American General Life Insurance Reviews

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.

One of the worst company to deal with. I pay my life insurance policy in 6 months installments. December 2019 I made another 6 month advance payment. They cashed my check then sent me a letter stating, I had a lapse in my policy. They stated they were not accepting my 6 month premium in advance anymore and was returning my premium of $348 within 10 days. It is over a month and I haven't received the payment and they refuse to send me a month statement as requested.

I have yet to experience a company equally as bad as American General insurance when it comes to customer service. I have called on three separate occasions trying to speak to a representative but all I get is "We apologize for the delay." Is American General so cheap that they cannot afford to hire sufficient representative to take care of customer needs?

AIG: Welcome to the Comcast of Life Insurance Companies. Great: Price. Not-so-great: Impossible to get anyone on the phone. They are always "experiencing higher than average call volumes." That is mathematically impossible unless you are continuously getting worse in staffing your call centers, or managing reps in providing effective service efficiently. When you finally do get someone on the phone, to help you with your internet password, or answer a question about your policy or payments, don't expect to be able to understand them. English-speaking ability is apparently not valued, even though the company name is American General Life Insurance, or also branded

My mother had a life insurance policy that was to be split between my brother and myself. Mom passed away on July 1,2019. We filled out the necessary paperwork and sent it in for payment. My brother whose check was dated August 21, 2019 received his check on August 26, 2019. Not bad,but----I waited the 10 business days from August 21 as I was instructed to do by AGL, still no check. I called again Sept. 13, 2019 and was told that they would stop payment on the August 21, 2019 check and would issue another that should arrive in 5-10 business days. They verified they had correct mailing address, etc. Today is October 6, 2019 and still no check. I strongly recommend not getting policies with AGL.

Long hold times and then poor help. The reps are obviously reading from notes and don’t know how to solve basic concerns. After supplying what was asked for multiple times for my claim, each time they would send a form letter after about 10 days saying the claim was incomplete with no description of what was needed. Then the whole process starts over... I’d quit if they didn’t owe us money. Maybe that’s what they are aiming for?!

My mother passed away in March 2019. After flying over for her funeral I am trying to sort out her affairs from the UK., and claiming on our policy. After approx 30 hrs on the phone to date being held on the line and being told conflicting information still not settled my claim. I have returned 4 claims forms all recorded delivery at huge cost (which they have sent me) now to be told have not returned correct form! The escalation manager would not take our call after holding for 52 mins on international call yet again today. Shame on you AIG in dragging this matter out. My sister filled in same form and her cheque arrived!!!! Please post if anyone can suggest how to make formal complaint against this dreadful company. I should have time to grieve not spend endless hours and at considerable cost on what should be a straightforward process.

I have been paying quarterly for almost 30 years. Insurance for my now adult kids. I got a payment returned to me this month. I contact the company and they tell me that I hadn't made a payment since November 2018. I send them proof of payment all the way through March 2019, that they kept by the way. I never received an email, letter or call concerning this. They canceled without any notice at all. Now I have to fill in paperwork to reinstate something that should not have been canceled at all.

I have had lots of trouble with AIG reimbursing home health expenses. I was out of pocket $5,000 and they kept asking for POA, dates of nursing home admission, etc. all of which they already had. There are too many people that don’t know what they are doing and tell you it will be resolved within a week, which never happens. I finally resorted to threatening legal action and that seemed to work as I got partial payment within a week. My advice to anyone is not to buy LTC insurance... Set up your own private savings account and let it accumulate for this purpose. I have $1 million tied up with them and I know I’ll never get it back. It is a rip off.

I am a mother of 6 children. I called to file a claim May 17, 2016 for the father of my children. I was told that I am no longer covered with that policy. I must say I had 5 other policies other than that one. The problem was that policy they refuse to pay is $300,000.00. The other's was for $75k, 50k, 50k, 25k, They stated my policy wasn't covered since 10/14/2014. I furnished them with receipts showing proof. For the pass 2 years they was receiving my money. May 13, 2016 Jeffrey was robbed & life was taken at his place of business case unsolved. They refuse to speak with you but immediately states you no longer have coverage. Somehow they're asking me for $1,500.00 for my other policies to get back into good standards OMG!!! This is scary for a company be so confident to screw over and still be in business.

I took out a $250,000 accidental death or dismemberment policy 20 years and four months ago. I auto-paid every month for 270 months. Now I get a termination of policy letter saying "American General has decided to exit the group insurance marketplace." They've accepted well over $10,000 from me and yet now they are terminating my policy. I think I'll contact the Attorney General! They should offer a refund of premiums!

My mother passed recently. Her and my father had life insurance for 50 years. Their policies were bought out by AIG. Trying to contact and get these people to pay these very small insurance policies has been a nightmare!! I would not advise anyone to purchase any insurance from them!! Purchase from a local agent like State Farm etc...

6 years ago I was sold an accidental death policy by this company for $200,000. I used auto-pay, so this company has received their money on time for 72 months straight. I now have found out that at some point the policy was switched to a health policy that covered hospitalization only. This is not what I signed up for. In the beginning I filled out beneficiary forms, stating who would receive benefits in the event of my accidental death. Obviously I have not had a death claim, however, I am upset that the product I purchased and paid for faithfully for 6 years was switched to something else without my knowledge or consent to a product I neither needed or wanted.

My 102 year old father has an annuity with American General. We attempted to change the address of the bank that the annual check was forwarded to. Customer service had absolutely no idea of what to do and shuffled me through multiple people with 30 minutes on hold. Finally talked to a supervisor who requested several types of documentation. We provided all the documentation promptly. We placed a follow up call 10 days after American General received the documentation to make sure the change of address had been processed. Again, extended hold times until we spoke to another supervisor who stated that the documentation had not been process but would be within 24 hours.

My original life insurance policy was created in 1994 with AIG Life Insurance Company. I have paid my Life Insurance since 1994, without EVER missing a payment. Apparently AIG Life Insurance Company merged with another company... when that happened is unclear. About the same time I am guessing as the merger, my electronic payments stopping going through (or so they say)... My policy was terminated in June 2018.

Updated on 12/06/2018: I purchased a Fixed Universal Life Policy over 20 years ago. I have been paying quarterly premiums since that time. I have an online account with the company, which, even though I use Automatic payments, I check regularly. I have kept my address, email, and banking information up to date. A few months ago, I noticed my quarterly premium was not deducted from my bank account. This is when the trouble began. I was advised that the company used all my cash reserve to keep premiums paid when they raised my premium with no notice to me. I began writing and calling, and no one could tell me how much my premium had increased. Just that it stated in my original policy (Over 20 year ago) that this could happen.

My husband passed away on April 3, 2018, I filed a claim on his life insurance. They received the death certificate and claim paperwork on May 16, 2018. They told me it would take 10-14 business days to process once they had all the paperwork they needed. I called them after the 14 days and they said they didn't have his records from the hospital so I called the hospital and they gave me a number for them to call. I called the insurance company to give them the number and was told they received the paperwork the previous day.

DO NOT BUY A POLICY FROM THIS COMPANY. I have been getting the runaround on a claim for 6 weeks. No agent or claims team to talk to, only a call center. A different rep each call whose info will contradict letters they send out. There is one reason after another as to why they will not process claim. For example, I have a letter stating they acknowledge receipt of an assignment for a specific policy, but tell me by phone they don't have the document. A insurance claim specialist at the funeral home is equally frustrated in lack of communication and confusion.

I called AIG on 7/11/2018 to inquire about a payment that I had scheduled on 6/30/2018 for 7/3 for my policy, needless to say the customer service rep proceeded to tell me there was no scheduled payment. I told her a printed a receipt for it and she totally ignored the fact. She sounded tired, totally detached, uncaring, rude, aggravated, and quite unpleasant to deal with. I ended making a phone payment with this person who should not be working at this position as she did not seem someone you would even like to have a conversation with!! This is not a company I would refer ANYONE TO.

We are simply trying to receive the small life insurance benefit after the death of my mother-in-law on a policy owned by my father-in-law, with which he is the policy owner and beneficiary. After sending in the claims paperwork and death certificate, and after they confirmed they received everything, someone in the Phillipines... YES, IN THE PHILIPPINES... is now saying my father-in-law now needs to send them proof that he is the beneficiary. He doesn't even know where his policy is, but wouldn't they have the policy he has been paying on for years??! Very unsettling and extremely unprofessional, bordering on FRAUD.

In mid-February 2018, I submitted an insurance claim to the AIG Processing Department. I’ve made five phone calls since, to learn when I would get the check. Today, April 6, 2018, I am very frustrated with AIG’s lack of professionalism, and poor customer, handling my claim. I continue to hear, “I’m so sorry Mr ** for this situation.” I don’t want apologies. I want professional customer service. Folks, who use AIG, be prepared for a period of frustration, until, hopefully, AIG handles your issues.

American General hired Alliance One Supervisor Joss. Alliance One is totally incompetent unable to give most basic whole life policy information. American General Life Ins, should get rid of AllianceOne. AllianceOne are completely incompetent, and have no basic information, they keep on sending me to American General, and AM General tells me they do not have my policy to answer any questions.

My experience is exactly the same with this company. I will spare you the long read and move directly to my solution. I contacted my State Insurance Commissioner, who in turn, demanded action from AG. To date, I have received a response from AG. They have not yet responded to the Insurance Commissioner. That deadline has not expired. However, my response was one of attempted placation. They again had the gall to try to pacify me. This complaint is still in process though. When I received my response, I contacted the Commissioner's Office to express my disagreement and disappointment with the response I received. The agent was very reassuring and told me once their office receives the required response, it will be reviewed and a determination will be made as to whether or not AG acted in good faith and appropriately, or NOT.

Trying to process a death claim on a 20+ year old life insurance policy. I called them and told them I was doing so. About a month ago. It took a while to get all 8 beneficiaries to sign individual forms as the company required. Since contacting the company they have sent confusing letters to all 8 beneficiaries stating they feel the insured may be deceased, but have not been notified as of yet! Then they contacted me and said the policy was an annuity! They even had the policy number correct.

I started paying on a loan an American General Insurance in February 17th last year and the loan was for $1,144 and I've been paying on it and paying the interest $25 a month and I paid the interest up on it that was due last year. And so I have paid a total $300 on the loan and American General say I still owe $900 and 45 dollars on the loan. Now mind you is started out as a thousand now still at $945 for the loan that I pay over 300 some dollars for.

My father passed away last year and my youngest brother had taking all the that father insurance policy that was on his remaining children and trying to cash in on. Also Anthony ** address is **. And brother also came to my address and stole my SS# out of my mailbox and then put it back in my mailbox and glued it back up. I also called American General Life Insurance company and they said that the policy was surrender on February 2, 2018. I Darlene ** didn't submit my policy and my phone number and address is still the same at ** and # **.

My mother has been paying premiums for long term care through this company for over 17 years. Paid over $170,000 during these years. Now she is in need of these benefits and we have been given the runaround. Each time we call in we are given different information that they need. This policy has a 100 day waiting. We have been following direction. Released from acute hospital Dec 9, 2017 to skilled nursing. Released to 24/7 home care Dec 16. Got all this information to them. We were told they had all they needed. I called to check when benefits would start thinking 100 days from Dec 9, 2017 about mid March 2018. No. Told no benefits until May 3, 2018. 160 days. We were told then we needed to produce bills for the 24/7 care while living in her apartment. We produced that, now we are told we need all medical notes for the days from Dec16 2017 to present. Now why were we not told this the first time I called Dec 5, 2017?

I have had a policy for over 10 years. This year when I mailed my premium on 11/28 I was told it was never received. I then mailed another premium on 1/5/18 and told on 1/12 and then again on 1/17 that neither payment had been received and my term life insurance policy was going to be cancelled. My ONLY choice at that time was to give them payment over the phone. Reluctantly I did so. Then on 1/23/18 they CASHED the check dated 1/5/18!! When I called, the first customer service representative hung up on me after stating it was MY fault the check was lost. The second representative was very professional, apologized and requested refund. NO WAY it is a coincidence that TWO checks went missing. There is an issue!!

I put my daughter in American General Life Insurance, they reduced it from 25,000.00 to 3,450.00 because I will not let them take the payment 22.56 a month out of my bank account. Then I was told I would have to pay 28.00 if I do not let them. My bank pay them every month. This is called extortion and that is a crime.

Staff is very rude, does not listen to customer before attempting to give an answer, which is incorrect most of the time. Sending forms to be filled out, and are the wrong forms. Does not understand questions being asked, this includes the supervisor too. When I'm telling them that I have accident and critical care insurance, the staff wants to debate about what type of insurance I have; each time I call, I have my policy in front of me, because I know that I'm going to have to read my policy to the staff person.

Over 10 years ago my agent Kathleen ** spoke with my wife and myself requiring my policy. At that time it was valued at 1/2 million dollars. She gave us options to review and she was to come back. I never heard from her again. I've called her office, I sent Fax and wrote letters to her and their company. The first letter I received from AIG stated there was no policy. After I sent the policy number I received a letter stating they are trying to resolve the problem and they would sent me a letter in 10 days. That was in October. 10 years is a long time to wait for a cash surrender. I also requested to speak with my agent and was informed that the Greensburg office was close and they has no idea where she was transferred to.

We have been trying to get a Power-of-Attorney form in place for OVER SIX (6) MONTHS! The customer service department is refusing to comply. They refuse to give us a phone number or mailing address to their legal department to submit a formal complaint to. They want us to keep submitting to the customer service department that clearly has no clue what they are doing. Each time we contact them, they want something different. Client has Alzheimer's so every time we have to go back and request something new, it causes distress and anxiety. They wanted an INTERNAL affidavit of POA to go along with his Ohio POA. So we submitted it. (He was a resident of Ohio, then moved to assisted living in Florida near his children.) Once the affidavit was submitted, they decided they wanted a NEW, POA form with Florida witnesses.

I am disgusted with this insurance company. We got it for my husband during a period of time when he was uninsured. They set it up to make automatic withdrawals from our bank account, and when he became insured they made it almost impossible to cancel our plan. When we called they claimed they could not confirm or deny he had coverage with them. During the time he had it he did have to go to ER and get stitches after cutting his hand. Exactly what emergency health insurance is for... they sent me this ridiculous PDF that I had to print, then bring to emergency room, and try to get the doctor that saw him to fill it out and send it to them. They make it almost impossible to actually use their coverage. Of course the doctor never filled out the form. We called the ER many times asking the status on it and eventually got a letter in the mail from a collection agency, messing up my husband’s credit.

Policy purchased in 1976. AIG states policy was changed from term life to deferred annuity in 1988. Policy was signed in Ohio and it's not my signature. In 2005 we requested a change from term to whole life with the balance as a surrender cash. In 2007 and 2008 we were in contact with our agent Kathleen **. We never heard from her again. I've been trying to get satisfaction from AIG from over 10 years. They just keep finding ways not to surrender my policy. I would not recommend them to anyone.

I have had life insurance with this company since 1993. Like other reviewers my premiums continue to wrongly increase and like others for the past two years. I have made $175 payments each month more than my premium starting at $50 then $75 then $90 then $115 then $160 which my policy shows it was to NEVER increase. Now again they've increased it to $185 and have tried to cancel me twice, even though I have never been late with a premium payment. They finally sent me this week 08/14/17 a history of payment for the past two years wrongly showing my payments have continually posted as $115/month when I've sent payments of $160/month for this time period.

Approximately 32 years ago I purchased two universal life policies. One on my husband the other on my son. I was led to believe these policies were taking the place of whole life. Also, I was led to believe they were retirement plans. I was not told the fact that even though my monthly premium billed would remain the same the real premium would increase. After discovering my husband's policy would end much sooner than told I tried paying extra each month. This extra money was so mishandled I was told my accounts were behind. I had to contact the Insurance Commissioner’s Office in the state of Alabama before they would correct the error and even then they only applied the money to premiums not to the cash value. The beginning of this year I noticed their statements indicated I was paying a month behind. I called the company and was spoken to very rudely. They would not offer any help.

My 94 year old mother is in an assisted living facility, with fees of $4900.00 a month. I am her POA. These funds are needed to pay for her care in that facility. I called them about the process to obtain these funds on June 14, 2017. American General then faxed me a form called "Affadavit to Affirm POA." I was told their "legal department" would decide, upon receiving the required information, in 7-15 business days about receiving these funds. This form was notarized, and the form and POA papers were faxed June 19, and June 20, 2017 (one sheet was omitted and had to be sent on June 20).

I called with policy number to get some information and was told the account was closed and they could not help me. I asked to speak with someone who could and he sarcastically asked me who I would like to speak to. Frustrated and getting nowhere I said "thank you" and hung up. I still do not have the answers to my question. The English was fine but the accent made it hard to communicate. I really don't think that was the problem but maybe my questions were not worded with the correct terminology to get the answers I was trying to obtain.

My husband and I have had life insurance policies with General Life Insurance from AIG for some 20 years. Occasionally, we have been late with a payment because we have both been out of town working. We ALWAYS paid the bill immediately upon our return and there were never any problems with that. The same happened in October of 2016 and, again, we paid the bill when we returned. Only this time, the payment was never booked (or something) and from that point on there has been nothing but trouble. We continued to pay the usual amount (which they were happy to take) but kept telling us the account was in arrears. Even when our bank called and confirmed to them that the payment was made, they didn't let up.

I have been with the company since about 1969 (48 years). I started with a family plan and then changed to a plan of my own. They referred a universal plan which I got and they told me the premiums would never change. My $100,000 policy was $50/month. I have paid that all these years and now I receive a letter that states my cash value is not sufficient to meet the current monthly deductions and coverage will terminate 06-11-17. I called and was told that my premiums are now $173.48/month and along with my direct payment of $50 from my bank account they have been taking the remainder from my cash value.

My family member traveled to the Philippines. He stated on his Facebook page that he was hurt on the airplane. He was taken from the airport to the hospital by his friends, where he later died. Oh My... AIG said he died of "Natural Causes" and had he not die from his injuries on the airplane, they would have paid out. There are several mistakes on the death certificate, including no time of death and no doctor's address. The doctor who is also the Medical Examiner said he died of a heart attack. But he was take to doctor because he banged his knees on the airplane. I'm trying to get the autopsy report. Read the fine print. He had to die as a result of an accident. Right now we are just writing back and forth. I am dealing with a foreign country, a language barrier and an insurance company.

I've been paying life insurance premiums to AIG for 35+ years. When the agent sold me the policy we were told it was a $50,000.00 Whole life policy with a fixed rate of $48.50 per month. We received a letter mailed on April 20, 2017 telling us that our policy coverage would be terminated within the next twelve months if we didn't increase our premiums.

This company is a scammer. I cashed in two policies and they continue to deduct money out of my account. I called them and they would not help me giving me the excuse because I no longer had insurance with them and no policy number. They could not help me. BUYER BEWARE!!! TAKE YOUR MONEY AND RUN!!! I now have to go to the bank and go through an extended process to get this stopped.

I was a long time customer of American General Life Insurance. The company left our small community. I had trouble getting any service. You had to call New York to get any help. I needed financial help from the company. I was told that I had to 100 years old before I could receive any benefits from my policy. I got limited amount from policies which I had been paying on for a long period of time. I am waiting to get some money back from the one policy. I am extremely unhappy at this moment in time.

My dad has purchased long term care insurance from this company years and years ago to make sure the burden of payment for care providers would not be on his children. Now we are fighting with this insurance company to pay out one cent. This has been going on for at least 1/2 year. We have faxed them reams and reams of information. Every time they keep requesting more. It is a ploy to not pay a cent. We have had to pay the providers ourselves, still fighting with AIG. The frustration level of dealing with this company is over the edge. Do NOT buy insurance from them.

Beyond Poor Service I received from American General Insurance Company/AIG. My Mother Passed July 15, 2016. I was told two of her policies was sent to the Ga Unclaimed funds. She was alive paying policy payments to her agent at the time the money was Sent. No one notified her about her fund. Now the State has been slow and difficult to get my mother's money. Now the State is requesting American General to send them the Beneficiaries on the money that was sent to the State. I asked AGI to please fax the information. They said they would have to call me back??? With computer in their face and with my; claim # ** they would Not resolve my problem.

I received a letter from AIG 11/2016 stating that my son policy was canceled and I could pay $300.00 dollars to reinstate. I called the 800 number and was told to send in proof of payment. I mailed in copies of my bank statement for the last six months which shows AIG received payment. Today I received another statement saying the same thing! I would like AIG to give me an explanation about the payments they have been given and what happened. Why am I having a hard time trying to get answers from this company. What can I do? I have been with this company since 2005. Please help! I call this AIG at least every two weeks and AIG tells me that they are looking into the situation.

I been with American General over 20 years, payment was 38.00 then 69.90 and I got letter it will be going up to 116.45. I am 68 yr old on fix income and now they're making it that I have to choose between food, meds, roof over my head or insurance to be buried. What do seniors do? All the money that I have paid them, it just not right. I don't know what to do.

I paid my life insurance on three different accounts before the due date. Got a letter it was not paid. I call, get a very rude guy that I try to ask questions. He basically tells me to find another insurance company. No he does tell me to find another company because I asked to speak to a agent. I've had this insurance since 1998 and never had anyone to be so rude in any company. I am not happy with not being able to talk to someone when I have questions.

On 6/24/16 my husband's life insurance was due. We pd $1,277.84 for a year. He passed on July 13, 2016. Do you think I should get 11 months of the premium back? They don't. They said no way. He had the policy since 1986. He was 76 years old.

She answered all my questions and helped me understand the benefits to my policy. I feel much better knowing where my money is going and how their policy is helping me. I would highly recommend this company. Rian deserves a customer assistance award for her hard work and knowledge and ability to explain the policies to her callers.

I was calling for someone who wants to buy a policy, but wants to speak to a PERSON in a LOCAL office in certain cities in Texas. I called several numbers from the websites, and was on hold so long on each line, I would go try another. All these numbers actually seem to direct to the New York number. Someone finally answered one of them and wanted a policy number etc, after I told them I simply wanted to be able to contact a local agent. She did not have that info, but would redirect me to AIG's general number. NOOO, don't, I don't want to hold again. She punched something, and that line was... BUSY. And then disconnected. I think she hung up on me. I have read the reviews on this page, and I think if their service is worse than speaking to someone, FINDING someone, perhaps we should search elsewhere.

I have a life insurance policy and an accidental insurance policy. Both are paid with one check and billed on the same billing. In October I received a check for $120.00 marked "Suspension" at the top. I called the customer service number, got India. After holding off and on for four hours I was told they would void the check and apply it to the Life policy. Next month I received a late notice and an email telling my that my account was valuable to them, pay or they would cancel. Called again to customer service, got India. There does not seem to be a single person living in the US that works for Customer Service. I have called every 800, 866, 888 number listed anywhere on their website and billing and each time I call I am told my account is up to date, no problem, I have overpaid the account.

I called to take a loan against my policy for Christmas. They told me NO PROBLEM! We can even do it next day for $20. I did this on Dec 14th. I called on the 18th. Sorry it takes up to 4 days to process the check. Really??? Because they didn't explain that to me. It Dec. 26th and still haven't received the check! I had to give my 3 boys an IOU for Christmas! Never trust them!

I have been a customer since 1995. My account is paid up to date. On or about November 15, 2016 I requested a loan from the accumulated cash value. I was informed after waiting over two weeks for the loan check that the name of the account holder is incorrect and that a name change was requested but could not be processed because they have yet to locate my file. With this account I used both maiden and married names. Note, the insured (me) has my name in the right order yet the account name does not. How is it they cannot locate my file yet will and has accepted a monthly payment on this account with an incorrect name? As told by customer service no one has responded to a request for an update from the department who handles where the files are located and the name change.

After year of dealing with this company in my town of Meridian, Ms having two policies one in the 80's and the other in the Feb of 1990 at first everything was fine for years. After they closed the office here in our town it started sending out a worker who stayed in Newton County. I started receiving letters stated my insurance was going to lapse and I continue to send money and they wound even send me some money back, then continue to send more letters about my insurance lapsing. So now after all the stress of it I have just finally decided to cut my loss in cash in my two policies and it really is a loss, because once again they have messed me over.

I have had a policy whole life with American General for 50 years. In 2012 they told me because I had taken some money out that it would expire and I needed to take out a new policy. Well my husband just died and they did not take my premium out so when I inquired why I was told it was my husband's policy I was just a rider, I didn't even have insurance, but then he said I would need to do a new policy. At a much higher rate I am sure. How low down can you get? You know this is lower than low considering I have been insured here for over 50 years. And you can't even find an agent. Just have to make a call to some other far away place. Bad business all around. Sorry service completely. But geez. I sure bet the CEO has a lot of insurance, if he wants it or she. Considering their salary doubt if they need it. This company will not get a good word from me.

I am getting in touch with you all because I have been with American General since 1999 but lately since they closed the local branches in my area, they seem to be misplacing all my payments on this account. I have other life insurances with them, so they closed my policy. I have sent copies of my payments. I feel that I am being treated unfairly, because I have been with this company too long and paid too much money to let my policy be closed. It seems as if they can not explain where my money has been going.

Unauthorized Monthly Draft and Policy Changes. I've been paying for my dad's monthly premium for $80 and never missed any payment since it was taken out automatically from our checking account. Then this month I received an 'overdrawn account' notice from the bank. There was an almost $1500.00 drafted from the acct. and came to find out it was American Gen Life Insurance who took this money out! Now my account is in negative balance and my other bills were not paid! Tried to call the Insurance company but I was on hold for an hour but still no person to talk to. I need my money back!!!

I have had my policy for 9+ years. Premiums are electronically paid on a monthly basis, so my payments have NEVER been late or missed. Because there has been an addition to our family I must make some changes to my beneficiaries, an address and telephone changed for my records. I had seen several American General Offices in town, but for some unknown reason, they have disappeared and trying to find a valid telephone number to contact the company has been horrible.

My policy is up to date with each statement they have me behind by 2mos. They even sent me checks, apparently thinking I would cash them. After waiting on the phone for quite a while talking to them to no avail, I sent them back, with my next bill. They continue to send me statements that shows me 2mos. behind. What are they up to? It seems suspicious. I have to get in touch with someone. This is totally unacceptable.

Worst company ever. Automatically renews a term policy (that came to the end of the term) without permission or notification, quadrupling my rate. Now, despite repeated phone calls and repeated assurances that they have cancelled the policy, they continue to charge me every month. I can't get them to stop!!! If there's a hell, I hope there's a nice toasty spot reserved for the employees of AIG.

I have had a Universal-Fixed policy with American General since 1990 for Face Amount $100,000. On October 11, 2016 I received a letter indicating that my policy was now changed to a Flexible Premium Adjustable Life Policy for $50,000. I immediately went to the website to see if the Policy had changed. It had not, so I called the Customer Service Center. After a long wait I was finally able to speak with a person based in Manila. He had the same information contained in the letter. My account is up to date. However he could not explain why the policy had changed. I don't know the status of this company, but based on the other reviews they must have some financial difficulty. Please help!

I would give them a zero too if I could. Thinking American General? RUN AWAY!!! Disgusting customer service. Waited on hold for almost an hour to find out they no longer have local agents. They're sending the payment notices by mail from the corporate offices... to a 20 year old address! Then they tell me they have to have the insured call to have the address changed (and let them wait an hour?). We have two policies one for my wife and one for our stepson. My stepson hasn't had anything to do with this policy. My wife took it out to cover him and we've been paying on it for 26+ years. Can't sign up and use the AIG Eservice because their information is outdated/doesn't match. Sends me back to the 1-800 number to go back on hold... Arrgh!

My daddy died 2 weeks ago. AGL told my mother that they had to do a manual search for his policy because it wasn't in their computer system. She had to file a formal request for them to search for it and send them copies of her bank statements showing where they were taking out the payments. She did just that, sending them 3 years worth of bank statements. Now they are telling her they can't find the policy and are refusing to pay for my daddy's cremation leaving my poor momma to pay for it on her limited income. I told her to get a lawyer and sue them. She is now trying to get her payments back so she can pay for his cremation. Do not do business with these people.

One star is not even good enough for them. Having same issues as other reviewers have written about. Do not do business with these people. I can promise you that you will regret it if you do. They are horrible to deal with. Have been waiting on a check for my mom (took them 2 months to get around to sending it) and after many phone calls, they finally sent, and it is almost half of what it is supposed to be. Now trying to find out why. Of course they are not returning phone calls. Always say they are going to call. You will be waiting for hell to freeze over!!!

They put me on hold for 45 min. on the 800-888-2452, and when they did answer could barely understand the person I was talking to. Tried contacting the offices in Chattanooga, Tennessee, Ft. Oglethorpe, and Ringgold, Georgia. Both numbers were disconnected, and each office had the same phone number 423-499-1583. I am ready to start a civil class action law suit to expose the conduct of this company before they take advantage of anyone else. They hold on to the money they owe me and make me go through a lot of double talk so they can draw the interest on it. I want to cash in my policy and be done with that corrupt company that it has turned into since it became American General Life instead of National Life, an accident insurance com.

I contacted AIG after my mother passed in April to submit a death claim... They held on to her claim until July and told me a check was mailed on July 19th... Of course I never received the check and when contacting them, they told me they would have to put in a request for another check and that would include a 12-15 day review period and as of August 30, I have not received a check or a response regarding the review period! I contacted the Attorney General's Office on August 23! This is outrageous and when you call them you are placed on hold only to speak with someone from the Philippines! I am so sick and tired of this and we need to create a "Class Action Lawsuit" against this company and I would love to start a petition! I have $127,000 and have not received a dime! AIG is holding my inheritance HOSTAGE!

If I could give this company a negative number review I would because a 1 is too generous. The reason for this review is for others to be aware. In May 2016 I called to cancel an Accident Insurance policy with American General Life Insurance (NEVER should have been started, but that is another story). Their representative advised they could not cancel without policy number.

I first bought Life Insurance in 1986 at the age of 29. In 1990's I was convinced to buy also for my children which I did. So for 30 years I have had 3 policies with American General. I learned from a friend who is a Financial Planner that my policy was not sustainable at the current premium, so we began the process of trying to determine at what premium it WOULD be sustainable and good at the time of my death. It has been 2 YEARS I have been trying to get this question answered and to no avail. Even with the help of my friend - an Insurance Broker - we can't get answers to very simple questions. On the phone (after no less than 1 hour on hold each time I call) I have talked to at least 6 different people, all in the Philippines except one who was in Houston and actually disconnected our call and never called back.

In the mid year of 2015 I starting a new health insurance which the costs were being drafted from my bank account on a monthly basis. This included health, dental, and vision. After reviewing my bank statement many months after I noticed American Insurance was also drafting $97.00 out also. I initially thought it was part of the health insurance that was purchased. I had concerns so I called and checked on it through my health insurance plus American Life. I found out that I was purchasing Accident Insurance. I never received a policy for this nor did I speak to an agent concerning this policy nor sign for it. I called and spoke to an agent which I waited over an hour or more to speak to a live agent. She said she would cancel the policy.

I obtain this policy 11/1990, which is 26 years ago. I have borrowed on this policy around $4000.00. I have been sending my payment in of $38.00 for insurance and $10.00 toward the loan. My insurance policy was cancelled and lapsed in May of 2016. I have not missed any payments. I was told to reinstate my policy that I need $118.00 and that my payment needed to increase to from $38.00 to $59.30. I have paid over $11,856.00 into this policy. I will be 65 this year. I do not believe this is correct. I am to invest into another whole life policy with the death benefit of $50,000. I am a former insurance agent so I have some basic knowledge. Please help me.

My husband and I have a cancer policy. Extreme dissatisfaction with customer service. If we were to come down with cancer, filing a claim with this company would kill us before the cancer. Am reporting to anyone I can in the State of Florida Attorney General's office. Have a suspicion something fraudulent is going on. No company could have this bad customer service and survive. You can sit for a hour and finally give up talking to a person, or in most cases get disconnected.

Have been trying to get this bank draft authorization taken care of and have called since Jun 29, 2016 about this. Nothing taken care of. Every time I have called they never get the fax that was sent. Yet I get an answer thru the fax that it was received. I have never talked to anyone so many times and still do not get it taken care of. I just worry because this amount is taken out from my credit union every month and I do not want my insurance policies that I have with American General to lapse, just because of your end. So dissatisfied with customer service and I will not recommend anyone to call them because of their bad service.

I have had a policy with this company since 1999. Since its closing of local agencies, I have had nothing but problems. I have never missed a payment. Well, upon its closing customers was given the option of sending payment in my check once they send you a coupon for payment or have it electronically withdrawn from your bank. Glad I didn't do that!!! When they fail to send the coupon, I had to call the 800 number three days in a row, because no one would answer the phone.

I have been trying to contact American General Life Insurance {AIG} for weeks and have stayed on the telephone line for hours and never got a response. I finally reached the agent and she told me not to call the company but to call her. My policy is for $15,000 but when I finally got a recording and put in the policy number it didn't exist. The recording said the policy was $977.32. Please help me.

My late father took out his policy in 1963 and paid every month since. Now after his death we are having to jump through more hoops than any grieving family should ever have to. Even the funeral home has sent the requested information, twice. Constantly being told there is missing information that needs to be resent, even after it is done. Get Your act together. This stalling technique is unprofessional.

My experience was the same as everyone else's here: HORRIBLE. I called my Financial Advisor who said the company is in good shape and not to cancel the policy, as he felt certain it would be paid when the time came. He called the following phone number and stayed with me on the line: 800-247-8837 which is not intended for policyholders, however they transferred us and got the problem taken care of. The other phone number which they claim is for policyholders is 800-888-2452. It's still in the Philippines, but give it a try. Hope this helps!

We sent annual premium to American General Life in July 2015. In September, we were notified that payment not received, will need to reinstate. We checked with the bank, and the payment cleared to bank two weeks after payment was sent. We called AGL and they informed us that they moved offices and paperwork was lost in move. (Apparently they do not have digital files.) They would check and get back to us. I asked if wife is still insured, and the answer was yes. In April 2016, we get a check for annual premium back, saying it was insufficient to cover the policy. Impossible. That is our amount due! They say send check back and they will process reinstatement.

My parents have an annuity account thru American General set up by Huntington Bank. In March, we requested a withdrawal form because they moved to assisted living and needed the funds. The account was to mature the first of April and we figured we would try to get all the paperwork ready ahead of time. Two requests and no withdrawal form was mailed. Finally in May, I went to the local branch of Huntington Bank and ask for them to get a faxed withdrawal form. They were very helpful and I finally got the form. On May 12th, we faxed the completed form along with the Power of Attorney papers. Two weeks later we received a letter saying we had to complete their internal POA papers before they could complete the withdrawal. On May 26th, the completed form and change of address was faxed back to American General. I was told once this was done the check would be in the mail in 5 to 7 days.

My uncle took out a life insurance claim with American General Life Insurance September 13, 2013. He passed away on August 10, 2015. A month and 3 days prior to the contestable period. I am his niece and the beneficiary for this policy. I have complied with all the requests of the company. They have received medical information from all but 1 facility. They have been contacting the facility since December 2015 but to no avail. As of this date American General refuses to process the claim. Not only that but they have been discourteous and disorganized. You call customer claims and get information one day and next week you get a different response.

I have tried for weeks to cancel my policy ago no avail - all the numbers reach a dead end and get disconnected.

I've been trying for weeks to get through to them to make a payment. Average wait times are 50 minutes and up. I WOULD NEVER SIGN A LIFE INSURANCE WITH A DYSFUNCTIONAL HAD I KNOWN THIS BEFORE. Buyers beware!

I have had a life insurance policy with American General Life Insurance Company for a long time, paying my premium yearly. This year being out of Country for 6 weeks, my premium notice came and was overlooked by my daughter paying my bills in my absence. When I returned I found the notice and paid immediately. American General sent me forms saying I was dropped due to nonpayment and to reinstate fill out forms and return. I did as asked and now have received notice of my being dropped and no longer have a policy with American General.

What the Heck is going on at American General? I called several times yesterday, to each and every phone number that I could find for AIG. Recording said you were receiving a high volume of calls. One of the times I held for 97 minutes before my call was dropped. Now today, I have started the process over again, and still can't get through. Is AIG out of Business, or are all Employees on Vacation?

I work for a funeral home in which part of my job is contacting life insurance companies to report a death to start a claim. This is done so that an assignment can be processed. I have a problem every time I try to contact American General. On 5/17/2016, I was on hold for 52 minutes and never got through. Today 5/18/2016, I have called three times and the phone drops my call after 8 minutes. It does not give me an option for the claims department. I have called 800-888-2452 & 800-521-2773 & 800-321-3655 and can't get through to any of the phone numbers listed as contacts. Was trying to find a email to send a message, but not available. Has American General gone out of business?

I've been on hold for over an hour. I want to cancel my coverage with American General. How can I trust a company who doesn't have good customer service? I'm not sorry, I'm disappointed. I need to cancel and they don't pick up. Ask yourself why is that...

I'm trying to cancel my policy. Sent customer service a request via the message center in my online account. No response in three days. I'm currently calling in and I've been on hold for 40 minutes. Apparently there are 'higher than expected call volumes' 365 days a year.

On March 3rd I sent an online payment of $500.00 to American General in error. On March 17th all proof of payment from the bank was sent & confirmed it was received. I was told it was being processed & I should have a check by April 23. After several more calls & on hold for 22/36 and 30 minutes with no answer, finally after a 42 minute hold I got a hold of someone in the Philippines, that of course put me on hold again. After another wait he told me it was being investigated. My policies are paid in full, no more premiums due. Since they know they have my money what is there to investigate?

I have been unable to contact this company for some time now. All local offices are closed down and the 800 number that is given on the website is impossible to connect to a human being. I was on hold for 6 minutes and the line goes dead? Has anyone had any luck reaching this company? Even though the company is unreachable they still continue to draft my funds monthly...

Even after cancelling my policy with AIG, they collected the amount and it's been more than 4 months asking for a refund. No response! This is the only company that has no customer care email. The only way to contact them is over the phone with a long wait time at least an hour! (AIG why don't you hire people, rather than saying "We apologise the delay"!) Personally, I believe this company is cheating with their customer. As per their customer service.

Have gotten a total runaround and moved from one person to another and then placed on holds for 5-10 minutes before finally getting to another person who says they have to transfer me again. Finally get to a person who says that they see the return premium request has been submitted and sent for that the request is pending. Can't get anyone to give a straight answer as to why and when this @ 233.47 overpay will be returned. I can't imagine what it would be like for someone who had to have their money back quickly for needed expense. Please be advised that treatment of small investors and policy holder in this way is utterly mindblowing. I for one would not allow them to insure anything of mine in the future and everyone should be told likewise to do the same

I had a life insurance policy with this company since 2004. I changed jobs and did not need it anymore and was told to complete a form and I would receive 2100.00 dollars as a cashout. That was 2 months ago. I have since left over 50 messages. Have spoken to multiple rude people who gave different excuses. The latest excuse "We sent it to the wrong address" but I will have to wait until they locate and cancel the check. I would never recommend this company to anyone.

Parents had this as life insurance. I, as trustee had no problem collecting. I had options. I choose to keep over 100,000 with them earning 1% interest and can write a check on it anytime. Totally happy with them.

I have had the same policy for 10 years and have a auto withdrawal from my bank account. Suddenly the amount withdrawn was over 6 times higher. I called and waited over 15 minutes to talk to a rep. They said they sent me a letter telling me of the upcoming change and when they did not get a response, they went ahead with a renewal at the much higher amount. I never received a notice and they have my phone number and could have called.

Do not do business with this Company. Getting your money will cost you dearly. I trusted that I would be treated fairly and was wrong. If I can help anyone else to keep from losing their hard earned even though I have lost mine then this post will be well worth it. They are the worst in customer service as well... Even when you get someone on the phone they sound like a recording. When I ask the guy to please stop repeating his prepared speech because I heard him the 4th time he said the exact same thing his smart response was "well obviously you didn't." My husband has now been on the phone for hold over 20 minutes trying to speak to someone in Consumer Relations.... Rant over. I worked hard for my money and trusted the wrong Company.

I am a financial planner and am writing to express my dissatisfaction with the service area of this company. After processing a fixed annuity investment for a client, the back office/support team completely dropped the ball with timely process of the transaction. In 17 years in this business, I've never encountered a more inept and uncooperative group of people. I will not steer any clients into this company in the future -- they are awful.

I could make this long and drawn out, however I will not. This company is unethical and very fraudulent, the customer service is terrible and the insurance analysis are liars with high deceitfulness. They give people hell to receive death claims and maneuver with great skill no to pay. DO NOT DO BUSINESS WITH THIS COMPANIES.

I have had this insurance for 34 yrs and I did not have a problem with preconditions. My plan is very affordable. The customer service is quick, reliable and their staff is very very helpful. I would recommend them to all who need insurance and I have. So have folks check them out. I'm glad I did.

My mom had this policy for over 30 years, and when she just recently passed away, her change of beneficiary filing was never processed. When I asked why they told me they aren't sure. I got a call the week prior and told to that everything was right and fax in all the necessary certificates, my stepfather's and my mom's. Now checking on it today, oh it's a whole another story. These people they have working for them that answer phones do not know what they are doing. They should take better notes In their system but yet they still took my mom's money even with a new name up til the month she died.

After the initial sign up through my husband's job, I really have not had much contact. We receive an occasional mailing but other than that no contact. According to employees who have been with the company for a longer period of time, the company has a good reputation, which would suggest to me someone in employment or employee's family has experienced a death, sorry to say. This is all the experience we have had with AGLI. Thank you.

No problems have arose with my insurance. It is just life insurance to a small policy. It was bought over 30 years ago. My spouse has since passed away since I purchase this policy. I have no negative comments to make about this company. Transfer of beneficiary was easy at the time.

Satisfied. I haven't had to use it yet. I purchased the insurance online with ease of use. My paramed test was conducted in a timely manner and the underwriting was smooth. I've had no real issues so far. They're quick to process any changes I need to make like address change or name change.

The company offers competitive, reasonable rates. Employees are responsive and do their best to help you with any problems or questions you may have. Most customers would be able to find what they are looking for. Unfortunately, it doesn't offer mobile apps to access your accounts. This is not a very serious issue, but it would be nice to have it.

I am extremely happy with all aspects of my policy and the company. When I need questions answered my agent usually gets back to me with an answer in 25 hours or less. When I needed to change my policy it was very simple and my agent helped me all the way thru the process. I do and will continue to tell people about my policy and recommended the company numerous times.

I first started the insurance at $20,000 which was very cheap a month. My agent suggested to try for a whole life policy of $200,000 that would gain each month paid. I applied and was denied. He reapplied for $1 less, and it was approved! Monthly is $100 regular. I was able to borrow out of the cash value which I pay back by paying $20 extra per month. The only thing I must say that is disheartening was that I was told at first when I got the loan, it would not affect my policy amount if I passed away before it was paid off. It was changed just recently to where if you have a loan out, it nulls the payout until the loan is paid. I feel this in unsatisfactory, since when I first started with the company, I joined under the understanding it would not, which is why I started it in the first place. Be sure to dig around on the company you are looking to use for life insurance and check with people to be sure you have all the fine printing investigated before you do sign on.

I mailed the death claim for my father on 10/05/2015 and as of 11/12/2015 it is still pending... The policy is over five years old with no contestability. I also filed claims with two other companies at the same time and both companies paid the death benefit three weeks ago.

My employer pays for this. I don't deal with them personally. As far as I know, the company does not have any issues with them. All required paperwork was fairly easy. I love the fact that I have this, but at some point would like to add more coverage to secure life for my children.

The sales person was knowledgeable, he gave us information to help us save money and get the policy we required. The sales person came all the way out to our home in the rural area of the city of Battle Ground and didn't seem to us to be in any hurry to get through the appointment or to sell us a lucrative insurance policy. He gave us a number of days to think about the contract we had signed.

Very easy to work with and had the product knowledge I was looking for. We met a local coffee house to talk about all of our options. I don't like to have people into my house so the fact that he was willing to meet me someplace different made me feel more comfortable. He was able answer all my question.

This company has fair rates and they will take the time to try and answer any questions that you have. I have had a policy with them for many years and they have never gone up on my rates. The policy also builds cash value. If the need should ever happen and you cannot pay your premium they will use the cash value in the policy to pay the premiums for you so that you do not lose your coverage. They let you chose how you want to pay and then send you a notice when the premium is due. I would tell anyone to check into this company if they were looking to get life insurance.

Had it for 17 years. It also cover my rental insurance as well. I'm happy with the coverage I have. I'm not looking to get anymore insurance at all. My agent is very understanding and my insurance company is in my community and they also give back to the people that lives here.

I am happy that I was able to get some life insurance for my husband just in case, other than retirement from my former employers pension for the spouse to supplement income. So far don't have a lot of issues or questions, however, communication is available by the phone or email.

On August 30, 2015 my mother passed. What should have been an easy process (sending in the death certificate and claim form) my father is still waiting for the correct payout amount. This was a very small policy and should have been processed with ease. The records at AIG are very disorganized. The follow-up process is slow which are all factors in why you should not do business with American General Life Insurance Company. I work in the media and will certainly get the word out that AIG should never be a consideration when looking for a life insurance policy.

I have had my life insurance with them for more than 10 years. I have had to make changes due to divorce, children growing up, moving and bank changes and I am always happy with the level of customer service. I am always able to speak with someone and they always take care of what I need and I never have any issues and never had problems with my automatic payments or any lapses. I also like the fact that I feel like they will be around for a long time to come. I plan on staying with this company and I would recommend them to anyone looking for insurance.

The insurance was fine as long as you handled business as directed. As long as you did things perfect. If you made an error things did not go smoothly at all. The process was very difficult to handle. Things have to go smoothly in order for you to really like this insurance. Now there are others that have this insurance that say it is terrible because they have got into accidents and the process didn't go smoothly. They had to pay a lot of extra funds. And the insurance American General did not want to help people. They only help with small portions of recovery.

I have had this insurance for 5 yrs and they make it so difficult to file a claim that it's almost not worth it. In 5 yrs I've filled 3 claims and they only paid on one all the others were either lost or they just gave me the runaround to the point it wasn't worth fight with for a couple hundred bucks (yeah that's how bad they suck). By the way the one they did pay on the claim was handled by the agent who sold me the policy.

We have had this insurance for about thirty years. Actually husband worked for this company for a while in between working for two different funeral homes. We have even borrowed from it when we were a little short on kids' tuition. It's a great company.

I have minimal contact with my insurance provider. They send me annual statements, but I do not hear from them any other time. Right now I don't even know who my representative is. It would be nice for someone to check in every once in a while to do a review.

I'm mailing my payments every month but they saying they haven't received my payments. I don't want to lose my insurance of 7 years in Tennessee.

I am still waiting on my mom's annuity check!!! She passed away Jan 22, I filed the claim and I got the packet and I sent in all the paperwork that American General Life Insurance asked for. Now they sent me the same packet saying they never received anything, even though I have sent it certified. So I resend the paperwork in again. Lo and behold they send me another packet saying they need other paperwork. I send it in again certified and they can't find my paperwork. I send it in again same thing, they send the packet back.

My uncle, Walter ** had life insurance through American General Insurance Company in Tampa, FL. He died 1 month and 3 days prior to the 2 year stipulation period, which we were not aware of. During one of the most stressful and grieving time, I had the worst experience with American General. Upon his death, a funeral home was contacted to retrieve his body for services. I contacted the insurance company and thought everything was O.K. Upon the funeral home contacting American General, they found out the policy was being challenged because of the 1 month and 3 days before the 2 year mark. I was horrified. Walter was already at the funeral home and I had to come up with almost $6,000 for arrangement. American General wouldn't even give us the premiums that had already been paid which would have been almost $2,000 and that would have greatly helped.

I have had a 30 year term life insurance policy with American General Life for 7+years. I paid my annual premium on time using the pay by phone service. I received a letter confirming my payment and it showed the correct policy number from American General Life and the funds were withdrawn from my account. Sixty days later I received two letters from American General Life (on the same day!!!): A "refund of unapplied payment" check and a "lapse of policy" notice. I called the American General Life the next day and explained this. Their records confirmed everything I said but they said they were unable to reinstate my policy without lengthy reinstatement forms being filled out and processed in spite of the fact that the problem was caused by their own error. They had my money in an "unapplied credit" account not applied to the insurance policy I TOLD them to apply it to.

I received an AGL cover letter from the Annuity Service Center in Amarillo, Tx. claiming my sister and I beneficiaries of our father's life insurance policy. Complete with a policy number! First of all, they used my first name in the correspondence that I had legally changed 15 years ago. Second, my father, who died last year, never took out a life insurance policy. And lastly, the letter they sent even says that a response is required within one year of death of the deceased. Which means they sent me the letter more than a year late. And they think I am going to just fill out some form sending them all kinds of personal information. Some of which they should already have record of if a life insurance policy taken out by my father actually existed. By the way, American General and The United States Life Insurance Company of the City of New York are not credited by the BBB.

I had been with AIG for four years. I received a notice and a small check for $140.00. They said that I missed a payment, even though it was being automatically drafted from my account. I called them, they said that the funds were not in account, which I knew was not true. So after speaking with three different people, it turns out they were using an incorrect routing number. So I said, how could that be y'all have been taking payments out of that account for years. Somehow for whatever reason they did not have the correct routing number anymore. Their excuse was that the computer messed up. So now at 55 I have to start all over and try to find coverage. After reading other stories on here, I don't understand why the state insurance board does not step in.

As a Life Agent I see many clients who have these types of policies and none of them really understand what universal life is and what happens to their coverage later. Nice couple, 49/45 yrs, got "flexible premium adjustable" 5 years ago and thought it was whole life insurance. Instead, at age 77 the premiums will increase to an unknown amount and unless paid, the policy will lapse. Shame on the agents who sell this. Shame on the companies for letting them sell it without the proper details being explained to the people who will likely not be covered when they'll need it the most.

A few months ago, I received a letter in the mail addressed to my husband who passed away in December of 2011. It stated that his policy had matured and asked how he would like the money. I was surprised to see this, as I had no knowledge of this policy. I called, and they told me that there was a policy, and they issued a claim number. I filed the necessary paperwork, and in March, 2015, I received a check for $4032. I was very happy and I used the money for some much needed car repairs.

My father passed away last July. Since August my mother has been trying to simply effectuate a spousal continuation of this claim. They have lost the paperwork - including the $15 certified copies of the death certificates now 3 times. They are the most rude and inefficient group of people we have ever worked with. I work in an attorney's office and they won't release any information to him as the attorney for the estate or me as the daughter. Every time my mother calls they tell her she has to fill out the same paperwork and have blamed it on the mail each time. This time it was cert certified and they still have not processed the transfer. Do not EVER spend a cent with this company - they do not care that it's against the law for them to keep the money and not give it to the beneficiaries.

My dad passed away Feb. 4th 2015. I was contacted Feb 8th that my dad has a Life Insurance policy through American General and that it was to pay funeral home and the remaining was to go to myself and 2 of my brothers. I had the worst customer service with them and kept getting the runaround. I had to contact funeral home 2 different times for them to try to get AG to pay them and us siblings. Finally after getting a lawyer AG paid funeral home on April 15th and us siblings got some of the money on April 21st. I will never recommend or ever use American General again... I went through more mental distress with them than I did with my dad, and that alone should have never happened, they needed to be supported and there in my most time of need.

We received cancellation from American Life Insurance in 2014. The reason they were canceling our life insurance because the payment we were making each month was now not enough, they tripled the cost. We both just turned 57, and AIG said if we did not make these payments, our life insurance would be canceled and at our age, we probably couldn't get anymore. We took out life insurance in 1979 while my husband was in the military. American General was what was suggested that all young soldiers needed to take out life insurance to be cashed out in 20 years for our future children college tuition. We paid in every month since 1979. AIG told us there was no money to be cashed out. It is hard to believe all this money we paid in was all lost. We feel robbed!

I have been with American General since 2010. I got a letter stating my policy will terminate in May because I haven't paid a premium on one policy since 2014 even though I have receipts. I stopped sending payments to the office in Nashville because it was always a problem. Every other month seem like I was getting a termination notice, so I started sending payments to the office here on Walnut Hill. Somewhere they messed up with the payments as well. I ask them to send me another agent to straighten these receipts out but haven't been assigned one, it's as though they don't care. I'm requesting some help before next month so my policy won't terminate, please help me. I need an agent to come to my house to look at my receipts and my premium chart from AGAL.

Today I received a payment notice from American General Ins. for a loan that I never took out. Have never had a policy with them. Ironically the document is titled Notice of Premium Due and Offer. The document also asks for a premium for life insurance I do not have. Have not called yet but after reading online information chances are no one will answer. How is this company still in business?

I have been trying to work with this so-called company since Nov 2014. First to cash in policy. Dad was in nursing home and would probably need money. Passed away in Dec. Tried to cash in policy. Always need more info. They never call to tell you. You have to follow up daily. They always lose documents. Still don't have money. I would never recommend this company. Are they really solvent?

Please, if you are thinking of going with this insurance company, DO NOT do it. They want to take your money but if you are in need or emergency they will do all in their power to delay the process to not pay out!!! This is by far the worst insurance company and by far worst customer service. Nightmare!!

I'm trying to find out the amount of life insurance coverage my cousin has. I am his conservator due to his mental/physical handicaps. Even providing them with the court order issuing me guardianship of him, they refuse to provide me with the requested information. I'm not a lawyer (thank God), but it appears by denying me the information on my cousin, they are violating a court order signed by the Honorable **, Chancery Court judge for Hamilton County, Tennessee, which I believe could be contempt. I'm still fighting American General Life, but don't expect a satisfactory outcome based on my experience with them so far and the other comments I've read at Consumer Affairs.

I recently became the beneficiary of an Annuity. I have found it difficult to communicate with American General. They sent an initial packet of information. When I called to clarify how to fill out the form it was like catch 22. They would not talk to me until the form was submitted. I could not submit the form until I talked to someone. I ended up getting help from a third party. I was able to finally submit the claim form & they will talk to me about the open claim.

My mother made my brother and myself beneficiaries on an annuity she opened in 1995. I tried to liquidate it last year in April, but by the time I filled out all the paper work they needed, she died (August 2014). I had more paperwork now since I was now executor and not power-of-attorney (it changes when the policy holder dies). After more paperwork, getting said paperwork notarized, and more paperwork, I am still sick-to-my-stomach with more paperwork that they insist they need. My mother has been dead 6 months, and they are still STALLING!!!!! Unbelievable, and the supervisor, Carol ** promised she would take care of this herself during my last conversation with her (I broke down sobbing to her about my frustration with all this), then today she told me they needed even more information (a small estate affidavit) and that it had to got through the court system!

My siblings and I found out 3 months ago that my Aunt had a policy that went to my Mother who is now deceased also. This left us to receive the money. My siblings have gotten theirs and I sent my papers back the same day and all I am getting is runaround.

I have filed 3 claims and they keep giving me a runaround on them. Been told I have to send something in and that's it. Then a month later I get another letter saying I need something else. Been told this many many time. Been told I'm going to be hung up on and have been hung up on. Not stopping here. Going to file a complaint with insurance commission.

I have been trying to get a claim on my deceased brother paid since September 2014. The problem is that I don't think the company has trained its claims department how to think outside the box. Every reply to me has been "Let me review this claim," and it will take 10 to 14 business days to handle a simple request. My sister and me are claimants on my brother policy. I know I have made at least 25+ calls and have been told conflicting information. Finally my sister received her paid benefit on 12-5-15 and received it 4 days later. My benefit was mailed at the same time, same address and never received. I cannot begin to tell you the delays, conflicting information and unprofessional acts I have had to endure to get a stop pay and reissue.

In trying to rollover an annuity, the company changed what was required three times. The receiving company had no idea what American General wanted. When asked if they would make a phone call to clarify what was needed, they refused.

I received an inheritance in 2001 which had to be put into an annuity. I chose this company for its longevity. It was a 20 year guaranteed payments with lifetime payments. I sold 10 years of payments which ended in 2011. I contacted American General to get my payments reinstated. I was told that they had sent letters to the company (Pacific Settlements) which were returned, and there was nothing they could do and I had to locate these people myself. I asked for all the paperwork they had in regards to my annuity. When I received it, I found that they had not sent requests to the wrong person. American General does not update their system with current information (after 39 months they haven't updated my current address or phone number).

Have a claim with these (you name it), they lie (new speak..misstatement) and when you pot them in the face with their "misstatement" they do it again. Their business policy is get the money and delay, deny, it is ok to lie, sorry misstatement.

My husband ex-wife contacted my husband, who already has life insurance policy on him since they were married for 250 thousand & they have been divorced for 7 years now & 2 days ago, she contacted American General & spoke to him & agent into getting another policy thru American General on him for 100 thousand. Well the agent called him back & spoke to him. Then the agent spoke to me because my husband wanted to make me a beneficiary on another policy thru American General. Well I decided against it & my husband decided that he would not let his ex wife be a beneficiary on the other policy that she took earlier that day thru American General. But what I am mainly upset about is the agent contacted his ex wife & told her that he & I decided that she would not be a beneficiary on that policy & he wanted it cancelled.

My father passed away August 25, 2014. We have been getting the run around with this company. The man at the funeral home said he mailed the death certificate and claimant form together but yet the insurance company claims they only received the death certificate and when he tried to re-fax them to the company he had problems with that. My mom paid on this policy for years and she wants this settled. Ashamed a company has to hire people overseas who can hardly speak a bit of English. They should not be in business after all the reviews I have read. I would never deal with them myself and my mother is thinking of cancelling her policy.

My brother in law passed away leaving a living trust executed by lawyers four years prior to his death. He made me first successor trustee in as much as he and my sister never had children. My sister preceded him in death three years prior. I submitted a copy of the trust, his and her death certificate and numerous other forms they gave requested in the lady eight months. They are now saying the trust wasn't named as a beneficiary therefore they don't recognize it. I don't understand. I feel they just don't want to pay this policy out and they are not being honest. Such a shame so many people trust this company. I will go on social media to expose them for what they are.

I just got a letter today from AIG trying to sue me for my brothers policy that I've took owner ship of. However, they claim he was lying about being arrested on the policy, and I took owner while he is in detention center. I mean really he set up that policy and got approve. 6 months later he got arrested and he can request change of ownership through mails. My agent was helping me through out the whole process and now she is no longer with the company. I need help fighting this case, and by the way my brother is now living down the street from me and searching for job. I didn't mention that I surrender my policy from them and bought a new one from WRL. I wonder if they were upset at me for cancel the policy. I want to know why they just figure this out 1 year later.

My husband has had American General life insurance all his life. He has three policies with them and I have one. We always had excellent service UNTlL our local agent retired and our account were sent to the closest district office near Pittsburgh..We always pay out bill with the blue payment stub that was sent to us every month. When the district office took over our policies that is when everything went down hill. We only received a bill for ONE policy. When I called she explained that the system was showing that one was paid up and the other was paid OUT.

I was told they had a class action law suit against them 20 years ago but for some reason I was not included. It was for policies called Flexible Premium Adjustable Life Ins. policy. I was just told it expired at the end of the years 2013, but I was never notified about it and now I am losing my insurance. Does anyone know who the lawyers were that handled the class action suit? Or maybe interested to file another one with me. Please, I am desperate for help.

I got a letter from American General telling me that my dad had a policy that a claim had not been filed on... Did all the documents... My dad died in 2001... My mom was beneficiary... She passed in 1956. So I filed the claim. I am the daughter... Don't know how much the face value is on this policy, but only $27.00 showing in their computer... Bunch of crooks...

My mother paid life insurance to this company for over 50 years. So imagine my surprise when 5 months after my mother passed, I am still waiting for payment of only $7000 in benefits. Going round and round, lost documents, claiming they need assignment forms, claiming they need something from the funeral home even though their letter clearly states: "If an assignment or response is not received in 21 days, we will consider this a release of assignment." I spent $20 to fax documents previously mailed. Customer service is overseas and some barely speak or seem to understand English. Have called them numerous times for status and always a long hold time, and a major runaround. This has been beyond frustrating after the loss of a loved one!

My mother passed away on June 28, 2014. That was bad enough, but what is happening with her insurance is criminal. I called American General Life on June 30, 2014 to file a claim on my mother's policy. They are using every excuse not to pay out on her policy, and rudely I might add. They are saying a verbal answer to a phone question, that I don't remember making, overrides a signed document I sent to them. It's just a ploy to hold up paying on this policy for a while longer. I too would be interested in filing suit against this company because they are misrepresenting that they actually care about their policy holders, and that is a big fat lie. Kick grieving families that have huge funeral bills while they are down. Please do not use this company. You will be sorry, or those left behind to deal with them will be sorry.

I am gonna make a long story short. My dad has had a policy on me 24 yrs and he passed away and I have been trying to have the policy changed in my name for a year. I have the same complaints as everybody else on this page. Supposedly lost paperwork. Threats that's policy is about cancel, etc. etc. After 1 hour waiting on a consumer affairs rep she advised me there was gonna be 25$ charge for MY policy certificate and was RUDE! If all these neg complaints should raise a RED FLAG to you before you purchase from this company.

I would not advise anybody to sign up for this company. I have been in this insurance company for almost 45 years. Every time you call customer service they give you the run around. I had a insurance policy changed over to my name with an agent, and now she claims she doesn't work for the company anymore. I was trying to cash in my policies and they are saying my name is not on the policy. I would not use this company. It’s a complete rip-off. Somebody really need to do something about this company.

Just yesterday, I signed up for a policy for $250,000 with American General and today after reading all the reports on this site, even though it is Saturday, I called to cancel. I left a message to call me back first thing Monday am. We will see! All I can say is they better not have taken the money out of my account yet. The agent said it wouldn't come out for a few days. I'll post again if I have any trouble with these people. I'm 70 yrs old, and nobody will want to mess with me or my money!!

I'm disputing the denial again with the help of attorney. American General Life Insurance Company denied claim because they said the policy loan exceeded the cash value. The policy loan calculations are miscalculated and it appears to be done on purpose.

My father-in-law has been deceased for 24 years. When we (my husband) received a letter from American General informing my husband about a policy on his father, we sent all the information asked for. They said that they would call and explain. That didn't happen. 24 years amounted to $35.75. They paid the premium out of the rest of the money. Why open insult our intelligence!

I have repeatedly called American General for the last 2 months on behalf of a client of mine. We are requesting a simple illustration per the terms of the policy contract and American General refuses to provide the illustration as requested. After speaking with supervisors and employees in the illustrations department, I was told that the only way to get the illustration I was requesting was to file a formal complaint.

Well my aunt passed away in April of 1995 and my mother was the beneficiary of her policy. Both of the sisters were in the hospital. My aunt passed first then my mother passed a couple of months later. After 19 years I haven’t heard nothing more since last year when they contacted us. My brother got the letter requesting all our names and address of my mother’s living children so we did just that. Then last year in March we had to fill out a form and mail it back to them. No response, no money, nothing. Me and my sister stay in contact with each others. Nothing yet. After all these years had went by, nothing. My brother sent in all the information they asked for. I haven’t heard anything else from the insurance company as of today. This is unbelievable for an insurance company to do their clients and family. Something need to be done to speed up the process and they should be made to pay interests on all these years. So this is my complaint against this company. Thank you. Looking forward to hear from you asap.

Three years ago, I lost my wife of 30 years. She had two smaller whole life policies with this firm. Either she failed to update her beneficiaries or the local office did not process the change. So the policy had her dad (since deceased) and an old boyfriend listed. When I filed a claim, I learned about this. I filed a claim when she died and was told that I was not beneficiary. Okay. So I told them her dad had died and they sent a letter acknowledging his death in 2010. I then had a quick conversation with my lawyer who suggested contacting her ex-boyfriend and asking if he would be willing to disclaim interest in the policy.

My Father has a policy with AGLA that we have requested a Cash Surrender on. I have been awarded Legal Guardianship/Conservatorship as well as Durable POA for my 96 year old Father due to his dementia. On January 2, 2014, I emailed the local agent and sent the Guardianship/Conservatorship and POA documents to him so that he could legally speak with me about the policy. On January 6 he emailed me the Cash Surrender form. The same day, I completed the form using the information from all the correspondence received from AGLA regarding policy numbers and emailed it back to him for his review and signature. He indicated he would review them, sign them, and send them to the Corporate Office for processing and that "home office usually processes CSVs in two to three weeks".

Customer Service is the worst. My mother has 2 Life policies with AGL, which I have taken over making the payments. AGL has done everything to misinform me and to coerce me to let these polices go. One of the policies lapsed in August 2011 because the premiums were left in suspense until the policy lapsed. Now, in Feb 2014, I was informed the other policy lapsed because the premiums were used to pay the loan and not applied to premium and the policy lapsed in Nov 2013. We were never informed that the policy was lapsed or that the premiums were being applied to the loan until Feb 2014. I was making payments regularly and getting confirmation numbers for the payments. The first lapsed policy was reinstated and now this one will be reinstated; however, the premiums are much higher. I've asked for a projection of premium costs going forward which they should be able to provide, but still have no answer. I send emails and get no answer, I call and leave messages with no call back. The agent and his manager now claim they have no control of the home office people, that I will have to deal with them. I need answers that are honest and I need to get this policy reinstated.

My policy was canceled because my quarterly payment was due on 10/15/13. My personal check cleared my bank on 10/17/13. They did not update my account till 10/24/13. I am a banker and know that a paper check takes at least 2 days to clear. American General had my $$ on 10/15/123. They requested medical records which I gladly sent.and then received notification that the policy could not be reinstated because of health reasons. Both my personal insurance agent and my attorneys tell me that after a policy is in effect 2 years, the company cannot cancel due to health reasons. American General may have been able to conduct business like this in the past because other elderly customers probably did not persist. I have contacted the state insurance commission with this complaint and am posting this on every consumer watchdog blog that I can find. I will not stop until I have a reinstated policy. I will see American General in a court of law. It will cost American General more than my policy amount.

My mother Ann **has more than 10 policies with AGLA since 1974, which probably started out about .50 cents or a 1.00 or 2.00 per policy. The premiums are up to nearly 200 monthly. She was at least smart enough not to do auto withdrawals from her account with them. They have her name listed as every name but her real name. They are giving me hell to get the names on her policies corrected. Were scared to cash them in now (low to no cash value) based on her age, but then we may not get anything at all from what I have read above. They know that the elderly do not know how to get online to process/print forms or requests for claims. As her daughter I feel I too have been used and abused as well as she has been abused financially. I know that these policies have been paid for in full a long time ago. Mother has recently been ill now and we have no clue (only God knows) as to how long she will be with us. We want to be a part of any lawsuit formed against AGLA. The ball has not dropped yet with them, but based on the below complaints (we will be next crying).

I have been trying to collect on a claim (a very small claim less than 700.00) and every time I call the Life Claims phone number, I get a representative that gives me different information every time. The first time saying I need to submit more info. I was told they received on September 17th. Then to wait two weeks to check. Called again and was told I did not have Page 3 of 6 of the policy filled out and to fax it back. They received it on October 22nd. Called November 5th to ask the status. I was told that the policy is not for me and for my deceased father. So, from September 17th when they received the documents until today November 5th, it took that long for them to say it is not my policy (which it is to say the least). I will not purchase a policy from this company especially knowing now how much trouble my kids will have to go through to collect monies that is rightfully theirs. They can keep the money for all I care, all $687.00 of it!

My father passed in Sept 2012 with a $10K policy bought in the 1960s. About a 45+ year old policy. The base policy itself has been pay off for 20+ years. After almost a year of back and forth, my brother and I received a split check for the face value of the policy. No interest or payout of the other monies paid. I am still waiting on an explanation. The last one received was a joke, stating something about Texas law and IRS reporting. Things would not be that bad, if my father did have 2 other $10K policies not near that age that paid promptly with interest and invest payout totaling of over $100K. From what I can see, this company is a take the money run company. Sad, very sad.

On September 6, 2013, I became aware that a new company to my knowledge, listed as American General, had withdrawn from my personal checking the amount of $30.78 listed as 'premium'. I drove to my bank and told the manager that I had recently requested health insurance info from Humana One 3 days prior. The Humana processor asked for my checking account number and told me I would undergo a physical as part of the process for underwriting. All expected information as I am a retired nurse and aware of the physicals, etc. What I was not aware of, however, was that my personal banking info would be passed on immediately to American General and that they would debit ASAP in view of my NOT possessing a bona fide policy with Humana One nor with AGL until due process of underwriting had been accomplished.

My parked Honda Odyssey was hit by man who has AG Auto Insurance... I was prompt to call and make a claim. It has been 4 weeks now and no progress. I am still without a car and with no response from Statewide Claims Services other than that they agree that they are financially responsible and that my car is totaled. Vanessa ** at Statewide is very rude and lacks any amount of professionalism. After seeing the complaints posted about this company, I cannot for the life of me understand how they are still in business?????

I've dealt with this company since the 1980s. At first, things were fine. Then it started going downhill. My first husband passed away in 1995. As is the custom, I handed the policy to the funeral director, and he filed for the insurance; his fee was to be paid, and he in turn would write me a check for the remainder. Approximately six weeks after the funeral, he called and asked if I'd heard anything from American General, that he still didn't have anything from them. I called and was directed to a man who told me he was the one handling the claim. I asked where we were in the process, and he said, "I'm not authorized to okay anything over $75,000." Okay, so where is the claim at this moment? "I have it on my desk". So my question was, "Could you pick it up and take it to whoever DOES have the authority?" His response was, "I guess I could".

I had this insurance which was purchased by my mother in 1990. I never had any problems until my prior agent retired. After that, everything went downhill. My new agent was racist and lazy, and it took me three months to get in touch with him after our initial meeting. After that, he came out and it was discovered he messed all of my policies up. He has my daughter listed as a smoker, when she is not, and he never gave her the swab test. So for one whole year, I have been paying for a smoker who is not a smoker. In addition, when I called the manager at the Troy office, he was the rudest person ever. He insisted I be quiet and was upset that I had called the office, agent, and customer care center multiple times. He also said he would hang up on me and would not give me his name. All I want now is my information transferred to another office because before I deal with this behavior, I will cancel the policies.

I have had insurance with this company since the 1970s. They have ALWAYS been a decent company to deal with until a few years ago. I would say even in 2000, they were still a good company, but lately, they don't give a darn about their clients.

I have two policies with this company and have been paying on them for 55 years. They originated with another company and were bought out/transferred more than a generation ago. I attempted to contact American General through their e-mail page making two attempts which were ignored. I finally did contact an employee by telephone at their New York office who, after a long and convoluted process, agreed that I did have two policies with a certain surrender value. I requested and received paper forms to request the accumulated money and have followed the progress of this online and at this time. It shows the policies terminated across the board. Before it reached that state, I received daily billings for the policies and many advertisements to purchase still more insurance policies. Company has stipulated nothing in writing so all I have to go on are the original policies, 35 and 55 years old and information delivered via telephone from a person in NYC.

My father went to change the beneficiary on his policy. The company wrote back and told him how much the cash surrender value was. My father decided to cash it in instead. That is when we started to get the runaround. They called me back and told me that the policy had been terminated and my father was not due anything. Long story short, it took every bit of three (3) months and many forms in order to cash in a policy that was well under $500.00 value. I would not recommend this company for any policy or product they might have. I still have every copy, plus all names and agent numbers for reference to prove what we went through. I would like to give them a minus 5 star rating.

7 months ago we were changing ownership of policies. We were told by our local rep to fill out certain forms. Actually, he filled it out and sent it in. I come to find out the forms were filled out wrong and rejected, so he filled out the forms again and had us submit other forms needed to change ownership of policies. They were rejected again because the wrong person was named owner on the policy, so we had to do it a third time. The first time, one policy was supposed to be frozen as a paid up account. Because paperwork was not done correctly and it took three months to get it done correctly, the account was never frozen as paid, so money was taken out of the policy to pay premiums that were not even supposed to be due because it was supposed to be frozen.

I contacted American General to get information on a policy I had taken out with a former employee. I was on hold for over 10 minutes, then had great difficulty understanding the representative. I asked her location, (where I was calling); she was located in the Philippines. She transferred me to a different rep (who was also at the Philippine office but she assured me the company was based in the United States). I was told to go online to "enroll the policy" so I could get a print out of policy information. The websites mostly promote purchase of policies - it's very difficult to find information on actual policies. I did find a spot to register so I could log in - unfortunately, it said it was for agents only. Hmm, no agent; I don't work at the place so I would have to track down a rep at the former employers.

After 20 years, I had a medical re-evaluation for the purpose of re-establishing my life insurance. I contacted my agent, K. **, as to what to expect. She was very vague. I was left in the dark as to my status with present policy. After much persistence and complaining, I am suddenly notified by my agent. My present coverage is no longer available but I could apply for another one. They apparently cancelled me because of my age and my BP on the day of re-evaluation. As I had been under a great deal of stress with my 5-year-old granddaughter in the hospital, I asked them to repeat it. They refused and said I had to reapply for a larger premium. Meantime, they had taken my premium out of my bank for the present coverage but stated by letter that no insurance was in effect (make sense?).