American Income Life Reviews
American Income Life Overview
The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.
American Income Life has a 1.5 star rating from 36 reviews, 33% would recommend, and consumers are mostly dissatisfied; price level rated high and many request refunds or cancellations.
Key Takeaways for Future Customers
- Read American Income Life reviews before enrolling and verify agent claims.
- Track auto withdrawals and keep written cancellation evidence.
- Expect to escalate billing or refund issues and document every contact.
Negative Feedback / Risk Areas
- Frequent customer complaints about unauthorized billing and bank drafts.
- Refunds and cancellations often delayed or mishandled.
- Poor customer service, claim processing delays, and agent misrepresentation.
Positive Feedback
Some customers praise friendly agents and clarity of the product; a few note helpful service resolving payment issues.
The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.
American Income Life has a 1.5 star rating from 36 reviews, 33% would recommend, and consumers are mostly dissatisfied; price level rated high and many request refunds or cancellations.
Key Takeaways for Future Customers
- Read American Income Life reviews before enrolling and verify agent claims.
- Track auto withdrawals and keep written cancellation evidence.
- Expect to escalate billing or refund issues and document every contact.
Negative Feedback / Risk Areas
- Frequent customer complaints about unauthorized billing and bank drafts.
- Refunds and cancellations often delayed or mishandled.
- Poor customer service, claim processing delays, and agent misrepresentation.
Positive Feedback
Some customers praise friendly agents and clarity of the product; a few note helpful service resolving payment issues.
Media from reviews
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 |
Kennewick, Washington
I canceled my policies with you...
- - Customer canceled policies and asks if the cancellations are official.
- - System showed after-hours during a 3pm call; cancellation form may be submitted.
I canceled my policies with you recently. I was just wondering if my policies are officially cancelled.
I tried calling customer services, but it said that I called after hours, even though it was only 3 pm when I called. I'm pretty sure I filled out a cancellation form, but I just wanted to make sure everything was cancelled.
Thank you.
Tiffany Woodrich
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 |
Kansas City, Missouri
I was disrespected by an agent named...
- - The agent yelled, pressured me to reinstate my husband's policy at a higher premium, claimed 7 calls, and hung up when I objected.
I was disrespected by an agent named Brandon, phone number 205-358-****. He was yelling at me and telling me that my husband's policy needed to be reinstated at a higher price for more insurance.
I kept telling him I couldn't afford a higher premium, but he kept insisting that I needed to do this. I kept reminding him repeatedly that I couldn't afford a higher premium. I also asked him why my husband's policy needed to be reinstated if it hadn't been canceled, other than to sell me higher insurance.
He also told me they had called me 7 times, which they had, and I had told them before I couldn't afford a higher premium then. I didn't appreciate the attitude he gave me, then he hung up on me.
Preferred solution: Apology
User's recommendation: agent should contact you in person not by phone
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 |
Austin, Texas
Hola, sirva el presente para notificar...
Hola, sirva el presente para notificar mi cambio de dirección reciente al 27/07/2026.
Nueva dirección: 9826 N Lake Creek Pkwy, Unit 1, Apt. 1204, Austin, Texas, 78717.
- Empresa seria reconocida de amplia trayectoria
Preferred solution: Deliver product or service ordered
User's recommendation: Plataforma sencilla de utilizar. Amigable.
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 |
Newport, Virginia
Drafting bank account but failing to post on policies
- - Funds drafted to a new account appear misplaced.
- - There was staff pushback when asking to speak to a higher-up.
Bank information changed. They drafted new acct and have MISPLACED the funds apparently. My new bank has the sequence number information/confirmation that the payments were processed by their company BUT they are stating they never received them.
After multiple calls trying to clear this up and a trip to my new bank to get information on transactions, I am now under the belief that I have been placed in some client notes as 'unruly' as when I ask to speak to someone else or a higher up, they tell me I can deal with them.
This is ABSOLUTELY unacceptable: to accept payment, misplace the payment, have the client provide YOUR own sequencing where you received the funds then call a client a liar.
This company is just looking for a gap to drop you as a client and collect the funds youve put in.
- Are friendly at first
- Are not friendly once you sign up
Preferred solution: Apology
User's recommendation: Don't trust this company
Lawrenceville, Georgia
*** poor just want money $24 in one day for this place and they’ve chose me twice and I didn’t have the money in there because I didn’t know I had a payment here. I will try to get me approved. He ca
I need to know when Ive become a customer of yall that you would take money out of my bank two different times and I never know that was a customer when I can speak with someone Ill explain more. I feel so you know, though the company knows.
User's recommendation: Be careful
East Wenatchee, Washington
Policy No. 382**** please cancel my...
Policy No. 382****
please cancel my policy.
I assumed when my automatic withdrawals weren't accepted I would hear from the company. Thank you
Palmetto, Georgia
I been trying to cancel my policy for 2 months his birthday is not right been senting information to them always something wrong with it they are giving me running around I am tired of it
Tried of zoom meeting the person you suppose to talk to ending up talking to someone else never the same one can't talk to 1 person always a different person tired of it 
North Las Vegas, Nevada
I have 2 life ins policies guess which one I'm going to cancel I was on hold 3 hrs
Nothing has happened except more money being taken from my bank account
Answer the dang phone you destroyed a whole day for absolutely nothing I too have a life away from the phone!
- Misrepresent themselves at every step
- Being put on hold repeatedly
- Lack of communitcaion
Preferred solution: Full refund
Los Angeles, California
Trying to pay insurance
Texas number is not working and customer service you can't get thru what is going on I am just trying to pay for insurance and I frustrated. You send a letter saying one of my policy is past due .
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 ReviewerAbsolutely HORRIBLE customer service
- - Avoid this company; cancellations have dragged on for six months.
- - Five months to send paperwork, and a payment was attempted after two weeks.
Stay completely clear from this company, I can't stress that enough. I'm currently in the process of cancelling my policies with them...
A process that is going on SIX MONTHS now.
It took them five months to send me the paperwork I needed to sign, and two weeks after sending back said paperwork, they've just attempted to take another payment.
This all started because of confusion over a replacement policy versus a second policy. For it to take five months of run-around before getting the paperwork, just imagine how long it'll take for them to make good on insurance payouts for you, or your loved one's.
- Literally everything
Preferred solution: Full refund
User's recommendation: Never trust them to fulfill ANY requests
Send me the cancellation paperwork so I can get my money back
- - In 2018 they bought a policy for their granddaughter and expect $87 back; cancellation paperwork promised but delayed.
I got screwed in 2018 taking out insurance policy for my granddaughter and all the money that I put into it normally getting $87 back and they said they were gonna send me out cancellation paperwork and then theyll get paid going on way too long I want my money. Call me 603-377-**** or I am gonna call my attorney within 10 minutes. Bye
User's recommendation: Don’t buy from them
Carbondale, Illinois
Was told untruth info from ins agent and the preamiam was taken out on a day other than quoted to me I called and cancel the policy on or two days after they was to canceled finally got it cancelledo
- - The premium was reimbursed by my bank.
- - They will pursue the life insurance company to recover the money.
- - I bank with Navy Federal Credit Union.
Im glad I just got the preamiam reimbursed from my bank and they are going to go after am life ins co to recover the money to recover there money if it wasnt for the great banking instatuteion I bank with probably would have never got my money which is navy federal credit Union thank god for co as theres is
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 ReviewerScaam
- - Canceled son's policy two months ago.
- - No cancellation form received for payout.
- - Dasha says the form will be resent.
I canceled my son's policy two months ago and I have yet to receive the official cancellation form that I must sign to receive my payout. For reference, I had the policy for 14 years.
Every time I call, Dasha tells me they will resend the form. I have requested to speak with a supervisor and have been unsuccessful.
Maybe it's just me, but I have never called a 1(800) number and got the same person each time. Something isn't right with this company!!!
- Many
Preferred solution: I would like a supervisor to contact me directly.
User's recommendation: Avoid this company!!! It's a scam!
We're very sorry we didn't provide the service you expect and deserve. This lack of service you experienced is unacceptable to us and if this cancelation issue is still unresolved, please email us details of your experience including your name, policy number, and the best number and time to reach you at pos@***.com or call us directly at our AIL Customer Service number 1-800-433-****. We're sorry for the inconvenience this has caused you and look forward to hearing from you soon.
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This review is written by an individual who has purchased the reviewed product/service and/or confirms being a paying customer of this company. Check our FAQ
Verified Buyer |
Warsaw, Ohio
I wanted dental insurance for husband. Got life insurance with higher fee than quoted
- - Tried for dental insurance; it comes with an accident bundle.
- - Quoted $48; $76 withdrawn.
- - They claimed to be a Life Insurance firm; mailings were mixed.
Tried to get dental insurance. Was told that with a bundle of accident insurance I would get dental.
Told agent to get lowest cost possible for dental. Was quoted $48. Gave company bank info. $76 was taken from checking.
Called company directly and was told they were Life Insurance company.
Got a different mailing every week or less for 3 months. One time was a welcome letter,next a cancellation letter and that they would send me to collections, then a welcome, then a pending cancellation I wrote them a letter to cancel when I received my policies, now they sent a form to make out asking for same info I had in letter.
User's recommendation: Steer clear of American Income Life Insurance
We're very sorry to learn of your experience with AIL and appreciate your feedback. The situation you described is unacceptable and we'd like to look further into this but need more information.
We invite you to send us an email to pos@***.com with your policy number, any agent involved as well as the agency name and location so that we can investigate this matter. We apologize for the inconvenience this has caused and look forward to hearing back from you soon.
El Centro, California
Claim
You call and call and call, 28 times, no answer. They have multiple telephone numbers, and they say you are calling after business hours
- Feels like a scam and probably is
Preferred solution: Deliver product or service ordered
User's recommendation: Avoid, run.
We're very sorry for the unacceptable service you received regarding your claim. We'd like to investigate this claim further but need you to please email us your name, the name on the policy, the policy number, the reason for your inquiry, your phone number, and the best time to call you to CL@***.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.
Bellevue, Washington
Disappointment and getting copies of my cash value loan value what a joke
- - Asked American Income in Waco on Apr 24 for loan cash value; with them since 2003, need copies by end of May for Medicaid; not sent; I called May 14.
On April 24th I contacted American income in Waco Texas to get a copy of my loan value cash value I've been with this company since 2003 and also have a accidental death with me needing a copy of them by the end of May so I can certify with my Kentucky Medicaid obviously the lady did not send them I have not received them and called back May 14th
We're very sorry that we didn't provide the service that you expect and deserve. Customer satisfaction is a top priority for AIL and this lack of service you experienced is unacceptable to us.
Please email us your name and details of your experience including your policy number, and the best number and time to reach you to pos@***.com or call us directly at our AIL Customer Service number 1-800-433-****. We’re sorry for the inconvenience this has caused you and look forward to hearing from you soon.
About
, , , ,
Providing life and supplemental health insurance to members of labor unions, credit unions and associations through independent agents, the company was founded in 1951. All policies sold by independent agents - Find your agent More than 2 million policyholders and $41
Billion of insurance in effect, Grade "A" by Better Business Bureau, "A+" Rated for Financial Strength
American Income Life is ranked 322 out of 2422 in Insurance category
USA
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How is an agent supposed to contact you in person? Show up at your house?