American General Life Insurance

My 10-year term life insurance policy was up this year. The premium for the policy was $1300.00 annually. We just received a bill for a $16,000 annual premium with no notification that the policy was terminating. I called for an explanation and was told that the policy increased because of my current age. I asked if a notification of the policy status had ever been sent and they stated that it is operational policy to send that notice two months after the new premium is due.

I find this uniformed radical increase in premium unacceptable. We caught it and cancelled the policy, but only after sending in half of the new premium. This kind of arrogant we-don't-care-we-don't-have-to operation is typical of financial services industries that believe they are unaccountable. They feel they can deceive with complete impunity. We have not received our refund back yet.

My mother purchased whole life policies for herself and my dad in 1985, in which they have paid the same premium for all those years. In 2009, I was contacted by letter from AG Life & Accident. It stated that my father's premium was being raised from $91 a month to $2161.09 for 16 months, and then to a reduced maximum guideline premium. This is in order to guarantee the death benefit of my father's policy or the policy would lapse. I was also given other options, which were absolutely ridiculous. I don't understand how this could have happened with a fixed premium. All I know is that we got screwed.

I have been trying to complete the paperwork for 3 weeks to cash in a life insurance policy. It took two weeks for the paperwork to arrive from TN to FL. In the meantime, I printed forms from the Company website, which are not the correct forms. No one notified me. I called Customer Service on 8/8/2011 and was told that the forms received were incorrect. I then faxed copies, but the fax number that I was given was incorrect. Another call to Customer Service produced a supervisor who gave me the correct fax number. He recommended that I also mail copies of the paperwork to Customer Service. The address he gave me was different form the self-addressed envelope that was provided.

My mother was mentally ill and I purchased an insurance from American General. It was sold to her as if she was opening a life insurance policy. However, she was sold an accidental insurance. My mother was not given an explanation of what's the difference or what type of insurance she was getting. My mother let all her other insurance close because she assumed she had the proper life insurance. When I spoke with the consumer affairs department she hurried and refunded the little money my mother put in the policy to another person's account. She did this once I told her I was going to get a lawyer.

changed Life Insurance Company through my financial advisor. I completed forms to cancel my current and to set up a new account with a new company (better pricing)

The original form was mailed from to American General Life to cancel my policy on 3/28/2011, so its safe to say they were notified of the change by the first week of April

I contacted American General on June 6th because I had an unauthorized debit transaction. I was told that they in-fact received the cancelation paperwork but did not move on it due to them wanting to confirm with me on canceling the policy so the automatic transactions remained in place. They stated they would cancel further automatic transactions. I inquired about a refund and they stated that they would send it within 7 days.

I called on the 7th day because I received a payment due notice. I asked about the refund and then was told it was not going to happen. I then asked to talk to a Supervisor who relayed the same thing and stated she did not have any authority to issue a refund. I told her that I need to talk to someone who has authority. She said she attempted to transfer but got a busy signal. She then confirmed my phone number and stated she will pass a message to the Manager and asked the Manager to call me.

Late the following day, I called again asking for a Manager because I received no call. I was transferred to a Supervisor who stated she would take my name and ask a Manager to call. No call has happed since.

It is upsetting thinking that the policy would be canceled and then to see a draft taken out. Then to call and be told a refund would go out but later find out it would not. What kind of operation is American General?

I demand a refund from the ACH draft and for American General to be responsive to their customer needs. If I am having such a problem with a refund, I wonder how reliable they are in honoring their policies. Their customer service sucks! Buyer Beware.

I have bought 3 different insurance policies over the years and American General Life and Accident is a company I would recommend to everyone. I have had claims paid out to me with no problems and my agent is super fantastic. I find it incredible that people whining about this company are folks who have no clue how insurance works. Read your policies! If you are the beneficiary and you think you are owed money, make a copy of the policy and send it in to the corporate office. My friend sold insurance for years and told me that so many people have polices that are inadequate but they bought it because it was cheap or they had medical issues and no one else would touch them or they bought policies that increased a few years due to attained age. If you think a policy is paid up, make certain that it is indeed paid up! In addition, if you have a really great agent, a yearly review is mandatory! This is done to ensure that the policy still works for you but most folks don't want to spend a few dollars more, even though it is better in the long run. AGLA is a great company! No company is without flaws.

This is a sample of the letter that was sent to customer service. To whom this may concern; My name is Tammy *** and I am sending you this letter because I was informed by my agent, Johnnie Tang at the Pleasanton California office, that my payment for my life insurance policies were not received at your office by the due date intended. Please be aware that I have had these policies since 2004 and I have always paid on time without any interruptions in payment. I was quite surprise to hear that my payment was not received almost a month later after payment was due. I received no notice in the mail or even a phone call by my agent Mr. *** regarding this matter. I consider myself a well establish customer with your company with no history of delinquency in payments.

This is unacceptable and I requested to be notified by email or email if my payment is not received by the due date. My agent Mr. *** was very rude and non-caring about this matter and I want to request another agent at this time! Please be advised that I have contacted the Attorney General and Consumer Affairs. I also would like to speak to the CEO James *** of your company regarding this matter. I've been confirmed by customer service, that my payment has been received by your office as of 12/29/10 and not yet applied to my policy. Why? Respectfully, Ms. Tammy ***

This is the second payment that I have mailed and they have yet to apply the payment to my policy. I've called several times and customer service keeps informing me that the accounting department will contact me. I'm still waiting! Lord forbid if something were to happen to me or my family. Are we covered? This is unacceptable unprofessional service. I have proof of payment!

"My name is Tammy *** and I am sending you this letter because I was informed by my agent Johnnie *** at the Pleasanton, California office that my payment for my life insurance policies were not received at your office by the due date intended. Please be aware I have had these policies since 2004 and I have always paid on time without any interruptions in payment. I was quite surprise to hear that my payment was not received almost a month later after payment was due.

My agent Mr. **** was very rude and non caring about this matter and I want to request another agent at this time! Please be advised that I have contacted the Attorney General and Consumer Affairs. I also would like to speak to the CEO James *** of your company regarding this matter. I've been confirmed by customer service that my payment has been received by your office as of 12/29/10 and not yet applied to my policy. Why?

This is the second payment that I have mailed and they have yet to apply the payment to my policy. I've called several times and customer service keeps informing me that the accounting department will contact me. I'm still waiting! Lord forbid, if something were to happen to me or my family, are we covered? This is unacceptable unprofessional service. I have proof of payment!

In response to Karen of Woodbridge, VA, just from the brief description you gave, your mother likely had a ten year term. A lot of term policies give you the option of keeping it on an annually renewable basis at the end of the term. The rates are very high because typically people will only keep the old policy if they don't have other insurance options. I suggest reading the contract to see what type of policy she has, and then contacting her agent or customer service. A local agent is the best person to help you determine what options are available.

My mother had an insurance policy with this company for 10 years. She paid them $90 a month. In 2009, she turned 80. Six months later, this insurance company raised her monthly rate to $906.94! What options do we have to pursue this? She paid out a lot of money only to be charged a monthly amount that was more then the money she gets a month. She had to let the policy drop.

In 1988 a week after my husband and I gave birth to our oldest son, we started a life insurance policy for each of us. We never missed a payment. In 2000 when we're divorced, I kept payments on my policy but, my ex-husband dropped his (that should not have any effect on mine). As of this date (late October 2010), my sons are grown and I wanted to cash in my policy. I figured I've been paying on this policy for over 20 years. There should be a nice sum in there. Wrong! I'm being told I only have $1,500. I am going to receive back! I've paid in more than 10 times that much over the years! I've complained to my agent but, he didn't seem to care at all, as he chewed his lunch, smacking his lips loudly in my ear. All he said was, "oh well, that's what 'they' tell me is in there." I've struggled as a single mom to make these payments every month. I thought I was doing the right thing to proved for my family!

I could have saved that money in my own bank account and had it crawl interest if I would have known this! I now tell everyone I know. Do not buy a life insurance, especially through American General!

P.S. I didn't cash in the policy yet, I want to investigate a little more into this. I still feel I'm entitled to more then that small amount.

I was listed as the beneficiary on some life insurance policies, but have been defrauded out of the money on both of them. For years, the company denied that I was even the beneficiary. Now in the last few years, they have used the court issues an excuse in not settling them up with me, knowing darn good and well that I have been continued to be denied the due process of law. Also, knowing darn well that they have never provided the actual policies to the courts or anyone else that has requested them.

In the last five years since I have been in Tennessee and since the company is headquartered here, I have went to the ultimate extreme in trying to communicate with them. Letting my sincerity be known, but it has not done any good. I have had to recently seek media attention, hoping and praying this will help. If there is any thing that could be done over this situation, please contact me. Please, I have been to every possible agency imaginable.

my mother who is now deceased had insurance with this company for years so when she died i had to cash the policies in to pay for her funeral the company did not pay all the monies that was owed they said three of the policies had been without value 10 or more years .so i was going through some of her papers and found that she was still paying on the three policies what was no good so how can that be i would love for them to pay up can you help me and the reciepts are from 2000, 2004, 2008, 2003, 2007,money order recipets from 2007,2006 so please help me to get what belong to her thank you.

I bought an air purifier unit from Country Aire, with 3 months no interest. The contract I signed stated that I owe no interest until February 23, 2010. March came, and I received no bill in the mail, so I called Country Aire, which informed me that they financed my loan out to American General Finances. I obtained their number and called them, and I was told that they sent the bill to the wrong address and that they will fix it.

I asked if I can make a payment locally and was told that I can make a payment at a local branch. I went in to make the payment a few days later and was informed that I owed a finance charge because I did not pay on time. I would have paid on time if I had received the bill in the first place. When I called to complain, they told me that they were sorry that they made the mistake of sending the bill to the wrong place but there's nothing they can do about it.

The financial damage is low, but I have no faith in American General Finances. I just want everyone to know my story, so they can avoid this scamming company as far as they can.

Well I took out a rider accident insurance for myself and my son and I found out just recently I have been paying for his for seven years that he hasn't been covered, no one contacted me. I haven't seen an agent until just recently and that was only because I called the Warren, PA office. I think they should have been in touch with me so I figured I have paid over $400 for something that wasn't even valid.

I wouldn't have known this now if I hadn't called and they sent someone here to say they were my agent. Where were these people for over 5 years? I feel I was taken and I am not happy about it. I never received a letter or nothing in all this time. Is there anything you can do about this or not? I am raising my grandson and I am the only one supporting myself so I feel I was taken advantage of. When the agent came here right away, he told me my son Ryan wasn't covered for the accident ins. So why wasn't I told 6 years ago?

It has been well over a month at this point, how long does it take to retrieve copies of these documents? I want this rectified immediately. I want to know who took the loan out and why they allowed this to happen without my consent. This has caused interest to eat into my life insurance policy which decreases the value. Who ever took the loan out has not paid on the loan.

jewel b was questioned about diagnosis with breast cancer she informed me and said i will not be able to because i didnt tell her about the diagnoses before so i couldnt collect i also told chris k my situation is how are you supposed to know that you are going to have cancer years later she did not try to work with me or reason with me about another policy i am legally blind & i feel as if that made a difference cancer is not a easy thing i have told ms. b about the cancer this is not a matter this is very serious .i now have breast cancer & no policy to cover it & i have been with the company for over 10 yrs. & im still not able for the prepaid burial.

To date he has disappeared. Nobody knows anything and the policies may have lapsed since then. I have contacted American General on several occasions, every policy number I give and even our SSN's are "not in their records." My brother gave documents to this agent. I have faxed American General Home Office Research Dept with my sensitive information on 08/12/2009. To date no response. Now I can't get through the fax line and the local office in Atlanta doesn't seem to know the home office or fax number anymore. Please follow up on this please.

I have life insurance policies with AIG. I wanted to cash out one of the policies. So, one day coincidently before I could call Aig they called me and told me that I had a policy that I had lapsed and it was a whole life policy so money was owed to me. I told theagent I knew it and wanted to csh it out. Hecame brought the forms and convinced me to take out more life policies. I signed the cash out forms and waited three weeks no money or check was sent then the agent came back and said that I must have signed the form wrong.

Still no check he came back and said his boss would have to call me before the form could be sent. The boss never calledd after two months waiting on a check I called the boss, who said that he had the forms on his desk and that the wrong form was filed, He could bring them out with him but wanted to know if i would lke to still take out a life insurance policy on my husband I told him we had already went with another company but when he bring the forms out we would look at his offer.

Now, Im frustrated all you want from me s additional money for your company but you have not made good on your already policy that I have. So, I waited for him to call back he didn't he said he was waiting on my call. I asked where is my money I am tired of the games. He said the forms were on his desk waiting on me to call him. He finally came with a form dated in March and it was now the end of April. It is noe the middle of May and I still don't have the $17,00 dollars. Still stalling!

My husband and I are in the middle of house rennovations and the money was to cover roof on the new addition. Which caused it to rain inside the new Addition. I had to borrow the money from someone else and I have not been able to pay them back.

For two years, our cancer policy has increased without any notification to us; just drafted without our being aware of it or budgeting/planning for it.($100.00 a month;33% increase). Both years, we have been told that a letter was generated. Two questions: Was this amount allowed by the commission and 2nd, why the same story for two years in a row? We had no opportunity to accept or decline the increase.

My mother Virginia Branford who is 80 has a policy with this company which my dad,who is now deceased, purchased in 1988. Since I now handle my mother's affairs I checked on her policy. To date she has paid $7714.41 on a $5,000 policy. And the company says I must pay for another 10 years or surrender the policy for $2,388.12

Purchased a life insurance policy in 1959 for son the policy was for $400.00. The company was formerly National Life and Accident Insurance Co. AIG has been collecting on this policy and has failed to give me a receipt for payment of June 3rd, 2003. The payment was $20.76.

My mother isnt really good on computers so she asked me to e-mail you and tell you what happened to her. Apparently there was a class action lawsuit filed against American General life and Accident Insurance Company which she has numerous life policies through. She recieved a classaction notice in the mail and assumed she would get a settlement. She asked her agent (Ann Southern) if she needed to send the paper back in. The agent told my mother that she didnt need to send the paper back in. American General LifeShe was kind of agitated and was ready to leave when my mother asked her that. Now, one of my mothers friends is recieving periodic settlement checks, this lady did send her form in, and my mother feels cheated by this company once again. My mother is in belief that this agent lied to her. What can she do?

I am writing on behalf of my father who elderly and a poor historian. He has been paying a premium as given on quarterly statements since 1985 have never missed a payment.Now effective 2001 the amount that they have been paying for the last 15 years was not the cost of the insurance. American General LifeThey raised the premium 3 times the original premium amount only after they said that what they was paying was not the cost of the policy and that the cash value of the policy have been used up. Walter Whetstone the agent sold them this insurance . I believe that something deceptive and fraudulant has happen. What has happen to all the money that was paid over the years. And now that he is elderly they have raised the cost to make it almost impossible for them to keep the insurance that they have been faithfully paying on time. Could some one investigate this?