Customer ReviewsforAmerican Income Life Insurance Company

Got the policy a couple years ago. Tried to make a claim since I was out of work for an accident, Would not honor the claim, Said it didn't meet the criteria for reimbursement. Have been trying to cancel the policies for over 2 months. Keep getting the runaround. First they say its canceled and I wont be charged. Then I get charged and told it wasn't canceled. Then I need to send in more signed paperwork to cancel it. They only cancel part of the policy. Next thing I know I am getting a letter stating they will be opening a loan to help cover the cost of the policy even tho I canceled it. This company is the biggest scam. Don't do anything business with them.

*****, we are so sorry to learn of your experience with AIL and take claims of this nature very seriously. We invite you to send us an email to ************** with more policy and agent details so that we can investigate this matter. We apologize for the inconvenience this has caused.

I was told I'd be able to get all money back if I ever wanted to cancel and that I would have to go through another call to finalize the application before any charges were made. I didn't have any time to contact them back for the calls and to say that I didn't want the service anymore due to going through a divorce and needing to get everything ready to move while also needing to get adjusted to working OT. While at work, I noticed I got an email stating everything was finalized and I had a charge come out of my account. I contacted ****** to try getting things figured out - for him to have ***, his manager that sounded a lot like him, try to convince me to only drop the price down despite me saying I need to spend hundreds more on child support than I expected - more than the amount the insurance was going to cost and told me that ****** didn't tell me the truth and that the first payment can't be refunded. It just got charged less than an hour ago and haven't used any feature or even signed into the account. I don't see how I can't be refunded the $113 when it shouldn't have even been able to be charged yet, since I never spoke to the second ****** to finish the application. Such a scam.

*******, we are so sorry to learn of your experience with AIL and take claims of this nature seriously. The situation you described is not indicative of the way we do business, and we apologize this was your experience. We invite you to send us an email to ************** with more agency location details and any other relevant information (including this review) so that we can investigate this matter. We're sorry again for the inconvenience this has caused you and look forward to hearing back from you soon.

I opened my policy just shy of a year ago and life got really Hectic so I paid my premium and didn't look into the policy much however during open enrollment, I decided to get more life insurance through my company and cancel my policy with this American income life insurance while looking for my policy number and emails I saw that there was a recent email that came to me with another lady's name on it. We have the same first name after further review I saw that there were two Policies on My Account one mine one hers when I sent an email asking about the status of the cancellation & why this person was on My Account the response only came about the closure of the account. so I made a phone call and explained the situation. The representative told me that they could not find a policy under the policy number that I provided which is in an email from them when I asked to speak to a supervisor she transferred me to a recording. I hung up and called back. I explained to the representative I did not want to be transferred to a recording, but I actually wanted to speak with a supervisor. I would want her to get them on the phone and transfer me directly to them she told me OK hold on and sent me back to the same voicemail. I hung up the phone and tried to call back. however there was a message saying the company was closed. It was 5:31 PM Eastern time and the company does not close until 6 PM. I have sent another email. It will be my final email requesting additional information before I have to take legal action for fraud on my account. When I tried to access the online account again to try to dig for more information on her, they had blocked my access. I think it is worth noting that my cancellation had been completed about 7 to 10 days prior to this. I was able to still access the account after the cancellation However, after asking about this person my access was shut down

******, we're very sorry that we didn't provide the service that you expect and deserve. Customer satisfaction is a top priority for AIL and this lack of service you experienced is unacceptable to us. Please email us your name and details of your experience including your policy number, and the best number and time to reach you to ************** or call us directly at our ******************** number **************. Were sorry for the inconvenience this has caused you and look forward to hearing from you soon.

I have had it with this company. They will call you incessantly saying they need to talk to you about important changes to your policy. All they want to do is upsale you more insurance. They will continue to call until you answer the phone and will call you every few days. You get a different agent trying to speak to you. I am so aggravated with the phone calls, I am cancelling my current policy - if they will do it. I tried to cancel a different policy and told agents repeatedly, but they just let it rock on until any cash value was used to pay for premiums.

We apologize for this excessive contacting issue. The experience in your review is not indicative of the way we do business at AIL and we apologize that this was your experience. Please send us any additional information you have, (along with this review), your name, the agents name, and your phone number to ************** and indicate you want to be placed on our "Do Not Contact" list. We're very sorry for any inconvenience this has caused you.

If I could give less than 1 star I would. I have never in my life had such a horrible experience with a company. This company has engaged in questionable business practices and are harassing stalkers. They call back to back to back to back to back all day long for days at a time. They do not leave voicemails. People well WORK during the day and first and foremost are not available to speak just because you are. Secondly leave a vm and if folks WANT to talk to you they will call back. If not, leave them be. The fact you call 6-8 times a day every day is literal harassment. I cancelled auto draft and they withdrew funds a month later which I had to dispute through my bank because they ignored my email. Tried to tell me I had to have a meeting to cancel my policy. Um no, that's not how life works. That's a sad attempt to try to hold you hostage. I completed cancellation forms and sent them in weeks ago and just got new cancellation forms to complete and remit. I have scanned copies and will send them in AGAIN this week via certified mail. If my policy doesn't get cancelled this time, I have everything I need to take this horrible company to court. I will walk away with more than what I have paid in premiums rest assured. DO NOT EVER USE THIS COMPANY.

*****, we are so sorry to learn of your experience with AIL and take claims of this nature very seriously. We invite you to send us an email to ************** with your city and state, any agents' name and number that have contacted you along with any other details that weren't included in this review so that we can investigate this matter. If you would also include this BBB review that would be helpful. We apologize for the inconvenience this has caused you and look forward to hearing back from you soon.

Horrible service. From the start to the end. As American citizens we are already overwhelmed by low wages, inflation, crime, homelessness, the migrant crisis; and companies like this run rampant with their scams and schemes. It began with a scammy agent who sold me a policy which was not a good fit for me ( in order to get more monthly premium and a higher commission). 3 years later I decided to find out more about the details of my coverage, and a new agent (from a different agency) explained to me that the coverage I have is not a good fit. It was a 10 year paid up policy, and ideal for someone who is sickly and dying. With the help of this new agent (who was not associated with this company) I was able to lower my monthly premium by $50; and get the coverage I needed, which mainly was the death and burial benefit. So I cancelled the policy with AIL and get a confirmation. I requested that the surrender amount (once the policy is surrendered there is a payout amount) to be credited to my bank account. A week later, I get a letter in the mail with a bill for $134. Thankfully, I had time to follow up and find out why they were sending me a ****. The woman on the other end said 'oops, sorry; you don't owe that bill." ***? I want to make clear the loss of $50 monthly doesn't bankrupt me...but once again its the principle. Its not fair or right to consumers. Do you wonder why we as consumers are afraid to answer a phone call, respond to an email, or let someone come to our door with a sales pitch? Seems there is deception and thievery on every level from top to bottom. Watch your back; this is ridiculous.

*******, we are very sorry to learn of your experience with AIL and take claims of this nature seriously. Your situation does not represent the way we do business, and we apologize that this was your experience. We would like to address this situation but need a few more details from you. If you could send us an email to ************** with your name, policy number(s), all the information in this review plus any other agent/agency details, phone number, and the best time to call and we will have a supervisor contact you. We apologize again for the inconvenience this has caused you and look forward to hearing back from you soon.

So far, I'm ok with this company. My Agent ******* ****** was very helpful

Thats what were here for! Were happy to know were providing the best service possible! Thank you for taking the time to let us know how were doing.

American Income Life Is Horrible. The Agents Don't Care About You. Twice I Told an Agent That I Needed ta Make a Payment On a Day That I Got Paid. Because I Was Short On Funds. and When They Agreed ta Do That. a Few Days Later My Account Was Charged and Was Almost Negative. and Then Another Agent I Spoke To About That Played Dumb When I Confronted Her Saying That I Needed ta Make My Payment On a Day That I Got Paid and Then Charged My Account Anyway. and I Wanted ta Cancel My Policy But Then They Convinced My ta Stay Wit The Company and I Told Them No. and That's When They Started Harassing Me. So Im Sooo Done With American Income Life. S**** Them.??????

******, we are so sorry to learn of your experience with AIL and take claims of this nature very seriously. We invite you to send us an email to ************** with your city and state, any agents' name and number that have contacted you along with any other details that weren't included in this review so that we can investigate this matter. If you would also include this BBB review that would be helpful. We apologize for the inconvenience this has caused you and look forward to hearing back from you soon.