American Heritage Life Insurance Company
Reviews and Complaints

My boyfriend has the accident insurance through AllState - American Heritage. Nothing but delay, delay, delay. We filed our claim in 11/2017. They continually drag their feet. They have a 60 day policy (their terms) in order to review a claim or appeal. Took them 1 week to deny it, over 4 months for the 1st appeal and this latest one is going on 5 months. On this last one I called on the 63rd day... it takes them 2 more weeks, a complaint to the BBB and the company administering the plan to even get a reply that they suddenly need more information . We are in our 2nd appeal and 11 months in. I have proof that they have ALL of the medical records from his doctor, but they are now saying that they need them again. How can you get more when there are NO more. It's one excuse after another. We are looking into changing insurances...why should we pay for NO service, NO response and NO coverage? Because this is a plan offered under his state retirement, I'm sure that they use these tactics to push clients away, hoping they'll give up. Little do they know that we will fight until resolved...but shouldn't have to!

American Heritage Gap Insurance is the worst. 4 months and still dragging on their feet to finish paying off a car loan when the accident happened back in August of 2019. Shelly and Anna said they could not give me their employee identification number yet said they had a insurance license. Anna said progressive came up with an extra 6000 which progressive never did nor did my sister or me. When ask to speak to a managment higher than Anna she tells me no other manager is here and I can not transfer you to my managers voicemail because the business does not allow us too. This is a scam. I had ask for a copy of the check they are giving to Westlake Anna told me I had to call back in 30 days to get the copy of the check. I wish now I would have hired an attorney to deal with this fraudlent company.

i also am having a problem with them refusing a 1300 payoff, if there is a lawsuit i would also like to be included in this, they are saying because i had an extension per there terns and conditions, they do not have to pay. well, i was never provided with any terms and conditions, they were paid from my car payment monthly, and i just two weeks ago found out the name of the company
oromano184

They r a scam

I have had trouble with AHIS also. They only paid half of the remaining balance of my loan (and I paid $1500 to have their GAP coverage). Now I am getting pressure from my lender and insurance claim adjustor about my remaining loan balance. Every time I call AHIS they tell me that they have done everything they were responsible for and to contact my dealer (which I have and my dealer has done everything they needed to do). How can I have GAP insurance and still be responsible for paying $2200 for a car that was totaled and does not exist anymore?

Same here as cham2127. Sent a million emails asking what's up with the claim and finally my lender helped me figure out who the claim was through and whoops! Too late! The things you sent were blurry. We sent you a note, letting you know in the mail! (no).

they are a total ripe off they have been getting there money every month that i paid on my vechicle and now when i need them to follow through on there promise.. they pay whatever they feel like which leaves me stuck paying almost 2500 on a vechile i dont even have . i ask to speak to someone who could issue another check, who could really make a difference . i supposely speed talking supervisior was on the phone making abosoultely no sense she didnt even understand the documentation i requested from them with a settlement breakdown of how they got there figures.. also they didnt have it on file some the person myra who i spoke with had to make one up.. then when i called back . i spoke with someone who had no idea of what the sheet was referring to .. a lot of running around and i asked to speak to the adjuster since apparently this is the person who gives the figure, they said i couldnt get that persons name because hes has to deal with a lot of claims, i stated what does that have to do with my situation? hes the only one can explain to me why you didnt pay my loan off like you said you would.. needless to say.. this person doesnt exsist i am now looking for the CEO of this company .. i believe in fair business and this is total unfair, not following through on documentation that was issued the day i signed for the loan for my vechicle. Im praying with everyone who has to deal with this company..

I am having the same problem with AHIS. I faxed the forms they needed, now they are saying they never received them and they are nto going to pay becuase they were nto received within 90 days. I am not sure where to go from here to get them to pay because I sent the forms within 30 days and did nto get notice until time had passed that they did not receive one form.

I finally did get paid, but it took 45 days for the main check and it looks like another 3 or 4 weeks until I get the smaller check for the balance of the gap policy refund.

It took 8 days for my primary insirance to pay with one phone call. it took 10 days for my dealership to issue a check for the service contract refund with one phone call.

I had to call AHiS every day and fight them like crazy. I had to fax and mail and certify mail tons of documents that thety should have already had. From day one they looked for a reason to deny the claim and when they could not find one, they started saying they didnt receive the faxes, or could not read the faxes, etc.

This is the worst, most unorganized, most difficult company I have ever dealt with. I swear I think they are working out of a garage or shed somewhere with one phone line and a neigbors fax machine.