Business Profile

Insurance Companies

National Income Life Insurance Company

Complaints

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

Customer Complaints Summary

58 total complaints in the last 3 years.
24 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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:11/21/2023
Type:Product Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Charge me for a policy I canceled back in September 2023 the policy# NY729312 WHICH IS NATIONAL LIFE INSURANCE AND THE AMOUNT IS $156.00 I WANT A REFUND OF MY MONEY
Customer Answer
Date: 11/29/2023
I canceled the policy I sent to you back a couple of months ago they said someone reinstated that policy with out my permission or my signature the policy I'm talking about is the one I sent you with that policy number
Business Response
Date: 12/04/2023
We would like to thank ************************* for contacting our office regarding the cancellation of policy NY0729312. The policy has been cancelled as of the September due date. A refund of unearned premiums will be refunded directly to his bank account within the nex 3 business days.
Initial Complaint
Date:09/01/2023
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Called to tell business to remove my address, I keep getting mail for ********************************* at my address. I have sent back to sender multiple times, today I call, wait **************************************************************************************************** This person has never been at this address and I want my address removed immediately at ****************************
Business Response
Date: 09/06/2023
thank you for bringing this to our attention. We do not currently have a policy holder by that name at the address you have provided. I have reached out to the marketing team to see if they can assist in a resolution. If you get another letter and could scan it to me, we would be most appreciative. ******************
Initial Complaint
Date:03/30/2023
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On March 7, 2023, I was contacted by *********************** and a woman name ****** from this number **************. Representatives for the company regarding my free accidental death benefit provided by my union ******** in ***. I gave them my beneficiary information and they requested four family emergency contacts which I also gave them. They have since taken the emergency contact information that I gave them IN GOOD FAITH and have been rudely harassing them DAILY attempting to force them to take meetings with them to sell them life insurance. They are performing a phishing scam using information that was given solely as an emergency contact and not for any other purpose. What else are they capable of doing with this information! I want immediately this information wiped from my records and those individuals held accountable for their actions.
Business Response
Date: 04/10/2023
POLICY NY 0753680
The information that **************** received from her Union regarding the No Cost Accident Death Benefit would have indicated that the certificate of coverage would be hand delivered by one of our independently appointed agents. This allows our agents to review other products available thru our office. The agents also use this as an opportunity to received leads for future business contacts.
Our office apologizes that **************** contacts have been inconvenienced. We have reached out to the office of the general agent and requested that contact information be removed from their database.If she should receive further contact please have her reach out to me with that information.
******************
Initial Complaint
Date:03/02/2023
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.
In the year of 2016, National Income insurance company removed money from my checking account to make payments on policy #NY0538846 in the name of *****************************. I did not authorize payments for this policy. The Insurance Company refuse to refund me all my money back. I requested a copy of the authorization form to be sent to me, the signature on this form is not mine. National Income Insurance Company remove money from my checking account from ****************************************** getting all my money back. Very truly yours *********************
Customer Answer
Date: 03/08/2023
***Document Attached***
I called NILICO on 3/6/23 to cancel policy #NY0317858 in the name of *******************************,name is spelled wrong. The Company changed their name to ******** Income Life Insurance Company. In April of 2021 I made a request to NILICO not to remove any money from my checking account to pay for policies numbered NY0317858,NY0323805, NY0323804 and NY0538846, because paying for these policies is a hardship for me. I also informed the company that I don't have policy numbered NY0538846 and I did not authorized this policy. The Company ignored my request. The Company forwarded me 4 checks, 3 are in the name of ***************************** and 1 in the name of ********************* one check is missing. I'm attaching a letter to the company with my signature and copies of the checks. Thank you, **********************
See Attachment/File: 20230306_125847
Business Response
Date: 03/21/2023
Our office is corresponding directly with ********************* via email in an effort to resolve this matter.
thank you
Customer Answer
Date: 03/22/2023
(The consumer indicated he/she DID NOT accept the response from the business.)
I'm still waiting for a response from NILICO, I called the ********** and spoke to their Lawyer today, who is still waiting for a response from NILICO. The Lawyer stated that she will get back to me later today. Thank you.
Customer Answer
Date: 05/11/2023
No the matter have not been resolved. National Income Life Insurance Company refuse to send me, my money back to my checking account from policy number NY0538846. At this point, I'm looking for the right lawyer to help me get my money back. National Income Life Insurance Company terminated three of my policies in the name of ********************* and *************************, to make it look like they gave me my money back from this policy.
Customer Answer
Date: 05/19/2023
No the matter have not been resolved. National Income Life Insurance Company refuse to send me, my money back to my checking account from policy number NY0538846. At this point, I'm looking for the right lawyer to help me get my money back. National Income Life Insurance Company terminated three of my policies in the name of ********************* and *************************, to make it look like they gave me my money back from this policy.
Business Response
Date: 06/01/2023
Our office has surrender all policies which were drafted from ****************** account. The cash value was deposited directly to her bank account for Policies *******************, NY0323804, NY0538846.
Policy NY0317858 was surrendered by check on February 7, 2023. that check cleared our account on February 28, 2023. Please let me know if our office can be of further assistance.
Customer Answer
Date: 06/03/2023
National Income Life Insurance Company only sent $701.27 the surrender amount for policy no NY0538846. This policy was issued 4/2016 by NILICO without my signature. NILICO stole from me. The Company was removing about $282.13 a month for all policies including NY0538846, the amount of this policy is $100,000.00. The amount of $1540.00 was removed from my checking account without my authority by NILICO. I sent proof of my correct signature to BBB. I had taken out 6 policies with NILICO, the numbers are NY0323804, NY0323804, NY0317858, NY0317856, NY031757 and NY037859, these policies were issued in 2011, NILICO closed this policies. NILICO terminated *********************, policies NY0317856, NY031757 and ************************* policy NY0317859. NILICO added the money from all the policies, to make it look like the Company sent me my money back from policy NY0538846. I never received this policy NY0538846.
Customer Answer
Date: 06/07/2023
I am rejecting this response because: National Income Life Insurance Company only sent $701.27 the surrender amount for policy no NY0538846. This policy was issued 4/2016 by NILICO without my signature. NILICO stole from me. The Company was removing about $282.13 a month for all policies including NY0538846, the amount of this policy is $100,000.00. The amount of $1540.00 was removed from my checking account without my authority by NILICO. I sent proof of my correct signature to BBB. I had taken out 6 policies with NILICO, the numbers are NY0323804, NY0323804, NY0317858, NY0317856, NY031757 and NY037859, these policies were issued in 2011, NILICO closed this policies. NILICO terminated *********************, policies NY0317856, NY031757 and ************************* policy NY0317859. NILICO added the money from all the policies, to make it look like the Company sent me my money back from policy NY0538846. I never received this policy NY0538846.
Business Response
Date: 06/09/2023
Our office has previously advised ************** that payments were stopped on the checks issued to **************** were cancelled. The refunds were deposited directly to the bank account on file. According to ************** the bank account of file was hers. It is our position that she has received all premium refunds owed.
Initial Complaint
Date:11/30/2022
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 have a life insurance/accidental policy with NILICO. My wife, my son, and myself are all insured and covered on said policy. On January 5th, 2022 I suffered a back injury where I had a two day hospital stay and was out of work for 9 months. I filed a claim with them in regards to the injury on March 8th, 2022. As I am owed compensation from NILICO as a part of the accidental policy I pay for. It has been an ongoing headache from the start. The communication on their end is horrific. I call multiple times, as well as my wife and get no real answers on where my money is. When I initially called I got "it's still in review" called again a few weeks later "more documentation is needed". Sent in said documentation's and still no payment. We are now 9 months from date of initial claim and still have no answers. We get told "it's still in review". I still get billed every month for $100+, so they get their money but where is the money I am owed! Just got off the phone with them again today to be told the same thing again, it's still in review. The point is, I pay for the insurance, put in a claim, and I am not being paid what I am owed. It's false advertising, and theft in my opinion. I will be contacting the NYS Attorney Generals office about this matter as well.
Business Response
Date: 03/06/2023
Business Response /* (1000, 5, 2022/12/07) */ thank you for reaching out to us about the claim that has been filed. The claim is currently under evaluation. We anticipate have a final determination by the end of the month, and will respond accordingly. You are welcome to reach out to me directly if you have questions. [email protected]
Initial Complaint
Date:11/06/2022
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.
My husband and I have policies with NILICO. After my husband passed **** in May, I filed a claim in June. With the claim I also requested a name change on my policy and a form to update my beneficiary. They told me what to do and gave me the address where to mail documents and letter with all the information requested. I keep receiving letters for death certificate and not the other documents. Even after mailing out the death certificate overnight and someone by the name of Holifield went into the post office and signed for the overnight envelope with the death certificate in it. Yet, when I call the company they still have not received the death certificate. And as always they will make a note of it on my file which isn't there the next time I speak to someone. Last person told me a check was made but then cancelled because they didn't have the death certificate. Then why was a check written in the first place. And if they didn't get the first set of documents why when they ask for my name and I give the current one it is accepted and if they didn't get any of the death certificates that means they should be asking for all the documents and not just the death certificate? All of this is just suspicious and underhanded deceit. My husband was our family soul provider of our 14 year old and myself. Due to my health it is difficult for me to hold a steady job. This money was intended to pay for his funeral and to hold us out until other means of support came our way. But instead of being what they claim to be I get the run arounds. The funeral still isn't paid for and I can't pay my bills. So on top of loosing my husband, our life insurance company is making life more difficult instead of helping the situation. Policy number which a claim is filed for is NYXXXXXXX. We have been a loyal customer since 2013 and never had a problem. Any issues was resolved immediately, except now it is time to pay out in the policy and there are problems.
Business Response
Date: 02/10/2023
Business Response /* (1000, 5, 2022/11/18) */ Our office would like to thank Ms. ****** for reaching out to us regarding this matter. Based on the payable death benefit our office requires an original certified copy of the death certificate (DC). A letter was mailed on October 26th, 2022 advising this. It contained a return envelope for the certified death certificate to be mailed in. If it has not been received and/or the DC has not been mailed please mail it now to: American Income Life Attn: Life Claims Department P.O. Box 2608 Wasco, TX XXXXX Thank you
Initial Complaint
Date:11/05/2022
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.
We signed up for life insurance and then when we hit fmoney issues we called to cancel the policies as it was bills and food or life insurance. Spoke to a woman Oct 14th and she told us they would mail out a form for us to sign and send back. This form would be to cancel the policy and refund the first payment. 3 days later someone had called us and I explained we canceled and then the next day after that the money was taken from our account which put us negative and we got over draft fees. It is now Nov 5th and still no form. And no way to reach anyone to cancel or find out more information. Everytime I call say I want to cancel line disconnects.
Business Response
Date: 02/06/2023
Business Response /* (1000, 5, 2022/11/10) */ We appreciate the insured reaching out to us regarding cancellation of the policies. The policies were outside the examination period when the request for cancellation was made. As a courtesy we will cancel the policies as of the date of issue and refund premiums. Consumer Response /* (3000, 7, 2022/11/11) */ (The consumer indicated he/she DID NOT accept the response from the business.) We closed our bank account as we were having problems with our bank. we would like the refund to go our cash app or mail us a check. Cash app routing is XXXXXXXXX and cashapp account is XXXXXXXXXXXXX. Business Response /* (4000, 9, 2022/11/15) */ Checks were issued on November 13, 2022. thank you Consumer Response /* (4200, 11, 2022/11/16) */ (The consumer indicated he/she DID NOT accept the response from the business.) Received am email stating refund was sent to bank account on file but as stated many times that bank account was closed need to know if checks were sent out or what is going on before I accept the proposal Business Response /* (4000, 13, 2022/11/17) */ Refund checks were issued and mailed to the home address of the insured on November 13, 2022. We cannot add new banking information to a policy that has been cancelled.
Initial Complaint
Date:10/21/2022
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.
One of their agents called me to tell me that my policy is worth zero dollars after I have paid into it for 7 years. So I called the customer service phone number to cancel both policies. I usually get an agent pretty quickly and then they say they have to transfer me to the cancellation department. This is when I stay on hold anywhere from 40 - 85 minutes before the line abruptly disconnects. This company is scamming hard working people out of their money and they should be shut down.
Business Response
Date: 01/17/2023
Business Response /* (1000, 7, 2022/11/08) */ Thank you for reaching out to our office so that we can clarify the information that you received. Policy NYXXXXXXX was a Graded Term LIfe policy issued in 2015. Term policies do not accrue cash value, however They maintain their Face Value so long as premiums are paid. Policy NYXXXXXXX is an Accident policy providing benefits for injuries incurred during an accident. It is not a life policy would not accrue cash value. Your policies are no longer in force. They were issued as applied for and there is no basis for a refund of premiums. The policies can be put back in force by paying the past due premiums. *******@globe.life Consumer Response /* (2000, 9, 2022/11/09) */ (The consumer indicated he/she ACCEPTED the response from the business.)
Initial Complaint
Date:09/30/2022
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.
National income life refused to insure me because of an existing health condition, I filed an appeal, but coverage was still denied.. no big What I didn't fully realize is some of the additional coverage offered was approved, just not the actual life insurance policy. After an hour (63 mins actually) on hold, I was finally able to speak to someone about cancelling, guess it's not a top priority to help someone cancel a policy... The person I spoke with gave me a couple of cancellation numbers I would need to "complete" the paperwork. I was told the paperwork would come by mail or email, why they couldn't tell me which one specifically is a bit concerning. This has been about 2 weeks ago now, still no correspondance from National Income life. Needless to say, waiting on hold for another hour to inquire as to the status isn't something I'm looking forward to, will just pay the fee from my bank to stop payment.
Business Response
Date: 11/22/2022
Business Response /* (1000, 5, 2022/10/04) */ Our office reached out to Mr. ****** and confirmed that he wanted to cancel policies NYXXXXXXX and 66. both policies have now been cancelled.
Initial Complaint
Date:09/30/2022
Type:Customer Service Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I was on hold for over 3 hours, hung up on and transfered multiple times on 9/16/22 to cash out 2 policies I have had since 8/3/2010. It is an accident and also life insurance policy. When I finally spoke to someone I was told they would e mail a copy of a form I needed to sign and send back. I also asked for a copy in the mail in case e mail wasn't printable. It has been 2 weeks today and I have not received either one. My monthly payment of 63.73 for both policies was taken out of my account on 9/14/22 and I cashed out on 9/16/2022 and they have since then sent me a bill for $14.19 for my accident policy. I do have a letter stating that after 10 years my cash surrender amount on my life policy is $2116.63. Today is 9/30/22 and they are suppose to start at 8 o'clock at 8:45 and recording says call back during business hours and hangs up on you. Please help me get my money back from here. They have been taking my payments every month for over 12 years and I just want to be done with them They have the worst customer service I have ever encountered.
Business Response
Date: 12/08/2022
Business Response /* (1000, 5, 2022/10/04) */ Our office apologizes for the inconvenience that you have experienced in cancelling the policies. Our records show that the last premium drafted on each policy was initiated on 09.12.2022. Your request for cancellation was made on 09.18.2022. Whole Life Policy **XXXXXXX will be surrendered for the cash value. Please allow 7 business days for the transaction to complete. Accident Policy **XXXXXXX has been cancelled. It has no cash value. thank you Consumer Response /* (3000, 7, 2022/10/07) */ (The consumer indicated he/she DID NOT accept the response from the business.) The email the company sent to me did not mention my life ins policy or/and cash out. According to my contract the value after having it for 12 years is $2731.93. I will be satisfied once I have received payment. Thank you, ******* **** Business Response /* (4000, 9, 2022/10/12) */ Our previous response dated 10.04.2022 we indicated that policy **XXXXXXX would be surrendered for the cash value within 7 days. On that same date, a check was issued for the cash value in the amount of $2,785.34. The check is currently outstanding. Consumer Response /* (4200, 11, 2022/10/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have received another e mail now stating they have mailed me a form that needs to be returned to get my cash out for life ins policy. It has been almost a month and I have not received a form or my check. Business Response /* (4000, 13, 2022/10/14) */ The surrender check has been mailed as previously stated. If you have any policies other than **XXXXXXX-XX, please let me know. kk*****@globe.life Consumer Response /* (2000, 15, 2022/10/17) */ (The consumer indicated he/she ACCEPTED the response from the business.) I have finally received my check.

BBB Business Profiles may not be reproduced for sales or promotional purposes.

BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.

As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.

Cookies on BBB.org

Complaints

Customer Complaints Summary

If you've experienced an issue

Filter and sort by

Sort by

Complaint status

Complaint type

Complaint statuses

Customer Answer

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Customer Answer

Business Response

Customer Answer

Customer Answer

Customer Answer

Business Response

Customer Answer

Customer Answer

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

National Income Life Insurance Company is BBB Accredited.