Complaints

This profile includes complaints for National Income Life Insurance Company's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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National Income Life Insurance Company has 13 locations, listed below.

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  National Income Life Insurance Company

  3700 S Stonebridge Dr McKinney, TX 75070-5934

  
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  National Income Life Insurance Company

  1567 East Henrietta Road Rochester, NY 14623

  
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  National Income Life Insurance Company

  200 Sherwood Avenue, 2nd Floor Farmingdale, NY 11735

  
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  National Income Life Insurance Company

  1441 Broadway Suite 3060 New York, NY 10018

  
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  National Income Life Insurance Company

  2 S Clinton Street, 3rd Floor Suite 305 Syracuse, NY 13202

  

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:04/02/2025

  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.

  National income is taking money through my bank although I have asked to end my policy.. I no longer live in ** and they continue to take $63.74 twice a month for a policy I had when I was working for the county of ******.. This issue started in October 2024 to present.. I have tried to stop payment and the bank wont.. The agent stated they would end it and have not done so.. They keep trying to increase my policy EVEN AFTER I ASKED FOR THE POLICY TO END.. *********** is rip off and I want my money back..

  Business Response

  Date: 04/11/2025

  We would like to thank ******* *****-****** for reaching out to our office regarding this matter.  Per our records, no written cancellation request was received by our office.  In order to cancel and surrender each policy, the policyholder must submit a written cancellation request (see attached).  Once this request has been received by our office, the cancellation and surrender process can be completed and any refund due to the policy holder issued.  Please complete and submit the attached cancellation request in order to complete the cancellation process.  Please let our office know if we can be of further assistance. 

• Initial Complaint

  Date:03/10/2025

  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 wife and I signed up for life insurance through this company. The agent (*****) and her boss (***) were very pushy and made us feel uncomfortable, we signed up anyway. I cancelled the policy a day later, as I had a better option through my employer. ***** assured me the policy was cancelled and her boss *** confirmed that we will be getting a refund in 7-10 days. Fifteen days later-no refund, but I kept getting calls from underwriting telling me I need to complete my application. I called underwriting, who told me my policy was still showing active! I told them AGAIN it needs to be cancelled. I was told it would AGAIN be cancelled and the amount I paid ($144.03) would be refunded within 7-10 days. Were on day 11 now with no refund!!! Im only giving it another week or so, before I lodge a complaint with the attorney general. This company is ridiculous!

  Business Response

  Date: 03/25/2025

  We would like to thank Mr. ****** for reaching out to our office regarding this matter.  Per our records, policies *********/3/4 were cancelled and refunded to the individuals on March 10th, 2025 in the amounts of $64.20 (*********). $59.46 (NY0943953) and $20.37 (NY0943954).  Please let our office know if we can be of further assistance.  

• Initial Complaint

  Date:03/08/2025

  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.

  I am writing to file a formal complaint against National Income Life Insurance for engaging in what I believe to be fraudulent activities and failing to provide any communication or statements related to my policy.For several years, National Income Life Insurance has been making regular withdrawals from my bank account, without my consent or any explanation. Despite repeated requests, I have not received any documentation, billing statements, or even basic details regarding the charges or my insurance policy. This lack of transparency and failure to provide any form of statement raises serious concerns that these withdrawals may be unauthorized.The details of my account are as follows:Name: ***** ******** Bank Account Withdrawal History: [Monthly withdrawals since September 2023-present]I have attempted to resolve this issue directly with the company, but my efforts have been met with inadequate responses and no clear resolution. Therefore, I am seeking the assistance of the Better Business Bureau to investigate this matter and assist in resolving the issue.I am requesting the following actions:A full investigation into the companys practices regarding unauthorized withdrawals.A detailed statement of all transactions related to my account, including payment history and fees.A refund for any unauthorized or incorrect charges made from my bank account.A clear explanation of the policy and services I have been paying for, as well as an assurance that this situation will be addressed appropriately.If the situation is not resolved promptly, I may be forced to take further action, including contacting state regulatory authorities, the ************************************ (****), and seeking legal advice.Thank you for your attention to this serious matter. I trust the BBB will assist in bringing this issue to a swift and fair resolution. I look forward to your prompt response.***** ********

  Business Response

  Date: 03/25/2025

  We would like to thank Ms. ******** for reaching out to our office regarding this matter.  Per our records, the Whole Life policy with Terminal Illness rider was issued as applied for and the premiums quoted at application were drafted as indicated.  No cancellation request has been received and the coverage remains in place.  As indicated in the attached documents, different addresses were provided and could possibly explain why the insured never received any documentation.  A request has been submitted to send the policyholder a duplicate policy at the address given in this complaint.  Please allow 7-10 business days for this request to be processed.  Please let our office know if we can be of further assistance.

• Initial Complaint

  Date:02/04/2025

  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.

  We started our policy last year and after filing a claim and not getting what we were originally promised, we decided to cancel our policy in August of 2024. They automatically withdrew for September, after we were under the assumption our policy was cancelled. We called, they said they would be cancelling the policy and apologized. We chalked it up to a simple error and let it go. The same thing happened every single month until January when we finally got confirmation that our policy was cancelled. We have had at least 10 calls with this company where they say they will listen to the old calls and will reimburse us since August ($171 a month) within 3-5 business days. Every time I call, I get the same response or that they cant find our policy then they put me on hold for ***** minutes saying they are looking for it or finding someone who can help and I get nothing. It seems to be a reoccurring theme.

  Business Response

  Date: 02/10/2025

  We would like to thank ****** ****** for reaching out to our office regarding this matter.  ********** has cancelled and surrendered policies NY0882998, NY0882999 & ********* and are refunding the premiums drafted after the requested cancellation in August 2024.  The amount refunded equals $850.95, reflecting five payments of $76.59 for NY0882998, $73.64 for NY0882998 and $19.96 for *********.  Please allow 7 business days for the funds to be released.  

• Initial Complaint

  Date:12/17/2024

  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 started the application process, which I was told at the time I would need to do a follow up call to complete the process. The agreement was my payments start on November 15th 2024. They took their first payment and over withdrew me in October. I was told the policy would not be accepted due to my green card expiring. The lady overviewing my policy stated she would just enter a different expiration date for approval. I talked to my "agent" who has since left the company and said I was no longer interested. To my knowledge, my application was never completed. I've had two additional charges since. I received calls that my application needed to be completed and again told my agent I was no longer interested. Somehow my application was completed without me? Apparently because I went thru my agent and not them, I was approved and enrolled. I called today and was told I should have called them directly instead of going thru my agent. I simply requested my policy be terminated and my payments be refunded as I had requested from my agent and after being transferred to 3 different departments I was told that I can terminate my policy, but would not be reimbursed. Two people said my policy shouldn't have started with my immigration status and the third said it didn't matter. I had made it clear I did not want the policy after they took my payment before the agreed date to my agent. Apparently I waited too long and will no longer be eligible for a refund. Nothing was explained or made clear during my application on terminating the policy, and I don't understand how an agent can complete an application without me or not be able to cancel a policy after I stated I no longer wanted it. The last person I spoke with was very rude and made me feel like I was at fault because I wasn't aware that notifying my agent was fruitless.

  Business Response

  Date: 12/18/2024

  NY0927080/81/82 We would like to thank ***** ****** for reaching out to us regarding this matter.  The application submitted to our office was dated 10.15.2024. The effective date of the policy(s) is always the application date unless otherwise noted.  ********** always collects the initial premium when the policy is issued.  We regret the miscommunication between the agent and the insured.  ********** will cancel policy(s) as of the date of issue and refund premiums drafted.  Please allow 7 business days for the funds to be released.

• Initial Complaint

  Date:12/13/2024

  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.

  We have been trying to cancel our policies for weeks. I have called, and emailed so has my husband. Every time we contact them they give us the run around. I called they told me my husband has to call. I asked to conference him in they said not allowed he has to call separately. He called they told him I had to call but allowed him to conference me in. Last Thursday, December 5th I had emailed both agents asking to cancel with no response. I called December 6th and left a voicemail with no return call. I called December 9, 10, 11, and 12th asking to cancel. My husband called December 11th confirming to cancel and they act like they have no record of the calls. We sent a formalized complaint to their emails they provided on *****, and they wrote back they cant find our policies. Ive asked to be reimbursed for the money they have taken during this period as I have been trying to cancel and instead they keep pulling my funds and giving me the run around. They have since overdrawn my account. Ive asked for our account numbers to include on their forms they told me put all policies we are left with no information.

  Business Response

  Date: 12/30/2024

  NY0837574 We would like to thank ******* ****** for reaching out to us regarding this matter.  Our records show that she called the office on December 9th and requested cancellation.  The policy was removed from bank draft and a cancellation authorization was mailed.  We have not received the cancellation authorization.  ********** will use the complaint as the authorization to cancel this policy.

  ******* ****** is not the owner of policies NY0785750/51/52. ****** ****** is the owner.  We will need his authorization to cancel these policies.  I have sent a cancellation form to the email provided in the complaint.

• Initial Complaint

  Date:12/07/2024

  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.

  Hello, I believe Im a victim of life insurance fraud. On January 27, 2023 I signed up for whole life insurance with **** ****** (supervising manager) ***************** under National Income Life Insurance I. Coverage was for me and my daughter. February was the first payment taken. 12 payments of $35.34 ($1,353.40) later and I still cant sign up online to view my life insurance policy. I contacted the agent in March who helped me,**** ******. He gave me their information: policy #s NY0891617 and NY0891618, for my daughter and I. These numbers seemed bogus when I tried creating and account online. I called and texted ****. Outreach was done several times and he said he would get back to me. He never did. **** never called or texted me back. He also said he would have the regional manager contact me, who never did. His excuse for not being able to sign up was that mine and my daughters policies were pending approval. I cant get in touch with anyone from National Income Life Insurance over the phone. **** does not answer his cell or texts. Its almost a year and I dont have anything but money taken from me. I want my money back. At this point theres no access online to even sign up anymore.

  Business Response

  Date: 12/11/2024

  NY0891617/18  We would like to thank ****** ******* for reaching out to our office regarding this matter.  Policies were mailed to the insured as requested by the applicant.  They were not returned as undeliverable.  ********** has not received any other request for duplicate policies.  The actual policy is not available online.  I will have duplicate policies mailed to the insured.  A **************** representative will reach out directly to the insured regarding setting up online access.  Should the insured still wish to cancel the policies she may reach out to me directly at **********************************

• Initial Complaint

  Date:12/03/2024

  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 cancelled by policies (policy numbers in uploaded document) on 11/11/24.I was told the cancellation form would have the option of mailed checks or direct deposit, there was no option. I called and was told they dont do direct deposit and that checks were sent out on 11/14 and 11/19 for each policy and was told that regular mail can take up to 30 days by one representative, 3-5 business days by another representative and ***** business days by another representative, all of which were rude and nasty and frequently hung up on me. Another representative told me they cant do anything until after 12/19 if the checks dont arrive. Sending over 4000 dollars in the regular mail or without a receipt does not make sense to me. I have been trying to call for the last two days and after being on hold for over an hour, someone answers and immediately hangs up, so now I cant reach anyone. My policies were on autopay and I have spent close to 10k in premiums and no one answers by phone or email. I just want the value direct deposited so I dont have to deal with company.

  Business Response

  Date: 12/26/2024

  We would like to thank **** ******* for reaching out to our office regarding this matter. 

  Policy NY0526616  ********** does show that ck #****** in the amount of $3,729.38 was issued on November 19, 2024.  That is over 30 days ago.  If our records show that the check has not cleared the funds will be reissued.  

  Policy NY0687599 ********** does show that ck #****** in the amount of $989.61 was issued on November 14, 2024.  That is over 30 days ago.  If our records show that the check has not cleared the funds will be reissued. 

  If these checks have not cleared our office will reissue the funds.  If possible we will direct deposit the funds, if not they will be sent overnight.  Please allow 3 business days for the release of funds.

  Customer Answer

  Date: 12/27/2024

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  Date:11/20/2024

  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 have been going through an ongoing issue battling this company to completely close out all of my insurance policies as I no longer was interested in the extreme dollar amount they ask per month in coverage. I called on 8/27/24 to cancel these policies, but was forced to wait until I received their cancellation form which took 15 business days to arrive at my address. No one had contacted me after I sent in the cancellation request, so I figured at that point in September that everything was taken care of. Fast forward to October 2nd and I noticed I have been billed for insurance premiums I believe I had cancelled. I called them asking why this had occurred on October 7th and they claim that I still have open policies that I have not returned a form for. I sent in all of the policy numbers I knew of at the time for now what would be a 2nd time. Yet after this 2nd time they still claim nothing has been received. I had called seven times during this period between August all the way through what is now November 20th, each time being someone totally different and has no idea of my case and each person wants me to continue to resend forms to 3 different emails hoping for the best. I became absolutely infuriated numerous times speaking with the different members of staff as no one could explain to me why my emails are not being responded to and I have now sent 4 emails. After one of my calls earlier in the month of November, after getting snotty with them, I finally received an email with a response to the original forms SENT ON SEPTEMBER 21st ! This only tells me they had my emails all along and threw me on the back burner as they did with a bunch of other clients as well who were trying to cancel. They do not want to refund me the full amount of my insurance premiums because they claim, I didnt ask for all of them to be cancelled, during my phone call on August 27th even though I stated right in my email from September that I wanted to remove every one of them.

  Business Response

  Date: 12/11/2024

  NY0891848/49/50 We would like to thank ********* ****** for bringing this matter to our attention.  Our records show that one of the four policies was cancelled as of the September due date.  The remaining policies stayed in force until November.  ********** will cancel all policies as of the September due date.  Please allow 7 business days for the refund to be released.

  Customer Answer

  Date: 12/16/2024

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  Date:11/14/2024

  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 filled a cancellation form for my whole life insurance and was supposed to be sent a check of the amount of around $800.00 this was filed in October and Ive still havent seen a refund check I need this issue resolved Ive tried to contact them and Ive had no success please help me thank you !!

  Customer Answer

  Date: 11/15/2024

  This issue is resolved I I no longer need assistance thank you