National Income Life Insurance Reviews

Routinely random agents call and tell you that you qualify for additional benefits. HOWEVER, these additional benefits COST you more money every month. Then, if you email a person that actually called and told you about these additional benefits. They don't respond. They only take your $$$. When we tried to cancel as the withdraw is up to $200+ a month. Talked to a rep told her we wanted to cancel. Put us on hold for 140 minutes. Had to hang up. Will attempt again. What absolute terrible customer service.

Horrendous and deceptive customer service. I canceled my policy and they continued charging me for months after the fact. Avoid these creeps like the plague.

I would give this company 0 stars if it was an option. The marketing technique this company uses is nothing short of harassment. I am constantly contacted by agents even though I’ve blocked them. Now an agent named Nisan is calling me back to back from a “No caller ID” , this is ridiculous at this point. I don’t know if their aggressive tactics work on others but it is going to get them cussed out. Even if I wanted life insurance it most definitely would not be from them now.

The first phone call I had I was told the only way I could get a cash payout was to cancel my policy. The next phone call I made I was told I could make a loan so I started the process, finished it and was told three to five days for processing, 6 to 10 for mailing the check. It's been 15 days. The check hasn't even been mailed yet. My girlfriend's insurance company mailed hers in 4 days from application. Every time I call I get a different answer. I'm so fed up with this company. After I get my check I'm canceling my policy. Funny thing is they're right on time to take a payment but the payout they drag their feet. Something to think about if you're shopping for life insurance.

My family member added me as a beneficiary and they needed to show me how to file a claim. The representative started off nice then insulted me because I didn’t want to download an app. She told me I had to download the app right now so she could give me a code and I told her I didn’t want download it and she says “Ok, so you don’t want to protect your niece and nephew.” I asked her if she thought what she said was inappropriate and she said “no”. She added a few things about perspective then apologized. The conversation before she made the comment had me feeling “off” about the insurance. After her comment, I will be talking to my family about choosing another company.

Our agent David ** is amazing. We just reviewed my policy and never tried push us to buy more coverage. David simply went over our policy and asked if we had any questions. Very pleased with our experience!!!

We have tried canceling a policy more than one time. They have charged 3 different people and 3 different policies for 1 person. They do not refund your money if they are wrong with their information, no matter how many times you tell them logical information. So stealing from their consumers is a common thing. And they do not have people or emails attached to information that they take for your policy and they do not update policies according to their respective persons or information attached. One policy had 2 wrong phone numbers and a wrong address and they still say their billing was correct (smh). I do not recommend them to anyone. We have eaten thousands of dollars due to their errors.

They are the worst and over charged me...They wanted $67 for $5000 life insurance policy... First it started out as $45 for the policy of $10,000 then they cut it to $5000 then raised it to $67 for a $5000 policy... When I tried to cancel it I called and got no answer smfh... Kept calling and no response... They are scam artist... Fausto ** lied to me. Said the policy would go back up to $10,000 which it originally was and never did.. They are a bunch of liars.. Don't trust them period...

We had a Zoom meeting with Amy ** to review our policy and she is a constant professional with excellent an excellent presentation informing us of essential information and sharing information about the child safety program which is very important. Also we learned that we need to establish our will, name our executors for our legal matters, and we were informed about the Freedom of Choice plan. We are now well versed in what we need to do. We thank her for her very important information.

This company is literally a scam company. They will constantly give you nothing but a runaround. They have people that are unprofessional working for them. If you are married and have a joint account they will take your money out of that account for their monthly payment but if they owe you money they will say they aren’t allowed to deposit the money into your account and lie saying they sent a paper check in the mail that 4-5 months later you don’t receive and then they will say we will refund it into your account and then they never do and then it’s another 4-5 months waiting on a check to never come. Speaking with my lawyer. This company is a pyramid scheme and a scam company and sadly I can’t fathom how many older elderly people they have scammed. Stay away from this company. Go with a legit life insurance company not this one and they will keep adding hidden fees on your policy without your consent.

Slow slow slow, I called in to cash out my policy and it has taken over a month to receive the check. I have had policies with NILCO since 2013 and feel it was a good time to cash out. Their customer service is difficult to communicate with over the phone, with several transfers and repeated pushes to retain my policy. Once they finally acknowledged the receipt of my cancellation paperwork, it has taken another 2 weeks for them to cut the check. Now it has been over 3 weeks and I still have not received my cash out and they are telling me it could take 30 days by mail.

A sure sign of a bad company is one that turns off their Google reviews. National Income is EXTREMELY pushy and aggressive with their sales techniques. They demand yearly Zoom calls that feel more like shakedowns for more money and they always ask for contact information of friends and family to use as leads.

Personally… Worst investment ever. 8 years of my hard earned money. Whole life. I never hear from them unless I call to complain. Still it’s a short conversation. You cannot see your policy online in the state of NY which is what I was told. Why purchase a policy if you can’t view it at your own convenience. Premium’s always fluctuating. They never reach out to you nor respond to emails till days/weeks later.

Great company and I highly recommend the representative we had and his name was Tim ** from Rochester, NY. He was amazing in helping us and explaining everything! He took his time and didn’t try to rush anything or any decisions and when there was an answer he didn’t have for me he put us on hold and got the answer, he was just very professional and knowledgeable, it was a pleasure to be a customer!!!!

So I changed my policy back in September I am still being charged for two other policies that aren't even in my name. This company is so unorganized and very unprofessional. I'm giving them one chance to fix this problem. Otherwise I'm canceling coverage altogether and will let everyone I know to stay away from Nilco. I was on the phone with some lady in Waco Texas and she was so rude she hung up on me. That's something I would advise against but you obviously have a better way of accomplishing things. Hang up on your customer. Who least likely paid your salary for the year.

If you want to cancel and ask your agent about cancelation they won't even respond or pick up your calls anymore. Then they won't refund any payments. This company only cares about money and not the customers.

Poor customer service. They bully you into buying more than you wanted originally. Then when I call to question my policy on pricing they leave you in the dark. I have been with National for 3 years almost. I couldn’t be happier to leave.

I know when you have relations with someone and you regret it right after. Well this was worse than that. Don't waste anytime or money with this. I canceled my policy before it even took off and they're still trying to bill me. I changed my bank account info and they're still trying to bill me. They're crooked, lying, sneaky, thieves.

Worst decision I have ever made. Don’t let their sales tactics or false care mislead you. I had asked for a potential policy change and was told that I had to make my decision on the spot. During this meeting my “agent” (Kimberly **) also mentioned the details of my current plan to her supervisor that was also in the call. All aspects of what she said were correct, my outrageous monthly payment, my “tier” which should be a red flag in its own, with one major caveat. My total coverage was more than 30,000 dollars less than what I had signed on for.

I am very happy with my coverage. I have never had a problem making changes and I feel that my family is in good hands with National Income. Thank you so much for being a trustworthy company. I can rest at night knowing my family will be alright when I’m gone.