Kamau's complaint:
May 06, 2015

Insurance Company: American Income Life Insurance Company
Coverage Type: Life Insurance

• Underwriting - Premium Too High
• Underwriting - Forced Placement
• Underwriting - Unfair Surcharge
• PolicyHolder Service - Inadequate Service
• PolicyHolder Service - Incompetent Employees
• PolicyHolder Service - Delays/No Response
• PolicyHolder Service - Payment Not Credited
• PolicyHolder Service - Abusive Service
• PolicyHolder Service - Inadequate Reimbursement
• PolicyHolder Service - Unfair Negotiation
• Marketing & Sales - High Pressure Tactics
• General - I feel abused by this company

Hello my name is Kamau Burnett. I am a 38 year old healthy non smoking man. Last year in September I applied for a life insurance policy. The company I used American Income Life(AIL) sent a new worker to Take mouth swabs to test for nicotine. They claim I tested positive and that my wife tested negative. They have reported this to The MIB consumer file and have been charging me as a smoker all this time without informing me of this. I was never notified of issue. I am not now nor have I ever been a smoker. My wife does smoke and they have her listed as a non smoker. I discovered this issue in January this year while applying for mortgage protection. I have tried for 4 months now to get AIL to fix there mistake with my policy as well as my MIB report. They Are in a round about way telling me that since 99% of people lie to them about smoking, That I also am lieing even though my medical record has always shown that I don't smoke. I have gotten nothing but a run around. they started out telling me that in order to correct issue I had to allow them to do another mouth swab to test for nicotine. So I did. Weeks went by. I contacted them Several times before being told that mouth swab wont work and now they need to do a full blown medical exam to test for nicotine. I asked other insurance companies about this as well as there lab and they agree that I am not being treated fairly. They dont need a full blown medical to prove I dont smoke, sounds like there trying to do something else.

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