Globe Life and Accident Insurance Company

February 2020, I contacted Global Life Insurance for my husband ***. The people convinced me to put any of my grandchildren and I added 2, Daniel Espinosa Policy # 0028P0551 and *** Policy #0028W0988. The problem is that this people start charging me twice at month by the ACH in my bank. Start 2/19/20 $95.03, then 2/26/20 $97.37, When I realize they charged me twice I call them, around the Feb. 27 and let them know the double payment. They put me with a costumer service agent, who told me she found the mistake, they keep sending mail and emails over and over, people got confuse and answer their offers twice or 3 times etc. The agent said she will fixed, asked me to write them if I have any other problem. My surprise the 3/18/20 they again charged my account $85,62, then I asked my bank to stop this payment. Bank asked me to stop payment I had to sign a paper, I did signed a paper to the bank. Yet the 3/26/20 another payment of 79.21 from the Globe Life Insurance was taken. This time I managed to talk to my bank and reverse this payment for $79.21. Since I had emailed this Global life Insurance company and they had not fix the problem of my payments. I want them to reimburse my money taken and don't want business with this company. They are unable to do business and so confuse. Please help me, I do not have money for this double payments and my husband and I are retired, with less than enough money to live. We are old and I wanted to have a $10000. policy for my 80 years old husband, *** Policy # 0028W0578. In case of emergencies. Though I can't afford this policies that were to start about $87.I haven't hear any thing from this company. Only bills and bills.
This month of April they are looking for new payments for the 21st, since I took them out of the ACH from my bank acct. I received a lot of bills, double bills charging me even for the whole year. I can't afford to do that.

Thank you for your help.
Product_Or_Service: Life insurance
Account_Number: # 0028W0578, and 002

My mother owns a policy insuring my life. For over three years we have been requesting a complete copy of the policy and all addendums, to no avail.
My mother purchased policy #XXXXXXXXX many years ago. We have called many times requesting a complete copy of the policy including all riders and addendums. They told her it would be sent in 7 to 10 business days, but it never was. Then she was told I would have to request it because I am the insured and an adult. So, I called and was told it'd be sent in 7 to 10 days, but it was not. I tried again, and was told she had to request it. They have done this run around mulitple times. I have also tried sending written requests, by letters dated 10-12-2016 and again 03-16-2017, all to no avail. This is outrageous. If they can't even produce the documentation, we are afraid of what kind of problems we will have if I die and my mother wants to collect on the policy that she has been paying for faithfully for many, many years. Please help us.

When my daughter went to pay premium for my Life Insurance this month, she noticed that it went from $66 to $91 without explanation. When I called Globe Life, the associate stated that they could not give me any information by phone. My birthday is in August so there is no particular reason that my premium should have increased at this time of year. When I asked the customer service associate if the increase had anything to do with the Corona Virus and my age, he became speechless and still neglected to give me any information. I believe that that is the case. My last bill that I have physically in hand is dated 1/18/20 with a premium amount of $66.28. My daughter reluctantly paid the new rate today as she did not want the policy to lapse since I have had it over 10 years. I feel like I am being taken advantage of at the worse possible time

Receiving unwanted phone calls and mail offering insurance that I do not want.
I am receiving numerous unwanted phone calls every day and unwanted mail delivered to my address trying to sale me insurance policies I do not want. I have repeated asked for Globe Life to remove my contact information from their records, but they refuse and continue to harass me multiple times daily via automated phone calls.

Customer services agents using clients info in personal capacity.
On 3/10/20 my mother received mail from globe life defaming her character calling her names saying she smelled calling her a *** and a rd. All of which was after she and I called into customer service to resolve an account issue. The lady was rude and disrespectful and my mother set her straight by saying ma'am all you have to do is ask. I'm sorry your having a bad day. That's all it took and that agent said you know what I'm freaking sorry but it looks like your account was accidentally closed. Bam. We've lost our money no one returns our phone calls and now that same agent is using our address and changing her name on the envelopes one pic is attached there are a couple dozen more. I want all of our money returned at once and that customer service agent fired. As well as supervisor ***. Because he was made aware of the situation then he gave us a fax number we faxed the documents to him. Spoke with him shortly after for him to say can't you take a joke and hung up. This is beyond disgraceful. And I intend on taking this as far as I must. Right now with the nation in a panic and everyone at home I have all the time in the world.

I think there is something seriously wrong with this company (Globe Life Insurance) I have been with this company for over 50 years and have never before had a problem until I wanted to sign up for a new policy for a new great-grandchild. Every month, like clock work they took an automatic payment from an account as agreed upon for 8 policies. When I went to start another policy, I couldn't get into the sit to do so. I was told to contact the site management team. I have never had to do this for the other 8 policies. I even had a hard time getting into the original site to begin with. What is going on? I think the Revdex.com really needs to look into all of the complaints and let everyone know publicly what and why this company does not stand behind their agreements and why they fail to answer any complaints. When I threatened to pull all of my accounts the representative only said "I would gladly do that for you" What the Heck? does this company want to go out of business?

My grandmother had a policy on my children. She pasted away last spring. The premiums were due so I called Globe Life. They said they can't tell me anything about the policy but the premiums were due. So the premiums were paid $35 to $40. So then the process is started to get my name on the policy so I can actually find out what this policy is. I then find out that this policy provides $5,000 life insurance for $35 to $40 a year. I call them up and say this policy doesn't fit my family and I'd like to cash out the policy. One is worth $50, one $174, and one $7. My grandmother paid up every year $35 to $40 for each kid. The oldest policy was 14 years. So then I'm told if I mail them a written letter they would prorate the premium which I paid for the year. So I spend the time and write a letter. Then I get back a generic letter. So I call for the 20th time and wait for a good 20 minutes like every time and the lady then hangs up one me. So I call again and wait and then this other lady say yes we will refund you the current premium. So I was like ok that's fair. They mail me checks for the cash out amounts about which I was told I'd get part of the premium. So I call again and wait and then they tell me they never refund part of the premium. I said if that is the case I'll leave them alone and wait until the policy expires. They said I can't because they were already close. I told them do you really think I would cash out a policy which is worth $7 when I paid $40 for one year of premium and forfeit that. They said they'd transfer me to the manager and I could leave a message and they would call me back in 24 hours. I told the agent you guys will never call me back. It's been about 2 weeks and still no call back. These people know how to weasel your money out of your money. If they would of said they wouldn't prorate the premium I would of let it run it's coarse and been fine with it. But they had to mislead me and the way it looks they mislead others.

I keep receiving advertisements in the mail about all kinds of insurance. I have asked to be removed from all lists, but still receive them.
Receiving multiple advertisements about all kinds of insurance (life, grandchildren, accident, burial, etc.) They all have "the information you requested" printed on them, but I never asked Globe to send me any information. Interestingly, the mailings are all addressed to "***" which I would never use on an actual insurance request - so I assume that someone has provided my name to you (list or reference).

Have called and talked to sales person. Have mailed multiple letters using your self addressed envelopes. This has gone on multiple months. And it is very upsetting to receive multiple mailings a week from you.

Please remove my address from ALL your mailings.

XXXXX *** XXXXX

I cancelled my life insurance policy on February 4 th. I was told my surrender date was.February 14 th and that a check for 2600.00. Was going to be sent.when I called back to see about the status of the check.I talk to a supervisor Elijah and he said my request was a loan first then I told him I wanted the policy cancelled.from the 14 th of February tell February I talked th Brian,Joanne,Brook,Corimine,Maranda,Hailey,Matt,Sharfi,and Natle.All these people won't give me a straight answer about the check for 2600.00 dollars that's suppose to be sent to me.when I would get it.

I recently decided to take advantage of the Globe Life offer of paying $1 for the first month to get a new policy for myself and my son. When I received the policy for myself in the mail it had a copy of what was supposed to be my original application for the insurance attached to the end of the policy. I go to review the entire policy and find that the benefit has been reduced to half of what was requested and when I get to the end and read the application portion, I discover that it has been altered. One of the answers to the medical questions has been changed completely to a Y to a condition I have never had nor been exposed to. Unknown to them, when I did the original application online, I DOWNLOADED A COPY of my TRUE ORIGINAL APPLICATION which clearly showed that I did not make a mistake and do this myself. It had to have been done by someone at Globe Life after my application was received by them. I called them about this and was told by their representative to cross that part out and send the policy back to them. I did this but also included a signed letter stating the problem as well as making a notation on the altered application as to why the error was crossed out. It has been 2 weeks (not including mailing time) and I have received a letter stating that the reduction in the benefit was a result of my answers to the medical (which were altered by them and sent to me in writing making it easy for me to prove and totally dispute). I haveyet to get a phone call or receive anything further from them. The next call I put in to them (which will be today) to cancel this.

I paid all the life insurance policies in my account $20.56 was returned to me as a partial refund.Customer service did not follow through. open issue
I paid all the life insurance policies in my account $20.56 was returned to me as a partial refund on policy number 005BXXXXX. Customer service told me I would receive an invoice and postage paid envelope to return the payment which would then be applied to that policy thereby paying the policy in full. payment was accepted and processed but weeks later check came in the mail. I spoke with several reps: destiny, rachel, desiree and josetta. I never received anything in the mail. I pay my policies in full for the year so I don't have to worry about it. they said that they couldn't accept the full payment for this policy because it was too far in the future, however they accepted payments on other policies that are further in the future and nothing was sent back to me. I am at work. 12 minutes minimum to navigate auto attendant on the telephone. supervisors do not have extension numbers. I have wasted cumulatively 2.5 hours on this stupid issue. I was told an invoice would come in the mail along with postage paid envelope to return this check to have it applied to the account to pay it in full. every time I call it takes a gross amount of time just to be told that supervisors will contact me and they do not. I cannot continue to chase this company. please help me get what they have promised me so I can put this issue to rest until next year.

I recieve 1-2 letters from this company a day. this all unsolicited mail, at this frequency it feels like harassment. I would like to be removed.
I've requested to be removed a few times, and it goes nowhere. Please assist with removing me from your marketing list and place me on do not contact due to privacy concerns.

Company has yet to pay my claim. They keep stonewalling me.
I filed a claim for my loved ones life insurance, following the instructions for it to the letter. I have since been told I needed to send the original death certificate to them. I have not a second copy. So I refused to send them the original. They won't accept a copy of it. I sent them the copy without the seal on it because the website says because we were customers since 1999 we would not need it. The original one is all I have to provide to other people who need it. After a much heated discussion on the phone, I sent it to them I have no choice. I have bills to pay. Right now I'm getting the idea they are about to deny the claim. So I am asking for you to intervene and make sure they pay it, and send me the original certificate back. They are putting me through the ringer right now. On top of his sudden death. Family's should not have to go through this.

I have had my Medicare Gap policy for over 10 years... Excellent company!

Repetitive sending mail for someone else despite my asking for it to stop.
I have lived at my address for 8 years. Two years ago they started sending mail for someone else who's never lived here. I've repeatedly asked for it to stop. Instead, they've started sending more! I now get about 3 a day. I want my address removed!! The guy who's name is on the mail hasn't ever lived here according to management.

Company will not allow me access to a policy they have had active for multiple years after they at some point increased its cost and value to 15,000.00 without any consent from myself. My Mother in law started the policy for my grandson, and when she passed, my wife took over paying for it on a yearly basis, then my wife passed and now they increased the value and cost without anyone requesting same. Since it goes back to my Mother in Law they say only my money is good enough to accept but I have nothing that I can say to change the amount back to the 10,000.00 that it was initially. I have their forms stating 60.00 per year, paid the 60, and then applied it as partial payment for 15,000.00 Returning a check for 11.22 for no reason except to increase my payment frequency. I will never recommend Globe Life to another living soul.

I filed a Claim with Globe Life and Accident on Jan 28th, 2020 after 16 days, countless reps, family involvement still no confirmation of coverage.
I filed a claim on January 28th, 2020. I was told by *** in Claims to fax in an assignment and 24 hours later I would receive a verification of coverage. I called 24 hours later to inform them I had not received any verification. I spoke with ***, she told me it takes 48 hours. I waited until Friday January 31st, 2020. I called back and was told they didn't have my assignment on file yet and that it takes time to get faxes processed into the system and that once it is in the system I would get a verification mailed to me. The Beneficiary contacted the insurance company, they told him there was no assignment on file but that once they had it they could verify for me. On Monday, February 3rd, 2020 I re faxed the assignment waited 24 hours to call for verification. When I called they told me it can take up to 10 days to input faxed assignments. The beneficiary called them back again, they said they had it and all they needed from me was a letter requesting verification. I faxed a request on February 7th, 2020. I called the following Tuesday, February 11th, 2020 and they said they hadn't received the letter. I was told that I could conference call them with the beneficiary and they would confirm over the phone and was also given an email address to email it to and was told I would receive a confirmation email and that I would have a verification by the end of the day. I never received it. I called the following day to ask if it was received and was told it was not. I emailed it again. I called back the same day with the beneficiary on a conference call to verify over the phone and was told the systems were down but that he would notate the account so I could call back and get verification over the phone without disrupting the beneficiary at work again. When I called back was told there were no notes on the account about the call and that they can not verify anything over the phone.

As they say, if I could give them zero stars, I would. All they want is your MONEY! In 1973, my mother got a Globe Life policy for me. When I got married in 1980, my mother changed the beneficiary to my wife and changed the policy ownership to myself. I have letters and a policy rider stating the changes in beneficiary and ownership. In 1986, I wrote Globe Life a complaining letter because, after five years of sending the premium notices to me, they sent the notice to my mother in a different city, among other things. Because of this I asked Globe Life to verify the policy owner and beneficiary, which they correctly did. Therefore, I have multiple document from Globe Life stating that I am the policy owner and my wife is the beneficiary.

On Jan 28, 2020, I called to ask about some policy details. After going through the verification steps, I was told by the representative, that she couldn't tell me anything because their records did not list the owner of the policy. When I asked how could that be, I was told that it is an old policy and was on microfiche and would have to be retrieved. I asked to speak to a supervisor and was connected to a resolution specialist. This person told me that the original policy would be retrieved and they could find out who the policy owner is. I told her that I have a policy rider showing the change in ownership to me dated 6/8/81. She told me that it didn't matter because they did not have it. I told her that my mother, who originally got the policy, has been dead for more than 10 years. I was told that the easiest way to get ownership of my policy (which I already had done in 1981) was to send them a copy of her death certificate. I asked the representative to send me an email with all the information I would need to send the death certificate. What did I received.... NOTHING!

I called back on Feb 11, 2020 to see if they had straightened things out. What I got was a somewhat snotty representative telling me that my mother owned the policy and she couldn't tell me anything else or she would get fired (company policy). She insinuated that because someone at Globe Life may have told me something that should only have been told to the owner, I just thought I was the owner. She went on to "explain" that the payer (me) was not necessarily the owner... like I'm stupid. I told her that I had a policy rider dated 6/8/81 stating, in fact, I WAS the owner. She replied that she had just opened the file and had not had any time to research it (obviously two weeks is not enough time). I told her that my mother was dead and she told me to just send them the death certificate. I made the comment that the policy riders and correspondence from Globe Life are obviously not worth the paper they are printed on. her response was that I could send them copies of the document and TRY to get the ownership changed that way. Again, this was already done through Globe Life over 30 years ago!

In other words, Globe Life received premium payment from my parents for 8 years and from myself for 39 years and THEY DON'T KNOW WHO OWNS MY POLICY.

THEY REFUSE TO HONOR THEIR OWN DOCUMENTS!

*** they refuse to pay the death benefit?????

Their position is that the policy is exactly the same as it was in 1973. It is owned by my dead mother (or maybe my father, who knows) and the beneficiary is my dead father. Either way, the end result is if I should die, my wife, who is / should be the beneficiary *** have to go to court and probate to get the death benefit (unless Globe Life comes up with a new excuse why they don't have to pay).

How can a life insurance company not keep their file on ACTIVE POLICIES up to date? It can only mean that they are crooks and are only concerned with the money coming in, not with paying any claims.

I am afraid that when I send my mother's death certificate, they *** tell me that they don't have a policy on her (if they tell me anything).

In spite of all their positive ratings, I feel that this company, if not an outright scam, is one of the most unbelievably incompetent companies on the face of the planet. Although a company that incompetent would not have lasted 68 years... you figure it out. Unfortunately, they took us for 46 years.

Company failed to credit my payments.
I made two payments, one in October 2019 and one in November, 2019, each for $18.73. The amount was incorrect. Rather than crediting the payment to my account, the company claims to have sent the payments back to my bank. The bank has not received the refunds.

Some time ago I requested information on life insurance from Globe Life. Upon reviewing the requested information, I decided to stay with my current life insurance carrier, and informed Globe Life of my decision via their customer service email address. I believe I contacted Globe Life via its email service at least twice, but they continue to send me mail. In the past 3-4 months or so, I have started writing "Refused" on mail from Globe Life and sending it back to them unopened.I do not want Globe Life Insurance to continue to send me mail; I am not interested in purchasing life insurance from them.Thank you for any assistance you may be able to provide.