Friday 22nd of February 2019 04:57:17 AM
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".In approximately 2000, I had ended up with a new agent in the Macon, GA office. His accent was so heavy it was difficult to understand him on the phone. One day, he called and said the premium had to be paid that very day or the policies would be cancelled (this was his favorite threat, even when the premiums were not overdue). I told him that I'd just had surgery the day before and could not drive, so he asked if he could come to the house and get the check; I told him yes. A couple of hours later, I heard a car horn and looked out to see two men I did not know sitting in a car blowing the horn. They had driven up my driveway and across half of my front yard when there was a huge paved turnaround area. I refused to go to the door because I had no idea who these people were. He finally got out of his car and came to the door.A few years later, I moved to NC and discovered there was not an agency within more than 100 miles of my home. I kept dealing with the Macon, GA office. This is another example of how things got worse. There was no way to pay policies online; they couldn't take a debit or credit card over the phone. The only way to pay a premium was to write a check or take cash to the office. It's 2013, people! Join this century!The last straw with the agent was when he called my house at 10 p.m. wanting to tell me yet again that the policy would be terminated if I did not get the money in the office the very next morning. I live more than four hours from that office! The next morning, I called the office and spoke to one of the clerks who looked up the policies and told me my three policies were NOT in danger of lapsing!I'd had enough. I cashed in the policies. Ah, but here I got another surprise! They had charged me as being a smoker for all those years, and I was not a smoker! "No way to refund that, Ma'am." Also, I know for a fact that I'd requested the disability portion because my first husband had a terminal illness, and after six months of being disabled, the policy was considered paid in full. Now, here I am years later, on disability, and no, there was no disability clause in my policy. There is no way to get it on there now either.I thought I was finished with these clowns, but then my mother handed me a policy they'd taken out on me when I was born in the 1950s. That company was now under American General. I called and requested to cash in the policy, as it really wasn't a huge one to begin with. They sent me forms to fill out. I filled them out and sent them back. I got another form back saying the names didn't match up. I filled that form out and even handwrote there maiden name, first married name, second and current married name. One would think if the Social Security number, address, phone number, etc. all matched up, they could figure it out, but apparently not. Three weeks later, I had heard nothing and called them. "We have not received any correspondence from you", they said. WTH???? So I printed off the form AGAIN, and faxed it this time. I'm convinced they are just holding on to that money as long as they can to continue to earn interest on it.Thank goodness once I get this policy cashed out (if I ever do!), I will be finished with these clowns. I would NOT recommend them to anyone.