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    ComplaintsforGlobe Life and Accident Insurance Company

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    Complaint Details

    Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.

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    Complaint Status
    Complaint Type
    • Complaint Type:
      Billing Issues
      Status:
      Answered
      In reference to policy #**A744883 with Globe Life Insurance. Received notice 6/19/23 for a payment due of $1641.99 and another 6/19/24 for $1740.51. Letter states this is an unpaid loan balance which is completely untrue. Monthly payments have been made to date and no loan has been taken out on this policy at any time through the life of this policy. 6/17/24 - Multiple phone calls have been made to Globe Life and no agent has answered or returned my calls. Would like for these frivolous fees to be removed from account ASAP. Thank you

      Business response

      06/26/2024

      Policy #**A744883, insuring the life of ********************, is a whole life policy issued effective June 19, 1993 in the amount of $10,**0.** and includes a $5,**0.** term life rider. A copy of the policy is enclosed for your reference. The policy is currently in force and paid to September 19, 2024. *********************** is the designated beneficiary and premium payor.

      According to our records, a loan in the amount of $557.42 was processed against this policy on December 7, 2024.The loan was requested by telephone. Since this took place almost 20-years ago,we cannot provide a recording of the phone call or a copy of the cashed loan check as we no longer have those records. What we can provide is copies of the loan interest statements that have been sent to *********************** every year since June of 1995 (enclosed).

      These statements provided *********************** with the loan balance, the accrued interest, and the new loan balance.Although the notices have been sent to *********************** for the past 19 years,there is nothing in our records indicating *********************** or ***************** ever contacted Globe Life to dispute the loan.

      A loan breakdown is also enclosed for your reference.  

      I trust this information is responsive to your inquiry.
    • Complaint Type:
      Order Issues
      Status:
      Answered
      I was simply research life insurance and Globe Life decided to harrass me. I have repeatedly called them and even e-mailed them to leave me alone. They refuse and have started trying to bill me. I DO NOT and WILL NEVER do business with this company. They need to leave me alone and need to be sued for harrassment. This is my last e-mail to them:***************************** From:****************** To:******************************** Sat, Jun 8 at 12:37 PM I did not authorize any policy or payments or policy from Globe Life. Remove me from all mailing lists and stop harrassing me as I will never do business with your company. I am reporting you to the Better Business Bureau.

      Business response

      06/21/2024

      Contrary to allegations in ***************************** complaint, she did not simply research life insurance, she actually submitted two separate applications for insurance coverage via the internet on April 13, 2024.Printouts of the electronic application data received from ****************** are enclosed for your reference.

      Based on these applications,Globe Life issued term life policies #****A3341 and #****A3342 effective April 16, 2024 in the amount of $20,000.00 each. Copies of the policies are also enclosed for your reference. According to our records, these policies lapsed May 16, 2024 due to non-payment of premiums. Both policies have now been cancelled, pursuant to the complaint.

      When a consumer requests a quote for life insurance coverage online via Globe Lifes website, all she has to do is provide general information (i.e., name, address, email address, date of birth). Once the general information in input, a page with quotes for insurance coverage from $5,000.00 to $100,000.00 will appear. An example of this page is enclosed for your reference. If the consumer is only requesting a quote, she need not go any further than this page. In order to actually apply for insurance coverage, the consumer must click on the Continue button.

      Once the Continue button is clicked, the consumer is taken to the application where additional information is required, such as the amount of insurance being requested, whether or not the consumer wants to add accidental death coverage, the name of the beneficiary and his/her relationship to the applicant, as well as specific questions regarding the consumers health history. On the internet applications submitted to Globe Life, ****************** designated her sister, *************************************** as her beneficiary, answered No to all health questions asked,and did not elect the accidental death benefit coverage.

      Policy notes indicate ****************** contacted Globe Life via telephone on May 6, 2024 threatening to take legal action if her name was not taken off the mailing list. We have added ***************************** name and address to Globe Lifes Do Not Mail list. We ask that ***************** please allow at least ***** days for this change to take place, as other mailings *** have already been processed. Globe Life apologizes for any inconvenience these mailings *** have caused.

      Please be advised that ***************** name and address *** again be added to the Companys mailing list should she inquire about or apply for coverage in the future.

      I trust this information is responsive to your inquiry. 
    • Complaint Type:
      Sales and Advertising Issues
      Status:
      Answered
      My grandmother opened a policy on me back in 2009, she passed away in November 2021. ** had my grandmother's name spelled incorrectly, making it difficult to change ownership although letters sent to my grandmother had her name spelt correctly. I sent the death certificate and requested to change my beneficiary to my mother. I received an "annual statement" in the mail dated for 6/5/2024 which included interest. Nothing on my online account indicates an issue with my policy, nor an option to pay via phone or online. When contacting Globe Life, they were not only unapologetic, they couldn't explain to me what the specific issue was, nor why I was not communicated with for issues with billing. They were unable to find multiple payments made though I had the history loaded in front of me. I also realized they still had my deceased grandmother listed as my beneficiary. I also was unable to locate the complete terms to my life insurance policy. Below is the list of transactions made prior and post the death of my grandmother:Date Amount months Due Date 10-12-23 $122.161209-05-23 07-26-23 $32.37306-05-23 04-04-23 $61.08612-05-22 01-24-22$122.161212-05-21 12-05-21$10.99112-05-21 11-07-21$10.99111-05-21 I missed 4 months between Jan-April 23, but they were paid back I do not understand where this letter came from, why I was not contacted after 105 days of nonpayment last year, why I am just now being charged for something I have already paid and made up for, and why no information is available on their outdated website. Trust is paramount for a life insurance company and these egregious mistakes have lost my trust and made me understand exactly why there was a *** probe conducted on possible fraud. The only resolution was to surrender my policy and receive $280 for 15 years of being a loyal customer. My grandmother would be disgusted.

      Business response

      06/19/2024

      Policy #***G08306, insuring the life of ************************, is a whole life policy issued effective May 1, 2009 in the amount of $10,000.00 and includes three $5,000.00 term life riders,bringing the total face amount of the policy to $25,000.00. A copy of the policy is also enclosed.

      ************** grandmother, *****************************, was the applicant and original policy owner. Her first name was spelled ******** in our records based on the way it appeared to be spelled on the direct mail application submitted in April 2009.

      ***************************** passed away November 6, 2021. A copy of her death certificate was received on December 12,2021. Upon receipt of the death certificate, ownership of policy #***G08306 was changed to *********************. According to our records, beneficiary change forms were sent to ********************* on December 2, 2021 and January 26, 2022. However, there is nothing in our records indicating Globe Life ever received a completed beneficiary change form from **************. Consequently, her grandmother remained the designated beneficiary of the policy.

      According to our records, policy #***G08306 lapsed, with cash value, effective December 5, 2022 due to non-payment of premiums. The 31-day grace ****** expired January 5, 2023.Pursuant to policy provisions, a premium loan in the amount of $61.08 was applied to the policy on April 4, 2023, paying it to June 5, 2023. Premium loans are automatic if the policy owner does not choose one of the other non-forfeiture options within 60-days of the unpaid premium (see Option 4 Automatic Premium Loan under the Nonforfeiture Provisions on pages 5 and 6 of the policy). A copy of the policy is enclosed for your reference. The interest statement ************* received is regarding the interest that accrued on the automatic premium loan processed on April 4, 2023.

      ************** resumed paying the premiums for the above policy on July 26, 2023 and continued to pay those premiums until October 12, 2023. The last premium ($122.16) paid the policy from September 5, 2023 to September 5, 2024.

      On June 4, 2024, ************** requested surrender of the above policy via telephone. Before the policy could be surrendered, Globe Life refunded the unearned premium of $32.37 (the premiums that paid the policy from June 5, 2024 to September 5, 2024.) The policy was surrendered June 13, 2024. A check (#*******) in the amount of $276.05 was issued to ************************ on June 13 2024. The amount paid represents the full cash surrender value of the policy, less the outstanding loan balance.

      I trust this information is fully responsive to your inquiry.

      Customer response

      06/19/2024

      I am rejecting this response because:   I am still not satisfied with the response provided. There was no proper apology nor thorough explanation of how $200 some odd dollars covers the expenses. 

      Business response

      06/20/2024

      Please provide more information as to what you mean by a thorough explanation of how $200 some odd dollars covers the expenses so that we can fully respond to your rebuttal.
    • Complaint Type:
      Billing Issues
      Status:
      Resolved
      I have 4 policies for my children and I with globe. The policies in question are ******************************* policy number 0040B2998 and TaeJahn ******** policy number 0040B2997 I ******************************* is the main policy holder and my policy number is 008R04330 I recently called to have all my policies payment updated I told them I want to pay monthly for all 4 policies and I want the payments to be tooling out the same day. I go on the app and see that for 2 of the policies it it has a year payment. I called several times where agents were hanging up on me and saying that its fixed. I asked for my payment information be removed. I get a charge of $147.99 I dont understand how my money was taking and I already paid for the month of May. On my other bank payment. My money was not authorized to be taking. I would like for all 4 of my policies bank payment information to be removed and for my payment to be monthly and not yearly and I want my money back that you took

      Business response

      06/14/2024

      According to our records, during a May 29, 2024 phone call, ******************************* agreed to put policies #****B2997 and #****B2998 on recurring bank draft. On that same date, Globe Life drafted an annual premium in the amount of $147.99 for policy #****B2997 and $153.33 for policy #****B2998. On May 30, 2024, the $153.33 payment was declined;however, the payment of $147.99 cleared.

      ******************** contacted Globe Life on May 30, 2024 stating she did not authorize an annual premium. Per procedure,******************** was instructed to request a refund in writing. The Better Business Bureau complaint was received four business days later.

      After reviewing the recorded phone call, we confirmed that ******************** did not agree to annual billing. A refund check (#*******) in the amount of $147.99 was issued to ******************************* on June 10, 2024 and was sent to her on June 12, 2024 via regular mail. A copy of the check is enclosed for your reference.

      In an effort to further resolve this matter, policy #****B2997 has been advanced on July 5, 2024 at no cost.Globe Life sincerely apologizes for the incorrect drafts and any confusion of inconvenience it has caused.

      I trust this information is fully responsive to your inquiry.

      Customer response

      06/20/2024

      I am rejecting this response because:   I did not receive a check. And you all still trying to charge my card. I asked to for 1 month to be taking out not 12 months. I asked to have my banking info removed from you all system. I will pay the bill myself!

      Business response

      07/02/2024

      According to our ********************** the refund check #******* in the amount of $147.99 issued to ******************************* on June, 10, 2024 was cashed June 25, 2024.

      All four policies were taken off bank draft and placed on direct billing on May 30, 2024. Contrary to statements in the rebuttal, no premiums have been drafted for these policies since May 2024.

      I trust this information is responsive to your inquiry.

      Customer response

      07/02/2024

      I have reviewed the business response and accept this resolution.  I did get the refund
    • Complaint Type:
      Service or Repair Issues
      Status:
      Resolved
      On May 7, 2024, account number 005E22652, I *********************, with my son, ********************* contacted Globe Life Insurance trying to receive viable information on the cash value of the policy because my son, who pays the policy, is comfortable now in his life to feel any of my obligations in my passing. Globe Life has given my son and myself a complete run around throughout the process. We have sent in writing from the website ********************************************************************** twice requesting this information. We spoke to an agent by the name of ******* who was very nonprofessional and condescending at times. First, ******* felt it was none of our business to know her title or position with Globe Life. ******* at one point attempted to isolate me from my son because she stated my son does not have power of attorney even though, ******* also stated that an attachment should have been sent with the request from the website but the website does not have any way to send an attachment. I gave Globe Life permission to talk to my son directly while I was on the phone. ******* wanted another number instead of the number on file to contact me without my son present. Once again, my son pays the policy and understands finance better than I do. ******* never offered my son an explanation on why, on the 11 years the policy was paid that only $357 was the accrued value if I decided to take the cash value. A supervisor was suppose to call within 24 hours and we never received that phone call. Second, we requested the policy so we can read through the policy ourselves and of course that has not been mailed. We were never given options on the policy, for example changing the policy from step term life to whole life, or transferring the policy completely as one of the options of the website referenced. We would want in writing from Globe Life the actual cash value of the policy if one exists, the policy in writing, and options to move the policy if that is feasible.

      Business response

      05/29/2024

      Good afternoon Jada,

       

      Unfortunately, when Liberty National Life Insurance Company (NAIC *****) or Globe Life and Accident Insurance Company (NAIC *****) receives a BBB complaint, we are unable to determine which company it belongs to until we research the complaint/policy further, and usually the complainant does not specify/clarify the company name.

       

      Our accounts are set up correctly, but regrettably, Liberty National Life Insurance Company (NAIC *****) or Globe Life and Accident Insurance Company (NAIC *****) will need to confirm which entity it belongs to, and therefore, you will receive further reclassifications. 

       

      We truly apologize for the inconvenience and confusion this has caused the BBB.

       

      Thank you,

       

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

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

      Paralegal, Legal 

      Business response

      06/04/2024

      In order to fully respond to your inquiry, it was necessary to request a copy of the policy from ***************** which has not yet been received. Therefore, Globe Life respectfully requests an extension of time to respond. An extension to Tuesday, June 11, 2024, should be sufficient.

      Customer response

      06/04/2024

      I have reviewed the business response and accept the extension date for a response but not a resolution. 
    • Complaint Type:
      Product Issues
      Status:
      Answered
      I purchased a life insurance policy with an added accidental death benefit policy 00-48d3266 .My son died in a car accident and he suffered multiple bone injury's

      Business response

      05/13/2024

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

      250 American Way Unit 243

      Oxon Hill, MD 20745

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

      Complaint ID: ********

      Dear ***********************:

      This is in response to your recent BBB complaint. Please accept my condolences for your loss.

      As you are aware, death benefits for the whole life policy ending in 3266 were paid out in full on September 14, 2022. Please note that this claim is not eligible for Total And Permanent Accident Benefit Rider benefits, as death is not a loss covered under said Rider. I have attached a copy of the Rider for your review. Please see the list of covered losses under Accident Benefit on Page 1. Additionally, please see the first sentence under Exclusions, Page 2.

      We regret that we are unable to be of further assistance with this claim. If you have additional questions regarding this matter, feel free to contact me directly at ***********************************.

      Sincerely,

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

    • Complaint Type:
      Service or Repair Issues
      Status:
      Resolved
      Policy Number: 006W43226 October, 2023 - I surrendered my Globe Life Insurance policy - The representative said I would be receiving a check for $1,447.59 - I have not received the check after almost 7 months - I've made numerous phone calls and each representative said we will be mailing the check. The average time to get a representative on the phone is 30+ min. On 04/09/24 I tried leaving an email to: *************************************************** and received a reply "There was a temporary problem delivering your message" I had this policy for many years and very disappointed in the customer service we are receiving. Please inform the public - do not use Globe Life. My concern is not only not receiving my check as they committed to, but what if I past away my family wouldn't have received funds for my burial expenses. I requested they use an express service, so we would have a tracking number- they said they would make the request- when I followed up - they said no we didn't use express service but we mailed check - they even gave me a check number- after almost 7 months still not check. I followed up days later to make sure they mailed the check - they always said they did. They said you will be receiving the check ***** days from my phone call and if I didn't receive I had to wait 30 days before they could issue another check - they said the post office returned to them one check for the incorrect address. Here is some (not all) of the dates I called and some of the representatives I've spoken to (I'm sure the spelling is not correct) 10/2023, 11/01/23, 12/05/23, 12/22/23, 01/19/24, 01/29, 02/08, 03/19. 03/27, 04/02, 04/11, *******, *******, ********, *******, ********, ******, ****, Perceilla. Please don't trust Globe Life. Alot of complaints against this company - find a reliable company. If they didn't pay me, they may not pay you or your family. Thank God I cancelled when I did and that I didn't depend on Globe Life my Insurance needs. Thank you.

      Business response

      05/13/2024

      Dear ************************,

      Thank you for your correspondence with Globe Life via the Better Business Bureau. Your correspondence has been forwarded to me for response. We regret any inconvenience the surrender process for policy 006W43226 may have caused.

      Policy 006W43226 was issued October 3, 2014, on the life of ********************************* with a face value of $20,000.00 and an Accidental Death Benefit Rider in the amount of $150,000.00.

      Three surrender checks have been issued and mailed for policy 006W43226. The first check was issued November 1,2023. The second was issued January 29, 2024, both of these checks have been stopped. The most recent check was issued April 3, *****.

      Please confirm if the most recent check has been received to my direct attention so I can provide any additional assistance needed to complete this process.

      Again, we regret any inconvenience you may have experienced. Please contact me directly in writing by fax, mail or email at ************************************** if I can be of any further assistance in this matter.

      Respectfully,
      *********************************

      Assistant General Counsel
      d: ************
      f. ************
      **************************************

      Customer response

      05/14/2024

      I have not received the check - I left an email message to emsturdivant as instructed to do so in the response from Globe Life - I requested that they ***** me the check so we would have a tracking number.  Thank you so much   

      Customer response

      05/16/2024

      I am rejecting this response because:   

      I have not received the check - I left an email message to emsturdivant as instructed to do so in the response from Globe Life - I requested that they ***** me the check so we would have a tracking number.  Thank you so much   

      Business response

      05/31/2024

      ************************,

      The tracking for the ***** shipment containing the reissued surrender check on policy 006W43226 shows it was delivered Friday May 24, 2024.

      If I can be of further assistance regarding this matter please contact me directly.

      Sincerely,

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

      Customer response

      06/06/2024

      I have reviewed the business response and accept this resolution.  I did receive the check  - thank you so much for your help.
    • Complaint Type:
      Product Issues
      Status:
      Resolved
      Since 2013 I have been paying average $54/month for term life insurance to Globe Life. In January 2024 price went up to $74/month so on February 9th I cancelled policy and they said they would issue a refund for the difference from February 9th to March 1 that I paid. I waited 30 days, called them to request a stop payment on surrendered check which I never received. They said they would reissue another one. I waited another 30 days and never received the check. I called on April 12th to be told it had been cashed back in February. That I needed to send an email to do anything further. Which I did, twice, but have not received any response. I would think they could at least find out where the check possibly could have been cashed or some information but nothing. At least prove that they even issued a check at all.

      Business response

      05/02/2024

      Policy #***D64416, insuring the life of ************************, is a term life policy issued effective February 1, 2013 in the amount of $20,000.00. ************** paid $54.24 per month from February 1, 2019 to February 1, 2024 when the monthly premium increased to $74.74, pursuant to policy provisions. The dates and amounts of each premium increase can be found under the Benefit and Premium Schedule on Page 2 of ************** policy.

      According to our records, ************* requested cancellation of the policy via telephone on February 9, 2024. Because it had cash value at the time, the policy was surrendered. A check (#*******)in the amount of $3.64, representing the full cash surrender value of the policy, was issued to ***************** ***** on February 11, 2024, and mailed to the address of record: *******************************************************, which is also the address on the complaint. The check was cashed March 5, 2024. A copy of the cashed check is enclosed.

      I trust this information is responsive to your inquiry.

      Customer response

      05/02/2024

      I am rejecting this response because:   This complaint is NOT in regard to the cash value of the surrendered policy but rather the amount I paid for February 10 to February 29... policy was paid ($74.74) February 1st and then surrendered February 9th.  I was told that I would receive a check for the amount I paid from Feb 10 to Feb 29, 2024 since I was no longer insured after the 9th.  Thank you for your time and consideration in this matter.

      Business response

      05/07/2024

      The cash value that was paid to ************** on February 11,2024 was calculated to the March 1, 2024 paid-to date. If the premium that paid the policy from February 11, 2024 to March 1, 2024 was refunded, there would have been no cash value for which to surrender the policy.

      Customer response

      05/07/2024

      I have reviewed the business response and accept this resolution. I don't agree with the results but nothing I can do about it. 
    • Complaint Type:
      Service or Repair Issues
      Status:
      Resolved
      I have been bombarded by mailings from this company. I have never requested anything from this company nor will I ever do business with them. So far they have sent me mailings under four different names; ****************************************, *******************, and *********************. I called on 7-31-2023, 10-16-2023 and 2-19-2024 to request that my address be taken off their mailing list. I would just like all mailings from this company to stop. Thank you.

      Business response

      05/07/2024

      For your reference, I am enclosing a copy of the response that was sent to ********************* today via email, which I believe is self-explanatory.

      I trust this information is responsive to your inquiry.

      Customer response

      05/07/2024

      I have reviewed the business response and accept this resolution. 
    • Complaint Type:
      Service or Repair Issues
      Status:
      Resolved
      I have owned a Whole Life insurance policy with Globe Life And Accident Insurance Company since April 10, 2012. The policy is referred to as "Group Juvenile Whole Life". As of December 2023, I purchased a home and have since changed my address online with Globe Life's online customer service portal. In March 2024, I reached out to customer service for an explanation as to if my son was still insured because the policy states it's for a juvenile and my son is now an adult. The service representative explained that it is also known as a "whole life" policy which means that it is for the duration of his life and the juvenile term is simply when I purchased the policy. During our conversation, I asked if the policy had accumulated cash value that I could borrow against. She said that the policy currently has a $655.00 cash value into which I could borrow with a %6 interest rate. I proceeded to answer questions and agree to the loan. On March 28, 2024, I received a voice mail from a woman named *** whom explained that for security reasons (due to a recent address change), I needed to request my loan in writing. When I called back, another representative saw the notes and agreed that I could write an email with my request and this would be honored. On March 29 2024, I received an email from customer service with another request. I have spoken to several people with several requirements and have met them, but have yet to receive confirmation of the funds being released. I have called customer service several times in the past weeks and have been told different things over the phone or hung up on. I was even given a false supervisor email to use for help. In conclusion, I have been a victim of identity theft and understand as well as appreciate the security measures, but to not receive a response and be hung up on and ignored is poor business practices. I have submitted lots of proof that it is actual me who is requesting the loan and yet I'm not getting a proper response.

      Business response

      05/02/2024

      On March 20, 2024, *************************** requested a loan against policy #***F81398 insuring the life of *********************************** via telephone. The loan was processed on March 27, 2024. However, the check was held during auditing due to an address change that was made on January 14, 2024. Per procedure, if a loan is requested within 90-days of an address change, the request must be submitted in writing.

      On March 28, 2024, ************** was advised via telephone that a written request for the loan was required due to the address change. Globe Life did receive emails from ************** requesting the loan; however, email is not a sufficient form of a written request. We apologize if ************** was led to believe otherwise.

      The signed loan request was received on April 29, 2023 (copy enclosed) and the check was sent to ************** on April 30, 2024 via ****** A copy of the check and ***** tracking information is enclosed. Per the ***** website, the check was delivered to ************** on May 1,2024 at 1:20 p.m.

      A copy of Globe Lifes check #******* in the amount of $618.66, representing the maximum loan amount available for this policy, is enclosed for your reference.

      I trust this information is fully responsive to your inquiry.

       

      Customer response

      05/02/2024

      Thank you for accepting your letter in return via EMAIL with my signature as written request for my loan. I am in receipt of the attached check however, the information on the letter provided with the check was unclear. Per your letter, I understand the terms of the loan however, please provide clarity as to "Whom" to send the repayment to (who to make the check/money order out to exactly) and the address (where to mail the check/money order to). Please feel free to respond here or by my email or phone number associated with my account. Also, my address has been changed since January 2024. I am not sure how long the postal carrier will forward my mail. As you can see from the attachments on April 17, 2024, Globe is continuing to use my old address. If you would be so kind as to use the address that the check was mailed to, it would be greatly appreciated.   

      Thank You

      Customer response

      05/03/2024

      I am rejecting this response because:   Thank you for accepting your letter in return via EMAIL with my signature as written request for my loan. I am in receipt of the attached check however, the information on the letter provided with the check was unclear. Per your letter, I understand the terms of the loan however, please provide clarity as to "Whom" to send the repayment to (who to make the check/money order out to exactly) and the address (where to mail the check/money order to). Please feel free to respond here or by my email or phone number associated with my account. Also, my address has been changed since January 2024. I am not sure how long the postal carrier will forward my mail. As you can see from the attachments on April 17, 2024, Globe is continuing to use my old address. If you would be so kind as to use the address that the check was mailed to, it would be greatly appreciated.   
      Thank You

      Business response

      05/15/2024

      The address for policy #***F81398 was changed to ****************************************** at the time the loan check was issued.

      Loan and/or interest payments can be sent to:

      Attn: Loan Repayment
      PO Box 268844
      *************. OK 73126

      I trust this information is responsive to your inquiry.

      Customer response

      05/15/2024

      I have reviewed the business response and accept this resolution. 

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