New York Life Reviews

Very upset with the misinformation that I received from from the insurance representative. Just seems to be a bit unethical. After a number phone calls, in attempting to cancel my policy I was told by the representative to send into a letter to do so. Six weeks later, I’m still being charged for my policy! When I called to speak to the representative as well as the supervisor, I was then given the option that I could’ve canceled it over the phone!

If I can give zero stars I would. They are the worst insurance company to deal with. I had filed a claim through my employer for STD. Fought with them for months after sending in all forms, MRI, notes from my doctor and they denied disability payments after 4 weeks because their so called experts said I can return to work. They not only denied benefits but dragged their feet in the process. Horrible company. The nerve of them telling me I am not injured enough to receive payments. They take my money with no problem. Awful company and even worse customer service and service staff. Stay away at all costs.

New York Life group insurance denied my short-term disability. I applied for benefits June 3. I was supposed to start getting paid June 21, 2025 and you guys wait until today for me to go back to work to deny me. Claim manager very unprofessional.

I have been a NY Life customer for 35+ years. I have policies for me, my wife and two sons. Aside from the policies having been sold as investments, which they were not, I maintained these accounts and opted out of the class action lawsuit that resulted from deceptive sales practices. As my sons are now older I began the process of transferring their policies' ownership to them. After two months I am still being billed for these policies. One son has been able to confirm the transfer and submitted the request for check o matic payments from his account. He still has not received any correspondence as to appointing his beneficiaries as has my other son. NY Life moves with geologic speed. Gone are the days of good old New York Urgency. NY Life has appointed Helen ** as their customer service rep. If you need service in a timely manner make sure you go to Helen **.

NYL is racist company. My wife is ** and her co workers are ** with the same health policy. My wife was told she didn't have short term disability and on her pay stubs it says we are paying for short term disability. They denied my wife because of the dates the first time and then they denied her appeal after fixing the dates and said she had to wait until her pto was up and apply on June 14th. We applied after June 14th and they denied my wife again. Said that she didn't have short term disability. Which is a lie, we pay for it. This is nothing but a racist act by a ** company. Denying people with color.

This is the absolute worst Insurance company ever to exist! You get hung up on and transferred to voicemails. You will never get a manager! They delay processing and will force you to lose everything you own. They make the process so difficult that you want to give up and let them keep your money you’ve been paying. I will never work for a company that uses NEW YORK LIFE!!!

Absolutely the WORST experience I’ve had with any company ever, by far. First off, the communication from their “customer service reps” is HORRIBLE. I called 3 times in one day at one point to see if my suspicions were correct, and each employee told me something different each time. Mind you this was all in ONE DAY, so my suspicion was indeed confirmed. No one knows what’s going on at any point in time and that’s very obvious, there is no communication whatsoever. I requested a call from my case manager for WEEKS just to see what was happening with my case, surprise surprise I never once got a follow up call. Never. They are extremely unprofessional, anytime I tried to chat about my case progress since the website has not updated whatsoever over the course of the last 2/12 months, I had several representatives just abruptly end the chat.

This place is a NIGHTMARE! My employer uses them for disability claims and I have been out on short term disability for postpartum depression and this company alone has made my condition WORSE! Every week it’s time for payment or “review” there is no communication whatsoever, the website is misleading, inaccurate and pointless, claim managers barely speak English or act like you’re bothering them when you call about YOUR money and claims. This place is a joke! Would have given zero stars if I could!

My father purchased insurance from New York Life Insurance Company before he began to get dementia. Upon him showing signs of dementia, the family decided to place him in a nursing home. While in the nursing home he died. New York Life allowed him to change his beneficiary without notifying the family. So as we were preparing for the funeral and paying for service out of pocket not knowing that he has changed the beneficiary. The person that was signed as beneficiary did not pay for the funeral cost and New York Life issued the check to this person and the family members that paid for the funeral was never made whole for the money they spent paying for the funeral.

If I could give a zero I would! My husband has been working with the disability claims department since November and it has been an absolute nightmare!!! It's impossible to reach your claims manager and every time you call the customer service rep says the claims manager will call you back in 48 hours and never does! He asked for a supervisor to call back and that never happened either. They never review the documents sent to them without me calling and prompting them 2-4 times. They closed his claim even though we sent in the requested documents. It’s a horrible place to deal with when you are in such a bad spot in life.

I have had multiple times I have had to use short term disability in the past for a surgery of some sort. First time having to use this company. Worst company I have ever had to deal with. They do not care about you or you trying to recover. All they care about is paperwork every four days that forces me to pay Dr office to send it in. You call personnel is very nice. But get used to calling cause you'll be harassing them over everything while they hold out on payments knowing you had surgery. They aren't worth the headache. Go somewhere else that actually looks out for their consumers.

Literally followed everything to the T and I had to call after hearing nothing for two weeks just to be asked questions and provide paperwork I already provided for STD. I literally will NEVER use them again. They don’t respond to anything. They don’t follow up. They don’t pay you the money you give them. They never pick up the phone and they lie about timelines. I’m about to have to pull my daughter from daycare and her other services because they don’t want to get back to me while I am out of work. I am dissatisfied with this company and they are truly disgusting.

This company has become a total rip-off!!! For 30 years I allowed them to take $30 from my account for my life insurance and that does NOT include the $2900 I front loaded at the beginning from a cancelled life insurance policy the beginning of 1992. Then less than 2 years ago they tell me they have to raise my monthly premium to $68.34 per month. NOW they tell me that they have to increase my premium to $136.50 or they will let my policy expire!!! What the hell have they been doing with all my premiums over the last 33 years??? Stock market has gone through the roof over this time. Cut their ridiculously high salaries and get rid of the extra staff.

I applied for life insurance and thought it sounded too good to be true but couldn't figure out why. Well they have a so-called contest ability period of two years. If you die they can deny the money by connecting the death to a question you answered on initial application. Stay away from this company and go with a company that has a two year graded death wait. At least at the end of that time there's no question. They complain about fraudsters and they found a way to be one themselves. Thank goodness I found out before I wasted valuable time.

This has been the worst experience I’ve ever had. My employer uses NYL for Short Term Disability claims, and I began dealing with them in February 2025. Since then, no one has proactively communicated with me about the status of my claim. I’ve had to do all the legwork myself just to ensure representatives were working on my case in time for payment. For the past three months, I’ve called this company twice a week to follow up. My claim has been passed around to four different representatives since February, and not one of them has reached out to me. Every time I call, I’m told a callback request will be submitted—but not once have I received a return call. This company is, without a doubt, the most unprofessional, unsympathetic, and disorganized organization I’ve ever dealt with.

Raise a concern regarding the lack of communication from the analyst assigned to my case. Throughout this process, I have not received a single phone call or direct outreach from her regarding important updates. Instead, I am left to discover the status of my case a day or two later—after receiving a letter in the mail that she considers her form of communication. I find this lack of timely and direct communication both frustrating and unacceptable, especially considering the importance of the matter at hand. Clear and prompt communication should be a standard part of the support provided.

This has got to be the absolute worst company ever. I have used them several times for disability claims through my job. The first claim manager Mr. **, took his time and done nothing, and was rude. So I just opened a claim on March 18th 2025, and I asked for a different one. I am convinced that no one in that place works. My claim manager Lakisha has done nothing, and it's still under review since March 18th. So I have asked to speak to her supervisor, Alex M. I have left her several voicemail, she never answers the phone, nor does she ever return her calls. In the meantime, I am not getting paid, and they don't care. I called today, and after getting the runaround, as I asked to speak to a different Supervisor, all they did was "we'll escalated the call." Really? So if you have a choice, do not use this company.

This company, New York Life was recommended by a friend so I took the plunge. Months later, I had not received any communications on my investment. I reached out to my friend to find out what was going on...Soon after, a meeting was set up. I entered the meeting to find the room full of People. SO apologetic, blah blah blah...to this date, I have not heard from this company since meeting. Almost a year.

My company provided LTD coverage through NYL. They have been totally uncooperative and absolutely dishonest. Unfortunately they are regulated by ERiSA which gives them the legal right to deny claims for any reason, despite conclusive evidence that the claim is valid. It's just a numbers game to them - their business model relies on people just giving up.

They are the worst company I have ever dealt with!!!! They don't return phone calls. I have three new doctors to report. It's been over 90 days and they said that my case would be reviewed and final decision in 90 days. I have two letters with decision due dates and no decisions been made. I can't seem to get on the app because the app said I don't exist. I created an account. They can't find my account with my ID number, they can't find my account with my Social, app doesn't work so I can't follow any forms if there is any forms I need to file. Worst experience of my life is dealing with them. Nobody returns the phone calls.!!!!

The worst company I have ever had to experience. Just can’t get it right. Easy straightforward requests are impossible to get done and the restrictions in place for the call center make even more difficult and a waste of everyone’s time.

My agent, knowing that I was unfamiliar with life insurance, omitted some key information that led me to believe I could use my policy like a high-yield savings account and cash it in when I needed it (alive though). When I found out that wasn't the case, I was already out thousands of dollars in payments. I thought it strange that though I kept paying into the policy, its value did not increase. When I asked my agent about this, he replied that I should keep paying for about 10 years at which point the account would "mature" and I would see its value go up.

I spoke with Customer Service Advocate" Dawn". She was very patient and empathetic with my situation. Dawn is a great asset to your organization, and I'd recommend New York Life to friends and family. Thank you.

NYL was nothing but trouble for my short term disability claim. They would hold 4-6 weeks of payment claiming it was the Dr. fault but they made excessive records requests and were very slow to pay their invoices. Anything not to pay. In the end I had to get my own records and pay to have multiple pages sent via fax

My wife literally had a baby 3 hours ago and I received a call from someone at NY Life demanding to talk to her and scolding me for not recognizing how serious it is for them to immediately speak with her. This is completely unacceptable behavior from anyone in the customer service industry especially when coupling that with a disability or medical leave claim. Do better.

NY Life long term care policy owners need to be aware of a sleazy way they cheat their policyholders. When a person is approved and receiving long term care benefits, they no longer pay their premium, yet they are billed anyway. NY Life uses a separate company to process claims who is most likely incentivized to keep claims and cost down. By billing people for premiums even when they are approved for benefits is a clever way to add revenue while having deniability that it was intentional.

My employer just switched from Prudential to NYL. We’ve only used them for two weeks and their customer service has been HORRIBLE to work with. I’m having a baby any day and no one is clear on what needs to be done for my short term disability no matter how many times I chat or call. But the worst part of the entire experience is that they openly admitted they allow their chat reps to hang up on you if you ask too many questions! On 1/17 I live chatted with Gwynda C who rudely disconnected on me. I live chatted again and was told by Kerry Y that “if there is back and forth regarding a claim, we can disconnect the chat. The supervisors are aware of that as well.” There was back and forth because she was incompetent to answer my questions, and yet you allow your chatters to do this?

New York Life is a horrible company, run and staffed by horrible, incompetent liars who take perverse pleasure in ruining lives. I think every single person who works there has deep psychopathic tendencies because NONE of them care or have any humanity in them at all. There is not a single claim that they feel is legit, so they just use the DENY, DELAY & DEFEND tactic to wear people down. The important thing is that since everybody who works there is a psychopath, they all sleep very well knowing the lives they’ve destroyed.

If I could, I would give NYL 0 stars. They have robbed me of nearly $5000. In the first incident, based on their representative’s advice, I deposited over $800,000 with them. When I asked for my money, they refused to pay me the interest and would not give me an explanation. The interest was approximately $3000.

So I filed my claim back in 2023 and I told them I didn’t have short term disability due to my disability I deal with every day. She the lady said I would have to file std so I said ok. Denied so then I filed my ltd from 2023/2024. They denied me so now I have to appeal it because Avery the lady who kept calling me when I was in the hospital and when I got out of the hospital.. talking about no doctor sent in my medical records all joke on her. So what I did was call my doctor office and had three on three when my nurse told her we sent everything over and in my system Ms. ** sign for you’ll to get her medical records as well and they are getting them together. So Ms. Avery my case work didn’t say anything but ok.. then three days letter she said me asking me about a new doctor that my pcp refers me too.