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Business Profile

Insurance Companies

National Life Group

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Insurance Companies.

Complaints

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

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    Customer Complaints Summary

    • 84 total complaints in the last 3 years.
    • 34 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.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:09/15/2023

      Type:Product Issues
      Status:
      Answered
      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 did a cash surrender on my life insurance policy and the company said that I would have the money in 20 business days. I called them after 20 days and they said that they are very busy. Now it has been 40 days and I still have not received my check. All I want is my money.

      Business Response

      Date: 09/15/2023

      Due to privacy regulations and our own internal privacy policies, we will be responding directly to the complainant. Thank you.

      Customer Answer

      Date: 09/15/2023

      Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

      [You must provide details of why you are not satisfied with this resolution.  If you do not enter a reason for your rejection, your complaint will be closed as Answered.]

      Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.

      FAQ

      Regards,

      ********

       

       

      Customer Answer

      Date: 09/19/2023

      Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

      If I understand correctly National Life says my life insurance has been paid however I have not received a check for surrendering my policy. 

      Business Response

      Date: 09/21/2023

      Due to privacy regulations and our own internal privacy policies, we will be responding directly to the complainant. Thank you

    • Initial Complaint

      Date:08/14/2023

      Type:Product Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I signed up for a life insurance policy in Oct 2022. when looking into the account to try and access money since i was missing 2-3 weeks o work due to a surgery i was having, I saw there was only approx $1100 of $2000 i had put into the account. i found out i was not eligible to take out any money for this sick benefit so I decided to close my policy. it was then they informed me of a surrender charge in excess of $2400 and that i will be surrendering the $1100 + that was left in the account. money i was hoping to pay my rent with while i was recovering from surgery.

      Business Response

      Date: 08/14/2023

      Due to privacy regulations and our own internal privacy policies,we will be responding directly to the complainant. Thank you.

      Customer Answer

      Date: 08/16/2023

      Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

      [You must provide details of why you are not satisfied with this resolution.  If you do not enter a reason for your rejection, your complaint will be closed as Answered.]

      Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.

      FAQ

      Regards,

      *****

       

       

    • Initial Complaint

      Date:08/08/2023

      Type:Product Issues
      Status:
      Answered
      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 did a cash surrender on my life insurance policy and the company said that I would have the money in 20 business days. I called them after 20 days and they said that they are very busy. Now it has been 22 days and I checked with my bank and it still has not arrived. All I want is my money and it should not take this long for any business to send money electronically to a bank.

      Business Response

      Date: 08/10/2023

      Due to privacy regulations and our own internal privacy policies, the Company will be responding directly to the complainant.

      Customer Answer

      Date: 08/10/2023

      Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

      [You must provide details of why you are not satisfied with this resolution.  If you do not enter a reason for your rejection, your complaint will be closed as Answered.]

      Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.

      FAQ

      Regards,

      ********

       

       

    • Initial Complaint

      Date:07/28/2023

      Type:Service or Repair Issues
      Status:
      Answered
      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.
      For the past 2 months, Ive been trying to close my account and have my funds returned to me from National Life Group. For the past 2 months, I have been told excuses as to why I cannot have my money returned to me.

      Business Response

      Date: 08/01/2023

      Due to privacy regulations and our own internal privacy policies, we will be responding directly to the complainant. Thank you.

    • Initial Complaint

      Date:07/19/2023

      Type:Service or Repair Issues
      Status:
      Answered
      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 purchased a 10-year term life insurance policy so I would have coverage to pay off our home if I were to pass away. I was told (and signed) and agreement that the term policy would ONLY last ten years and then it would end. I paid for ten years the $67 monthly premium. Then, after the ten years, I noticed a $354.90 withdrawl from my account. When I called to question, I was told it had "converted" to a new policy and had a new monthly total. I did NOT sign ANYTHING agreeing to this. I had a term policy of ten years. End of story. When I asked for the premium to be returned, they stated I was only eligible for $7.00 to be refunded. What is going on? How is this legal or even right? I did NOT agree to this and I notified them as soon as I noticed the withdrawl from my account. They have never (obviously) paid out ANYTHING on me for the ten years I paid the agreed upon rate. I need this to be resolved ASAP and my money that was wrongfully withdrawn from my account returned IN FULL.

      Business Response

      Date: 07/20/2023

      Due to privacy regulations and our own internal privacy policies, we will be responding directly to the complainant. Thank you.

    • Initial Complaint

      Date:06/27/2023

      Type:Product Issues
      Status:
      Resolved
      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 contacted by an agent and I dont want to reveal his name here though I have the complete information. He was explaining about this "Living *************** and a simple question I asked was, will I be able to withdraw the money that I put whenever I want. For which he answered Yes. After 10 months, I did not want to continue with this insurance so I contacted the agent to cancel the policies(I took for me and my kid). Upon canceling he said I will be getting nothing. I had put $3940 in total. I asked him if he had lied to me about getting my money any time I want for which no answer from him. Instead he mentioned that the policy will be cancelled and the coverage will be for next couple of months. I felt like I was cheated. Also, I know this guy has been preying on people in the known circle and has been hearing about that this guy treats them badly if insurance policy is not taken. I lost total of $3940 and couple of days of loosing the mental peace. I would like to check with the business if I can get refund for my policies and also report these kind of agents.

      Business Response

      Date: 06/27/2023

      Due to privacy regulations and our own internal privacy policies,we will be responding directly to the complainant. Thank you.

      Customer Answer

      Date: 06/29/2023

      [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

      Better Business Bureau:

      I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

      Regards,

      Priya K

    • Initial Complaint

      Date:06/09/2023

      Type:Product Issues
      Status:
      Answered
      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.
      Only engage with this company if you feel as though you would enjoy being preyed upon, lied to, manipulated, gaslighted, and lose thousands of dollars due to misrepresentation of policies.In autumn of 2020, during the pandemic, I received emails to my work email offering me a curtesy review of my retirement benefits. In hindsight, I was foolish to accept this offer and scheduled a meeting, thinking I was making a good decision.I spoke with an agent for a long time on the phone after they reviewed my state retirement and proceeded to sell me on what they referred to "ways to supplement my retirement income". I was given two choices "based on my good credit". Having little to no idea, and entrusting the agent I was working with, I signed up for the policy that had the larger outcome at retirement age, which happened to be life insurance.Many claims were made which led me to sign the application and then the policy: the agents constant reassurance that this was highly beneficial (a single woman, mind you) and the option to cancel without a buyout/fee. I received my annual review a year later was in complete shock. I contacted the agent for them to explain and was met with nothing but lies and manipulation. All the information I was given in the beginning when I was conned into signing the policy was repeated back to me with huge emphasis on my money being "mine" and the ability to take my money out with no negative consequences. I (again, foolishly) chose to stay and "have my money grow" with the only change being lowering my monthly contributions.Upon review from another agent in 2023, I was told I was being scammed. Sure enough, I am told on the phone of surrender charges and how my policy has no value at this time. I filed a complaint and am being told because most interaction was over the phone and with no recordings, there is "no proof". I am absolutely devastated at my situation and extremely disappointed in the way that this company conducts business.

      Business Response

      Date: 06/13/2023

      National Life Insurance Company and/or Life Insurance Company of the Southwest has received communication through the BBB. Due to privacy regulations and our own internal privacy policies, the Company will be responding directly to the complainant.

      Thank you.

    • Initial Complaint

      Date:06/09/2023

      Type:Customer Service Issues
      Status:
      Answered
      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 a roll-over request for my funds last year - July 2022. The company takes a long time to respond to requests and will move you from department to department. They had me going back and forth for months and will give me incorrect information. All of my paperwork is in order for this rollover to happen, but they continue to stall.

      Business Response

      Date: 06/14/2023

      Due to privacy regulations and our own internal privacy policies, we will be responding directly to the complainant. Thank you.

      Customer Answer

      Date: 06/14/2023

      Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. 

      The business said they will contact me in their response. They have not contacted me. 

      I have called them several times asking for someone to call me back and they have not. 


      Regards,

      ********

       

       

      Business Response

      Date: 08/01/2023

      Due to privacy regulations and our own internal privacy policies, we will be responding directly to the complainant. Thank you.

    • Initial Complaint

      Date:05/30/2023

      Type:Billing Issues
      Status:
      Answered
      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 opened an annuity account and have carried it over through several different school districts. Now I want to close it because it isn't earning anything - literally less than two dollars over the past year and the company wants to charge me over $1700 which is more than I have made with them. This is theft. They've done nothing to warrant charging me over $1700 which is causing me to lose my hard earned money. I wish to cut ties with this business and get my money back without them stealing from me.

      Business Response

      Date: 06/01/2023

      Due to privacy regulations and our own internal privacy policies, we will be responding directly to the complainant. Thank you.

    • Initial Complaint

      Date:03/08/2023

      Type:Sales and Advertising Issues
      Status:
      Answered
      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.
      ******* from National Life group quoted me a price for Life insurance. He came back with a much higher price and I told him I can not afford it and I did not sign any agreements. The company then begin to withdrawal automatic payments for the higher price that I told them I couldnt afford. Now it has been since Jan 20th that they still have not refunded any of my money they took.

      Business Response

      Date: 03/09/2023

      National Life Insurance Company and/or Life Insurance Company of the Southwest has received communication through the BBB.  Due to privacy regulations and our own internal privacy policies, the Company will be responding directly to the complainant.

      Thank you.

    National Life Group is NOT a BBB Accredited Business.

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