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

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

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  American Income Life Insurance Company

  61 Saint Joseph St STE 300 Mobile, AL 36602-3519

  
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  American Income Life

  3355 Cochran St STE 203 Simi Valley, CA 93063-2532

  

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:10/02/2024

  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.

  This company is constantly harassing me...3 to 4 phone calls per week and also text messages wanted to have a 45 min meeting about life insurance..these calls also happen on weekends...told them several times not interested and please put me on the do not call list...different people call from many numbers

  Business Response

  Date: 10/09/2024

  We would like to thank you for allowing us to respond.  As requested, we have added your contact information to our internal Do Not Call list and have asked the local office that services your area to mark their records accordingly.

  Please note that it may take up to 7 business days for this process to go through our system during which time you may be contacted.  If contact occurs, we ask that you kindly inform the caller you have been added to the list and to discontinue contact.  You may also provide to ([email protected]) the caller’s name and phone number so it can be addressed as appropriate on an individual basis.

  We hope to have addressed your concerns.

• Initial Complaint

  Date:10/01/2024

  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 was injured November 2022 Had surgery June 19 2024 I don't see this Insurance make sense Because, state fund workers compensation california paid me So , I ********** to cancel They keep giving me round around for the past 6months I want my money back atleast $100.00 I have been paying them 10 years I ask nicely to cancel 3x f9r 6 months they keep taking money out from my account until today they still.give me a 45mins hold to be connected to canceling department

  Business Response

  Date: 10/07/2024

  We would like to thank Rachel M Muriel. We will use the attached photo as authorization to surrender the policy.
  Please allow 3 business days for the release of funds.

  Business Response

  Date: 10/07/2024

  Good afternoon, 

  The policy in the complaint does not earn a cash value therefore there are no funds to release. However, the policy will be surrender per your request. 

• Initial Complaint

  Date:09/30/2024

  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.

  I signed up with this company previously this year. After following all of the proper instructions and meeting my cost that was requested, I called to cancel. They said that everything was canceled and I would not be charged and that they would be sending me an email of the document I would need to sign and mail back. I never got an email and when calling back they say they never received a phone call. Every time I call back and they say they never received a phone call. I have recordings of these phone calls. Im requesting my money back for what has been charged after I made the first original phone call and for my account to be fully closed down with this company.

  Business Response

  Date: 10/09/2024

  We would like to thank Ms. Amory for allowing us to respond.  Our records show that Ms. Amory called our office on September 16, 2024 to request the cancellation of her coverage and was transferred to the correct department to handle her request.  One of Ms. Amory’s policies was removed from automatic bank draft to prevent her account from being drafted while in the cancellation department and a cancellation form was emailed to the email address on file to be completed and returned to our office for processing.
  
  Ms. Amory also called our office on October 1, 2024 and stated that the cancellation form had not been received and another form was emailed to her.  As of today, we do not show the cancellation form has been received in our office. 
  
  A further review of our records indicates that Ms. Amory’s other two policies were not removed from automatic bank draft and drafted for premiums on their scheduled draft date of September 19, 2024.  In an effort to resolve this  matter, we have credited the bank account on file for the premiums drafted after Ms. Amory’s initial call on September 16, 2024 totaling $41.88.  The credits totaling this amount should reflect in the customer’s account within the next 72 business hours, depending on her financial institution's posting schedule.
  
  Additionally, based on Ms. Amory’s request, we have forgone the cancellation form and have cancelled all policies with our Company. Letter acknowledging the cancellations will be mailed directly to Ms. Amory for her records. 
  
  We hope to have resolved Ms. Amory’s concerns.

• Initial Complaint

  Date:09/30/2024

  Type:Billing 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.

  American Income Life Insurance Company - POB 2608 Waco Texas *****- ************* ************ This policy was set up on Jan 2024, the agency explained that the policy was a Hospitalization and Accident. The agency was terminated for opening fraudulent policy per the agency that call me in at the end July to attempt to sale me more coverage. He also explained the actual policy that I currently have at the time. I fell at the begin of July and this insurance company refuse to pay for the claim. I have spoke with the customer service, claims **** and a manager. I advised this company to cancel my policy back in August due to this company is fraud. My policy was not canceled and this company has attempted to take money out of my account 2 times this month. I have 2 charges of *****. Also since the company did not cancel my policy I have to pay the back ***** for a stop payment fee to stop this company from charging my bank account. I am very upset about all the extra charges and the company refusing to pay the claim or giving me my money back.

  Business Response

  Date: 10/10/2024

  Thank you for allowing us to address this situation. This is an accident policy, and as such, it does not accumulate cash value.

  We will proceed with canceling her policy using the complaint as authorization.

  Furthermore, Ms. Hunter submitted her claim in August, but we were unable to obtain the necessary proof that the claim was the result of an accident. Additionally, she didn't initiate the cancellation until her phone call on September 30, 2024. 

  If you have any further questions or need assistance, please send an email to [email protected].

  Customer Answer

  Date: 10/24/2024

  The information that that company has added to cases, it not true 

  This company reached out to me at the end of July or the 1st of August to buy more insurance and I had the person to explain the insurance that I have and I advised them that I wanted to cancel because it was not what I was told at the purchase date. It had nothing to do with the claim. Can I please get an update on this case? someone from the company called me and told me that I would receive a refund for all of my payments I have not received anything..

  Customer Answer

  Date: 11/08/2024

  Ive been trying to get an update on this case someone from the company called me and I havent heard anything. He told me that they were going to give me all of my premium back that I had paid, but I have not received anything or I have not received a call or Mail about this..

  Their company is continuing to call me to buy insurance from them. 
  

• Initial Complaint

  Date:09/30/2024

  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.

  My husband established this policy and has since cancelled. We are separated and they would not allow my husband to cancel my policy. It has been years of them calling and disconnecting the all or claiming to send me paperwork. I was never given a policy number or sent any type of paperwork however they continue to withdraw money from my husbands account. There is no way for me to access anything on their site because I do not have a policy number. They are incredibly unprofessional and unhelpful due to working under commission. This has been a huge weight and inconvenience to not have control or access to a "life insurance" policy written in my name.

  Business Response

  Date: 10/08/2024

  Good evening,

  I sent an email and I reach via phone and left a voicemail. I need the answer to the following questions so I can move forward and resolve this complaint.

  What's your husband's name?  Who owns the policy? Are you looking to cancel the policy, have your name added to the Do Not Contact (DNC) list or both?
  
  

  Business Response

  Date: 10/14/2024

  We appreciate LaPrincia *** ***** for reaching out to us regarding this matter. Our office did receive a completed cancelation form for Life Policy ********, it will be used for authorization. Policy will be cancelled as of the September payment. Please allow 7 business days for the surrender value to be released.

• Initial Complaint

  Date:09/30/2024

  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 multiple life insurance policies with this company. I surrendered my policies September 2023. The continue to call me multiple times after I asked them to remove my number. Now they call me looking for *****. I continue to tell them I dont know ***** then they try to sell me another policy. It is different people from different phone numbers calling me claiming to be with American Income Life insurance. This has happened at least a dozen times since I surrendered my policies.

  Business Response

  Date: 10/15/2024

  We would like to thank you for allowing us to respond.  As requested, we have added your contact information to our internal Do Not Call list and have asked the local office that services your area to mark their records accordingly.
  

  Please note that it may take up to 7 business days for this process to go through our system during which time you may be contacted.  If contact occurs, we ask that you kindly inform the caller you have been added to the list and to discontinue contact. You may also provide to (**********************************) the callers name and phone number so it can be addressed as appropriate on an individual basis.
  

  We hope to have addressed your concerns.

• Initial Complaint

  Date:09/27/2024

  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 am being harassed by this company. I receive texts and calls at least twice a week. This has been going on for years. I have asked the agents to remove me from their contact list, I have asked the agents to file an HR complaint after my number has passed to a new agent and I have responded to all texts that I have received to remove me from further communication.I was a policy holder for years and cancelled all of my policies due to their sales tactics and constant calls/texts despite my policy being in good standing.

  Business Response

  Date: 10/08/2024

  We would like to Mr. ****** for allowing us to respond.  The independent contractors who sell our products will from time to time call customers to review their existing coverage and present any coverage for which they may qualify depending on the customers current needs.
  
  As requested, we have added Mr. ******* contact information to our internal Do Not Call list for all policies in the household and have asked the local office that handles their area to mark their records accordingly.  Please allow up to ***************************************************************************************************** the event that occurs we ask that Mr. ****** kindly inform the caller that they have been added to the list and to discontinue contact. 
  
  In addition, if Ms. ****** wishes, he may also provide the callers name and phone number to our office so it can be addressed as appropriate on an individual basis. 
  
  We hope to have addressed Mr. ******* concerns.

  Customer Answer

  Date: 10/08/2024

  I have reviewed the business response and accept this resolution.  If contacted after the 10 day grave period, I will contact their offices to report.  If I am contacted a second time, I will file another formal complaint. 

• Initial Complaint

  Date:09/26/2024

  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 have never heard of this company until last week when they called me, extremely late. This is now week two of asking to be removed from the calling list. They call after 9 pm, waking me up every single time! Its a new person everytime so I get a little speech about how their office doesnt have it on file only for a different office to get my number next. I am on the do not call list and you are calling after 9pm, and Ive already asked to be removed from your list.

  Business Response

  Date: 10/08/2024

  We would like to thank you for allowing us to respond.  As requested, we have added your contact information to our internal Do Not Call list and have asked the local office that services your area to mark their records accordingly.

  Please note that it may take up to 7 business days for this process to go through our system during which time you may be contacted.  If contact occurs, we ask that you kindly inform the caller you have been added to the list and to discontinue contact. You may also provide to (**********************************) the callers name and phone number so it can be addressed as appropriate on an individual basis.

  We hope to have addressed your concerns.

  Customer Answer

  Date: 10/08/2024

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  Date:09/25/2024

  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.

  On 3-2-2024 I agreed to an Whole life policy in the amount per month of $64.39. When I got the papers the agent ****** Samanodiaz put the wrong date on the documents to show 03/04/2023 not 2024. ****** took our $114.99 on 7/12/24, and another $109.99 on 8/12/24, both amounts not what I agreed to a month because I could not afford more than the agreed amount on the policy of $64.39. I cancelled this policy because of the incorrect amounts taken from my bank account. They refunded $114.99 but to this date have not refunded the $109.99, and I include the following email with ******************* ******************** showing that this amount was to be refunded to my account within 3-5 Business days and as of today 9/26 9 business days I still have not received the refund in the amount of $109.99 in my bank account. RE: ********** Form Submission from Support From: ********************* <*********************>Sent: Sat, Sep 21, 2024 at 8:31 pm To: ***************** Cc: *********************** image001.png (7.3 KB)It's been 6 business days and no refund? What is going on?-----Original Message-----From: ******************* ********************Sent: Thursday, September 12, 2024 3:59pm To: "*********************" <*********************>Subject: RE: ********** Form Submission from Support Allow 3-5 business days.

  Business Response

  Date: 10/08/2024

  We would like to thank Ms. ******* for allowing us to response.  Our records show that an application dated March 2, 2023, written by independent contractor ****** Samano ****,  was received in our office on March 7, 2023 which resulted in policy number ******** being issued.  Once the application was received an email dated March 7, 2023 was sent to the email address on the application which included a summary sheet detailing the coverage purchased. 
  
  This was a whole life insurance policy on Ms. ******* with a monthly premium of $64.39 and we show the policy contract was mailed to the address on the application on March 15, 2023. We show the September 2023 premium draft was returned to our office marked stop payment and the policy lapsed effective August 2, 2023 for non payment of premiums.  All premiums paid were earned and a refund of premiums did not occur on this policy. 
  
  A further review of our records shows that an application dated July 6, 2024 was received in our office on July 10, 2024 which resulted in policies ******** and ******** being issued.  Once the application was received an email dated July 10, 2024 was sent to the email address on the application which included a summary sheet detailing the coverage purchased. 
  
  The coverage purchased was for whole life and accident on Ms. ******* with a combined monthly bank draft premium of $109.99, the initial premium drafted was for $114.99 which included a $5.00 one time only policy fee.  Ms. ******* called our office on August 27, 2024 to request the cancellation of her coverage and we show that a refund of premiums totaling $11.25 for the accident policy was mailed to Ms. ******* on September 12, 2024, which remains outstanding.  A refund of $103.74 representing a full refund of premiums received on the life coverage is being sent to Ms. ******* to the address on file which she should received within the next 7 to 10 business days. 
  
  No other coverage remains in effect for Ms. ******* with our Company.  We hope to have been able to resolve Ms. ******** concerns. 

  Customer Answer

  Date: 10/13/2024

  To this date October13 I still have not received the remaining $109.00 I did receive two checks, one in the amount of$11.25 and the other in the amount of $1.47, no other check has been receieved by me *********************** ***********

  Customer Answer

  Date: 10/15/2024

  I am rejecting this response because:   To this date October13 I still have not received the remaining $109.00 I did receive two checks, one in the amount of$11.25 and the other in the amount of $1.47, no other check has been receieved by me *********************** ***********

  Business Response

  Date: 10/21/2024

  Good evening,

  The 2nd draft that drew  on 8/20/24 for both policies in the amount of $109.99 was returned on 8/28/24 for authorization/customer revoked The initial premium checks are the only refunds owed.

  Customer Answer

  Date: 10/22/2024

  They paid me back all the money they took, *********************** ************ you can close this complaint

  Customer Answer

  Date: 10/22/2024

  I have reviewed the business response and accept this resolution. They paid me back all the money they took, *********************** ************ you can close this complaint

  Business Response

  Date: 10/23/2024

  The customer is only owed the initial premium on policies ******** and ********.  In her note below she states she has only received the checks for $1.47 (surrender value of policy number ********) and $11.25 which was the initial premium received on policy number ******** ($6.25 premium + $5.00 one time policy fee).  However, in looking at our records she did receive our initial premium refund of $103.74 because it cleared our account on 10/21/24. 
  
  Had she not placed a stop payment on the subsequent draft we would have refunded $109.99 but since that draft did not clear the only refund due her was for the initial premium as detailed above.  All checks cleared our account on 10/21/24 and no other funds are due to the customer.

• Initial Complaint

  Date:09/25/2024

  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 Step-father passed away in January 2024. My Mother has late state dementia and I obtained legal guardianship of mother. I have been able to make changes, etc. and request information on the three policies my mother has through American Income Life since February. I called on 9/6/24 to cancel all three policies. I was on a recorded line. I stated clearly it was me and I wanted all three policies cancelled. They cancelled the one with the lowest cash surrender value and didn't cancel the other two. I called on 9/19/24 to inquire because they took another premium of $176.01 on 9/17/24. At that time they stated that they did not have the proper guardianship paperwork to process the request and that my Stepfather was still the legal guardian even though they received his death certificate and processes his life insurance claim. I immediately sent the paperwork to the email address provided. They did not at any time state that they did not have the complete paperwork February - September until I wanted to cancel the policies. I called today and they stated they did receive the guardianship paperwork but it still needed to be reviewed by their legal team. I asked why they cancelled one policy on 9/6/24 but not the other two. They stated it was because my Mother called herself and cancelled that policy. I confirmed that it was me and I was on a recorded line as my mother is non-verbal and in a nursing home and is incapable of calling, hence why I needed legal guardianship. They are dragging this out so they can continue to withdraw the premiums since they know I am cancelling the policies. I need this money to pay the nursing home. I asked to speak to someone above the agent and I was told I was not able to.

  Business Response

  Date: 10/07/2024

  I spoke with ****** ******** directly and she has decided to recant this complaint and keep the policies. Thank you for giving us the opportunity to resolve the issue. 

  Customer Answer

  Date: 10/07/2024

  I have reviewed the business response and accept this resolution.