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Business Profile

Insurance Companies

American Income Life Insurance Company
BBB accredited business seal
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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    Customer Complaints Summary

    • 849 total complaints in the last 3 years.
    • 344 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:03/28/2025

      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.
      This company is terrible and should not be allowed to continue as a "business". I've called to cancel on numerous occasions and at one point they actually did BUT within a couple of months the charges started back up. I called again for more information and to seek reimbursement but to no avail. This is just downright despicable and at the least I should get most my money owed. If I didn't know any better I'd swear they were here to just scam people out of their hard earned cash. Please make it stop!!!!!

      Business Response

      Date: 04/07/2025

      We would like to thank April W. for reaching out to our office regarding this matter.  Please provide any policy numbers or additional identifying information to locate the policies so we can address the complainant's concerns.  Once this information is provided, we can continue our investigation into this matter.  

      Customer Answer

      Date: 04/09/2025

      Good evening,

      The "business" did reach out for further information but I wasn't sure if accepting and responding would close the case so I am providing further information. The "policy" number that I have on hand at the moment is ********. I believe that is for my daughter. I do not have mine at the moment but both should've been cancelled, mine way before my daughters. Hope this helps.

      R,

      April

      Customer Answer

      Date: 04/11/2025

      Good evening,

      The "business" did reach out for further information but I wasn't sure if accepting and responding would close the case so I am providing further information. The "policy" number that I have on hand at the moment is ********. I believe that is for my daughter. I do not have mine at the moment but both should've been cancelled, mine way before my daughters. Hope this helps.

      R,

      April

      Business Response

      Date: 04/16/2025

      We would like to thank ***** ***** for reaching out to our office regarding this matter.  Policies ********, ********, and ******** have been cancelled as of the original cancellation date of 6/20/2024.  Premiums collected on policy ******** after the original cancellation request date will be refunded in the amount of $844.56 reflecting nine months of premiums.  No premiums were collected on policies ******** and ******** after the original cancellation request therefore no refunds are due.  Please allow 7-10 business days for the refund to be processed.

      We hope to have addressed Ms. ****** concerns.  Please let our office know if we can be of further assistance. 

    • 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:03/27/2025

      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.
      My mom and dad opened a policy for me, and my dad was the owner. He died in 2009. Ownership was never transferred to my mom but she has paid it monthly. She also opened a policy on my son and niece and she paid for them. My brother has a policy that he is the owner of, but she paid for it. She died in February 2024; we do not want to take over the policy. On May 29, 2024 they told me that the policices would not be cancelled because the owners had to cancel them and it didnt matter that they died and were the owners and payors that in order to cancel the policies I had to put them in my name. I do not want these policies and I do not want them in my name! I also want them to stop calling my phone!! All other accounts from other companies only required the death certificate.I have multiple of their numbers blocked. They call, and they immediately call back when you dont answer. They do that 3 times in a row. When my mom was sick, they called daily to try to up the policies and talk about the cash value. When she was at the end of her life and couldnt talk, they still tried to have a Zoom meeting!!! After her bank account was closed and the payments started bouncing, they started calling me. Once I blocked most of the numbers, they stopped calling, but now March 2025, a year after she died, they have started repeatedly calling again. Each time I have to tell them both parents are dead and they all say Im sorry Ill put that in the notes there should be at least 50 notes stating this. Instead of just canceling the policies they have been taking their payments out of the cash value on the policies. WE DO NOT WANT THE POLICIES!! Especially after the way the company has handled this. If they do not cancel the policies and do not stop calling I will be contacting a lawyer for harassment and emotional distress. Policy:10160530 ******** ******** ********

      Business Response

      Date: 04/07/2025

      We would like to thank Ms. ******* for allowing us to respond and to extend our condolences on her loss.  We have reached out directly to Ms. ******* to resolve her concerns.  

    • 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: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.
      On Saturday, March 22, I was contacted AGAIN by another American Income Life Insurance agent trying to get business. I told this agent, just like I have told every other agent who has continually harassed me, that my agent is ***** ********. Just like every other agent, he told me she doesn't work anymore. He then continued to ask rapid fire questions from which I was unable to defend myself because he woke me up with the call. He an countless others have harassed me about the insurance I'm already paying, in an attempt to steal me from the one and only agent I have ever had with American Income Life. I have been reaching out to American Income Life for years but no one ever calls me back AND the agents keep calling and harassing me.

      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 the handling *** to reach out to Ms. **** to discuss her agent concerns.  Please allow 7-10 days for this request to be processed.  If no contact has been made after 10 business days, please let us know so we can address this issue directly.  Please let our office know if we can be of further assistance.

    • 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. 

    American Income Life Insurance Company is BBB Accredited.

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