Most helpful review

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Verified Reviewer
New Reviewer

I am trying to cancel my policy

I have an am still trying to cancel my policies with them. It has been over 3 months now. My first call into them to proceed with cancellation and refund resulted in incomplete process information. They told me write a letter and send to given address. I did. Nothing happened and I continued to be billed. My second call, I was told I had to mail request on a form that they would send to me. Forms never came. I followed up on a third call. I was told that they did not receive my request for the form despite me explaining to them that they were supposed to send the forms to me. Agent (after a failed first attempt and a fourth call) emailed me the form. Said it would take 3 to 5 business to have my refund DD into my account. I immediately filled out forms and emailed them to the e address they gave. Waited a week but not before calling my bank and asking them to put a stop payment on any AIL auto payment. Nothing. Until I noticed another payment to AIL from my bank! Called bank they apologized and refunded me. Called AIL and I was told I had not sent my cancellation forms to the right email address (remember, THE ONE THEY GAVE ME!) resent my email cancellation forms about 50 plus times AND was told it was cancelled by agent. Gut told me something was wrong as yet, there are 3 policies and it would seem they may have only cancelled one of them. After reassurances call ended. I have waited another two weeks - and I got a letter Friday from AIL! Finally I thought! But wait! Nope! It was a bill for outstanding amount owing for these policies. That was followed up with an email telling me my account was in arrears! Well done AIL Now I have to call Monday and chase after this again. They owe me about 8,000.00 dollars Beware and proceed at your own risk. Their incompetence is bewildering if not willfully corrupt.

User's recommendation: Buyer Beware!

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ID
#3403852 Review #3403852 is a subjective opinion of poster.
Location
Maple Ridge, British Columbia
Cons
  • Not having my money returned promptly
Preferred solution
Full refund

Claim

I put a claim in and I was just wondering what's going on with that and also after I put the claim in you guys still took a payment out and my mom already passed last month so if you can reverse the payment that would be great and I want to know the status of my life insurance for my mom to see if it's been sent out yet thank you
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ID
#3638241 Review #3638241 is a subjective opinion of poster.
Location
Denver, Colorado

To change auto withdrawal

The responding customer service was very helpful and pleasant, who took care of the problem with haste. Thank you for your generous service
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1 comment
#2164340

I received a professional and easy to understand insurance education by a wonderful gentleman who took his time to made sure everything was understood addressing my question with complete competence. I felt like this agent really cared about me and not the premium. He made sure I was aware, and he guided me into the perfect position for me and my family.

ID
#3452714 Review #3452714 is a subjective opinion of poster.
Location
Miami, Florida

Very untrustwothy

An agent sold me a policy, a couple years later an agent says he wants to up date my policy and we have a virtual meeting amonth later I discover they are taking payment for two policies for the same thing. This agent has opened a new policy I know nothing about as I never recieved any paper work.. So I stop payment and ask them to cancel all my policies and they send me a form to do so. They keep billing me even after I send them the cancilation forms They claim they did not racieve them even thow they recieved my sisters forms that were in the same envelope.After some back and forth emails they all of a sudden found and inform I have three other policies I knew nothing about and I had to submit cancelation papers for these three policies I did not autherise. Beware of this company as they have many complaints to the BBB.

User's recommendation: Stay away from this company.

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ID
#3042774 Review #3042774 is a subjective opinion of poster.
Location
Kelowna, British Columbia
Last year, I received a call from an agent from American Income Life Insurance by the name Tyrese Holland, stating I needed to update my insurance policy and due to the pandemic, they weren't able to come to the house, and we had to discuss this over the phone. He...
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1 comment
#2049202

I went to this site because there have been two different agents" calling our house the past two days. They both have said they work for AIL.

One said he is a Regional Director for AIL & my husband's policy came across his desk & something(I couldn't understand on the recording) is coming to an end & he needs to get everything together.

The other said he works for AIL & is trying to get a few things wrapped up & wanted to ask a couple of questions. They both talked very fast & left numbers, but we haven't returned their calls because of not knowing if it's real or a scam.

ID
#2716325 Review #2716325 is a subjective opinion of poster.
Location
New Richmond, Wisconsin
New Reviewer

HORRIBLE CUSTOMER SERVICE

i been calling to cancel my policy because i cant afford it first time they tried lowering it and then the phone disconnected second time they told me i couldnt cancel the policy because its still under review now my account is going to go in the negative

User's recommendation: cancel policy.

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ID
#2708594 Review #2708594 is a subjective opinion of poster.
Cons
  • Refuse to cancel my policy
  • Lack of communitcaion
  • Not having my money returned promptly
Preferred solution
terminate policy

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Verified Reviewer
New Reviewer
Update by user May 01, 2021

not resolved!

Original review posted by user May 01, 2021
We pay this company $192.00 a month. My husbands surgery was 01/11/21 he had a mass removed from his brain ( was binyn ). He has recovered and is finally back to work, but they still haven't processed his claim, it's still pending! This was to help us pay...
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2 comments
#2009188

Gilbert, we're sorry to hear of this claim situation. We'd like to investigate this claim further but need you to please email us your name, the policy holder's name, the policy #, the reason for your inquiry, your phone number, and the best time to call you to pos@ailife.com.

We'll have a supervisor contact you as soon as we've investigated why this claim hasn't been paid. We apologize for the inconvenience this has caused you and your family.

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ID
#2530549 Review #2530549 is a subjective opinion of poster.
Service
American Income Life Claim
Cons
  • Lack of communitcaion
Preferred solution
Let the company propose a solution

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
New Reviewer

I believe they r not a reliable company they try to sell u a policy more than u need

They r trying to have me pay for a policy my husband took out n he is dead but still want me to pay monthly n I told them I don't want it now I'm waiting to see what they r gonna do with that policy or am I even gonna get the money due to me since he died lol we will see n if not they hadn't heard the last of me they r very stupid

User's recommendation: Do not take American income life they will cheat u no matter what u. Want.

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ID
#2503920 Review #2503920 is a subjective opinion of poster.
Preferred solution
Full refund
New Reviewer

Failed company

Our daughter died November 2nd 2020. She was a child Ryder on my wifes policy. After her death we find out all the information on both policies was incorrect such as her name age birthdate etc. after giving them all the information they requested they then told us they would pay the benefit. That was a month ago now they will not pay because the name on the policy is not the name of our daughter therefore there is no claim. Be very careful with their field agents who falsely fill out the forms such as names birthdates even where ther born

User's recommendation: Do not buy from this company.

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ID
#2483500 Review #2483500 is a subjective opinion of poster.
Service
American Income Life Life Insurance
Cons
  • Rip off
Loss
$500
Preferred solution
Deliver product or service ordered

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
New Reviewer

DEALING IN BAD FAITH

IT HAS BEEN 10 MONTHS SINCE I FILED A CLAIM AND AIL CONTINUES COMING UP WITH FRIVOLOUS EXCUSES TO DELAY MY CLAIM.

User's recommendation: DON'T BUY INSURANCE FROM AIL.

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ID
#2426133 Review #2426133 is a subjective opinion of poster.
Location
Waco, Texas
Service
American Income Life Claim
Cons
  • Bjsmith
  • Lied to me
Loss
$12200
Preferred solution
Full refund
New Reviewer

POOR Customer service.

This company is suspect. They are glad to take your premiums but try to cancel a policy or make a claim, and it is the great RUN AROUND. A simple cancellation and information process is extremely challenging and trying to cancel or get information. Waiting for a representative was said to be 10 minutes, 23 minutes later a very nice woman answered the representative just kept spouting the company line never brought satisfaction or resolve regarding the customer service call.

User's recommendation: Find another company.

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ID
#2342801 Review #2342801 is a subjective opinion of poster.
Location
Berlin, Massachusetts
Preferred solution
Cancellation of the policy

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
New Reviewer

Cancellation of claim

Update by user Dec 05, 2020

Everything has been resolved. They happily cancelled my application and sent me a full refund.Everthing is good.

Original review posted by user Nov 05, 2020
I changed my mind and I want my claim cancelled. I cannot afford it. I told my representaive (Josh) to cancel it inside the alotted time to change my mind. I had $125 taken out of my account without signing any documents except for a medical clearence and banking information. Due to this, I also had a $48.00 NSF charge from my bank. I am on minimum wage and I don't want this. I have tried to make contact with Josh multiple times and have not heard from him other than a text with a document download (I assume because I don't have data on my phone and couldn't open it) I requested to send said document via e-mail and no response. I am not pleased at all with the tactics and non-response. I WANT THIS CANCELLED!
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ID
#2267354 Review #2267354 is a subjective opinion of poster.
Location
Windsor, Ontario
Loss
$125
Preferred solution
Full refund

Pain in the ***

I have a union job and these *** will just show up to your house unannounced I'm interrupting what you are doing and interrupting your day and try to pressure you into buying some insurance that you don't need or don't want. They will also call you on the telephone and try to get a virtual meeting with you and when they call you they are kind of pushy. I don't like them and I want them to stay the *** away from my house and never call me again or I will take legal action against them.
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1 comment
#1966700

We have one calling us nearly everyday for the last month and a half. Leaves the same message everytime.

Wants to do a virtual meeting that we didn't ask for, which feels like it'll turn into a high pressured sales pitch. She's very annoying and we want them to stop harassing us.

ID
#2224668 Review #2224668 is a subjective opinion of poster.
Location
Seattle, Washington
New Reviewer

I was an employee and have not been paid

I was hired as an agent and told I would receive a base salary of $500 per week during my training. As of to date, I have not been paid. My next step will be with the labor board if I do not hear back. Thank you
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1 comment
#2010969

And you will not get paid unless you made a sale; that is what they mean by paid training. Sounds like you fell for this get rich quick mlm and you really need to research companies in the future before working for them.

The jobs are 1099 commission only, anything else they imply is a lie.

Take this as a lesson learned. Labor board cannot help you.

ID
#2030521 Review #2030521 is a subjective opinion of poster.
Preferred solution
pay me my base salary

Need my policy canceled. Please, I should not have to ask more than 3 times. I should I only need to write one time. I also told my agent when I mailed in. But yet I was still charged.

I mailed a written cancellation for a policy for my daughter that's a ten-month-old back in March 3 weeks before it was due. That means they received a cancellation at least 15 days before it was due. I emailed a few different email addresses, which is completely ridiculous. That one written notice should have canceled my policy. But I have yet to receive anything stating that they cancelled my policy, I guess they would rather receive $3.60 a month from somebody who is completely poor and cannot afford it and get negative complaints due to custoner service??? Just emailed 3 different emails for underwriters, disobey service, and management. We will see if I get anywhere I may have better luck with my bank. Seeing this site I understand why I have not received any responses. Horrible customer service I don't understand why people can't do their job and the sales agents who sign you up for a policy are only in it for your money. They are not there to help you as they say, and my sales agent was actually training with a very pushy salesmen and he ended up pushing me into a corner to get my kids signed up since I couldn't afford the adult policy plan. Now I can't even cancel it. Now i know why they wafted me to sign that day.

User's recommendation: Read research - AIL... DO NOT GET STUCK LIKE ME. Do not sign up with this company. Go with a better company either through your employer or a highly recommended Life insurance Company.

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1 comment
#1942333

Get a stop-payment order on your bank account. It's worth the 30 bucks.

Beyond that, if you kept a copy of everything, do not pay any invoice from here on out. Its not a reportable offense to your credit score and should simply lapse like any other insurance policy.

This company is a complete ghost the moment you want to leave. Their BBB reviews are very telling.

ID
#1850754 Review #1850754 is a subjective opinion of poster.
Location
Conshohocken, Pennsylvania
Service
American Income Life Customer Care
New Reviewer

Need to change my address and bank account numbers and bank name

new address and bank and account numbers
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ID
#1674412 Review #1674412 is a subjective opinion of poster.
Location
North Royalton, Ohio

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