Complaints

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

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  Globe Life and Accident Insurance Company

  3700 S Stonebridge Dr McKinney, TX 75070-5934

  
• 

  Globe Life and Accident Insurance Company

  100 N Broadway Ave Ste 1900 Oklahoma City, OK 73102

• 

  Globe Life and Accident Insurance Company

  100 N Broadway Ave Fl 7 Oklahoma City, OK 73102-8614

• 

  Globe Life and Accident Insurance Company

  Mobile, AL 36609

• 

  Globe Life and Accident Insurance Company

  Mobile, AL 36609

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:01/23/2024

  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 advertises life insurance with no medical questions ask. In August 2019 I started a $15,000 life insurance policy for $37.88/month. From 2019-2023 I paid on this policy with no problem. In October 2023, they sent me information for a burial insurance policy, again no questions ask. I filled out application and then received a letter back refusing this new policy due to my "medication list".I am a healthy ************************************************** October 2022 my dogs knocked me down and I broke my collarbone. I got a pain medication prescription and that was it which I only took for 1 month. I called Globe Life and ask why were they checking my pharmacy when they said "no medical questions" and I told them I had a existing policy with no problems. I also said if you are going to tell me lies then how do I know you will pay my beneficiary if I died? They assured me I had no problems but later when I went online to pay my premium the policy was marked "inactive". I have made numerous calls and each time I have been told I would receive a letter in 7-10 business days to sign and send my premium. I have waited 30 days and no letter. They have no intention of reinstating my policy and they have done nothing but lie to me. I want my premiums refunded because this is truly a false advertisement company. My estimate of premiums I have paid is 41 months @ $37.88/month = $1553.08. I want my money back

  

  Business Response

  Date: 02/06/2024

  Attached is a copy of the response that was sent directly to ************************* via email and regular mail.

  I trust this information is responsive to your inquiry.

  Customer Answer

  Date: 02/06/2024

  I am rejecting this response because:   I did not ask them to cancel.  I ask them to tell me why I had a policy for years with them and now I somehow did not qualify for a burial insurable and they most certainly advertise "no medical exam or questions".  They based it off a "prescription report".  They also told me twice coverage was being reinstated and I would receive a premium notice in the mail...which was a lie because I have not received it...since December they have been saying this. 

  

  Business Response

  Date: 02/16/2024

  Attached is a copy of the response that was sent to ************************* today via email. 

  I trust this information is responsive to your inquiry.

  Customer Answer

  Date: 02/17/2024

  I am rejecting this response because:   

  They have lied to me all along.  I'm not pouring more money into a company that has not been truthful.  They took my money then cancelled because I was prescribed pain pills for a fractured collarbone.  Been healthy all my life.  You can believe I will tell everyone I meet and post on every social media what a ripoff they are.  How can I be a "liability" therefore they won't refund all I paid.  They never had any intention from the beginning to provide my life insurance coverage 

   

   

• Initial Complaint

  Date:01/12/2024

  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 brother-in-law has Globe Life Insurance which I pay and have paid directly out of my account for the last few years. He recently passed away and I need to have help for burial expenses. they keep giving me the runaround as far as his policy goes so, I am unable to file a claim. I don't know his account number and log in and any correspondence does not include his account number.Below is an example of the runaround in the past, I can register him if he's not registered because they will not give me his policy number:FYI ************************* ***************** ***************** ********************************** ************************, Suite ******************************************************************************** Chat with me on Teams www.princetonconsumer.com Global Locations:******* ** *** | ************** ** *** | ***** ** *** ******** CA | ********** ** | ********** ** | ****** ** Global Clinical ************* Trading as *************************** "This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. Please notify the sender immediately by e-mail if you have received this e-mail by mistake and delete this e-mail from your system. If you are not the intended recipient you are notified that disclosing, copying, distributing or taking any action in reliance on the contents of this information is strictly prohibited. From: ******************************** <********************************> Sent: Tuesday, July 18, 2023 12:53 PM To: ************************* <**********************************>Subject: Ref Number: ECD21B564056D Re: RE: ***************** UNFORMATION REQUESTED FROM REHAB CENTER You don't often get email from ********************************. Learn why this is important Good Morning Policyholder, Thank you for your recent e-mail.For assistance by email, please provide your name and a brief description of how we may assist you. For security purposes, please verify the insureds name, date of birth, and mailing address. Please also provide the policy number, if one has not been provided already. Thank you for choosing Globe Life, where it is our pleasure to service your insurance needs. If we can be of further assistance, please do not hesitate to contact us.Kindest Regards,****** For all future correspondence with us, please use ******************************** Please note that our local number has changed to ************ You can now access your policy 24hrs a day online!!!Please register at *************************************************************

  Customer Answer

  Date: 01/23/2024

  Received January 12 From Globe Life:

  Good Morning Policyholder,
  
  Thank you for your recent e-mail regarding the above referenced policy.
  We are sorry to hear of your recent loss, and wish to express our sympathy to you at this time.
  Unfortunately, we are unable to discuss claims via email. If your claim has been completed and you wish to dis-pute the decision made by our claims department, please submit your request in writing to:
  Globe Life and Accident *************************** PO Box **** ********, ** ***** You may also fax your request to ************, Attention: Life Claims.

  I was FINALLY able to get someone on the phone on January 12, who was able to pull up the life insurance info. She said that they would mail me a claim form. It is January 23 and the mail has come and gone and still no claim form has arrived.

  

  Business Response

  Date: 01/30/2024

  ************************* did not include the insureds name or policy number with the complaint. On January 24, ****, I reached out to **************** via email and asked for this information. Although **************** did not have the policy number, she did provide the insureds name and date of birth, with which I was able to locate the policy.
  
  Policy # ****C4731, insuring the life of ****************************, is a term life policy issued effective May 16, 2022 in the amount of $30,000.00 and includes a $25,000.00 accidental death benefit rider. ************************* is the policy owner; **************************** is the designated beneficiary.
  
  According to our records, ***************** passed away January 10, ****. His death occurred during the two-year contestability period of the policy. As such, the Company will conduct its usual and routine investigation concerning Mr. ******** past health history. Because of the importance of an insurance company receiving true and accurate information, the law provides that, for a period of two years from the date of issue, an insurance company may deny a claim on an insurance policy when the application for insurance contains incorrect or incomplete statements,which, if known, would have caused the company not to have issued the policy. In such a case, the insurance companys obligation is to refund the premiums paid for the policy.
  
  Mr. ******** death was reported by **************** via telephone on January 12, **** and claim forms were sent to her on January 15, ****. **************** acknowledged receipt of the claim forms in an email dated January 24, ****. Once the completed claim forms and proof of loss (death certificate) are received, Globe Life will begin its evaluation of this contestable claim.
  
  In her complaint, **************** alleges that Globe Life refused to provide her with the policy number. *************** contacted Globe Life via email on January 11, **** asking for the policy number. **************** responded back to her on January 12, **** advising only the policy owner can request such information, which is procedure. *************** responded back advising that ****************** passed away. **************** does not answer questions regarding claims via email. Instead, the Customer is directed to contact **************** or Claims via telephone.
  
  As stated above, **************** contacted Globe Life via telephone on January 12, **** to report Mr. ******** death. During this phone call, the customer service representative did not provide, nor did **************** ask for, the policy number.
  
  I trust this information is fully responsive to your inquiry. 

  Customer Answer

  Date: 01/30/2024

  I have reviewed the business response and accept this resolution. 

  

  Business Response

  Date: 05/16/2024

  Attached is a copy of the response that was sent directly to ************************* today via email.

   

  Customer Answer

  Date: 05/17/2024

  I am rejecting this response because:   

  The only thing I received on May 7 was a notice that Globe Life needed more time. When I called Globe Life to get status of my claim I was told that since I have a complaint out that I have to request claims info in writing. So I am getting punished for complaining. That is not right at all!
  When I make requests in writing, I am told that I have to call with emails back to me such as the below:
  Good Afternoon Policyholder,
  
  Thank you for your recent e-mail regarding the above referenced policy.
  
  We are sorry to hear of your loss, and wish to express our sympathy to you at this time. 
  
  Unfortunately, we are unable to discuss claims via email.  To report a death or check the status of a pending claim, please contact our customer service department at **************.
  
  Thank you for choosing Globe Life. It is our pleasure to service your insurance needs. Should you have any additional questions about your coverage please let us know.
  
  ****

   

  
  This is nonsense. All I want is Globe Life to finish the job please and be more reponsive and communicative rather than rejecting my calls because I made a complaint to Better Business Bureau and rightfully so, but I get punished for it. Globe Life, well more than 3 months later still refuses to finish the job. Never was a letter received asking for additional information or signatures, the only one received dated May 7th was asking for more time and patience. 

  

  Business Response

  Date: 05/21/2024

  I received a similar email from **************** on May 17, 2024 and responded to her that same date. I have advised **************** that she is free to contact me directly should she have any questions regarding her claim.
  
  Copies of the letters sent to *************** on May 7, 2024 and May 15, 2024 were provided to her in my May 16, 2024 response,a copy of which was submitted to the Better Business Bureau on that same date.
  
  Again, if **************** has any questions regarding this claim while it is being processed, she is welcome to contact me directly. Customer Service cannot speak with **************** over the telephone due to the fact that our **************** is handling an ongoing Better Business Bureau complaint. Once there is a complaint filed, all inquiries must be made in writing. That is the Companys usual and routine procedure.

• Initial Complaint

  Date:01/11/2024

  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.

  Policy Holder:*****************************#**Y458351 - Certificate Holder:*************************** #**K58**** - Certificate Holder:***************************#**Y4**** We have been electronically paying our premiums through our Bank since about 2018.In September 2023 we began to get notices that premium payments were lapsed for ****** (me). The notice was addressed to ****** (me) indicating no payment was made on my policy (#****), and overpayment was made on Cedrics policy (#****) by $5.40. But the refund check was made out to ****** (me).On 11/11/23, I sent Globe copies of Bank Statement, final notice with handwritten note that their records were incorrect, and the refund check issued #******* for $5.40.On 11/15/23, I called Globes customer service and spoke to *****. I gave her reference #s for online payments received by Globe for September. She could not help or understand the problem.On 11/20/23, I called to escalate the issue with management. I spoke with ****, manager. She explained that their system took my payments of $28.09 and applied them to ****** because his policy changed from $33.49 to $28.09 (but these are two different policy numbers). She further stated my payment should have been $28.** NOT $28.09. So, ******* payments were doubled ($33.49 and $28.09) credited (with a refund check of $5.40), and ******* policy is past due! This is most ridiculous!I (******) requested that **** correct the payments in their system and send a corrected history of premium payments for both policies. She advised me to correct the payments with our Bank. This was done 1/3/2024.On 12/01/23 (document date) I received ONLY the transaction history for ******. Not ******.As of 12/19/2023 we received another past due notice for ******.I am demanding that Globe correct their system to accurately reflect payments for ******* policy from September 2023 to January 2024 of $28.** (with $0.09 credit). And provide premium history for both policies.

  

  Business Response

  Date: 01/31/2024

  *************************** is the premium payor for three Globe Life policies #**K587615 insuring ***************************,#**Y458351 insuring ******************************, and #**2M82067 insuring ***********************.The current monthly premium rate for each policy is: $28.** for #**K587615,$28.09 for #**Y458351, and $81.52 for #**2M82067. The monthly premium for policy #**Y458351 was $33.49; however, it decreased to $28.09 effective October 14, 2023 when coverage under the accidental death benefit rider expired.
  
  In September and October 2023,Globe Life received electronic payments in the amount of $28.09 and $33.49 for policies #**K587615 and #**Y458351, respectively. Although the $28.09 was intended for policy #**K587615, our automated system applied both payments to policy #**Y458351 in September 2023. In October 2023, the $28.09 was again applied to policy #**Y458351 instead of policy #**K587615. Of the $33.49 payment, $28.09 was applied to policy #**Y458351 due to the premium increase and the $5.40 balance was refunded. The way the system applied the payments in September and October 2023 is why Ms. ******** policy #**K587615 to lapse.
  
  After receiving a phone call from ******************, on November 30, 2023, Globe Life backed $82.71 from policy #**Y458351 and applied it to Ms. ******** policy #**K587615, paying her policy to December 4, 2023. However, ****************** again submitted $28.09 and $33.49 in December 2023 and those payments were both applied to policy #**Y458351 was described above (the remaining $5.40 was refunded on December 7, 2023).
  
  In January ****, ****************** submitted the correct monthly premium amount of $28.** which was applied to her policy, paying it to January 4, ****. After receipt of the BBB complaint, the $28.09 applied to policy #**Y458351 in December was backed and applied it to Ms.******** policy #**K587615, paying it to February 4, ****.
  
  Currently the three policies listed above are all paid to February ****. As long as ****************** submits the correct premium amount for each policy, there should be no further premiums with the processing of her payments.
  
  I trust this information is responsive to your inquiry.
  

  Customer Answer

  Date: 02/09/2024

  I am rejecting this response because:   Globe did not provide what I asked for, which is a hard copy of the corrected transaction history of premium payments for ******'s policy.  Further, I would like to know why ****** is getting monthly notices to pay premiums?  We pay all premiums electronically.  Our bank does not process payments on non-bank days. So, we pay on the earliest date available, which is the 6th of the month.  We asked for a due date change, but was told it's okay because you have (I think) 10 days to make payment.

  Thank you.
  

  

  Business Response

  Date: 02/20/2024

  Enclosed are the premium histories for policies #**K587615, #**Y458351, and #**2M82067 since January 2019. As explained in the previous response, payments in the amount of $28.09 that were intended for ********************* policy #**K587615 were applied to ********************* policy #**Y458351 in September, October, and November 2023.That is what caused ******* policy to lapse. On November 30, 2023, those premiums were backed from Cedrics policy and applied to Pamelas policy,paying it to December 4, 2023.
  
  On January 5, ****, Globe Life received a payment of $28.09 intended for Pamelas policy. However, the system again applied the payment to ******* because that it the exact premium amount due for his policy (the monthly premium for Pamelas policy is $28.**, not $28.09). On January 25, ****, the $28.09 was backed from ******* policy and applied to Pamelas policy, paying it to February 4, ****. These correctionscan be seen in the attached premium history for ******* and ******* policies.
  
  While the premiums for the above policies may be paid electronically, they are on direct billing, which is why Globe Life is sending premium notices. If ****************** does not want to receive premium notices by mail, she can register the policies online via Globe Lifes website and choose e-billing instead.
  
  The premium due dates of each policy are as follows:
  
  *************************;     #**K587615       4th of each month
  ****************************;  #**Y458351      14th of each month
  *********************;         #**2M82067      22nd of each month
  
  These dates are reflected on the premium notices sent to ******************. The premium due dates cannot be changed;however, there is no danger of lapse in coverage as long as the premium payments are received within 31-days of the due date the grace ****** and the payments are in the correct amount due for each policy.
  
  I trust this information is responsive to your inquiry.
  

  Customer Answer

  Date: 02/23/2024

  I have reviewed the business response and accept this resolution. 

  Thank you.

• Initial Complaint

  Date:01/11/2024

  Type:Billing 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 have 3 accounts with Globe Life Ins. ***** year I send payments in on date when I opened the accounts. Every year the payments are screwed up and either not applied or they change the date when to pay and never send a bill. This needs to be straightened out. policy #'s below: Policy No.InsuredIssue DatePaid To DateInsured Amt.Pay Option ********* ******************** J09/15/198910/15/202410000.00 Pay Online 00F192337 ******************** J06/01/199906/01/202415000.00 Pay Online 00N700870 **************** E09/08/200507/08/202415000.00 Pay Online Can you help me. I'm only asking for whats right....This time it is the ****** dollar payment last year it was the sixty dollar payment , and years before that ****** account was always messed up. Please help me.

  

  Business Response

  Date: 01/30/2024

  Attached is a copy of the response that was sent directly to ******************* via email on this date.

  I trust this information is responsive to your inquiry.

  Customer Answer

  Date: 02/01/2024

  Better Business Bureau Complaint #********
  
  This is what I wrote to Globe Life waiting for response.
  I am sorry but I am very unhappy with this arrangement. For one I do not know how much was applied to each account . Two when my electronic payment is made the bank puts the account number on it. Three, your people never told me ******** policy #**F192337,the account was paid in full till  June 1, ****. And forth. I never get bills from you people at Globe life.  So I always paid in full on the day that it was opened. And 5, I know I'm the payee of all four accounts, including policy #**5B26657 . I've had ********************* talk to your staff and put my name on her account because I am paying . But every time I call , I cannot talk about hers or ******** account because you want their permission. I do not know how many times I need to do this. Please advise.Both parties have given you permission. So send me the bills and I will pay electronically as I always have.Also send me the dates due for each policy. IF someone overpays for whatever reason , maybe they're old and forgetful or there's a misunderstanding, send the overpayment back to them. Then if you comply I will be very happy..
                                                                                                       Sincerely *********************
  ******************* <**********************> Wed, Jan 31, 10:10?AM (23 hours ago)
  
  
  
  
  to cklawhon, Globe, me
  

  Customer Answer

  Date: 02/07/2024

  I am rejecting this response because:   

  

  Business Response

  Date: 02/16/2024

  Attached is the response Globe Life sent directly to ******************* via email on this date.
  
  I trust this information is responsive to your inquiry.

• Initial Complaint

  Date:12/28/2023

  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 cancelled/surrendered the ********************************************* November 2023. The cash surrender value was almost $950 and I have yet to receive it. They 'said' they mailed it on Nov 14, 2023 and it is now Dec 27, 2023. I have called and emailed 'numerous' times. I am sick of this company.

  

  Business Response

  Date: 01/12/2024

  Policy #**M636950, insuring the life of ******************************, was surrendered on November 13, 2023. Contrary to what ************** was told by ***************** the surrender check was not mailed on November 14, 2023. The check was actually pulled during auditing because the request for surrender was only made by ****************************. Please allow me to explain further.
  
  The above policy has two owners ******************************** and ****************************. A copy of the direct mail application reflecting both to their signatures is enclosed for your reference. Because there are two owners, both need to request/consent to surrender of the policy. As this time, we only have ********************* request for surrender.
  
  Policy notes indicate a letter was sent to ************************* and ******************************** on December 14, ******************************************* order to surrender the policy. A copy of this letter is enclosed. Once Globe Life receives the signature of both parties, we will be happy to release the surrender check.
  
  The form sent December 14, 2023 with both signatures can be returned to our **************** via email at ************************************, fax at ************,or regular mail at:
  
  ATTN:  ****************
  Globe Life And Accident Insurance Company
  ****************************************************************************************
  
  I trust this information is responsive to your inquiry.

  Customer Answer

  Date: 01/12/2024

  We are not rejecting the response only replying to it because:   We received a letter in the mail 'today' from GlobeLife for ************************************ signature/date.  ************************* will also sign/date it, and the ***** of ********* ******************* will also sign/date it.  That way ALL signatures will be on the form.  The fastest way to send it back is by FAX or EMAIL so we will do both. Please KEEP THIS COMPLAINT OPEN until then and until the check is received.  We will then wait for the surrender check.  Thank you so very much, *************************, ******************************** and ********************* ***** (POA), 1-12-2024 at 4:40pm EST

  

  Business Response

  Date: 01/22/2024

  The proper signatures necessary for surrender of the above policy were received from ********************* ***** via email on January 16, **** and forwarded to Living Benefits for processing. On January 18,****, ************** was advised that a copy of the check would be provided to her immediately upon receipt and the check would be sent via to her via Federal Express.
  
  A copy of the check will also be provided to the BBB as soon as it is received in our *****************

  Customer Answer

  Date: 01/22/2024

  The check needs to be made out to ************************* (and ***********************************, if needed) and mail to their address of.. ****************************************************************  The paralegal now handling this has been very helpful and quick in her responses. Thank you so much.. ********************* *****, POA

  Customer Answer

  Date: 01/25/2024

  I have reviewed the business response and accept this resolution. 

  The check needs to be made out to ************************* (and ***********************************, if needed) and mail to their address of.. ****************************************************************  The paralegal now handling this has been very helpful and quick in her responses. Thank you so much.. ********************* *****, POA

• Initial Complaint

  Date:12/26/2023

  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.

  Seeking assistance regarding a life insurance claim for my late family friend, *******************, whose policy is held with Globe Life. I have already submitted the necessary documentation, including the death certificate and other supporting materials, to initiate the life insurance claim process. However, I regret to mention that I have encountered difficulties in processing the claim, as it appears that there may be some complications. I am concerned about the delay in receiving the insurance proceeds during this challenging time for our family. I've paid roughly $11,544 over the course of 26 years. Policy #: 00F168746

  

  Business Response

  Date: 01/05/2024

  Good morning, 

  This complaint is for Globe Life and Accident Insurance Company (NAIC *****), rather than Liberty National Life Insurance Company. We cannot answer this complaint.  Please reclassify for NAIC number*****. Thank you.

  

  Business Response

  Date: 01/24/2024

  January 24, 2024

  Dear ******************************:

  This is in response to BBB Complaint ID: ********. 

  Please note that Globe Life responded directly to your attorney, ****************************, Esq., regarding this matter on October 27, 2023, and ****************** has yet to respond (Copy of Response attached).  If you have additional questions, please discuss with ****************** and have him contact me directly at ***********************************.

  Sincerely,

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

   

• Initial Complaint

  Date:12/13/2023

  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.

  first off my grandmother that has past on she has had a police on me since i was a little girl at GLOBE LIFE so i put the police in my name and then cancled out at globe life at the beging of October later i should have got my check well i thought I called back the beging of November they told me my date of birth was wrong but was all ****** when i called the first time so i just did what they told me. I sent prof of my identity to cancel it out a second time they said would get it canceled and send of the ceck wich this is November 8th at this time ii called back on the 17th told me something else i cant remeber what they said.. I just have the calls on my call log how many times i called on my phone so this is why i am giving these dates... i called December 4th told me that the sent it out on the 26th should get it any day now well Friday came no check i called once again told me something different saying it was sent out on in the mail the 27th no later then the week of the 10th i got mail the 13th today from globe life .. but saying welcome to globe life then saying i was canceling on athother page wtich then i called with them to ask were is the check... i got mail that was 10 pages long but no check (dont for get they typed this up) she then told me Im just waiting on the mail people to get it to me 27th they mailed out the check now its December the 13th i got were it was sent out on the envelope it was the 8th only 3 business days to get here on the 13th i think they are holding on to it till the time limet is up to get it to me and that aint right i needed to cancel for a reason not just to get money i think this is wrong. dont let me forget today she also told me that the 15th dont come she can stop that check and send out a new one that would get to me in two days loike i told her why would it take only two days to get to me if this one is taking this long. i been trying to cancle the police since October email me i can sent pics over

  Customer Answer

  Date: 12/19/2023

  Hello I called on the 13th and the lady had told me that day on the 13th at 1:33 Eastern Time she said if I did not receive it on the 15th of December that she would stop the check and put a another check in the mail and I would have it within 2 days of Express Mail I called yesterday the 14th knowing that it wasn't the 15th but wanted to see if they had a tracking number to give me before I said that I asked how many days does it take to be sent from your location to my location because I got mail from them on the 8th that's what the envelope said and got delivered on the 13th from ****** and I said after she told me that it was sent out the 28th but others told me different dates one told me the 26th was sent out on a Sunday the other lady told me the 27th was sent out on a the dates one told me the 26th was sent out 

     I called back  she was telling me that It was sent out on the 28th and she cannot stop the check to send it in express mail if I didn't receive it by the 15th and deliver it to me in 2days I've been asked to speak to a supervisor she told me that I was misinformed she told  me that she was go back and look up a recording of that day on the 13th at 1:33 and then she told me that it was sent out the 27th she then come to me about everything and that all they could do if I did not receive my check now by the 26..not the 10th of the week like they toldme last week that I should have it no later than the 10th of that week but now telling me that if I don't receive it the 26th she would stop that and it cannot be expressed they can ask for that but don't mean that I can get it in two days but can send another one out and can take up to 30 more days I think they still have that check if I don't get this check today which I will let you guys know and the next response I give you thank you for working with me to resolve the issue 

  

  Business Response

  Date: 12/28/2023

  A copy of ***************************** policy is required in order to fully respond to your inquiry. A copy of the policy has been requested but not yet received. In the meantime, Globe Life respectfully requests an extension to January 4, 2023 to respond to your inquiry.

  Thank you in advance.

   

  

  Business Response

  Date: 01/04/2024

  Policy #**H285382, insuring the life of ****************************, is a whole life policy issued effective January 28,2**2 in the amount of $15,**0.** and includes a $5,**0.** term life rider. ************************* is the policy owner. A copy of the policy is enclosed for your reference.
  
  Surrender request forms were sent to **************** on October 31, 2023 and November 17, 2023. A photo of the completed surrender request form was received on November 20, 2023.  A check (#*******) in the amount of $924.**, representing the full cash surrender value of the policy, was issued to ************************* on November 26, 2023 less than five business days after receipt of the request. Upon further investigation, it appears there was a delay in mailing the check due to a backlog in auditing caused by the high volume of surrender requests received during this time frame.
  
  According to our ********************** the check was cashed December 27, 2023. A copy of the cashed check is enclosed for your reference.
  
  Globe Life strives to process all surrender requests promptly; however, the policy language does allow the Company to defer payment for up to six months (see Cash Surrender (Option 1) under the Nonforfeiture Provisions on Page 5 of the policy).
  
  I trust this information is responsive to your inquiry. 

• Initial Complaint

  Date:11/30/2023

  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.

  constant harassment from globe life insurance,( meaning , pressuring an individual(myself) into purchasing a life insurance policy, for myself, or my child. this has been an ongoing issue which started earlier in the year(2023) was gettimg way too much mail from globe life insurance, sometimes 3 or 4 pieces of mail, within a week, more than one within a month. It got to the point, that i had to actually call a globe life insurance, representitive, and request to have my address removed from their mailing list, they eventually did (so i thought ), was told it would take up to atleast 4 wks., after, that i did not receive anymore letters from globe life insurance, that is, up until about 4 days ago, 2 more letters of mail came from globe life insurance, within like 2 days of each other, again trying to pressure me into buying a life insurance policy, for myself or for my son. I them back then, that i was not interested in buying life insurance from them, and im still not interested to this day, ive already have a life insurance policy with another life insurance company, when i called them 4 days , asking them to remove my address, from their mailing list, i was assured they would and was told that it could take as much as 4 weeks for the change, to be permanent. I feel like ive been violated,, ? i seriously doubt, that globe life insurance takes any thing serious, at all ? Im getting very impatient with them, (globe life) and something needs to be done about this, if not, they will never stop.. thankyou.

  

  Business Response

  Date: 12/14/2023

  *********************** was receiving direct mail advertisements from Globe Life because he inquired about both adult and juvenile life insurance products in November 2022. This inquiry triggered five fulfillment advertisements for each product. After that, the follow-up campaign picked up. Because he was receiving advertisements for both adult and juvenile products, Globe Life was mailing ****************** pretty heavily for a while.
  
  ******************** name and address were placed on the Companys Do Not Mail list in March 2023 and the last pre-programmed advertisement was sent in April 2023. According to our ********************* no advertisements have been sent to ****************** at the address provided in his complaint since April 2023.
  
  If ****************** is still receiving advertisements from Globe Life currently, please have him provide copies of such advertisements so that our ******************** can research further.
  
  I trust this information is responsive to your inquiry.

• Initial Complaint

  Date:11/29/2023

  Type:Product 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 use to have LIFE insurance for myself and my family with Globe LIFE. I cancelled my policies many years ago and have repeatedly called written and returned emails and mailings and have completed their online request to have the STOP sending me any and all mailings for several years now. This company has ignored them. At first, they slowed down. Now they are back to sending mailings MULTIPLE times per week. filling my mailbox with MULTIPLE unwanted and at this point harassing mailings. I am requesting that they cease and desist with this immediately. They reassured me that I was off of the mailing list. I get informed delivery from **** and have multiple pieces of evidence that they have just ignored my requests. I have uploaded a few but there are hundreds and this needs to stop

  

  Business Response

  Date: 12/15/2023

  According to our ********************* **************** is receiving direct mail advertisements from Globe Life because she is a former policyholder. Although **************** states she has tried numerous avenues to stop the mailings, Globe Life has no record of her name and address being placed on the Do Not Mail list until receipt of the Better Business Bureau complaint.
  
  The names ************************* and ************************* have now been placed on Globe Lifes do not mail list. We ask that **************** please allow at least ***** days for this change to take place,as other mailings may have already been processed. Per Marketing, the last mailing, which is already in the system, will generate on January 5 2023. After that, **************** should receive no further direct mail advertisements from Globe Life. Please note, however, if **************** should ever inquire about a Globe Life product in the future, her name and address will again be added to the Companys mailing list.
  
  Marketing also noticed that there are mailings going to Ms. ******* address under the surname *******. We have added that name to the Do Not Mail list also.
  
  Globe Life sincerely apologizes for these mailings and any inconvenience they may have caused *****************
  
  I trust this information is responsive to your inquiry.

  Customer Answer

  Date: 12/16/2023

  I am rejecting this response because:   I have called & returned mail and stated on the mailings and to their representatives to stop harassing me with junk mail and soliciting. If their employees failed to document the requests given, what does a person such as me to do with that. I have mailings even this week. This is another CEASE & DESIST formally to stop all mailings, solicitation and communication from Globe LIFE regarding their products.  It has been several years of ongoing annoyances. I cancelled my policies and that within itself were and remain as clear indications that I am not interested. Stop immediately.

   

  Ms ***********;

  

  Business Response

  Date: 12/26/2023

  There is no way to track the mailings that **************** returned to Globe Life, and simply cancelling a life insurance policy does not automatically remove the policyholders name and address from the Companys mailing list.
  
  Marketing was able to cancel the mailing that was pre-scheduled to generate on January 5, ****. However, the mailings pre-scheduled to generate on the 22nd and 29th of December 2023 could not be stopped. Once the December 29th mailing is sent, **************** should not receive any additional mail directly from Globe Life.
  
  Again, Globe Life apologizes for any inconvenience these mailings may have caused.

  Customer Answer

  Date: 12/29/2023

  I am rejecting this response because:  It's  very disturbing that I have in writing previously and called numerous times over the years to repeatedly demand the stopping of these harassing and annoying mailings to open up my informed delivery from the postal service and see yet another one. That has been 2 this week. That's just ridiculous and very unprofessional for this much unwanted solicitation from anyone. This company even sends these mailings to my address without my name as the addressed party. They have their solicitations that plenty of other mailbox holders toss them on the counters by the trash. This is awful. Again..cease and DESIST which I have said previously period.

  

  Business Response

  Date: 01/08/2024

  As explained previously,according to our ********************* the last mailing for PO Box ****, ************, ******** was generated on December 29, 2023. Allowing for mail time and the holidays, **************** should not receive any further mailings from Globe Life after January 12, 2024.
  
  Again, Globe Life apologizes for any inconvenience these mailings may have caused.

• Initial Complaint

  Date:11/28/2023

  Type:Product 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.

  For the past two years, I have received letters regarding money owed. I have never been a customer of **********************. I have never taken out an insurance policy at Globe Life. I have never taken out a loan at Globe Life. My mother, went on hospice in 2019. During that time, she asked if she could have mail sent to my address, and I agreed. The following, is what has transpired since. All letters were addressed to me. 5/10/22 (letter date) I received notice of New Loan Balance as of 5/10/2022 is $224.37.6/14/22 (letter date) I received notice of Your policy is no longer active as of 6/10/2022.7/6/22- I spent two hours on the phone with ******* (emp # *****), ********* (emp #*****), and ***** (supervisor; employee # *****). I found out that my mother started a life insurance policy for her granddaughter (my niece), Policy # ***E50965. ***** reported that a change of the policy ownership was done over the phone on 3/25/2019, by my mother. The policy was changed to my name. I was not involved in this process. I never took ownership of the policy. No documents were signed. I was told that transfer of this policy and loan, were a mistake on Globe Lifes behalf, and that it would be corrected. 5/10/23 (letter date). I received notice of New Loan Balance as of 5/10/2023 is $350.19.It appears that I have still not been removed from this policy/loan, and I continue to be contacted, requesting payment. Once again, I had no knowledge of and never consented to this loan. During the phone call on 7/6/22, I was asked multiple times for my social security number, as Globe Life did not have this on file. Globe Life does not have a right to this information. My mother passed in January 2020. She had no estate and no assets. Globe Life has turned to me in effort to pay off her debts. This is illegal and the ultimate example of a predatory practice.(# below is the *** of payment that they are requesting. I have not paid this)

  

  Business Response

  Date: 12/12/2023

  Attached is a copy of the response that was sent directly to ***************************** today via email.

  I trust this information is responsive to your inquiry.