ComplaintsforAmerican Amicable Life Insurance Company of Texas

• Initial Complaint

  07/14/2022

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Resolved

  More info

  I was tricked into thinking it was a Retirement Counselor I was talking to because that's what I had been looking for. I even thought that she worked with my job. She stayed on the line with me and went through my social security and retirement and I explained that I was in debt. She finally pointed me to a life insurance policy that works as an *** account she said, but I can withdraw money that I put into it at any time. I even asked her that after the first $200.00 if I would be able to withdraw that soon or if I would have to wait and she said I would be able to withdraw it after a little while. I did not receive paper work on the account until a few days later and I didn't even know the company that she signed me up with. I was busy and never got back to it. When I finally had time to look at the account and see how much of a nest egg I had built up I realized that they were only putting about 5% percent of *********** into the *** account. By this time I had already put in around $2,400.00 and my *** account was at $130.00. I tried calling ***************************** and emailing her before this to find out about the account but no response. As I looked on the paperwork for the company, there was her name, she was working solely for this company and was not a retirement specialist at all. It is on automatic withdrawal so by the time I can cancel there will have been around $2,800.00 that I put in to this account. If I could, I would like to see most or all of that money back.

  

  Business response

  08/08/2022

  In the interest of customer satisfaction, we have cancelled the policy as of the original issue date. Check has been mailed which represents a refund of premiums received.  Attached is a copy for your review.

  Customer response

  08/09/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Regards,
  
  *******************************

• Initial Complaint

  07/13/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  My mother had a policy with them, she past on the 22nd of May, claim was filed by the funeral home on the 4th of June. The funeral home was paid from the claim a month ago. The balance of the policy is $1900 and should have been sent to me. I've called several times and was told that the check was sent out on the 25th of June. I was also told that since I hadn't gotten it that they weren't going to do anything for 30 days. I feel as though they are just holding it as long as they possible can. It's disrespectful to our family as we continue grieving the lost of our mother.

  

  Business response

  07/13/2022

  Response from ***************** is attached. 

• Initial Complaint

  06/13/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Hello my mom took insurance out with this company. And was told they pay from day one insurance starts. Well unfortunately my mom passed away. And now.they are giving me a hassle to pay.

  

  Business response

  06/27/2022

  Please see attached response. 

• Initial Complaint

  05/05/2022

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I purchased Life insurance with this company through a sales agent. After almost two months I have no paperwork on policy, yet payments keep being withdrawn from my checking.After @ 24 e-mails to the salesman I still haven't received or heard anything since April 26th. I called the actual Insurance company American*Amicable Life Insurance *** at ************ and explained my issues and was told my auto draft would be stopped. I was also told that I should hear back from my agent, and that the policies would be sent out I should receive them in 7 to 10 business days Look them over, but you and your husband are covered. After looking at my bank account May 4th, 2022, I see where the money has once again been drafted from my account. So once again I called American -Amicable and was told basically the same thing as the week before. The auto draft was removed and that I should receive the policies and once I review them and sign all will be fine. I have both calls recorded. The one difference this time, I told them I needed and wanted my monies refunded immediately and was told I would receive a cancellation form in the mail. It needed to be signed, with the copy of my bank statements showing the two months they were paid. How can you cancel something you have No proof you own? And why am I to sign a cancellation to something I have no proof I purchased? I just want my money back and get the policies to see if I want them, but I am now wondering the legitimacy of the whole ordeal.

  

  Business response

  05/16/2022

  Ms. **** applied for and was issued a $8,797 Senior Choice whole life insurance policy that was issued April 3, 2022.  ************** policy contract was mailed directly to her address on March 23, 2022.  Ms. **** called our office on April 27, 2022, advising that she had not received her policy contract.  She was explained the free look period and another policy was mailed May 3, 2022.  On May 4, 2022,Ms. **** called that we were to stop the drafts per her call April 27; however,we had no record of that request.  She was advised that another copy of the policy was mailed to her; however, she requested cancellation and a refund.  We then mailed and our emailed our Policy Cancellation form to be completed and returned for the refund.  We are unclear why Ms. **** is not receiving her policies as they were mailed to the address she has provided and have not been returned to our office by the Post Office.

  Customer response

  05/25/2022

  I have not received any of my money back and feel until I do. I do not want to close this case. I had a call to American Amicable yesterday. They said they received my cancellation but wasn't reassured about getting a refund.

   

  

  Business response

  06/02/2022

  Both refunds were processed and checks went out yesterday, 6/01/2022

  Refund for policy ********** is $60.00
  Refund for policy ********** is $93.38

   

  Customer response

  06/02/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Regards,
  
  ***********************

• Initial Complaint

  05/02/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Hello I am *********************. I am ***************************** son. American-Amicable Life Insurance Company of Texas was my mothers's insurance company for 11+ years. She was paying a premium of $35 per month with her Disability Monthly Check. On February 4th 2021, The company took out $234.91. My Mother did not know where that payment came from so she disputed it with her bank. She got back the money, and no more than 11 days, American-Amicable Life insurance without no phone call or anything, cancelled her Insurance. Her phone number has been the same for 7 years out of the 11 years she had that contract with the company. I would think a represenative would of contacted her about the premium change, but instead a mailing was sent out to her Sisters house in which my Aunt has a bad memory situation of her own, and put all mail in relation to her sister in a pile. On December 27th 2020, AALI sent a letter not to her current address of ******************************************************************, but to her sisters house of 19 **** 24 **. Explaining that the premium will change from $35 to $234.91. A big change for a woman who has been diagnosed with Severe Anxiety, and COPD in my opinion. Since then, in July of 2021, My mother ************************* has been diagnosed with COPD Final Stage, and has been put into Hospice. No insurance company will take her now because she is in Hospice. I think American-Amicable Life Insurance of Texas should pay out her Insurance contract minus the adjustment that she was to pay. Any doucment needed please feel free to call her or email. I am caregiving for her, and she still has the same number she has had 7 out of those 11 years they took money out of my mothers monthly check faithfully.

  

  Business response

  05/10/2022

  *************************** applied for and was issued a 10 Year $70,000 Easy Term life insurance plan issued February 24, 2011.  The policy contract does specify on Page 3 that the premiums are level for the first 10 policy year.  After the 10 policy years, the premium will increase each year until the expire date. The premiums after the 10 years are shown in the Table of Guaranteed Annual Premiums on Page 3B of the policy.  On December 27, 2020, the enclosed letter was mailed to ************** advising of the premium increase in accordance with her policy contract.  On January 12, 2021, the enclosed was mailed to ************** providing information on converting her term plan to a permanent whole life plan. This information was never received back in our office.  On March 3,2021, we were contacted by ************** requesting cancellation of her policy and requesting the February 24, 2021, premium to be refunded.  On March 3, 2021,we received the enclosed completed Policy Cancellation Form, and the policy was cancelled effective February 24, 2021. Our letter confirmed this and advised that the last draft from her account would be refunded to her once it cleared the normal banking channels.  On March 11, 2021, we were notified by the bank that the draft was being return unpaid marked Not Authorized.  Forms were mailed to ************** to consider the reinstatement of her policy on August 10, 2021.  Upon receipt of the completed reinstatement application, Ms.****** request was sent to our *********************** of conidiation for reinstatement.  The reinstatement application request was declined due to information provide on the reinstatement application.
  
  This policy was cancelled per Ms. ****** request and all information regarding her policy has been mailed to the address she has provided.

  Customer response

  05/11/2022

  Complaint: 17127851
  
  I am rejecting this response because:    

  
  

       Could you provide the letter that was sent to ************** on December 27, 2020?  Also, im sure after 10+ years of service, a phone call should have been provided to ************** in regards to changing of her Premium even though it was stated in the original contract on Page 3.  ************** provided information saying she never recieved a renewal policy form on December 27, 2020, but her health has been in decline, and her memory was not as adequete as per 10 years ago in said beginning poloicy.   Could you also specify the reasons of your denial of a reinstatement application.  You would figure after 10 years after promptly recieving her money every month, then all of a sudden she's bombarded with this change while dealing with her health decline, we could get the benefit of a doubt that maybe she was acting alone, and not with the guidance or assistance of her Siblings, and or her Sons.   I still think a phone call should have been provided to ************** after 10 plus years of service provided. 
  

       
  
  Regards,
  
  *********************

  
  Sister of *************************

  
  

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

  
  

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

  

  Business response

  05/16/2022

  Attached is a copy of our letter dated December 27, 2020 advising of the premium increase.  We have also attached a copy of our letter why the reinstatement application requested was declined.  If ************************* wants the specific health reason why she was declined, that request must be sent to us in writing signed and dated by her.
  
  

  Customer response

  05/17/2022

  Complaint: ********
  
  
  I am rejecting this response because:
  You did not send any of the information I requested. I want the letter you sent warning her off her increase back in December 27th 2020
  
  Regards,
  
  
  *************************

  Customer response

  05/17/2022

  You did not send any of the information I requested. I want the letter you sent warning her off her increase back in December 27th 2020

  

  Business response

  05/18/2022

  The letter was in first attachment labeled ************************* BBB Response. It is first page. I have attached it again. 

  Customer response

  05/23/2022

  Complaint: 17127851
  
  I am rejecting this response because:

  
  

    Hello, 

       They never sent the original December 27th 2020 mailing to ***************************** mailing address which is: 

  
  

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

  19 ************** 

  Apt 7

  **********, ** 19802

  
  

  So therefore, she never received any information pertaining to an increase of almost $200 in her insurance premium. Keep in mind that during that time she was going thru medical changes, along with severe Anxiety she might of assumed the $234 that was taken out her account suddenly could have been fraudulent because she has dealt with situations. Also, for a consumer that has faithfully paid her monthly **** for over a decade to only get 10 days to decide about their future without no phone call seems pretty ignorant, and I know other Insurance companies do not handle their customers like this. I can also assume that this insurance company has probably RED FLAGGED her with other companies of not working with her to get a new insurance.   
  
  Regards,
  
  *************************

  Customer response

  05/23/2022

    Hello, 

       They never sent the original December 27th 2020 mailing to ***************************** mailing address which is: 

  
  

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

  19 ************** 

  Apt 7

  **********, ** 19802

  
  

  So therefore, she never received any information pertaining to an increase of almost $200 in her insurance premium. Keep in mind that during that time she was going thru medical changes, along with severe Anxiety she might of assumed the $234 that was taken out her account suddenly could have been fraudulent because she has dealt with situations. Also, for a consumer that has faithfully paid her monthly **** for over a decade to only get 10 days to decide about their future without no phone call seems pretty ignorant, and I know other Insurance companies do not handle their customers like this. I can also assume that this insurance company has probably RED FLAGGED her with other companies of not working with her to get a new insurance.   
  
  Regards,
  
  *************************

  

  Business response

  06/01/2022

  There is nothing further to address. 

  Customer response

  06/02/2022

  
  
  Complaint: 17127851
  
  
  I am rejecting this response because: oh I see how it is. You got *************** who was 54 at the time black guy bubble me up to get a 10 plus year contract then he gets fired no more than 4 months afterwards. And now you're just saying basically f me there's no more to discuss your mom's going to die with no help. God bless you and I wish you well but I don't accept
  
  
  Regards,
  
  
  *************************

• Initial Complaint

  04/29/2022

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  I was contacted by *************************************, representing American Amicable insurance regarding taking out insurance to pay for my home and other expenses if I were to die. I agreed and gave the necessary information to get the process started as well as information to debit my checking account, with an understanding I could cancel the policy if I was not satisfied. Once the policy came and I looked it over, I saw the amount was much less than what ************** and I discussed. I contacted him and he told me that was all I could qualify for due to my health situation. At that time I told ************** I wanted to cancel the policy. He tried convincing me to keep the policy, saying something was better than nothing. I told him I had a life insurance policy with my job that was a portable policy. He told me I needed to check that to make sure. I told him I didn't need to check it, I knew what I had at work and I wanted this policy canceled. It took a long time but he finally agreed to cancel the policy but told me he may not get it canceled in time to prevent the first draft from coming out of my account. I told him that was okay as long as the policy got canceled. I shredded the policy to prevent anyone else getting information from it. I recently learned ************** never canceled the policy and my account has been debited for the premium since November of last year when the policy was supposed to have been canceled. When I spoke to **************, he played dumb and said "I thought you were checking your policy at work". I was furious with him and told him he knew that was a lie, that the policy was to have been canceled. I have filed for an investigation with my bank, and am filing a grievance with American Amicable Insurance in Texas. I want my money back for the drafts removed from my account when I thought the policy was canceled. He lied to me and others should know how shady he operates.

  

  Business response

  05/10/2022

  ************** applied for and was issued a $17,976.00 Dignity Solution whole life insurance policy that was issued November 5, 2021.   Upon receipt of the complaint, the writing agent ********************************* was contacted and provided the below statement:
  
  I contacted ************** via phone and we set an appointment for 11/4/2021. During our appointment, as is customary with every family that I sit with, I began with an explanation of the concept of mortgage protection and what it can potentially do for a family.I explained that there is full mortgage payoff, partial mortgage payoff, as well as equity protection. Further, I detailed that once I re-verified the health information that she had provided, filled out a quick financial information form detailing mortgage, expenses, etc., that her job would then be to pick the plan that best fit within her budget based on what we could get her qualified for in the process. Upon verifying her health and walking through the **** and per our discussion of her intentions, equity protection would make the most sense for her. I then conversed with her about how much time she felt would be sufficient for her family to not only be able to grieve but also put the home on the market since she stated that her concern was making sure the equity proceeds went to her grandchildren. I presented ************** with the options of 12,18, or 24 months of mortgage payments. ************** selected 24 months of mortgage payments. Her mortgage payment was $749; with the selection of 24 months, that equated to a face amount applied for of $17,976. I verified with her that she felt comfortable with this selection and that it fit in her budget. As a measure of due diligence, I completed an online risk assessment before proceeding with the application because I had some questions pertaining to health and was unsure if we could apply for the immediate death benefit.Risk assessment returned with the answer of applying for return of premium. I explained to ************** the difference between Immediate, Graded, and ROP to ensure she was still comfortable, and then we proceeded. The application was completed and signed by ************** in home, with every awareness that the face amount of her policy was $17,976, the equivalent of 24 months of mortgage payments. The policy was signed 11/4/2021 and issued 11/5/2021. I did not hear from ************** again until 12/15/2021, which would have been after her 2nd premium had already been due. In talking with her, she spoke about not wanting the policy because it wasnt enough to do anything for her and that her work policy was way more than that amount. I brought up our conversation in the home and asked her what had changed, because the face amount of the policy was what she had selected based off of what made her feel comfortable both budget wise and to fit her intention with the home for her family. I told her that she had already been drafted for the month of December and I asked her to please check her work policy and be completely sure of what she wanted to do because she had time before the next premium was due. She said she would check but she was sure of what she had. I told her after she verified her work policy, to call me if she was still set on canceling the policy and I would try to help her with that process. I heard nothing from ************** after 12/15/2021 until her less than cordial phone call late last month. During that call I restated exactly how the conversation was left the last time we spoke, to which point I was called several names before she ended the phone call. I hope this statement clarifies the matter at hand, and if there is anything further that I need to do, please feel free to reach out.
  
  Best Regards,
  
  *********************
  Field Underwriter | Broker

  
  It the interest of customer satisfaction, Ms. ****** policy has been cancelled as of the original issue date and attached is a copy of a check being mailed.

  Customer response

  05/13/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. However, ************** was not truthful in his response and I think the company he represents should know that. 
  
  Regards,
  
  *************************

• Initial Complaint

  04/18/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I have a 10,000.whole life policy for about 2 1/2 years. I have requested a copy of my policy 7 times, each time they said they had to send a letter for me to sign and return to get it. Not once have I received the letter, and they were different addresses so no way it's been lost 7 times. I'm very concerned that if they won't even send that, how well will they pay or if they will when I die.,

  

  Business response

  04/22/2022

  I have attached a copy of all of the documents that have been sent to **************** since the policy was issued. I am unclear why **************** is not receiving her mail but I am sending the documents when she is requesting to the address she has provided.

  Customer response

  04/22/2022

  Complaint: 17047244
  
  I am rejecting this response because: I have not received even 1 of these documents, and I always have my address current with company.
  
  Regards,
  
  *************************

• Initial Complaint

  04/08/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I had an insurance agent come to my high rise and wanted me to sign up for insurance. I told him that I wanted to talk with my cousin first before I giving him the ok. He said no problem, and to give him my bank information and sign the form. He said by doing that, I can just call him and he will put it through if I wanted to go with them or he would tear up the documents. This started in October. In December, I received my bank statement and they had taken out $67 per month without my authorization. I tried calling my agent but I have not been able to reach him. They charged me for ******* also. I called and had them cancel but they are not wanting to refund my money.

  

  Business response

  05/03/2022

  In the interest of customer satisfaction, the policy has been cancelled as of the original issue date.  Enclosed is a copy of the refund check that is being mailed. There is no coverage in force...

• Initial Complaint

  04/07/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  In February 2022 I received notice that my life insurance policy had lapsed due to non-payment. I was told I was sent a letter in December that stated my rate had been increased . 1. I never received the letter. 2. The company receives a government allotment EVERY month that more than covered the increase. The company, American Amicable failed to apply my funds properly and now I am having to jump through hoops to get my policy reinstated. I have phoned, emailed, written letters, phones some more, sent more money and done a lengthy interview, March 30,over the phone. Today, Apr 6, I received a letter stating that I had to do another interview. I called, explained my situation and was disconnected. This policy never should have been cancelled and the company messed up but I can not get them to straighten it out and I am totally frustrated and fed up. I feel I must get an attorney. Policy number 006G326432.

  

  Business response

  04/08/2022

  On October 3, 2021, a letter was mailed to Ms. *********** advising that the premium for insurance policy was increasing from $15.00 to $29.00 to contact her finance center to increase her allotment by $14.00.  When the allotment was not increase a follow up letter was mailed December 2, 2021, advising the allotment had not increased that if it was no increased by February 1,  the insurance would terminate because the allotment being received for this policy was no longer sufficient.  When the allotment was still not increased, the policy lapsed.  We have attached copies of the letters that were sent.
  
  We feel we provided Ms.*********** ample notification in advance to make the needed changes to her allotment to conserver her policy; therefore, she was required to complete a reinstatement application and be reviewed by our *********************** for consideration of the reinstatement of her policy.
  

  Customer response

  04/08/2022

  Complaint: 16992513
  
  I am rejecting this response because: The total, I was told, for both my insurance policies came to $59 with the increase.  My payment allotment is $99.45 which more than covers the $59.  I don't know what they did with all the extra money but it should have been used to pay my premiums.  THIS IS THE MAIN POINT.  They had more than enough money to cover the increase, which I never received notice of.  THEY misapplied my funds.  I am no mathmatician but I know that $99 is more than enough to pay $59.  What the heck did they do with the extra money?  I never gave permission for anything but policy payments.
  
  Regards,
  
  Myrean Springfield

  

  Business response

  05/10/2022

  Please see attached

• Initial Complaint

  03/23/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  In May of 2021 I took out a $40000 life insurance policy with American Amicable Life Insurance . They deducted $172 out of my checking account and before the policy was effective I received a letter cancelling the policy but never received my money back. They have *** taking the premium out since May and I just put a cancel payment on the amount. In speaking with ******* at the company she states she does not see the letter. The policy was still in effect but for $19000 not the $40000 we requested. I would like to get the money back. I would never pay that much for such a cheap policy.

  

  Business response

  03/24/2022

  
  This is in response to the complaint filed in your office.  ****************** applied for and was issued a $19,,672 Senior Choice whole life insurance policy issued that was issued May 18, 2021. Enclosed is a copy of the signed life insurance application with related forms and policy contract that was mailed directly to ****************** for your review. 
  
  We are unclear why ****************** thought the policy was for $40,000 since the application indicated $19,672 and the policy contract that was mailed directly to him confirmed this.  We are also unsure who ****************** received a letter from indicating this policy was cancelled as a copy of this letter has not been provided to us for review since we have not mailed any letters to ****************** since his contract was mailed to him until March 22, 2022.  On March 22,2022, Mr. ******** wife called our office regarding cancellation, at that time we mailed our Policy Cancellation form to ****************** to be completed and returned.

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