Colonial Life & Accident Insurance Co. Reviews

Colonial Life came to my job offering insurance. Now that I need it, all I'm getting is the runaround. I've sent Drs notes, paid for paperwork to be filled out. Only to continue to ask for more, claiming not enough information. I would not recommend being scammed by this company.

Colonial Health is a company that sells false hope; it is not legitimate. I purchased a policy on April 28, 2026, and—after checking the reviews on their website—I cancelled it on April 29, 2026. I called and cancelled the insurance, and they told me I would receive a refund within 7 to 10 days. However, when I checked my account early this morning, instead of refunding my money, they charged my credit card another $404. They are thieves! Please do not give your money away to this so-called insurance company.

Doesn't even deserve a one star. I have a critical illness policy which covers heart attacks and back in late February I had a heart attack and filed a claim only to be told need more information and I submitted everything they needed. My cardiologist printed everything for me to send only to be told that my heart attack doesn't meet the criteria for Colonial's heart attack. All this company is good for is taking your money and causing grief to their clients who are already going through enough to begin with.

They don’t pay claims most of the time and when they do it takes weeks if not months to get your check. If you cancel them they will continue to deduct money from your check for over a month, they said they mailed me a refund check on Monday and as of Saturday it still hasn’t arrived.

My agent Cameron did an awesome job assisting me with my claim. Very good at explaining things & making sure my claim was paid in full. 1st positive experience I've had with insurance in a very long time. Thank you & god bless you!

I am in absolute disbelief of this situation. Very misleading information is given, and everyone you speak with gives different answers. Caught the examiner in a lie. Staff was very rude, disrespectful, and condescending. I will be reporting them to Attorney General and Better Business for fraudulent practices. If I didn’t have to give at least 1 star to submit this review, I would give -5. And I am a medical professional. Further, I will be filing a class action lawsuit against this company. Anyone on board, please respond to: **.

If I could give them less than a star I would. Terrible company and I highly recommend NEVER doing business with them. I have lost out on thousands of dollars through them. They were NOT there when I needed them for an accident with time missed from work. They denied my claim even though I sent them doctors reports. These people are only out to line their own pockets and NOT actually help like they claim.

Just like the commercial said, call and get a free quote and a free gift. I called and got all the quotes I needed and then asked about the free gift, and the insurance agent did a flip. Said there was no free gift and that I'd be making a huge mistake if I didn't purchase insurance that day at that time. I told him I would need to call him back if I chose to get that one but I wasn't sure, and he got even more rude and hung up. So I'm guessing Colonial Penn does not want my business....

They change the date of the claim. I submitted a claim on Feb 9th and the website shows Feb 12th. Do they do this to delay payout? I don't trust this company at all. Website and agent state payout is 7-10 business days. Last $25 payout for a doctor visit was 14 days.

I am absolutely appalled at the service. I am currently injured and cannot work for an unspecified amount of time. I work for the state of CT and started my coverage in November of 2025. Due to a slip and fall outside of work I am forced to be bedridden and my initial claim was on 1/5/2026… I submitted Drs information and all materials I needed to submit as of 1/12/26 and the information stated that they received all information by 1/13/26. The only information that was submitted outside of this date was the employer form and that was submitted and FMLA was officially granted as of 1/21/26. They told me the 1/13/26 date was my date as of documents being submitted and 5-7 business days from that date all final decisions would be made.

Do not waste your time. Such a headache to deal with customer service and the person who signed us up! I can’t imagine filing a claim with this company. Seems like a bogus company. Thankfully I never paid them, no one would help me set up the deductions anyway. They contacted me through Facebook then came to my business. My husband broke his back so we saw the value in supplemental insurance, but definitely not this one.

I crashed my dirt bike and thought I had just suffered bumps and bruises (and pretty nasty road rash). After 2 weeks I sought treatment because I wasn't recovering like I thought I should have. Turns out I had aa torn rotator cuff and Labrum which required surgery and physical therapy to repair the issue. My claim was denied because I didn't seek medical treatment within 72 hours. What a joke! I sought treatment as soon as I realized I had an actual injury and not just bumps and bruises. I believed most people would have done the same. I guess I will start seeking treatment anytime I stub my toe incase it turns out to be something more serious. I had AFLAC before and they would have covered this injury without question. An accident is an accident! Back to AFLAC I go. I would stay clear of this company as they seem more interested in denying claims instead of providing the coverage you thought you had. Shame on you Colonial!

They came to my work offering me and my co-workers, life insurance and a bunch of other things and they had us fill out forms. I wrote my name like it should be and then they mess up my name and then they refuse to fix it without me happening to print out their stupid form and send it by mail due to their own ignorance. If any company or self-serving person wants good life insurance and good coverage. This is not it. Go anywhere else. Anywhere else is better than here.

Last year I spoke with representative and spoke with someone In the United States and he was very helpful. This year I spoke with someone in the Caribbean and barely understood him. I am having ongoing issues with Colonial and will probably cancel, I been a member for over 13 years.

I was sold a life insurance policy when I was in my 40s. The agent did not explain that it was a universal life policy nor did they explain how expensive that policy would become after the 20 year mark. Insurance policies often pay out a percentage of what the policy was worth if you cancel it. The agent also did not explain or disclose that this policy was not one that did that. After paying on the policy for 20 years and putting in over $23,000 on it and not being able to afford to continue it I canceled and I receive $1,300 of the benefits back. If agents had been upfront I would have never signed up for this type of policy.

This applies to Colonial Life Critical Illness policies. I am an atypical presentation heart patient. I have had two "Silent Heart Attacks". They were found days, weeks after the event due to stress tests. Colonial stipulates showing 3 of 4 presentations, stated chest pain, abnormal EKG, biomarkers present in the blood, etc, etc. Well when you have silent attacks, you may not check the box on all of their requirements, yet you have new dead heart muscle. They are behind and their policies are outdated. Not everyone is Fred Sanford. Customer service is great. Paying off on valid claims, not so much.

It’s depressing honestly. My husband died on my birthday this year in April. A representative and co worker convinced me to sign up right after his passing 54.XX a week. I fell into depression and was suspended from work. I ended up taking a LOA. June 6th is my initial claim date. I been waiting and waiting. Every time I send in what they ask it’s 5-7 business days, then you call back or look online to check, then they need something else, another 5-7 business days. Ow it’s we gotta make sure it’s not a pre existing condition.

Just wanted to pay our premium on the phone with a checking account. I was cut off and right after received a call labeled as 'potential spam'. The person claimed to be from Colonial Life and immediately asked for my personal information. I wouldn't give it and called back. After waiting 5 minutes I was cut off again. Called again asking for a manager. I told her the problem I with the payment system and when I was finished speaking... nothing. Dead air. A company representative should have the company name appear on caller ID, not 'potential spam'. What should have been a 3 minute payment call is now a 45 minute annoyance. And I'll have to mail a check anyway. Hope I never have to make a claim with these people.

Colonial life just another bullshit company, delaying my claim after surgery claiming they need records from my doctors to see if it's a pre existing condition. Because I upgraded my policy they don't want to pay out the amount. I had them for 3 yrs paying premiums just to deal with this bullshit!!!

I carry their sickness and injury policy each time you try and file a claim it's a run around trying to get them to pay if the amount is beyond routine wellness. They claim they have 5-7 days to review, they take the 7 days then ask for more information, take an additional 7 days. I have been waiting over a month for my claim to be paid only to find out they crossed my claim with an old claim that was already paid out months ago. Not only did I have to point it out to 3 different people, but I again had to wait 9 days only for the claim adjustor that it supposedly got bumped to for review to send another letter requesting the same documents that have already been submitted and were entered into the wrong claim... Incompetent to say the least, supervisors down.