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Business Profile

Insurance Companies

American Income Life Insurance Company

Headquarters

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BBB Accredited BusinessA+Rated by BBB

Complaints

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

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American Income Life Insurance Company has 301 locations, listed below.

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    Customer Complaints Summary

    • 800 total complaints in the last 3 years.
    • 352 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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:03/31/2025

      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.
      American life sent me a letter stating that I could claim a refund or continue my life insurance. I explained that I forgot I had it and would like to have the money that I had built up with them, which was over 3 thousand dollars.. I contacted them by phone and I have talked to I know them 6 or 7 times, the response has been give us a week and it will be in the mail. This all started back in December of last year. 2024 now it is April 2025. Just would like the amount they said I had invested. Thank you for your help.

      Customer Answer

      Date: 04/05/2025

      This has been settled thank you

    • Initial Complaint

      Date:03/28/2025

      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 bought a policy from this company, on May 13, 2024 I canceled the policy. They continued to deduct May and June payments, Both for ***** on the 21st of each of these months. I have been calling this company starting in June of 2024. Yesterday I made my 17th call to them. Each time either telling me they will tell the **** to release the funds or the check was mailed out. I have not received a refund yet. I have even tried on numerous times e- mailing them and told the same thing till they stopped replying. I and retired and on ** and dont understand why they wont return my money.

    • Initial Complaint

      Date:03/26/2025

      Type:Order 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.
      American Income Life Insurance calls me multiple times in a row and multiple times a day to go over my policy even though I tell them I am not interested and to send me the information by mail.

      Business Response

      Date: 04/07/2025

      We would like to thank ***** ***** for reaching out to our office regarding this matter.  A request has been sent to our Consumer Relations and Resolutions Team to remove Ms. ***** from any internal databases and cease any further communications attempts.  Please allow 7-10 days for this request to be processed.  If attempts at contact occur in the future, please provide the phone number used to contact Ms. ***** and we will address the matter on an individual basis.  Please let our office know if we can be of further assistance.

      Customer Answer

      Date: 04/09/2025

      I have reviewed the business response and accept this resolution. 

    • Initial Complaint

      Date:03/26/2025

      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 have reached out several times regarding my policy ******** and have called several times to cancel this call in he last 6 months and you say you will send forms to my address within 7 business days and we don't receive them. you claim to send an email over the phone and yet you don't send the email and i even verify it and you dont send the email.This is ridiculous because you still charge me and i asked to cancel before this.I want to cancel these policy and stop calling me and receive verification that these account's were canceled

      Business Response

      Date: 04/04/2025

      We would like to thank ******** ***** for reaching out to our office regarding this matter.  Policy ******** has been cancelled and the remaining cash value is being surrendered to the policyholder.  Please allow 5-7 business days for this request to be processed.  Please let our office know if we can be of further assistance.

      Customer Answer

      Date: 04/12/2025

      I have sent over a copy signed electronically and have also sent a letter with it as well to double down.

      Please cancel & refund any past payments due to the account owed to the checking account holder

       

    • Initial Complaint

      Date:03/25/2025

      Type:Billing 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 on the phone with an agent who was supposed to be handling my mothers benefits for her life insurance the person was only supposed be on that subject but ended up turning the conversation into a sell that I ended up having to cancel well so did the took the money on the 3/8/2025 amount $100.00 they sent back to my account $63.00 and I call and was told I made 2 policy witch I was not informed they have caused a major inconvenience to my bank and my car payments I want interest for the inconvenience

      Business Response

      Date: 04/10/2025

      We would like to thank ***** ***** for reaching out to our office regarding this matter.  Per our records, the policies were applied for on February 28th, 2025.  On March 9th, 2025, the insured called our office and requested the cancellation of the policies.  Premium payment refunds in the amounts of $69.65 for policy ******** and $30.47 for policy ******** were deposited via ACH deposit on March 24th, 2025.  Please see the attached supporting documentation.  Please let our office know if we can be of further assistance.

      Customer Answer

      Date: 04/10/2025

      I have reviewed the business response and accept this resolution. 

    • Initial Complaint

      Date:03/24/2025

      Type:Customer Service 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 have attempted to contact the main customer service line twice in a row, and each time I start speaking with a representative about canceling my policies, they "disappear". The call remains connected, but it's as though they simply mute themselves, hoping that I hang up.I am typing this as my call to their customer service line is active. If they had hung up, the call would have dropped, so what's the deal?I am sick of processes being so hard for paying customers, and wish that the business would just honor my conversation, send me the appropriate cancellation forms, and move on.

      Customer Answer

      Date: 03/24/2025

      On my third attempt to contact the company regarding the cancellation of my policies, the representative I was forwarded to amazingly stayed on the line and walked through all of the policies with me. The representative stated that they were removing the existing bank draft from my account so that I will not be charged any future funds automatically. When I asked if there is any kind of confirmation that can be provided to ensure this process has gone through, the representative said there is no confirmation communication available, but to be assured that they cancelled automatic bank drafts on my behalf. Although I am trusting this to be true, I did opt to contact my credit union as another layer of assurance for the prevention of any future payments.

      I was also told that I will receive an email in 72 business hours with a cancellation form to complete and mail/email back to formally cancel my policies. After reading other complaints and reviews, I am nervous this email will not show up, but will wait the designated time, as told. Hopefully, the process will move forward as promised by the company.

    • Initial Complaint

      Date:03/22/2025

      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 have been trying to cancel insurance policies with this company for months and have been successful with all but one. I have to filed the same paperwork 3 times but they keep using the cash value to continue to pay the policy on the only one that actually had cash value, so I cant get that money back. 8/19, 9/25 have been the times that the cancellation request was made, with requests going unanswered. I have mailed and faxed the paperwork. I just want the money I am owed from the original cancellation request was made.

      Business Response

      Date: 04/04/2025

      We would like to thank **** ********* for reaching out to our office regarding this matter. Policies ******** and ******** have been cancelled.  The automatic premium loans that were incurred after the original cancellation request are being vacated and the policies remaining cash value is being surrendered to the policyholder.  Please allow 7-10 business days for this request to be processed and the checks issued.  Please let our office know if we can be of further assistance.

    • Initial Complaint

      Date:03/22/2025

      Type:Service or Repair 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 have been trying to cancel my life insurance policy since the beginning of October 2024 when I got divorced. **************** says I need to speak with a rep, the **** won't call me back and they keep charging me each month.

      Business Response

      Date: 04/04/2025

      We would like to thank ******* ******** for reaching out to our office regarding this matter.  Per request, the policies have been cancelled and surrendered.  As a courtesy, we are backing off the automatic premium loans as of the original cancellation request in October 2024.  Please allow 5-7 business days for the cancellations to be processed and refund checks to be issued.  Please let our office know is we can be of further assistance.

      Customer Answer

      Date: 04/04/2025

      I have reviewed the business response and accept this resolution. 

    • Initial Complaint

      Date:03/20/2025

      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.
      My father passed away december 2024, he had a small policy of 5K, my mother is elderly and she is getting the run around on getting this 5K, they are acting like its a million dollar policy. Multiple phone calls have been made only for them to say the check will be there in 5-10 business days...its been over 3 months. What a scam....they have all the documentation needed and still are giving my mother the run around.

      Business Response

      Date: 03/31/2025

      We would like to thank ******** **** for reaching out to our office regarding this matter.  Per our records, a claims check in the amount of $5,120.87 reflecting a death benefit payment of $5,000.00, a premium refund of $76.90, and an interest payment of $43.97, was mailed to ****** **** on March 23rd, 2025.  The check has not cleared our account as of March 31st, 2025.  Please let our office know if we can be of further assistance.  

    • Initial Complaint

      Date:03/20/2025

      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 filed the paperwork to cancel a life insurance policy Ive had for 30yrs and requested a payout on Feb 10th, 2025. Ive gotten nothing but lies and manipulation, along with approximately 12 emails and holding my check up. I was told by 1 customer service representative, that the check had been cut on March 5th. Then I get an email Friday March 14th, 2025 that my accounts had been canceled no mention of any thing else. On Monday March 17, 2025 I get an email that it was mailed on March 11, 2025, give it 7-10 business day. Im writing this complaint because its now March 20th, 2025 and I get an email that I NOW have to wait 40 days before Anything! This is a SCAM orchestrated by American Income Life Insurance to hold my funds! NOT ACCEPTABLE!

      Business Response

      Date: 03/31/2025

      We would like to thank **** ****** for reaching out to our office regarding this matter.  Per our records, Policies ******* and ******* have been cancelled.  Policy ******* is an accident policy and no refund is due.  Policy ******* was surrendered and a check in the amount of $3,396.14 was issued.  The check cleared our account on 3/26/2025.  Please let our office know if we can be of further assistance.

    American Income Life Insurance Company is BBB Accredited.

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