National Income Life Insurance

I started reading more and more horror stories of people feeling like they were scammed by making payments. I tried to contact my representative to cancel but obviously no response. I called the 1-800-516-4466 multiple times only to be told the wait time was 10-15 mins, so I wait for 20-30mins being told numerous I was getting closer to my turn in the queue...after 30 mins, I heard a click and then I was hung up on. So I called back and went through the same process again. I feel that this company it a scam. I tried calling a few other times on different days to have the same thing happen. They take your money just incase you die then only pay out a small amount. To many others that are probably on a fixed income or are hard workers to just have money taken from them every month for nothing. DON'T WASTE YOUR HARD EARNED MONEY WITH THEM.

I called back and was told my wait time would be 17m. After 25m the line was picked up but no one said anything or responded to my "hello"s. I got the menu again asking me to pick a number and was told my wait time would be 19m. After ~22m a gentleman picked up. I told him what I was trying to do and he told me he would transfer me to someone who could help me.... Another ~40m later a woman picked up. I told her what I was trying to do and she asked for my policy number. I gave it and she told me she couldn't do anything with NY Policies.... and would transfer me to someone who could... It is now 2:15pm and I am still on hold. I do not and would not recommend this company to anyone. This is a terrible waste of my time.

He also provided me with his contact information, which I may use to get in touch with him at any moment if I have any further questions. He is trustworthy, competent, thorough in his explanations, and compassionate. He's a fantastic agent/broker! I heartily endorse Jeremy as a representative and the organization he represents for. I genuinely feel safe and secure!

My husband was told he qualified through his job. We set up a Zoom meeting on July 8, 2022 and went through the application process. We were told we would be emailed everything we had seen and signed that day, but did not receive anything. Letters dated for July 18, 2022 came in the mail saying we requested to cancel the application; we did not do anything of the sorts. We were charged on July 20, 2022 for the insurance policy. After contacting the agent working for Gryska Agency who had set everything up, Jennifer **, we were told that they had no idea why it was canceled, but she would contact her supervisor and get back to us.

We did not hear anything back and tried calling multiple times. After no calls being answered we sent a message to the agent, asking her to go ahead with the cancelation. We did get a call from her after sending the email and were told it would be taken care of. Documents dated August 4, 2022 came in the mail today (August 11, 2022) from the Gryska Agency, with other attached documents from the agent. Only my name is on the policy.

My husband tried reaching out to the agent throughout the day, but was not answered. I ended up calling (from a different phone number) and was answered straight away. The agent claimed to not have received any communication on our desire to cancel the policy and told me she couldn't cancel anything on their end. She then gave me a phone number to contact someone who could cancel the policy. The phone number belongs to a completely separate company, having absolutely nothing to do with New York State or the insurance company.

I called on 1/14/22 to cancel both policies. I found out that only 1 of my policies were a whole life, the other was a term life which was news to me as Muhammed told me they were both whole life policies. The lady I spoke with told me that she cancelled them and that she was sending me something in the mail to confirm. I asked her to make sure to cancel my auto bill payments as well and she assured me that as of 1/14/22 my policies cancelled and the auto deduct as well. I never received any packet from them of the sort.

When I got my January bank statement on February 11, I learned they took a payment out on January 19. And I received an invoice for 1 of the policies for $10 and some change. I called them again to find out what the invoice was about as well as why $21.98 was taken from my bank after I had cancelled them. This lady told me that they only cancelled my policy, not my daughter's and asked if I received their packet that I have to sign and return. I told her no, and I asked why they did not cancel my daughter's policy as well, which is what I asked them to do. She had no answer. So I told her to please cancel my daughter's policy and to stop the auto pay from my bank. She assured me again that it was cancelled and that once I return the cancel confirmation paper that any money taken would be refunded.

On February 16th I noticed that they again took $21.98 out of my account. I called again and was told that once they receive the returned packet I would receive a refund of both debits from my bank. I still have not received any such packet. Today 2/23/22, I get a call from Muhammed, the agent I initially dealt with telling me that my policy is 41 days past due. When I informed him that I had cancelled both policies on 1/14/22, his tone changed. He wanted to know why I cancelled. I asked him did it matter why I cancelled, that was personal to me.

So I asked him why was my bank debited money for 2 closed policies. He said, "I don't see where any money was taken from your bank." And that all he saw was I am 41 days past due. So I told him how can I be past due when the policies were cancelled in January and 2 payments came out of my bank. He kept talking over me and was not letting me get a word in, so I finally spoke loudly telling him that maybe this is why I cancelled my policies because of his lack of professionalism and rudeness after which he hung up on me. I called back but got his voicemail. Anyway I have since contacted my bank and put stop payments on all future payments to NILICO. And, I am still waiting for their packet that they say I must sign and return to get my refund. They know exactly what they are doing, stealing people's money. If it weren't for the endorsement of my Union I would never have purchased any policy with them at all. Buyer beware.