Complaints

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

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  AAA Life Insurance Company

  17900 N Laurel Park Dr Livonia, MI 48152-3992

  
• 

  AAA Life Insurance Company

  2900 N. 118th St Omaha, NE 68164

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:04/02/2024

  Type:Customer Service 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 not the person listed but live where this person has. Please remove this name ********************* form your list of marketing. I have tried several times, this person no longer lives at this address. I am not sure how else to get this mail coming from my house. I have told the post office to stop several times, I have called AAA several times, stating there is no one at this address with this name anymore and I keep getting them. It is marketing only, so this person is not a member. PLEASE STOP SENDING MAIL FOR THIS PERSON TO THE ADDRESS LISTED! It is not a good look on your company to keep sending mail for people and not have a valid opt-out system on line. It shows one, but shows as no longer available. This can be considered harassment. I seen other complaints with the same issue and was resolved with someone confirming with their documents team and a Do Not Solicit. Please add this name and this address. Thank you.

  

  Business Response

  Date: 04/10/2024

  Good afternoon, thank you for reaching out. We have processed your request and have mailed a confirming letter. We appreciate the opportunity to respond. 

  Thank you, 

  ******** Compliance Team

• Initial Complaint

  Date:03/30/2024

  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 mailed required Claim# CL00039635 documents on March 5, 2024 after receiving instructions where to mail them. I have a Priority Mail receipt that the claim form and discharge summaries asked for were picked up at their ******* post off on March 8. I also emailed the documents as instructed. AAA Life keeps sending me computer generated letters asking for the same information. They have sent me 3 requests for the same information which I have sent to them three times.I have a postal receipt showing the Priority Mailed documents that you requested were picked up by an individual at your ******* address Postal Facility on March 8, 2024 at 10:12am..

  

  Business Response

  Date: 04/01/2024

  Hello, *******, we apologize for this frustrating situation and the delay in updating you on your claim. Please know that we touched base with our ***************** as soon as we were aware of your complaint, and the team was able to update your claim. It is now being processed. You can contact our ****** Services team at ************ if you have further questions, we hope this resolves your frustration and we apologize again for the delay. - ***************************

  Customer Answer

  Date: 04/01/2024

  [A default letter is provided here which indicates your rejection of the business's response. 
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of why I am rejecting this response appear below:

  After calling the number above, I was transferred twice and got voice mail. So I don't know what *************** meant in her message. Please call me. You have my number

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

  

  Business Response

  Date: 05/13/2024

  Hello, we understand you are having trouble getting an update on your claim from AAA Life. The examiner in charge of your case has reached out to you personally to provide an update and can provide you with their contact information for additional follow-**** so you do not have the same issues contacting someone at AAA Life for help. We apologize for the frustration and thank you for bringing it to our attention so we can help make this situation right for you. 

  Customer Answer

  Date: 05/13/2024

  [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 made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.

  The business has paid my claim

  Regards,

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

• Initial Complaint

  Date:03/26/2024

  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.

  ******** Insurance mails packets of offer mail multiple times per week nonstop. It is such a crazy waste of paper (large envelopes, packets of papers). I have never expressed any desire for the product (life insurance) and started getting this after I got AAA for my car... I have called them to be put on the do not mail list and I am still getting the mail over 2 months later. This kind of harassment (inundating with offer mail, literally receiving every other day) should be illegal. It angers me how much paper is wasted on this. My only other option is to start sending it back to them... it's ridiculous.

  

  Business Response

  Date: 03/28/2024

  Hello, we are sorry to hear of this frustrating situation. We have communicated your mailing address to our Documents team for removal from AAA communications. Please note, it can take up to 60 days for mailings to cease. We hope this is a satisfactory resolution, thank you for reaching out and we apologize again for the frustration. - ***************************

  Customer Answer

  Date: 04/02/2024

  [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 made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

  Regards,

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

• Initial Complaint

  Date:03/23/2024

  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.

  Repeated letters. Im on do-not-mail list, I contacted the company by phone, I filled out their form online. They keep sending me letters. This is a violation of spam and Ive done more than necessary to get them to stop and they continue

  

  Business Response

  Date: 03/26/2024

  Hello, we are sorry to hear of this frustrating situation. We have communicated your mailing address to our Documents team, and they have removed you from ********'s future mailing lists. Please note, it may take up to 60 days for mailings to cease. We hope this resolves your frustration, thank you for reaching out to ********! - ***************************

  Customer Answer

  Date: 03/31/2024

  [A default letter is provided here which indicates your rejection of the business's response. 
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of why I am rejecting this response appear below:
  
  Getting any more spam letters in the next 60 days is not acceptable.  I have already submitted two requests directly with you to remove me over the last few months. Please provide proof that I have been removed from further contact and if there are ANY more contacts already in process, let me know which they are and which will be the very last one. 
  
  Regards,
  
  ***************************-fish

• Initial Complaint

  Date:03/22/2024

  Type:Order 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 signed up for AAA roadside assistance, and AAA signed me up for constant AAA life insurance offers by mail. I opted out, and was sent a letter indicating I was partially removed? But I had to pay money to fully opt out via dmachoice.org. This is ridiculous, and I never signed up for this! Please remove me immediately!

  

  Business Response

  Date: 04/03/2024

  Good afternoon, 

  We would like to apologize for any confusion in our last response. We have mailed you another response, which should arrive at your home shortly. We appreciate the opportunity to respond. 

   

  Thank you, 

  AAA Life Compliance Team

  Customer Answer

  Date: 04/03/2024

  [A default letter is provided here which indicates your rejection of the business's response. 
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of why I am rejecting this response appear below:
  
  [You must provide details of why you are not satisfied with this resolution. Please type details here:] I have been receiving spam mail and calls now, and your previous response made it clear I had to pay to make this stop, this is ridiculous, I never signed up for this spam. I only signed up for AAA roadside assistance! 
  
  Regards,
  
  *********************

  

  Business Response

  Date: 05/17/2024

  Good afternoon,
  
  We would like to apologize for any confusion in our last responses. You have been added to our Do Not Solicit list and will receive no further mailings from AAA Life Insurance Company. We have sent a letter confirming you were added to the Do Not Solicit list and will no longer receive advertisements from us. We appreciate the opportunity to respond.
  
  Thank you,
  AAA Life Compliance Team

  Customer Answer

  Date: 05/19/2024

  [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 made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

  Regards,

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

• Initial Complaint

  Date:03/21/2024

  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.

  My mother late mother held a life insurance policy with AAA. As a beneficiary I filed a claim in 2015 after her death. I filled out the annuity application form and was approved for annuity payments under the contract. In 2016 I began receiving benefits with my spouse as my primary beneficiary - per the approved application. In 2022 I wanted to add my Family Trust as a Contingent Beneficiary to my annuity. I mailed in the requested form and never received confirmation of the change. I have periodically calling and emailing but was unsuccessful in reaching customer service at AAA. Today I spent over an hour on the phone as I was transferred no less than 6 times to 'someone who's been trained to help me".One service rep said they did send out a correspondence to 2022 addressed to my late mother...'a claim form'. The same claim form I sent them. The last person I spoke today said my HUSBAND IS NOT MY BENEFICARY they can't add a contingent beneficiary and they have no idea where my money will go when I die".

  

  Business Response

  Date: 03/26/2024

  Hello, *******, we are so sorry to hear of this frustrating situation. Please know our team has been closely monitoring this beneficiary change and they report it will be complete as of March 26, 2024. Our team has also been in contact with you to keep you apprised of updates and to ensure this situation is resolved to your satisfaction. Your trust in ******** means a lot to us, thank you for your patience and we apologize again for the frustration. - ***************************

   

  Customer Answer

  Date: 03/31/2024

  [A default letter is provided here which indicates your rejection of the business's response. 
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********.
  
  I have been in contact with ***********************. He sent an email update on 3/27 stating that my records have been updated per my request and that a letter would be sent to me regarding. I sent ************** an email on 3/31 with a request to scan and email that letter to me. I requested that as a precaution since I did not receive AAA's last postal letter dated May of 2022 because that letter was sent to my late mother's address in *****, **.  I mentioned to ************** upon receipt of this new scanned letter I would close my complaint with a "satisfied" status.

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

• Initial Complaint

  Date:03/19/2024

  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.

  My husband and I have found life insurance documents from his late mom who passed away from AAA for life insurance. We called Saturday and were told that the policy was not able to be pulled up. We have certificate of coverage, all information, auto pay info, etc. ******* said we need to call back during the week because she would not get me to a supervisor. My husband called yesterday and spoke with someone who said they also were a little confused about finding the policy. They asked us to fax over information to research. We do not feel confident in AAA and how they are treating us. We want solid documentation whether or not the policy was active we deserve to know correct information and not be told to call back.

  

  Business Response

  Date: 03/20/2024

  Hello, we apologize for the frustration related to communications with AAA Life Insurance Company. We have alerted our ****************** and a team member has been in contact with you to get relevant information about this policy. We hope this helps resolve your complaint, and that you feel supported by ******** in your time of need. Thank you for reaching out to make us aware!

• Initial Complaint

  Date:03/19/2024

  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 receive multiple marketing letters WEEKLY from ******** Insurance despite not having any interest in purchasing this product. Apparently, you somehow get on their mailing list merely by signing up for AAA Roadside Assistance. Also, the ******** Insurance mailings use different envelopes, and are mailed from different states - very shady. I have repeatedly requested to not have marketing mail sent to me, and requested no physical mail whatsoever from AAA (electronic communication only) but it doesn't seem to matter. The constant stream of junk mail has been so frustrating and time consuming (having to pick up the mail from my mailbox location) that I will not be renewing my AAA Roadside Assistance membership.

  

  Business Response

  Date: 03/20/2024

  Hello, we apologize for this frustrating situation and have followed up with our Documents team to ensure your address has been removed from AAA Life Insurance Company's mailing list. We have also alerted the *** club you are a member of, which had a different address on file for you. Please note it can take up to 60 days for mailings to cease due to printing schedules but your address has been removed from our system. Thank you for reaching out to ******** Insurance, and we apologize again for the frustration.
  

  Customer Answer

  Date: 03/22/2024

  [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 made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

  Regards,

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

• Initial Complaint

  Date:03/18/2024

  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.

  This company is harassing me. I get 5 massive envelopes a week stuffed with useless information. Each sheet has my name printed on it so i have to shred it rather than throw it out as the information in the letter puts my personal data at risk. I do not want their product and I have told them this directly yet they continue to harass me every single day.

  

  Business Response

  Date: 03/20/2024

  Hello, we are sorry to hear of this frustrating situation and have looked into this internally. We were able to remove you and your partner living in the same household from our AAA Life Insurance Company's mailing system. Please note, it can take up to 60 days for mailings to cease but you have been removed from our communications moving forward. We apologize again for the frustration, and thank you for reaching out to ******** so we can address this.

  Customer Answer

  Date: 03/20/2024

  [A default letter is provided here which indicates your rejection of the business's response. 
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of why I am rejecting this response appear below:

   

  They state that it will take them ***************************** Thats not good enough, the misuse of my personal information and harassment must cease immediately. 
  
  [You must provide details of why you are not satisfied with this resolution. Please type details here:]
  
  Regards,
  
  ***************************

• Initial Complaint

  Date:03/09/2024

  Type:Order 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.

  Please stop sending me life insurance offers by mail, I signed up for AAA roadside, not life insurance.

  

  Business Response

  Date: 03/11/2024

  Hello, ****, we are sorry to hear of this frustrating situation. We have reached out to our Documents team to add you to our Do Not Solicit list. Thank you for providing your information, and we apologize again for the frustration. - ***************************

  Customer Answer

  Date: 03/11/2024

  [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 made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

  Regards,

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