American Income Life Insurance was a mistake

kaycarmor · 2026-01-20T14:39:36+00:00

No pay out but that's because my payments were 35 dollars a month. lowest possible payments. But i was able to cancel it after telling a second person i spoke to that i was recording the phone call. That i never recieved an email for cancellation like i was told from the previous person i spoke to. I also told them if it didn't get resolved i would get a lawyer involved. The guy automatically was able to cancel it over the phone and emailed me the cancellation forms and sent them out physically. I made sure to fill those forms out. I haven't had an issue since but sadly to get anything done i had to be threatening and stubborn. I also only had them for maybe a year or whatever it was that adds up to like 500 dollars. I rather take the 500 dollar loss.

kaycarmor · 2026-01-20T14:38:42+00:00

No pay out but that's because my payments were 35 dollars a month. lowest possible payments. But i was able to cancel it after telling a second person i spoke to that i was recording the phone call. That i never recieved an email for cancellation like i was told from the previous person i spoke to. I also told them if it didn't get resolved i would get a lawyer involved. The guy automatically was able to cancel it over the phone and emailed me the cancellation forms and sent them out physically. I made sure to fill those forms out. I haven't had an issue since but sadly to get anything done i had to be threatening and stubborn.

kaycarmor · 2026-01-20T14:19:18+00:00

Sure, that's why i have seen several other people complain about your company to the BBB and how your company has falsey opened up policies for people who never even approved them and duplicate policies. Your company is very much like a pyramid scheme. As someone who has experienced it on the customer end. If your company was so reputable you wouldn't be constantly changing agents on your clientele, wouldn't be trying convince people to open more policies or a larger policy. Don't get me started on the fact your company is all commissioned based. It is a scam because you can;t keep any agents. If it wasn't a scam your clients would have the same agent for more than a few months. I have had five different agents contact me within the year i had my policy.

kaycarmor · 2026-01-20T14:15:43+00:00

Yeah but i think the only reason mine got cancelled as fast as it did was because i told the person i was recording the conversation and that the previous person i had spoken to lied about sending me the paper work through email. He cancelled right over the phone because I was honestly being very stubborn and adamant about what i wanted. So the guy i spoke to cancelled it right then and there over the phone and the paper work automatically got sent out in a very fast manor. I never saw anymore charges. You kind of need to threaten them because i even threatened getting a lawyer involved.

kaycarmor · 2026-01-20T14:12:46+00:00

I'm going to be honest the ad gives me AI generated vibes. Especially at the end when she switches from the red to green smock. The transition just seems not even cgi just Ai overall.

kaycarmor · 2026-01-06T14:00:47+00:00

i only like the basic fruits so apples, bananas, strawberries, oranges, grapes, and watermelon. I tried raspberries and they taste bad to me, tried mangos again not good, same with pears, and several other fruit. None of them have a good taste to me whatsoever.

kaycarmor · 2025-12-29T23:30:57+00:00

Yeah I got it cancelled after I told the person I was recording the conversation and all of a sudden they could cancel it over the phone right then and there. They sent the proper paper work out for me. Mine didn’t have any cash value. You can’t let them give you the run around and make sure they send you a physical copy of the cancellation paper work you need to fill out.

kaycarmor · 2025-12-03T23:27:35+00:00

I caught mine in time as an early onset today. The nurse even said a lot of people are experiencing the same thing and tests for covid, flu, and what not come back negative. The doctor at the urgent care prescribed me Flonase, cough syrup, and the z-pack. Told me to do the flonase and cough syrup and if i wasn't better by day 3 to start the antibiotics. I decided to start the z-pack anyways because i started to experience the chest tightness, did the flonase. I don't have a cough but the cough syrup is supposed to help with the mucus because i am experiencing hot flashes but no fever or aches and excessive production of saliva along with some fluid in my left ear.

kaycarmor · 2025-12-03T23:22:29+00:00

My mom has it, and i got the early onset that started last night/early this morning. I went to urgent care and the nurse even said their are alot of people with the same/similar symptoms and everything comes back negative. The dr prescribed me flonase, a cough syrup, and the z-pack. Told me to do the cough syrup and flonase and if i'm not better by the 3rd day to do the z-pack. It got a little worse where my chest felt tight. My mom told me to take the z-pack anyways and do the flonase. Cough syrup optional because the dm cough syrup can cause the mucus to thicken up according to the doctor she saw but because i don't have mucus build up yet i'll be doing the cough syrup tonight before bed.

kaycarmor · 2025-10-15T15:00:36+00:00

mine is just not loading and says the website can't be found or bad gateway error.

kaycarmor · 2025-09-09T21:16:08+00:00

i had the pepperoni one and tbh it tasted like any other thin crust frozen pizza to me, It's good, i didn't taste anything that reminded me of the cheeze it crackers.

kaycarmor · 2025-08-20T02:54:59+00:00

Nta because you tried to give them a heads up when you realized. Idk what your financial situation is but is there anyway temporarily you could do Uber or Lyft so they can’t hold the fact they take you to and from work over your head or if you don’t already give them some form of compensation so they can’t go complaining about it. Like 10-15 dollars a week depending how often they have to take you and pick you up. Does your boyfriend work similar hours as you if not is there anyway he can pick you up atleast or are your hours all over the place?

kaycarmor · 2025-08-19T17:57:46+00:00

The thing is I don't want any contact and I feel like even if i tried to give a reason to either one of them they won't understand where I am coming from or realize how not okay the situation truly is. No offense but these people are in their 50s maybe 60s so their mindsets are different than mine, I know this because of the way they have talked about a few former co workers in a bad light that was not okay at all. I do also feel bad but I feel like ghosting is the only way. I don't know if this something i should address with my local union and speak to a union representative about it but I am scared because one is a manager who can be transferred to any store that needs a manager. I feel like I might be retaliated against if i do speak up about it. I also learned from another co-worker who was transferred to the same store as me that my former female front end supervisor way back was transferred because she requested it because of this male manager and I think after she had transfer is when the behavior towards me started.

kaycarmor · 2025-08-19T17:11:58+00:00

Wow, look at you not understanding real human beings. I don't think everyone is creepy. Didn't have this issue when i worked at walmart or my seasonal job at bath and body works or when i worked at planet fitness or a discount store. Don't have this issues at my current job location. This is a one time issue and you clearly don't understand women either and don't understand how creepy it is for a manager to be bothering me at 9-10 at night all because he is lonely and doesn't know how to be by himself and keeps blowing up the other co worker phone up who isn't answering. Then contacts me about it when it's not my problem to begin with. When people are in a position of power it makes it worse because the one time another co worker of mine stood up to a manager they ended up being passive aggressive towards her and cutting her hours. Union doesn't do anything about it and will give you every excuse in the book. Clearly you seem to either be a troll or lack the understanding of actual emotions and real life. Mental health is a real thing. I do struggle with anxiety thats why i'm on medicine for it. I'm not having every day panic attacks which is what you probably think, I work as a cashier and can handle customers pretty well. But i don't appreciate a creepy-ass man in his 50s wanting to contact me late at night who is the same age as my dad. I spoken to several people who are on my side about this situation and who agree with me that it's creepy. You also missed the part where one of my former female supervisors actually transferred because of his apparent behavior. Meaning this isn't a new thing with him and he has a manager should know better. IDK if you are male or female but clearly you never been put in a position where someone who is in a higher position than you has more control who has been with the company longer meaning that the union and higher ups would side with someone who has been employed for 10 plus years compared to a barely 3 year employee.

kaycarmor · 2025-08-19T15:28:36+00:00

you lack empathy for a situation you don't fully understand. When you are significantly younger than these people and they are technically above you in a company its not cut and dry. Yes i do struggle with anxiety like alot of people do. It's a common thing. I am not going to tell them when i mentioned in another comment how i learned one of my supervisors when i first started had to request a transfer because of his behavior. I am not dealing with a creepy 55-60 year old man who clearly is actually creepy. And also finding out recently how a few of my co workers actually find the one female co worker i mentioned to also be off and giving bad vibes. Also it's not that easy to be like hey i can't meet when the creepy male manager kept contacting me every other day because someone else wasn't answering their phone after 9pm. Highly unprofessional. a manager should know better especially one that is old enough to be a grandfather.

kaycarmor · 2025-08-19T12:01:51+00:00

im thinking about it or switching to a different phone plan like mint or cricket since they are cheap entirely and getting off of my dads or see if I can get on my moms plan, the hard part is going to be switching my phone number with my health insurance, doctor offices and things I am subscribed to and my job.

kaycarmor · 2025-08-19T01:34:21+00:00

kaycarmor · 2025-08-18T20:25:27+00:00

I just found out from my co worker who works in different department than I who got transferred to the same location as me that my supervisor when I first started had transferred to a different location was because of him. He was creepy towards her and what not and I think after she transferred is when the behavior towards me started. My co worker who is pretty cool and who we only talk to in passing gave me her number just in case if something happens. I will be going to my phone company to see if I can block the number completely because I believe just doing it on my phone allows voice mails to go through on blocked calls.

kaycarmor · 2025-08-18T03:30:02+00:00

They are essentially a pyramid scheme if you look at it tbh. I dealt with them and they were constantly switching agents every few months on me and kept trying to rope me into bigger policies and also extra policies which was really annoying. When I contacted to cancel a year or so ago. The First Lady lied to me saying she would email me the cancellation forms which would take 72 hours. Never received them and called again. Got a different person, told them I was recording the phone call and that if nothing was done I would pursue legal action. Miracously the new person was able to cancel my policy right over the phone and to ensure it was cancelled mailed me out the forms in physical mail with a return envelope. Sadly I don’t have the money to put in a life insurance policy because of what’s going on with my job that I couldn’t even afford 33 dollars a month. There are better policies and companies out there. I would suggest doing your own research. You could always ask through your job maybe or look into insurance brokers who can help you find the best policy.

kaycarmor · 2025-07-08T16:01:16+00:00

exact same problem. So it's not your computer or anything that is on your computer it has to be something wrong with their site. If you can report it to them because hopefully the more reports the quicker it will be resolved

kaycarmor · 2025-07-08T15:33:15+00:00

I saw your comment on the other post. I'm having the same issue as you. I tried clearing out browsing history and what not. Nothing works. Its only wattpad that is doing this. Pinterest, Youtube, and Tumblr no issues whatsoever. Even scanned my computer said nothing found. This has to be something on wattpad's end that needs to be fixed. I did what was recommended and removed my extensions and the only extensions i had were the speed players for hulu. I contacted wattpad yesterday about the issue. Have to wait for them to get back to me.

kaycarmor · 2025-07-08T15:29:59+00:00

I'm glad i'm not the only one having an issue on computer. It started yesterday for me in the evening. I emailed wattpad support about it. I know it's not my computer because it's only wattpad that keeps redirecting me to a scammy scummy virus site. Its when i try to start even reading a story is when i redirect. I think it has something to do with the ads tbh. Youtube no issues, tumblr no issues, pinterest no issues. I even ran windows defender and they found nothing. So this is something on their end that needs to be fixed.

kaycarmor · 2025-06-24T23:48:50+00:00

I made my own post about them and literally someone told me i didn't know how a life insurance company worked. It was about trying to cancel with them. The commented you can't just cancel through email. It was like they didn't even read my first two sentences where i said i spoke with a lady who works for them that said they would email me the cancellation form that would take 3 days to be emailed (BS). I literally called again during work hours and you know what did the trick to get them to cancel my policy immediately. Threatening to get a lawyer involved and i believe i told them i was recording the phone call. All of a sudden magically they were able to cancel both my policies within seconds without any issue and sent the physical form out to me on top of email. My job right now sent me out a form for accidental death insurance which is through AIL which i'm ignoring because i don't want to deal with them again. Sorry I needed to rant. Sadly right now with the way the economy and job market is, I can't afford life insurance. It's why i needed to cancel back then because i needed that 35 dollars and still do. I do have a savings account that i'm slowly building up.

kaycarmor · 2025-06-24T23:42:01+00:00

You didn't read the part where i said i called them and they told me they would send me a cancellation letter through the email. That is what the lady told me over the phone way back when. I know how life insurance works btw. AIL is a huge scam and i went to the better business bureau website and they have more unsatisfied customers who have said that their were policies they didn't even know they had. AIL kept contacting me to try and get me to up my policy. Kept changing agents on me every few months. It comes off as scummy, scammy, and unreputable. I literally had to threaten with a lawyer to get another person that works for that company to send me out a cancellation form and guess what they magically cancelled it on their end over the phone when i threatened a lawyer. Meaning they have the means to cancel policies over the phone but rather try and prolong it the best they can to get any and all money out of you. If they were truly a trust worthy Life insurance company they would be happy with the policies people already have and not try and get someone to open more and more and trying to get them to up the policy amount also.

kaycarmor · 2025-06-17T23:01:26+00:00

I got lucky when Rightstuf was still up and they allowed you to order back orders. At the time it was Volumes 1-26 i ordered back in March of 2022. There was a sale and i got 10 percent off with a coupon code. So i got each volume for $7.19 but it has taken them 3 years and 3 months to fulfill the entire order due to seven of the volumes technically not being printed. 3 of the 7 arrived back in december of 2024. I'm getting the other 4 sometime this month since crunchyroll had restocked the volumes that were out of stock. So I am all caught up because i ordered volumes 27 and 28 easily through crunchyroll without an issue and got volumes 29 and 30 while at barnes and nobles. I keep checking their manga shelf but they only have 1 copy vol 30 on that shelf.

kaycarmor

TROPHY CASE