American-income Reviews

This is a HORRIBLE company

This is a HORRIBLE company I regret taking this life insurance policy 2 may I mind you for my mother have been a customer since 2012 My mother had a flood due to extreme damage that was done with a storm that came through NE Ohio last week We did not want to take out a loan nor did we need flood home insurance We decided to take a loan out on the policy for a quick short term to utilize for repairs on my mother s home Called on Monday wanted the money direct deposited Their customer service representative advised that you can not take a more than 5K per policy or else you will need have to wait for a check to be mailed If under 5K per policy we would get an ACH deposit She stated we should see it in the bank by Thursday within 3 to 5 days NOT business days My mother called daily to make sure everything was in line made arrangements for contractors to be at the home to repair the damage EVERY DAY since Monday she called to make sure all was good EVERY DAY- SHE WAS ADVISED THAT SHE WOULD RECEIVE IT BY THURSDAY Thursday came no deposit She then called again on Thursday to find out that they had her money in the air as since she had more than 5K she needed to fill out a loan document to get it processed and it would take an additional 3-5 business days THIS IS UNACCEPTABLE I am wondering how they would actually handle a death claim I am stuck with this company for my mother as she is 76 years old and to find another insurance company would cost a fortune for the premium I am disgusted as my mother really needed the help and this is just horrible STAY AWAY from this company as they need to pull these calls and literally listen to them as their people need to be on the same page Poor communication I do not recommend this company to anyone

This Company scammed me out of thousands

Horrible Company Major scam I have been with them for 17 years and recently decided to cancel and move to a Canadian based company I also needed the money from the cash surrender which is always promised with no questions asked well they definitely asked questions I was then talked into a reduction for a partial payout So I went with that for the time being It has been 5 months and I can t even count how many phone calls I have made regarding my partial payout My first call the lady didn t even change my policy all she did was cancel my auto draft so then I ended up with a bill for the next payment full original price so called back Second call nobody knew what was happening And I got transferred around multiple times and was told I should see a check by next week This was June Third Fourth Fifth calls all were met with the same cluelessness and I am put on hold everytime then they say something was sent in the mail on such and such day it is probably the check And I wait 2 weeks c I m in Canada and all I get is a policy update or a new account balance because they STILL have not applied the auto draft properly The most recent call the person who answered told me nobody at the call center actually knows anything about life insurance they just filter calls and pass on info WOW Thanks a lot a-holes I feel tricked and duped by the person who conned me into a reduction instead of a plain old cancellation Never ever ever use this company Oh and if anyone from AIL reads this feel free to call me to make it right because I m going to leave reviews on every review site possible

This company opened a policy WITHOUT My Consent

This company opened a policy under my name and information under false pretenses They said they were opening a policy under my partners - when his got denied they opened one under me but I did not get the great benefits we would have if it was under him They opened it under mine Without Permission and Know Knowledge of it - they told me they were gathering my information to be a Beneficiary on His Policy That was false When I have confronted the company - I was put on hold and call back again for over a year And then they told me they would not refund me the money they took from my account even though it was not authorized under me And the manager was suppose to call me back - and still never has I Highly Do NOT recommend this company What they did was illegal as all get out

Run from this company

Representatives are extremely pushy When a person states they aren t interested have adequate insurance coverage or can t afford what they are selling the representatives need to listen I plan on talking to my credit union to determine if they provided my name to this company

I applied for life insurance from them

I applied for life insurance from them from an Insurance guy Only time I heard anything after me emailing texting and calling was one time Got a letter from them saying they needed more info For what I have spinal Stenosis and it isn t life threating I don t smoke drink or use drugs This place at least can have enough to let me know why I m being turned down

WE NEVER RECEIVED ANY PAPERWORK OR

WE NEVER RECEIVED ANY PAPERWORK OR TEXT PHONE CALLS AFTER SIGNING UP CANCELED INSURANCE THROUGH OUR BANKS FRAUD DIVISION AMERICAN LIFE CONTACTED ALL THE PEOPLE WE HAD NAMED ON OUR POLICY AND THEY CONTINUALLY TRIED TO GET THEM TO SIGN UP SAYING WE RECOMMENDED THEM BEWARE OF THIS INSURANCE COMPANY THEIR POLICY IS BLURRY AND WE NEVER GAVE ANYONE ANY AUTHORITY TO CONTACT OUR PEOPLE WE LISTED AS BENEFICIARIES SO IF YOU DO NOT WANT THEM CONTACTING THE PRIVILEGED INFORMATION ON FOLKS YOU LISTED WHEN SIGNING UP THEN STAY AWAY FROM AMERICAN INCOME LIFE ITS A SCAM TO HELP THEM MAKE MORE MONEY IF THEY CAN

Call stalkers

I requested information from this company which they duly provided however they then call stalk you I ve received six voicemails from this company despite telling them that I m not interested At what point will they stop calling 8 voicemails 12 What s the magic number

Terrible customer service experience

Terrible customer service experience The agent and the call center just awful I would not recommend this company to my worst enemy I honestly don t know how they are in business