American Income Life Insurance
Reviews and Complaints

I have gotten repeated calls on my mobile and landline phones from this company. I have told them many times that I am not interested and to stop calling me. The conversations were tantamount to harassment, as they refused to take "no" for an answer, and I had to hang up on them. I just got another call, and I said to them, "I have told you people to stop calling me, I am not interested". His response was "why?" I abruptly hung up at that time.

In 2017 we bought 2 whole life policys from them they gave us term policys I even got a video of american income life stating that the salesman sold us whole life and then switched them on us I got proof the company cospired to keep it quite and hope it went away but it didnt I need help they sent a rep to my home to fix it when he saw that he sold me whole life then switched them on me to term he left he said he didnt want his name associated with what the rep done to us he went back to pittsburg and told his bosses what had happened and nothing was done for the customer that is labeled as conspiracy to commit fraud

I sent in the required documentation on April 4th, 2023, so all three of the policies that I currently have would be cancelled and so that I would receive the cash value. I have not received any correspondence as a result and when I call the home office, they transfer me to the department for cancelling the policies. When I spoke to someone, they confirmed that the documents had been received on April 5th, 2023, however, my policies are still open? The representative then putting me on hold to attempt to call and rectify the issue, however, we were disconnected. I keep calling back home office and having to explain and this is getting ridiculous.

My name is Steffanie Morgan and my contact number is: [protected]

My father had 2 policies with American life insurance. He passed away in December of 2022 it is now the end of April 2023 and we still haven’t received his benefits. My mother was the beneficiary but they said she wasn’t able to claim them. Took them 3 months to explain to her they just need a form notarized and filled out from me and my brother. They received it the beginning of April. I have been calling every week for 4 weeks and no one is able to give me any answers on why my and my brother haven’t heard or received anything yet.

A person call and text me and make a zoom call gave info ask info about my kids and us talk about life insurance and other stuff am stupid I gave birth date and full name address me stupid I gave that except for social and I didn't sign anything and am freaking out because I gave my kids info and my husband and am freaking out please help suppose they sending me a email but I been telling the dude am not interest blah blah please erase my info am scared what I can do I have the dude number I have screen shot some stuff and pic of the dude

For 3 Years Straight in a Row, AIL has been calling me telling me that, "I have FREE extended benefits" through a friend that does have insurance through them.

They harass me and automatically set up a video conference date with me and without my permission or consent. When I tell them that I am not interested, they do not listen.

They tell you some of the "FREE" Benefits that you get and then try and sell you life insurance. You tell them that you are not interested, and they don't listen and try to push you or coerce you.

This is not the way that Companies should operate. Shame on you AIL.

I have two polices with this company which I'm the insured on both polices. Both polices were cancelled without my consent and knowledge. I noticed that my polices were cancelled once I realized that my automatic withdraw was less than the original amount monthly. I contacted both offices including headquarter; never received a resolution just excuses. Today, I received a letter stating that my polices were lost. How could this be possible, this month payment was withdraw from my account. This is so unfair to me and my family. I've had this police from 2018 and as of today, I'm not covered. This need to be handled asap. Someone needs to contact me asap [protected]

On November 29, 2021 American Income Life Insurance policy # [protected] holder, Crystal Jean Carmichael Passed away. Both beneficiaries listed on her policy preceded her in death. American Income Life issued a check for the proceeds of the policy to "The Estate of Crystel Jean Carmichael" telling the only Hier he needed to open a probate in the jurisdiction where Miss Carmichael died. Because her estate is under $150,000 the State of California Probate Code13100-13115 only requires an "AFFIDAVIT" to be filled out and signed stating the Names of the Heirs to her estate.

Miss Carmichael was an unmarried woman, with no natural born or adopted children. She left a will, leaving everything to her nephew Jonathon Seidel.

All proper paperwork, death certificate, legal I.D. for Jonathon Seidel, Affidavit of small estate and a letter explaining and affirming he is the sole heir to the estate. He asked for the beneficiary check to be re-issued in his name. Instead they sent the policy information over to their "Unclaimed Property Division. They asked for an additional form to be filled out. This has taken months to try to get resolved.

Several years ago, I was an emergency contact for a roommate that had American Income Life insurance. ever since then, I have been receiving non-stop calls from them trying to get me to start service with them. they have refused to add my number to the do not contact list no matter how many times I have asked. When I demand to speak to a supervisor or higher up, I am hung up on. I have considered filing a lawsuit for harassment.

6/6/2022 around 7:30 to 8:00 PM. Phone calls for months on end.

American Income Life has become an annoyance and a pest to us. They have called and called and called. We do not want to talk to them, we do not want them to come to our home to try to sell us additional insurance with their high pressure sales people.

We have ignored so many calls. They start calling with 3 successive calls in a row. Last night my husband answered and told them we did not want to talk to someone about our insurance plan and to please stop calling. He was told that they would never stop calling. We finally made an appointment we don't want so they will get off our backs. My husband who has very severe anxiety and depression went off the wall after the phone call and was awake all night. This is not OK! We would never suggest anyone get this insurance and feel strongly that we need to be left alone!

I keep receiving unwanted calls from American Insurance, saying I have a policy with them. Since neither I nor my husband have ever heard of them, I hung up. However, they keep calling me back! They called me twice daily for the entire week of February 9th, 2022. The most recent time, February 19, they called me from a different number. I told them we don’t have any policy with this company, and hung up. The he called me again! This is harassment, and I am angry.

I originally called to change my billing cycle. I called at least 4 times where I was put on hold for busy times. No matter when I called, there was always a 5 to 10 minutes wait. Today, i decided to cancel because if I have this much trouble getting through, I hate to see my claim problems. Today 10/20 I decided to hang in there. First general number I was on hold for 10 minutes before Cody answered. I stated I wanted to cancel my policy. He ran me through a battery of questions before he would transfer me to the cancellation dept. When Cody finally transferred me, I was on hold for 21 minutes. Determined to leave this fake company, the person who answered finally ran through the same battery of questions. I stated the reason for leaving was extremely poor customer service. She indicated she would mail me the forms. I objected because you have my email address, send it that way. The rep stated it would take 24 to 48 hours to EMAIL me the forms. This company is a sham.

This company told me -Terrance salesperson - that I would have $5000 for final expense. For the accident policy they took $53.42 out of my checking account and after cancelling that policy returned only $17.25.

But after calling to check, was told my beneficiary would only get $1, 000.

But continued to harass me by email about,

Not having policy number on form
Birthdate not matching - Terrance messed up my birthdays!
Made me resend form birth certificate and driver's license

Company obviously cannot be trusted!

I have nothing but representatives name. David Sedlecky. I went on line looking for free living will. this person game on line. set up so i could see him one my computer, while we filled out the paper work on the will. Then he talked to me about getting cancer policy. everything was set up.told him that I didn't want any money taken out till the first of the month. Now the money was taken out, way ahead of time. which cased my checking account to be drained. I was told I would be getting my will, so I could sign it and have it notarized. I don't have any will papers, ins. papers. got a e-mail address for David [protected]@gmail.com

I have recently closed my policy with American Income Life . I had received a text message from one of their alleged representatives about an error in my paperwork which I had been paying for about a year at this point. I called the company and received no resolution to my complaint. I am seeking the money I had paid to this policy up to that point. I complained to the better business bureau and they went through the motions and were of no use and just closed out my complaint without notifying me . I had to go online and find out this information myself.

My name is Anice Echeverri, the policy is under my maiden name Bailey. The policy number is Policy CD9703775 and the insurer name was Shaina Anakay. I am the beneficiary of my niece's policy. She passed away in March 2020, and we provided the necessary information needed to file the claim. The policy was opened in Canada, so when the check was issued, it was in Canadian dollars. I live in the U.S, and I was unable to change the check due to it being in a different currency. I contacted American Income Life Insurance in July 2020, and I was told to send the check back so that it back be re-issued in U.S currency. American Income Life Insurance received the check on August 28, 2020. I called several times and was told to give them more time to see if the check can be issued in U.S dollars. It's been over a month, and I am still getting the run around.