American Heritage Life Insurance Company
reviews and complaints

This company took five months to complete the gap insurance claim after the insurance company all ready took care of their portion. They make you pay for the police report and will tell u they don't have enough information. It took them 2x to get stuff sent over to the lender. They still didn't send the correct amount. They don't tell you who you are speaking to or their license number.

I will never use American Heritage for insurance purposes and especially for GAP insurance. The process with this company was a nightmare. Not only was I upset about my truck getting stolen but had to deal with rude, people who wanted to "pass the bucket" who gave me excuse after excuse of reasons why they hadn't received my faxes or paperwork after I had sent them 4 times to this number and then this number and oh this person as a result my claim didn't get processed for several months after my own insurance State Farm who were awesome! Closed out the claim. As a result and American heritage dragging out the process for as long as they could (and oh you still have to make payments they said while we are processing your claim how convenient for them less out of their pocket more out of mine. So yes making 2 truck payments, dealing with stolen property out of my truck, dealing with their games and this is how they treat customers? Sad excuse for a company and 4 months later I'm still paying the repercussions of choosing a company that is not about customers first it's about the company. I will be sharing my experience and detailed notes of the communication I received from their associates on social media so that customers like myself never have to experience the frustration of dealing with American Heritage.
Theresa Goodnight

In Aug of 2010 I got into a wreck with my 05 Acura TSX. Other drivers insurance called the next day and told me they would take 100% fault. Props to USAA for excepting fault so quickly. After the appraisal they provided me with a 30 page report of what my cars value was and how they got the number. So I then turned to GAP to pay the upside down amount. They told me that there way nothing to pay. Pardon my surprise...I knew Honda's held their value but didn't know the gained monetary value! They said that the value they have for the car is more than what I owe so by their books there is nothing to pay. I asked then why do I have a remaining balance with CapOne...my loan holder. They said because USAA (the other guys insurance) under valued my car. So I called the CT state department on insurance and I'm filing a complaint and investigation with them. The dept of insur told me that by law they must used to approved methods of determining value...well...they only used one. I got a rocket high interest rate on my car due to bad credit so I know I was way more upside down on the car than the car having equity. The point is...DON'T BUY GAP or READ THE WHOLE CONTRACT FROM TOP TO BOTTOM. They won't want you to read it cuz they want to sell it and know you won't buy it. READ IT. Am Heritage says in the contract they pay 90% of value or which ever is higher...WHAT? Gap has conditions and if you don't meet those...you're on your own. Heck...I do meet the conditions and i'm still getting screwed. I have faith the dept of insurance will help me get my money back. Just a warning to you all.