Complaints

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:07/21/2025

  Type:Billing 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 was diagnosed with Stage 4 terminal cancer in May of 2025. Since im terminal and my policy allows it, I filed a claim for accelerated death benefits in the manner directed by the insurance company on June 26. July 16th, they finally got around to opening my claim, and in fact only did so because I called them and insisted. They told me they'd received it on June 26th but hadn't gotten to it yet because they are behind and don't have enough people working to keep up with backlog. After phone calls by me to them over multiple days they have agreed that: 1) THEY HAVE RECEIVED ALL THE AVAILABLE RECORDS that indicate the diagnosis i received in MAY 2025; but are 2) REQUESTING ADDITIONAL RECORDS dating back 2 years from facilities Ive either never been to, haven't been to in 2 years (well before my diagnosis), or facilities who have records THEY ALREADY HAVE from me and/or my doctor (they are requesting duplicates). They cannot explain why they requested these additional records from places who have not given me treatment for this, other than to "gather the history of the diagnosis" and it's their "policy". Yes I do believe it absolutely is their policy to BLATANTLY DELAY PAYING MY CLAIM by ordering irrelevant and extraneous "records" from random facilities, that I have to pay $ to be sent ***, and then tell me they "have to wait to receive and review medical records". This is an absolute racket. Once again - I'm dying, American Amicable has admitted they already have ALL AVAILABLE records that support my stage 4 diagnosis, yet REFUSE TO PAY THE CLAIM. Please help!!

  

  Business Response

  Date: 07/29/2025

  July 28, 2025
  
  
  BBB Corporate Office
  **********************************
  *******
  ****************
  
  
  RE: Complaint ID: ********
  
  To whom it may concern:
  
  We received completed claim forms necessary to open a Terminal Illness Accelerated Death Benefit Rider claim on June 26, 2025 and medical records were requested on July *******. Medical records were received on July 17, 2025 and the claim was finalized on July 21, 2025. A check for the benefits, in accordance with the policy provisions, was mailed to the complainant on July 22, 2025.
  
  Please contact us if you have any questions, or if we may be of further assistance. Our toll-free number is **************. Our email is **************** We are glad to be of service.
  
  Sincerely,
  
  RXS
  Senior Claims Analyst
  Claims Department

  Customer Answer

  Date: 07/30/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me, although I do want to correct their timeline. They sent a records request AND RECEIVED said records on the same day, July 15th. Also it took a full 7 days to receive the check once it was cut. Otherwise,the business was very responsive and resolved this problem in a professional and timely manner.

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

• Initial Complaint

  Date:06/09/2025

  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.

  My companion died in December 21, 2024 I called American amicable and sent them all the information they requested, I sent it by postal, fax, email. They keep requesting the same information but when I call they say they have the information but theyre waiting for Medical but during the phone call is well were missing this and were missing that and I say I have it right here that I sent it and then the lady on the phone says oh yeah I see it now they are giving me the runaround. they are liars, and they do not want to give up with the money. I need help! It is only $5000 but that is a lot of money to me and I needed at this time. She left me the house but I am not sure yet how I am going to pay for it. I have a lot of expenses and all of this. ******* and hawing ,trying not to pay. It is extremely frustrating and depressing. Any help you could give me would be greatly appreciated. Sincerely, ******** *********.

  

  Business Response

  Date: 06/18/2025

  June 18, 2025
  
  
  BBB Corporate Office
  **********************************
  Ste 100
  ****************
  
  RE: Complaint ID: ********
  
  To whom it may concern:
  
  We received notification of the insureds death on January 14, 2025 and claim requirements were emailed to the complainant on January 27, 2025, requesting a copy of the death certificate for the insured, a claimant's statement completed and signed by the beneficiary, a physicians statement, and a ***** compliant authorization to be signed by the insureds next of kin. On January 30, 2025, we received a copy of the death certificate, claimants statement and physicians statement. Since the claimants statement and physicians statement were poor quality, we sent a follow up on February 4, 2025 for legible copies of these items and the ***** compliant authorization. On March 24, 2025, we received the requested documents. Since the ***** compliant authorization had a relationship listed as Executrix, a copy of the appointment of the Executrix for the Estate and a clearer copy of the death certificate was requested on April 21, 2025.
  
  On May 1, 2025, we received the first page of the Last Will and Testament of ****** ******* and on May 15, 2025, we requested the full Last Will and Testament and a copy of the appointment of the Executrix for the Estate. On May 18, 2025, we received another copy of the ***** Compliant Authorization and on June 9, 2025 we again requested full Last Will and Testament and a copy of the appointment for the Executrix of the Estate. Since we received the full copy of the Last Will and Testament with this complaint on June 9, 2025, we were able to open a request for medical records for the claim.On June 10, 2025, we notified the beneficiary that medical records were requested. Once the medical records are received, we will be able to complete our claim review.
  
  Please contact us if you have any questions, or if we may be of further assistance.  Our toll-free number is **************.  Our email is **************** We are glad to be of service.
  
  Sincerely,
  
  RXS
  Senior ***********************************

  Customer Answer

  Date: 06/19/2025

  Complaint: 23443888
  
  I am rejecting this response because:They were Faxed EVERYTHING March 24,2025
  Also I am waiting for ***** to send me the medical records which will be here towards the 19 or 30th of this month and I will Fax those as well. Why did I sign the Hippa if I am getting these now? Also I hand wrote all the Drs I knew of on the 30th of January? I believe after they receive the paperwork again they will find something to prolong this! 
  Regards,
  
  ******** *********

  

  Business Response

  Date: 06/30/2025

  June 29, 2025
  
  
  BBB Corporate Office
  **********************************
  *******
  ****************
  
  RE: Complaint ID: ********
  
  To whom it may concern:
  
  On March 24, 2025, we received 8 pages via fax from the complainant. The pages included the fax cover sheet (which lists the total page count as 8), a copy of our request letter, the claimants statement (2 pages),a page listing medical facilities, the ***** Compliant Authorization to Release Confidential Medical Information, the physicians statement, and a copy of the death certificate. Since the ***** compliant authorization had a relationship listed as Executrix, a copy of the appointment of the Executrix for the Estate and a clearer copy of the death certificate was requested on April 21,2025.
  
  Once the full copy of the Last Will and Testament was received with the initial complaint on June 9, 2025, we were able to open a request for medical records for the claim. On June 10, 2025, we notified the beneficiary that medical records were requested. Once the medical records are received, we will be able to complete our claim review.
  
  Please contact us if you have any questions, or if we may be of further assistance.  Our toll-free number is **************.  Our email is **************** We are glad to be of service.
  
  Sincerely,
  
  RXS
  Senior ***********************************

  Customer Answer

  Date: 06/30/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Regards,
  
  ******** *********

• Initial Complaint

  Date:06/09/2025

  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 a policy for ***** dollars with them. I have been paying for it for 2 years now . a person named ******** ******** IV called and said he was with the American-AmicableGroup and I explained my policy and he told me I was over paying and for just 30 cents more I could get ****** dollar policy. my original policy number is **********. The new policy number is **********. I was paying ***** month and now it would be *****. the problem I am having is they took the money out of my account for this twice, I called every number I have for these people and even this ******** ******** to ask why they would do this and I got no response from anyone. I want to know if this is a scam to get money out of me, I am not paying for this twice! I want this fixed please! My next step will be to call my bank and file a fraud claim and get my money back. I am not paying for both policies. This was never told to me and why can I not get an answer from any of them? Not even the agent this ClarenceFranklin.Please help me I need to know why and this to be fixed. I will get an overdraft at the bank , I only put money in to pay my bills every month and now they took it out twice! If it is a scam I'm not falling for this! I check my bank every day!

  

  Business Response

  Date: 06/09/2025

   Hello,
  
  Mrs. ******* applied for and was issued a $9,000 Whole Term Life Insurance policy that was issued 5/3/25. The writing agent was ******* *******.  The original policy package was sent on 4/24/25 directly to Mrs. ******* to her address at ******************************************. The policy is set up on automatic bank draft for the 3rd of every month for $69.23. Attached is a copy of the voice-signed life insurance application with the voice recording. 
  
  Mrs. ******* applied for and was issued a $10,000 Whole Term Life Insurance policy that was issued 6/3/25. The writing agent was ******** ********.  The original policy package was sent on 5/5/25 directly to Mrs. ******* to her address at *********************************. The policy is set up on automatic bank draft for the 3rd of every month for $69.57. Attached is a copy of the voice-signed life insurance application with the voice recording. 
  
  On the 2nd policy written (**********), it was not selected to replace the first policy (**********). With that, both policies remained active and sent to the bank on the 3rd causing a payment on both policies to be made. 
  
  If you wish to cancel, before the cancellation can be processed, it will be necessary for you to Complete and Sign a copy of the Policy Cancellation Request form that is attached to this email.  You will need to include your policy number or your social security number so that your policy can be located. The form can then be faxed to our office at **************, scanned and sent through the email address *********** which is also listed on the form,  or mailed to PO Box 2549, Waco, *******; 76702-2549.   
   
  Please be advised that you may also be able to access this form by logging on to our website at ****************************************************. Upon receiving all of the required information, your policy will be cancelled, and a confirmation letter will be mailed to the address you provided. If you need immediate assistance, you may also contact a representative in our Policy Services Department at **************. We are available Monday through Friday, 8:00am-4:00 pm Central Standard Time.
  
  

• Initial Complaint

  Date:05/31/2025

  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.

  On May 23rd I received a call from American amicable. They said they knew I had a dental radiology license and they could offer me a special premium, that the general public could not have. I talked almost an hour to agent, and went ahead a d electrically signed a health insurance policy. I attempted to call the 3 numbers they gave me to call back and cancel if I didn't want to keep it.I wasn't able to get through at all!!!I processed a cancelation request on line on their one website. 3 days later they still withdrew 2 different transactions ( $95) & ( 10)..I was finally able to talk to a agent and she said she needed my banking information to process cancel.I explained I gave more then enough personal information when I bought policy .She then told me policy refund can take up to 60 days.

  

  Business Response

  Date: 06/17/2025

  Hello,
  
  Mr. ***** applied for and was issued a $22,236 Whole Life insurance policy that was issued 5/27/2025. The writing agent was ******* ********.  The original policy package was mailed on 5/23/25 directly to Mr. ***** to his address at ******************************************************. The policy is set up on automatic bank draft for the 27th of every month for $95. Attached is a copy of the e-signed life insurance application with related forms which also provides the email address, IP address, date, and time of when the e- signature was obtained for your review.  
  
  Currently the policy is canceled effective 5/29/25. The first premium payment was sent to the bank on 5/26/25. A call was made to the **************************** on 5/25/25 requesting cancelation of the policy. Due to the amount of the premium refund, we placed a 30-day hold to ensure the funds clear the bank. On 6/9/25, we received response from the bank stating Auth Revoked. No refund is due at this time as no payment was ever received. A copy of the original confirmation cancelation letter is also attached for your review. 
  
  

• Initial Complaint

  Date:05/20/2025

  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 didnt know I had a Life Insurance Policy with them and they was taking money out of my bank account and I dont have a policy in my hand and theyve been doing this four months and I just find out.

  

  Business Response

  Date: 05/20/2025

  Hello,
  
  Mrs. Clover applied for and was issued a Final Expense Whole Life insurance policy that was issued 2/15/25. The writing agent was ******* ******.  The original policy package was mailed on 2/3/25 to the writing agent at address at ********************************************************************************. The policy was set up on automatic bank draft for the 15th of every month for $95.78. There was a call made to Client Experience on 5/15, in which a cancel form was mailed out to be completed. Attached is a copy of the physically-signed life insurance application.
  
  Due to the issues and the nature of customer satisfaction, the policy will be canceled as Not Taken and all money will be refunded and sent back to the bank account on file. Per our policy, the last bank draft will be held for 30 days from the date of the draft due to the amount being over $75. You can send a copy of a bank statement to ************ showing the charge has cleared your bank for immediate refund of all funds. Letter will be sent to the address on file as confirmation of the cancelation.
  

• Initial Complaint

  Date:05/19/2025

  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.

  Made the mistake of talking to a scam artist, I did not agree to the life insurance policy I'm being charged with, he was supposed to send me paperwork to read and sign off on? I haven't received any type of paperwork, I just want them to stop taking money out of my bank ************** dollars a month for like no coverage at all, plus the over drafts 35 dollars also, I'm out over 325 dollars if possible just make em stop.

  

  Business Response

  Date: 05/19/2025

  Hello,

  Mr. ****** applied for and was issued a $12,000 Whole life insurance policy that was issued 3/15/2025. The writing agent was ***** Quicksilver. The original policy package was mailed on 3/2/2025 directly to Mr. ****** to the address at *****************************************. The policy is set up on automatic bank draft for the 15th of every month for $75.55. Attached is a copy of the voice-signed life insurance application with related forms which also provides the email address, IP address, date, and time of when your voice- signature was obtained for your review. 
  
  We regret your decision to cancel your policy as it provides valuable protection and security.  However, before the cancellation can be processed, it will be necessary for you to complete and sign the Policy Cancellation Request form that is attached to this email.  Please also state on the form you are requesting refund for the premiums.
  
  If you need immediate assistance, you may also contact a representative in our **************************** at **************. We are available Monday through Friday, 8:00am-4:00 pm Central Standard Time.

• Initial Complaint

  Date:04/28/2025

  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.

  I was enrolled in this insurance through a fake company that found my information online through my state license, I did not agree to this ********************** to be my life insurance plan and when I attempted to contact them they never responded. I would like my policy cancelled and my money reimbursed. This company has accepted a policy made by an unauthorized 3rd party.

  

  Business Response

  Date: 04/28/2025

  Hello,
  
  Mr. ******* applied for and was issued a $216,654 Level Term Life Insurance policy that was issued 3/28/25. The writing agent was ******* ******.  The original policy package was sent on 3/26/25 directly to Mr. ******* to his address at ********************************. The policy is set up on automatic bank draft for the 28th of every month for $124.00. Attached is a copy of the e-signed life insurance application with related forms which also provides the email address, IP address, date, and time of when your e- signature was obtained for your review.     
  
  If you wish to cancel, I have attached a needed Cancelation Request Form the owner will need to complete, sign and date. We regret your decision to cancel your policy as it provides valuable protection and security. Once received, the policy will be canceled as Not Taken and all money will be refunded. 
  
  You will need to include your policy number or your social security number so that your policy can be located. The form can then be faxed to our office at **************, scanned and sent through the email address *********** which is also listed on the form,  or mailed to PO Box 2549, Waco, *******; 76702-2549.  
  
  Please be advised that you may also be able to access this form by logging on to our website at ****************************************************. Upon receiving all of the required information, your policy will be cancelled, and a confirmation letter will be mailed to the address you provided. 
  
  If you need immediate assistance, you may also contact a representative in our Policy Services Department at **************. We are available Monday through Friday, 8:00am-4:00 pm Central Standard Time.
  
  

• Initial Complaint

  Date:04/15/2025

  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.

  My mother passed away last week. She paid $50 a month for 2 years to have life insurance. Now they won't contact me or send me the proper paperwork. There's no way to contact them on phone. I have no way to pay for her to get cremated

  

  Business Response

  Date: 04/28/2025

  April 25, 2025

  BBB Corporate Office
  **********************************
  Ste 100
  ****************

  RE: Complaint ID: ********

  To whom it may concern:

  We were notified of the insureds passing in on April 7, 2025 and a claim requirement letter was
  emailed to the complainant on April 16, 2025, requesting a copy of the death certificate for the
  insured and a separate claimant's statement completed and signed by each beneficiary.
  We have yet to receive the completed claim documents necessary for processing the claim.
  Once the outstanding requirements are received, we will be able to process the claim.
  Please contact us if you have any questions, or if we may be of further assistance. Our toll-free
  number is **************. Our email is **************** We are glad to be of service.

  Sincerely,

  RXS
  Senior Claims Analyst
  Claims Department

• Initial Complaint

  Date:04/14/2025

  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.

  Upon checking my bank statements, I noticed an unauthorized charge on my card from American Amicable. Immediately, I contacted my bank about the fraud and also reported to American Amicable support of the incident. They informed me an account was opened for me by a person named ******** *******, who I do not know. I told them I do not know the person and would like my account closed. In order to close the account, they are asking for my social security and bank ACH information to which I am not comfortable sharing. The support staff also appears to not be taking the fraud attempt seriously as if this is a normal occurrence to them. My bank has already returned me the money and I would just like to ensure the insurance company does not charge me further for a service I never signed up for and possibly to prevent them from opening anymore unwanted accounts from other victims. My suspicion is ******** is an agent who receives commissions for every account they open. I don't know how my bank information was stolen, probably phishing or data breach.

  

  Business Response

  Date: 04/14/2025

  Hello,
  
  Mr. ****** applied for and was issued a $170,000 Level Term Life Insurance policy that was issued 3/17/25. The writing agent was ******** *******.  The original policy package was sent on 3/20/25 directly to Mr. ****** to his address at ***************************************. The policy is set up on automatic bank draft for the 1st of every month for $35.17. Attached is a copy of the e-signed life insurance application with related forms which also provides the email address, IP address, date, and time of when your e- signature was obtained for your review.     
  
  If you wish to cancel, I have attached a needed Cancelation Request Form the owner will need to complete, sign and date. We regret your decision to cancel your policy as it provides valuable protection and security.
  
  You will need to include your policy number or your social security number so that your policy can be located. The form can then be faxed to our office at **************, scanned and sent through the email address *********** which is also listed on the form,  or mailed to PO Box 2549, Waco, *******; 76702-2549.  
  
  Please be advised that you may also be able to access this form by logging on to our website at ****************************************************. Upon receiving all of the required information, your policy will be cancelled, and a confirmation letter will be mailed to the address you provided. 
  
  If you need immediate assistance, you may also contact a representative in our Policy Services Department at **************. We are available Monday through Friday, 8:00am-4:00 pm Central Standard Time.
  
  

• Initial Complaint

  Date:04/10/2025

  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.

  I noticed some transactions on my grandmother's bank account for a recurring charge of $145.40. I quickly realized the transactions went all the way back to May 30, 2023 to today. Before I called ********** to dispute the transactions, I googled this company to see if maybe we were paying a bill and they use a different name to process the *** debits. We did not make any transactions with this company. We checked our emails to see if we ever received any emails form them, nothing. We checked our old mail, NOTHING. They have just been stealing money from my grandma all this time. It amounts to $3,198.80 for 22 months of transactions. I asked all her kids about it (my uncles and aunts) no one is familiar with the company. Mind you, my grandmother doesn't speak English so there's no way she did any business with them. I even went on their website and there's no information for an account in my grandmother's name. Once I called ***** they can only go back 60 days for unauthorized transactions, so they are going to get away with thousands of dollars.

  

  Business Response

  Date: 04/11/2025

  Hello,
  
  Mrs. ****** applied for and was issued a $15,000 Whole Life Insurance policy that was issued 5/25/23. The writing agent was ****** *****.  The original policy package was sent on 5/5/23 directly to Mrs. ****** to her address at *********************************************************. The policy is set up on automatic bank draft for the 28th of every month for $145.40 . Attached is a copy of the e-signed life insurance application with related forms which also provides the email address, IP address, date, and time of when your e- signature was obtained for your review.