American Income Life Reviews and Complaints | ailife.com @ Pissed Consumer

Most helpful review

New Reviewer

Mar 13, 2022 David C Rjv

I am trying to cancel my policy

1.0

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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#3403852

Location

Maple Ridge, British Columbia

Cons

Not having my money returned promptly

Preferred solution

Full refund

Jun 04, 2022 PissedConsumer3638241 of Denver, CO

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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#3638241

Location

Denver, Colorado

Apr 01, 2022 PissedConsumer3452714 of Miami, FL

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

Apr 10, 2022 PissedConsumer2164340 #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.

0 0

#3452714

Location

Miami, Florida

Nov 06, 2021 PissedConsumer3042774 of Kelowna, Canada

Very untrustwothy

1.0

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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#3042774

Location

Kelowna, British Columbia

Jul 26, 2021 PissedConsumer2716325 of New Richmond, WI

Fraud Possible Identity Theft

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

Aug 17, 2021 Trobaud #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.

1 0

#2716325

Location

New Richmond, Wisconsin

New Reviewer

Jul 23, 2021 Lechelle H

HORRIBLE CUSTOMER SERVICE

1.0

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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#2708594

Cons

Refuse to cancel my policy
Lack of communitcaion
Not having my money returned promptly

Preferred solution

terminate policy

New Reviewer

May 01, 2021 Gilbert M

Claim processing time

1.0

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

May 03, 2021 GlobeLife #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.

0 0

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#2530549

Service

American Income Life Claim

Cons

Lack of communitcaion

Preferred solution

Let the company propose a solution

New Reviewer

Apr 14, 2021 Henrietta C

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

1.0

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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#2503920

Preferred solution

Full refund

New Reviewer

Mar 31, 2021 Goyena T

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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#2483500

Service

American Income Life Life Insurance

Cons

Rip off

Loss

$500

Preferred solution

Deliver product or service ordered

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New Reviewer

Feb 18, 2021 John R Zsq

DEALING IN BAD FAITH

1.0

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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#2426133

Location

Waco, Texas

Service

American Income Life Claim

Cons

Bjsmith
Lied to me

Loss

$12200

Preferred solution

Full refund

New Reviewer

Dec 18, 2020 John D Why

POOR Customer service.

1.0

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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#2342801

Location

Berlin, Massachusetts

Preferred solution

Cancellation of the policy

New Reviewer

Nov 05, 2020 Scott B Vhh

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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#2267354

Location

Windsor, Ontario

Loss

$125

Preferred solution

Full refund

Oct 13, 2020 PissedConsumer2224668 of Seattle, WA

Pain in the ***

1.1

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

Dec 26, 2020 PissedConsumer1966700 #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.

1 0

#2224668

Location

Seattle, Washington

New Reviewer

Jul 03, 2020 Vickie G Uzh

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

May 08, 2021 PissedConsumer2010969 #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.

0 0

#2030521

Preferred solution

pay me my base salary

Apr 02, 2020 PissedConsumer1850754 of Conshohocken, PA

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.

1.0

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

Oct 27, 2020 PissedConsumer1942333 #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.

1 0

#1850754

Location

Conshohocken, Pennsylvania

Service

American Income Life Customer Care

New Reviewer

Oct 07, 2019 Arrin Bhs

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

new address and bank and account numbers

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#1674412

Location

North Royalton, Ohio

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Website	2/5
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Additional Fees	2/5
Price Affordability	2/5
Product or Service Quality	2/5

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