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Business Profile

Insurance Companies

National Income Life Insurance Company
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BBB Accredited BusinessA+Rated by BBB

Complaints

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

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    Customer Complaints Summary

    • 54 total complaints in the last 3 years.
    • 22 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:09/30/2022

      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.
      National income life refused to insure me because of an existing health condition, I filed an appeal, but coverage was still denied.. no big

      What I didn't fully realize is some of the additional coverage offered was approved, just not the actual life insurance policy.

      After an hour (63 mins actually) on hold, I was finally able to speak to someone about cancelling, guess it's not a top priority to help someone cancel a policy... The person I spoke with gave me a couple of cancellation numbers I would need to "complete" the paperwork. I was told the paperwork would come by mail or email, why they couldn't tell me which one specifically is a bit concerning. This has been about 2 weeks ago now, still no correspondance from National Income life. Needless to say, waiting on hold for another hour to inquire as to the status isn't something I'm looking forward to, will just pay the fee from my bank to stop payment.

      Business Response

      Date: 11/22/2022

      Business Response /* (1000, 5, 2022/10/04) */
      Our office reached out to Mr. ****** and confirmed that he wanted to cancel policies NYXXXXXXX and 66.
      both policies have now been cancelled.

    • Initial Complaint

      Date:09/28/2022

      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.
      I have made numerous attempts to cancel my insurance policy with this company. This has been on going for over 2 months now, they tried to make me and my spouse sit through a zoom meeting before I could cancel and then told me they couldn't help cancel it. Once you get put on hold for the cancelation department it's numerous transfers, and then they proceed to hang up on me. I've spent a total of 10hrs over numerous days attempting to cancel this policy.

      Business Response

      Date: 11/22/2022

      Business Response /* (1000, 5, 2022/09/30) */
      Thank you for reaching out to us. Our records show that you called our office on June 21, 2022 to request cancellation of the policies. One premium per policy was drafted after that date. Our office will refund a one month refund on each policy. Please allow 7 business days for the transaction to complete.

    • Initial Complaint

      Date:09/27/2022

      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.
      Mr. ******* is the insured of National Income Life Insurance Company's Whole Life Policy, Policy No. NY XXXXXXX. The policy has a 20-year pay term, which ended in policy year 2020. All premiums were paid and the policy was not cancelled. The nature of this complaint is two-fold: (1) National Income has continued to deduct premiums from Mr. *******'s account beyond 2020 and Mr. ******* is entitled to a full refund for all overpayments; and (2) National Income has, without authorization, deducted an additional payment from Mr. *******'s account despite the fact that Mr. ******* only purchased one policy. Mr. ******* is entitled to a full refund for all payments made in 2021 as it relates to his Whole Life Policy Insurance NY XXXXXXX and entitled to a full refund for all other unauthorized deductions made from his debit account.

      Business Response

      Date: 12/08/2022

      Business Response /* (1000, 5, 2022/10/06) */
      Mr. ******* is the insured/owner/payor of three Whole Life policies. He does not have term coverage. Policy NYXXXXXXX was issued in 2012, Policy NYXXXXXXX in 2014, and Policy NYXXXXXXX in 2017. Whole Life policies offer nonforfeiture options. The insured may surrender the policies for the cash value in which case the policies will cease to exist, or he can chose the Reduced Paid Up Value (RPU). When a policy is converted to RPU the insured makes no further payments and the RPU values are paid when the claim is filed, whether it be weeks or years, the value will not change. A review of the files shows that Mr. ******* has made changes to the policies in years past confirming his awareness and activity with the policies. Our office mailed letters to Mr. ******* providing the surrender value and RPU amounts. He can choose one of those options for each policy, or he can continue to pay premiums to keep the policies in force. Page 3 of the policies provides the nonforfeiture options and the number of years until the policy is paid up. Mr. ******* is welcome to contact me directly at kk*****@globe.life.

    • Initial Complaint

      Date:09/19/2022

      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.
      I have tried to cancel my policy twice. I call, they switch me to the cancellation department and I sit on the phone for hours. I've done this twice and I am now on the phone again waiting to be connected with an agent so I can cancel my policy.

      Business Response

      Date: 11/17/2022

      Business Response /* (1000, 5, 2022/09/27) */
      thank you for reaching out to use regarding the cancellation of the policy. Our office will use the BBB complaint as your authorization.

      thank you

    • Initial Complaint

      Date:09/08/2022

      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.
      The company fraudulently represented themselves. The company is collecting data to solicit. Finally, the representative fraudulently applied information to an application. I have verbally and written requested an application withdrawal before money was withdrawn from my account.

      Business Response

      Date: 11/03/2022

      Business Response /* (1000, 5, 2022/09/09) */
      thank you for bringing this to our attention. Our records indicate that you completed a zoom application on August 31, 2022. Your applications have been cancelled. If premiums were collected they will be refunded within 10 business days.

    • Initial Complaint

      Date:08/19/2022

      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.
      After having policies for several months, my financial situation changed so I tried to contact National Income Life Insurance to cancel my policies. I called the number on my policy issue letter, XXX-XXX-XXXX, and waited 20 minutes to be told I was to be transferred to the cancellation department. I waited on hold an additional 20 minutes to be told I was transferred to the wrong cancellation department, and transferred again to be placed on hold for another 20 minutes. I am a working mother and can't spend hours on the phone to do this. I need all of my policies canceled for myself, my husband ******* **********, and my son ******** ********** effective today, 8/19/2022.

      Business Response

      Date: 09/29/2022

      Business Response /* (1000, 5, 2022/08/22) */
      Our office apologizes for the inconvenience that Ms. ********** experienced when cancelling the policy.
      Based on her request, policies NYXXXXXXX-XX-XX will be cancelled as of the current paid to date of 08.25.2022.
      Please let me know if we can be of further assistance.


      Consumer Response /* (3000, 7, 2022/08/23) */
      (The consumer indicated he/she DID NOT accept the response from the business.)
      I also need policy NYXXXXXXX canceled.


      Business Response /* (4000, 9, 2022/08/24) */
      Our Policy Service Department caught my error and did cancel all three policies.
      I apologize for the inconvenience.


      Consumer Response /* (2000, 11, 2022/08/25) */
      (The consumer indicated he/she ACCEPTED the response from the business.)
      Thank you for promptly responding.

    • Initial Complaint

      Date:08/11/2022

      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.
      My husband was told he qualified through his job. We set up a zoom meeting on July 8, 2022 and went through the application process. We were told we would be emailed everything we had seen and signed that day, but did not receive anything. Letters dated for July 18, 2022 came in the mail saying we requested to cancel the application; we did not do anything of the sorts. We were charged on July 20, 2022 for the insurance policy. After contacting the agent working for ****** Agency who had set everything up, Jennifer Pugliese, we were told that they had no idea why it was canceled, but she would contact her supervisor and get back to us. We did not hear anything back and tried calling multiple times. After no calls being answered we sent a message to the agent, asking her to go ahead with the cancelation. We did get a call from her after sending the email and were told it would be taken care of. Documents dated August 4, 2022 came in the mail today (August 11, 2022) from the ****** Agency, with other attached documents from the agent. Only my name is on the policy. My husband tried reaching out to the agent throughout the day, but was not answered. I ended up calling (different phone number) and was answered straight away. The agent claimed to not have received any communication on our desire to cancel the policy and told me she couldn't cancel anything on their end. She then gave me a phone number to contact someone who could cancel the policy. The phone number belongs to a completely separate company out in Texas, having absolutely nothing to do with New York State or the insurance company.

      Business Response

      Date: 10/26/2022

      Business Response /* (1000, 5, 2022/08/16) */
      Our office apologizes for the inconvenience that Ms. ***** has experienced in trying to resolve this matter.
      National Income Life Insurance Company is the sister company to American Income Life Insurance which is headquartered out of Waco Texas.
      I am reaching out to Ms. ***** with the information she is seeking to get directions on how to move forward.


      Consumer Response /* (3000, 14, 2022/09/03) */
      ***Document Attached***
      Not only have I not received a refund, but somehow the application was put through again. They tried charging through the bank account, but thankfully that didn't go through.


      Business Response /* (4000, 17, 2022/09/07) */
      Policy NYXXXXXX issued to ***** ***** was cancelled as of the date of issue. A full refund of premiums in the amount of $11.60 was issued by check on 08.29.2022. The last premium drafted on this policy was 08.14.2022.
      Applications NYXXXXXX/64 were cancelled prior to the date of issue. No premiums were drafted.


      Consumer Response /* (2000, 19, 2022/09/10) */
      (The consumer indicated he/she ACCEPTED the response from the business.)
      I accept the proposed resolution because I am hopeful that I will actually receive a refund. I was told, however, that the refund would be deposited directly into the bank account, not in the form of a check. Although $11.60 is not the correct amount for what we have been charged for, I am so ready to be done with this whole ordeal. We continue to receive letters through the mail, stating that the policies are not cancelled. My husband and I have been receiving text messages from someone within the company as well, I am hoping that agent will stop doing that.

    • Initial Complaint

      Date:08/10/2022

      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 called to get information about my policy 3 different times. Once 37 minutes, second 42 minutes and third was 3 hours and 4 minutes. I then emailed through the website and was told I would have someone contact me within 48 hours. I got an email this am, stating the call volume is too high to return any phone calls from emails and gave me the same number I have waited too long for already. This is unacceptable service.

      Business Response

      Date: 10/03/2022

      Business Response /* (1000, 5, 2022/08/17) */
      Our office has not been able to locate a policy number under the name ********* *******. Please provide the policy number or the name of the insured.

    • Initial Complaint

      Date:08/09/2022

      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.
      I have gone back and forth with this company for and national life insurance company since my fathers death. I have provided these companies death certifications,last will and testaments,Poa's for both parents,resignation letters for both parents, you name it I've sent it. I've even dealt directly with the supervisor Kevin Harper. My reasoning for writing today is I sent the exact amount of the funeral cost for the shipment of my daddy's body container etc which was 4,677.00 which national life insurance ensured the funeral parlor the check would be there no later than June. Here we are Here we are August 9th and you sent a check through overnight mail for 4,489.39 which is short 160.39 not to mention now the late fee plus the embarrassment of not knowing the insurance never paid the funeral. Despite the fact that my dad had a 13,500 life insurance for burial costs there's still 8823.00 owed to me. I want to know how could there be such a mix up with the paperwork in file, and on your computers. I've had it with your mix ups and errors im sending a copy of this to the executives to this company and the better business bureau. Im tired of the games of this company and in death you will not play with my fathers dignity or embarrass my mother like this I'm sorry but this is not funny someone's insurance money waiting to be paid forward but your company has been paid years ago

      Business Response

      Date: 09/23/2022

      Business Response /* (1000, 5, 2022/08/11) */
      Our office responded directly to the complainant on August 9, 2022. A copy is attached.

    National Income Life Insurance Company is BBB Accredited.

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