American General Life Insurance Reviews

Would rate them number one for rip-offs. They are basically dishonest in their business dealings. Their goal is to start raising your monthly premium after you have been paying into it and continue in that direction until you finally drop the policy and they get all your money and pay out nothing. I bought a $100,000 policy that the monthly premium would disappear in 10 years.

I've been paying my husband's and my life insurance premiums since 1994. Fast forward to 2010 when we were contacted by a new agent, Anne **, who would be handling our policies since our agent had retired. Our previous agent, Lester **, would come to the insured's (our) house to collect the monthly premium. He was a straight up, honest, Godly man. We had no reason to doubt that this Insurance Company, (American General), was anything but dependable. Anne contacted us and explained that we would need to sign some papers in order for her to take over our policies, we agreed to meet with her. Once again, she explained that this is normal protocol. We had no reason to doubt her, therefore we signed the documents she handed us, (we should have read everything); we now know that we were wrong for trusting a complete stranger.

I am the CFO for a company that has a keyman life insurance policy on the CEO. American General Life Insurance (aka Corebridge Financial) is the worst company I have EVER dealt with. It is IMPOSSIBLE to speak with anyone in the United States about an existing policy issue. The "customer service" person you will speaking to will not only be hard to understand on the phone, but will only be able to respond to questions/concerns/ issues with limited, pre-determined responses. There is a lot of "I'm sorry, I can't do more" and "Please wait at least 5 business days for a response to be MAILED to you". There is no way to escalate issues - - there is no email - - there is no "we will call you back" - - - EVERYTHING is done over snail mail. If you choose this company to provide you any type of insurance - - you will likely regret it if you ever have an issue that needs attention/timely resolution.

After paying premiums for over 25 years on a whole life policy with having a cash value of 27,000.00 dollars they cancelled my policy for non payment after mailing the bill to an incorrect address where I never lived. Where did my cash value go? I have many annuities and life insurance policies and never had problems with billing and Correspondence like this. I have cashed in all my annuities and other life policies that I have with them and will never have anything to do with them again.

This co took my premiums, My husband passed on June 08 2024, I notified them of his death, send all of the documents, it was hard to get anyone on the phone, they did not send me what I the beneficiary was supposed to get, the lousy co sent me all the premium back. $1,840 not 10,000. It was a cancer insurance so you're limited on the amount. This Co turned their backs on me, at this point in my grieving moments, with not a penny towards the funeral, this co should have their Licenses revoked, they are greedy and filling up their pockets, and leaving the customers to Suffer. Shame on you, American General Life Insurance.

My husband and I started to sign with them. I was told my policy could start right away, but my husband had to have a physical. We had that scheduled for 4 days away. Due to his work, we had to postpone it 9 days, during this time we heard bad reviews from friends about this company, I got nervous and called to cancel the policy. I was told they would submit my request to cancel, along with a request for a refund of the premium they already withheld for myself.

My husband has been trying since February 2024 after his Mother's death in August of 2023 to get satisfaction from American General. We've repeatedly sent papers they requested and we keep getting told they do not have the papers in their file. We've even faxed the papers and still they say they do not have the files. All we can ever talk to is people in a call center.

My mom passed at 94. But 12 years ago this company transferred her account to unclaimed property. Why? Without any contact to her! Had the same address and phone number for 67 years. Nothing showing under unclaimed property. My email address is **. Numerous phone calls for 3 months, faxes, etc. then I get a letter with this info.

The worst. Billed me out of $6000 by renewing my policy when it expired at 20 years by increasing $100/month payment to nearly $900/month. Notification of the change was sent to a 20 year old address and not to a current address they had on file. My current telephone number was also ignored as a means of notification. Since payments were automatically deducted from a bank dedicated solely for monthly insurance and utility payments, etc., it went unnoticed for months until I saw a drastic balance drop during an ATM visit. Stay away from this unscrupulous company. Notice that American General Life Insurance has received the lowest possible rating in every single review posted here.

Hello, A one star review is a review that’s way too high for this company. When purchasing travel insurance through them they have it set up to where there’s 100 pages of excuses not to pay. But they’re quick to not give you this information when you purchase your travel insurance. So therefore it’s never travel insurance. It’s steal your money and make up some lame excuses not to give it back. You would be a fool to purchase any type of insurance from these people if they’re not willing to pay out $100 disputed claim that obviously should’ve been paid for anyways, if you see this name and you read these reviews, you’ll see that there is no one giving them anything higher than one star. That should tell you that one star review is way too high for these guys.

Called this company to request an address change for my mother's account for which I am POA. After being sent to the 4th phone number I got no help at all since they require information I don't have and am calling them to fix. I just got a run around with someone in a foreign country and they would not give me any other person to contact. Thereby making it impossible to change. Her checks are going to the wrong address and they don't care.

This company does not accept a Durable Power of Attorney! Ask yourself what kind of insurance co. would do that?! Customer service is the worst I've ever experienced! They don't care about you; just money.

Run away from here. I had an annuity that will mature next year and a half when I get 59 1/2. I took the decision to take my money out due the poor customer. They sent me to different people every time I called, could not find my annuity it was a night mare. Finally I got my money even though I had to pay 10% and my tax bracket went high up. I'm glad I have no annuity with them no more. That's a shame no one stop them from doing whatever they with poor customer. Shame on you!!!

I have been calling since 8/23 to get someone from Life Claims Dept to answer my questions about 2 inherited annuity death claims. Twice I was given nonexistent numbers to call and the other times I got a voicemail and left MULTIPLE messages. I did have one person from the "regular" dept help me complete forms but they were returned as "incomplete" but I can't get anyone to tell me what was wrong. It is now 4 months later and I still can't get an answer. Today I was once again promised I was being transferred to a live human being in Life Claims Dept but alas it was the same voicemail. I called back and waited 15 min for Supervisor "promised" an escalation and I would receive a call in 24-48 hrs. Reputable companies put their phone numbers or email addresses on their correspondence but not here. I had the rep list off the dates they have recorded my calls - 10 so far not including the 2 today. My next step is the state insurance commission to file a formal complaint.

Been on the phone for 2.5 hours only to keep getting disconnected. Beneficiary paperwork sent to wrong address. Finally got them to email paperwork. They mailed check to incorrect address when it was supposed to be eft transferred. No one can tell me where my money is. Worst company ever! $40k just being thrown around like it’s pocket change. My poor dad is rolling in his grave. His hard earned money just disrespected! This company needs to be shut down!

My uncle has been deceased for over a year and I cannot obtain his annuity. This company is the absolute worst company in the world. If you ask to speak to a supervisor no one can help you and you are on hold for an hour. Who has time for that? I think they do it on purpose not to pay out benefits. Please spare your beneficiaries problems and remove all of your money now so they do not have to undergo human torture when you pass. Absolute horrendous customer service. They cannot even give phone numbers out but they promise you will be called back which you will not be. THE WORST COMPANY EVER!!

Amer. Gen. Life insur. comp. played game for 4 months by not willing to transfer my money to another company. Finally they deducted > $1000 from my fund for no reason and we lost interest for 4 mo. Bad comp., don’t invest in this comp. Be aware of this company.

I signed up, paid my first installment and then 3 days later they took the same amount out of my bank account resulting in penalty fees from my bank as well as the bounced/return checks that were supposed to post. I called to complain and closed my account. I was told I would receive a refund for the money they stole. I received a check today for only half. I will never recommend this company to anyone and if I hear anyone talking about signing up, I will guide them elsewhere.

Getting accurate information from American General is impossible. I have had a policy since 1985 and it will "mature" when I am 95. I am now 90. I am working on life ending planning for my wife of 68 years and of course the policy is a big part of that planning. I cannot get accurate information from them on my policy. They either have the worst IT department possible or the most incompetent service people possible, because everything I get (and that is not very often) is totally inaccurate. I have even contacted my state's insurance department, but they do not seem to wield any influence. I continually use their messaging system in my online account, and in most cases, they just ignore my message, which is my biggest complaint. At this point I can only assume they will pay the policy when I die or it matures. Not very confident.

I requested additional accidental death coverage for one policy but was told the coverage was under another policy number, which was, in fact, listed on the original policy received; however, I received no letter of cancellation of premium payment request for the additional accidental coverage under the separate policy number listed on the original policy. Now, I'm told they are unable to verify if a cancellation letter was ever sent. The point is the company offers policies that they never intend to cover, and despite you having no record of the policy in question's existence beyond a policy number listed on a policy with its own policy number, there's no one who admits there are serious problems with their recordkeeping as well as the serious lack of timely notification being offered to the insured when a premium payment, for instance, has lapsed.

Been with American General since 1990. Husband, 74 years of age, has a Universal Life Policy which was to be used upon his death, not for loans or surrendering. Just received a bill for $783.54 which will pay the the monthly charges, not premiums, for the 2 remaining months left on billing cycle and a draft change for $2122.56 semi annually. This was to pay cost of insurance charges (death benefit amount, rating, gender, and insured age at issue date) for 2 months. Premiums were already drafted. I have been paying $210.00 since date of purchase. Unfortunately their notification of this massive draw down of policy value was sent in the body of a routine yearly statement and hard to distinguish from regular information. I did notice that the older he got, the higher the cost of insurance rose. Now we have no cash value and forced to cancel coverage because of high premiums to cover fees.

I work for another insurance company and have been in the industry for ~5 years. As a part of my job, I frequently call other insurance companies to facilitate asset transfer. I have was cold transferred to a different department, waited on hold for 17 minutes, and then was told that I was in the wrong department for a second time. I asked to be warm transferred to the correct department and was instead hung up on. The financial advisor that I was working with was also on hold for 40+ minutes before he was hung up on. This is hands down the worst experience I've had with a company.

We invested in American General Life almost ten years ago. Now that we need the money to help with upcoming bills, they keep giving us the run around. This has been going on for months. My only advice is, DON'T INVEST WITH American General Life. They Love taking your money but it's impossible to get it back.

My grandmother recently passed. She had a policy with this company since 1996 and apparently it was only for $3000.00. What gets me is my grandmother paired 91.00 a month since 1996 for what? $3000.00. I’m so at a loss that a company used my grandmother and didn’t help her in anyway. The funeral cost are way more than what they paid my mother. It makes me sick to know there are probably more senior citizens out there that could be taken advantage of.

My grandma had a policy through AIG. They tell you what to send and several weeks later say they never received it. They reference information they could only have if they got the original forms though. Customer service is ready to argue with you about everything. Death claims shouldn't be this complicated especially with a will! I've submitted the will and administrator of estate letter. Even after also sending a notarized heirship affidavit at their request (will and administrator document was not sufficient). Now they want me to send the funeral bills and I'm at a loss as to why they need it. It seems to me they will keep asking for documents so they don't have to pay the claim. I cannot with a good conscience tell anyone to purchase a policy with such a disorganized and deceitful company.

If I could give this company a zero rating, I would happily do so. My mom had a life insurance policy with another company which was bought out by American General (AIG) in the early 2000s. Sadly, my mom died last year. I contacted AIG about the claim process; they said they would send paperwork which I never received. I had to contact them again a month later to get the paperwork. As secondary beneficiaries, each of my siblings and I had to fill out forms, which I mailed in one large envelope, along with my mom's original policy and her and my dad's death certificates (my dad had been the primary beneficiary, but he predeceased my mom). Each of us kids got mail from AIG last week indicating that AIG had never received the claim paperwork. This is an outright lie because AIG could not have sent out these letters to us if they did not have our mailing addresses, which we had to provide on the paperwork we sent to AIG in the first place.

After being awarded both life insurance policies in a divorce, I have been trying for 2 years to get it changed. First they mailed the wrong form, then they lost the change of ownership form. They requested supporting documentation which I promptly sent. I was then told they lost several of the pages. This has been an absolute nightmare, and the policy has still not been changed. Customer service is totally not helpful and basically puts the blame on the customer. I would never use this company for ANYTHING!

After reading numerous reviews, I was very worried after my Mother passed and her life insurance was with AIG that she paid into for 40 years. A lot of the reviews were so awful. I felt I needed to leave this review because my experience was much different. My mother passed in late September and I called AIG and filed a claim. I assigned the policy over to the funeral home so all of their expenses would be covered and I would receive the remainder. The representative I spoke to was so nice and within a few days I received all the paperwork. I overnighted everything to the funeral home to send in with their paperwork. In two days they contacted the funeral home and said they did not notarize their paperwork and needed to resubmit it. The funeral home and I did what needed to be done and faxed it.

We had the policy since 1994 and they made us sign for direct debit from our bank account. We did not change our bank since then. When the policy reached the term, they increased premium and continued to debit my bank account without informing us. However, we changed address, but, our email address was the same and we did not get any notification via our email, even though they had it on their file. After 6 months of them deducting $1300/month, we contacted them and inquired about it. We told them that we did not agree to continue the policy after it reach the term, but they said we have to inform them.

This is an awful company. I had paid my monthly premiums for 19 years. It has come to a point where insurance will increase ridiculously. I have tried to cancel policy since October of 2019. I was told policy was canceled last month and that I would receive a reimbursement. Well, policy wasn't cancelled, I got charged this month and apparently in about 15 days my bank will be deducted for 15 times what I was paying. This is ridiculous. Do not get involved with this company.