policy numbers thru them is ******* Claim number is *******Business Response
Date: 10/03/2023
Our office would like to thank ******************** for reaching out to our office regarding this matter. We have sent an email directly to her with a list of claims received and claims paid. If there are outstanding claims that should be considered, they can be submitted to our office for review. ******************Initial Complaint
Date:09/21/2023
Type: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 for this it wasnt supposed to start till a 7-06-23. They took it out early and I got charged a 36 dollar overdraft fee then they took it out again on 7-11-2023 and i got another overdraft fee. Ive contacted the company and was supposed to get a refund have not gotten anythingBusiness Response
Date: 10/04/2023
We would like to thank ******************* for allowing us to respond. Our records show that Mr. ********* application was received in our office on June 27, ************************************************************************************* order to begin the underwriting process. The agent who wrote the application should have explained that the initial draft would take place right away which would have also been stated in the What Comes Next form left in Mr. ********* folder by the agent.
Our records indicate that a request to cancel his ****** was received in our office on July 27, 2023 and a cancellation form was sent to ******************** to be completed, signed and returned to our office for processing. However, a review of our records does not show that the completed form has been received.
In order to resolve this situation, we will forgo the cancellation form and have cancelled Mr.********* ****** as of its issue date and all premiums received are being refunded.
We hope to have resolved this matter to Mr. ********* satisfaction.Initial Complaint
Date:09/21/2023
Type: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 canceled my insurance with my previous provider within coverage dates in order not to be charged again. But they charged me for another month. When I called back and asked why, I was informed the agent did not cancel my policy correctly. Now they will not refund my money.Business Response
Date: 09/26/2023
We would like to thank the insured for reaching out to us regarding this matter. ****************** has 3 policies with our office. We received a request to cancel policy ********, and it was cancelled as of July 1, 2023. We did not receive a request to cancel policies ******** and 18110696. We will cancel those policies as of the July due date and refund 2 months premium on each.Customer Answer
Date: 09/28/2023
I have reviewed the business response and accept this resolution.Initial Complaint
Date:09/20/2023
Type: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 photo of where we did a meet online. ****** talked me through how to do that, Im not computer genius. I was interested in free ********** said he would send me them. Then he talked about ************************** said no interest. He said at your age you should do this for your family. I said they are fine. He got someone else to join the call & both were very insistent. ****** said its a good thing to do & if youre not happy you can cancel & get your money back. I remember how they both told me how much smarter I was than most seniors. Anyway I said Ill have a look at it but I dont think Ill want it. Then ****** wanted my banking info. I asked why and he said there has to be some amount of trust. He said you pay a small amount $25.00. If you dont take policy you get it back. So I did that. Next day I was at bank (I know some girls there) and I asked if someone took $25 out of my account. She checked and said only withdrawal is *****. So I told them about the conversion. They advised me cancel account & at that time I havent received any policy to review. The bank took care of that & I phoned ****** & told him I want my money back.. I said my account is closed so you will never get anymore. If I called using my phone number he would not answer but if I block my number he answers. I told him he was a thief & a liar & that I wasnt dropping this! At two different occasions ****** called me a stupid b**** & then told me to F*** Off. I was surprised anyone would talk to another human like that & wondered what company would allow such language? I have a new phone now so no longer have his messages but I have his phone number, aI dont know how to get it here without losing all this. Thank you!***********************Customer Answer
Date: 09/26/2023
More Snow<********************>
Date: Tue, Sep 5, 2023 at 11:00 AM
Subject: Re: BBB
To: ************************************* <***********************************************>
OK ******* the BBB says they found your address as ***************************************************. B3S 1A2. Now they want company owner & phone numbers. You can call them or send to me but you know this will be taken care off.
Regards
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On Thu, Aug 24, 2023 at 11:17 AM *********************** <********************> wrote:
I only have your cell number and your email. If you want me to call elsewhere supply me with info??
On Thu, Aug 24, 2023 at 8:39 AM ************************************* <***********************************************> wrote:
No,
You'll go away now
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Call AIL, i don't work there anymore
On Tue, Aug 22, 2023 at 6:53?PM *********************** <********************> wrote:
$ ***** and I will go away.
Sent from my iPhone
On Aug 22, 2023, at 4:38 PM, *********************** <********************> wrote:
?Call Better Business Bureau, they are hoping to talk with scammers & thiefs
On Tue, Aug 22, 2023 at 4:16 PM ************************************* <***********************************************> wrote:
Stop f****** emailing me ***************
On Tue, Aug 22, 2023 at 10:54?AM *********************** <********************> wrote:
As of today I am reporting your company to the Better Business Bureau of ******. Ive given you every opportunity to refund my money. Working for an insurance company out of ***** is ridiculous as we have plenty of ******** Insurance Companies to choose from. Lets see what happens now?
Regards
***********************Business Response
Date: 10/12/2023
Our office is reviewing and will provide a response shortly.Customer Answer
Date: 10/12/2023
More
MESSAGE FROM BUSINESS:
Our office is reviewing and will provide a response shortly:BBB
This is all I received, so not a response just a message saying they will respond shortly. I want my money back & apologize for cursing at me. Thats not how a company deals with seventy year old women. They should be ashamed of themselves.
Customer Answer
Date: 10/13/2023
I am rejecting this response because:More
MESSAGE FROM BUSINESS:
Our office is reviewing and will provide a response shortly:BBB
This is all I received, so not a response just a message saying they will respond shortly. I want my money back & apologize for cursing at me. Thats not how a company deals with seventy year old women. They should be ashamed of themselves.
Business Response
Date: 10/18/2023
Our office appreciates the patience of the insured. A direct deposit of $52.06 was made to the insured's bank account on October 12, 2023.Customer Answer
Date: 10/18/2023
$52.06, they are saying they just received it? It was paid on February 8th 2023. I checked my account today and its not in my account. That is my only settlement, I was lied to, cursed at & treated very poorly but I will have to let all that go to get my funds back. That is all I want now. ***********************Customer Answer
Date: 10/18/2023
Are they saying they are sending my funds or are they saying they just received my funds ****** took on Feburary 8th 2023. ConfusedCustomer Answer
Date: 10/20/2023
I am rejecting this response because: Are they saying they are sending my funds or are they saying they just received my funds ****** took on Feburary 8th 2023. ConfusedCustomer Answer
Date: 10/24/2023
OK they need to stop taking my money. They took $ ***** in Feburary & today I notice they took $***** on October 12th/23. Ive no idea if they took this monthly but were told never take funds from my bank back in February when they took the first $*****. These thieves need to be dealt with immediately. Regards ***********************Customer Answer
Date: 10/24/2023
Thank you for helping me. I received my funds back in my account. I consider this issue over & thanks for the BBB doing what I could not do in six months. God Bless!Initial Complaint
Date:09/19/2023
Type: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.
Draft dates 8/15/23 & 9/13/23.Charged me more than twice the amount of my life insurance premium. Upon email inquiry they told me the additional amount was for AD&D coverage that I never signed up for let alone authorized an auto-draft for. I've attached the email thread showing them asking me and me telling them it was not authorized and they charged me AGAIN. They're only open until 5pm CDT yet I called at 4:57 CDT and got a message that they were closed, saying I could leave a voicemail but the call disconnected, twice. This is fraud and obviously I can't get their help with it. I've also disputed the charges through my bank.Business Response
Date: 09/21/2023
We would like to thank ************** for reaching out to our office regarding this matter. According to our records she was issued Whole Life policy ******** with an effective date of May 12, 2023. AD&D benefits were added to her policy based on information received from the agents office. Based on the information provided by ************** that was done in error. Our office has removed the coverage and refunded those premium to her bank account on September 19, 2023.Initial Complaint
Date:09/17/2023
Type: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 took out what I believed was an insurance policy to cover loss of income should I or my husband be hospitalized and life insurance. When I realized this was not what I was paying for, I went through all the proper steps to cancel the policies and even received confirmations that they were canceled. Then, this business turned around 2 months later and took more money from me without my authorization. They tweaked the amount they were charging me to get the deduction to go through my bank. When you call their office, the people are rude and argumentative. This is a company whose agents present themselves as serving the men and women who have served our country. The agent who sold me the policies told me it was only available to veterans and their families. What a scam!Business Response
Date: 10/03/2023
We would like to thank *************** for allowing us to respond. American Income Life provides group accidental death and dismemberment benefits to members of several veteran groups. Occasionally, veteran group members will choose to purchase additional insurance products from our Company, which appears to have occurred in this situation.
Our records show that our office received an email from **************** dated July 19, 2023 where she requested to cancel her coverage and provided only one of her policy numbers. A cancellation form was sent to **************** to be completed and returned to our office for processing. We show the completed form has been received and all policies are in the process of being cancelled as of her original request date of July 19, 2023.
We hope to have resolved this matter to her satisfaction.Initial Complaint
Date:09/17/2023
Type: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 call with a sales agent named ****************, regarding insurance plans for death or hospitalizations. She stated officially that the policy covers me until death and that the premiums are locked and can never increase. She insissted thatBusiness Response
Date: 10/03/2023
this is not a complete complaint. Please send the full statement from the complainant.Customer Answer
Date: 10/03/2023
I am rejecting this response because:
The business, his response was simply that the complaint is not a complaintMy complaint remains as stated
-I was told that their policy covers me until death, but their policy legal stipulations are contradictory-I was told that my premiums are guaranteed for life and can never grow up, but the legal stipulations in the policy specifically state that premiums can go up.
-The business is blatantly lying and misrepresenting the policy
Business Response
Date: 10/06/2023
We would like to thank *********** for allowing us to respond. We contacted the independently owned local business through which Mitra Aberoomand is contracted and were informed that the application for insurance was not signed by ************, therefore an application for insurance was not submitted.
If ************ would like to apply for insurance and complete all the necessary paperwork, please have him reach out to Ms. ********** and she will be more than happy to assist him.Customer Answer
Date: 10/06/2023
I am rejecting this response because: I have never made a complaint or claim that I signed a policy. The business is continuing to evade the complaint after 2 communications through the BBB. There is no refund being requested. This is a complaint with the BBB.
The complaint still remains as originally stated-
The sales agent used 3 hours of my time and blatantly lied about 2 offerings of the policy, and attempted to get me to sign the policy without I formed consent and understanding.
The business has not acknowledged this, attempted to address it, offer an explanation, attempt to appease having wasting 3 hours of my time, implement a policy change. The business has not taken any accountability or attempted to resolve anything in any way, shape or form.
Business Response
Date: 10/24/2023
As previously stated, an insurance application for ************ was not submitted and he does not have coverage with our Company. If ************ is being charged for a premium from our Company please have him submit a policy number or a copy of his bank statement showing a premium bank draft from our Company. Once that information is received we will be in a better position to assist him.Initial Complaint
Date:09/13/2023
Type: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 was a **** employee for ********************* agencies in MA. I had major health outline and had to take a leave. Before which I have multiple examples my "manager" ******************************* treated me different than the young skinny new girls, said on multiple occasions he wouldn't be helping anyone rolling to him until he was in the green, and I asked to switch to a different manager and was denied. He made me feel abused like I was asking for something above and beyond while I saw him gladly offer the same to those got skinny young females. As he asked them to put their bathing suits on and go to the pool at company events after they said no. I have texts of proof. Everyone I tried to talk it out with him I was threatened we needed to get the owner ***** involved and cut off and but asked you speak. The times if day I was told I could speak I would then be told it's my break time or I've been in since 6am not I don't have time the others it was call only time. I was in medical leave as I said and I tried to speak to the owner to come back and to finally be brave an speak what so many that had worked under him had felt and she just advised me of 6:05am being an inappropriate time and after refusing me medical paperwork months and weeks earlier told me there was no place for me there. I'm sorry we have a 7:30a Saturday call I didn't think 6am after working an inventory when I expect people to put their phone on DND to be an issue. When I have bills I need guaranteed money ml not questionable money just coming back. And when I finally wanted to speak to up against the abuse by a man, that's when I was told no we don't want to hear it. Just like they didn't want my medical proof and paperwork. Just said you're crazy get some help. I feel demeaned and mistreated. They only care about money. No one cared about my medical issue. Was used as an excuse. Then the CO owner who I request, ****, somehow the original owner's husband, congratulated me in 6mos with the company days later.Business Response
Date: 09/22/2023
We have reached out to ***************** directly in order to address her allegations and will handle as appropriately.Initial Complaint
Date:09/12/2023
Type: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 was sent in the mail in 06/06 /2015 American Income Life Insurance Company life and death benefits. Which I purchased.. This company tries to sell upgrades yearly. In 04/27/2022 , 1 of their customer service sales representative called asked me if I wanted to upgrade to new benefits for an additional $18.71 to my already policy which was $20.27 monthly I agreed . So in July ********** was called by another customer service representative to upgrade again that they had a hospital benefit for an additional $6.00 a month I found out then I had 2 policies on July ***** 2023 I found out had 2 life and death benefits I then called American Income Life Insurance Company and spoke to a customer service rep. ***** Ebony who explained they don't upgrade the policies. I than asked to speak to a manager who scoffed and laughed at me when I asked for a full refund of the second policy I asked to have it put towards the new benefits thai asked to cancel policy no cancel notice has been sent to my email I called again going on a week and a half ago and spoke to a supervisor who we found no cancellation form was sent she then told me she was going to send 1 I have been waiting a week and half no email cancellation form sent . I am requesting full reimbursement on both policies plus any living benefits I have incurredBusiness Response
Date: 10/02/2023
Our office would like to thank ****************** for reaching out to us regarding this matter. A full refund of premiums paid was deposited directly to the bank account of the insured on September 20, 2023.Initial Complaint
Date:09/11/2023
Type: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 been randomly contacted by AIL recruiters that are scraping my information from somewhere. They always say I'd be a "great fit" for an extremely vague position, and that I need to attend a Zoom meeting "tomorrow morning" (always tomorrow morning, and always "the last window"). They're a 100% scam company that uses corrupt recruiting and business tactics to get people to work for free, or next to nothing. They were sued for it in 2021, lost, and had to pay over $5 million to agents that hadn't been compensated for training and work...yet they're still doing the same things today. I have been contacted at least 5 times in the last 9 months, and every time, I tell them to leave me alone, yet they persist. So, I'm filing this complaint, and then moving on to file reports with every relevant state level ******* AG, **** of ****** and every relevant state labor board. This business is a MLM scam masquerading as an insurance company, and they need to be SHUT DOWN and have criminal charges filed against every single manager or higher.Business Response
Date: 09/19/2023
We would like to thank ***************** for allowing us to respond. We have reached out to the independently owned business office in Mr. ******** area and they have confirmed that they have marked their records accordingly to prevent any further contact from their office. However, in order to be certain that we have marked all records as such we ask that ****************** provides the phone numbers and names of the callers so we can better determine which business office is contacting him and have them discontinue contact.Customer Answer
Date: 09/19/2023
I have reviewed the business response and accept this resolution.
In regard to the requested data, I can only provide the email of the last offer I was sent because I deleted the others.
***********************
State General Agent
American Income Life
Office HQ: **************************************************************************************
******************************************
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