American Senior Benefits
reviews and complaints

I am a new agent with American Senior Benefits and I have already had 2 clients. I never got paid for these client appointments, Health Assessment, and monthly commission. The "leads" I was given were all old numbers and were people on the "do not call" list. I refuse to call anyone on the "do not call" list, as I respect their wishes to be left alone.

Anyways, no one in that office will get back to me about the money they owe me for my services (it's well over $400). I am about to report them to the state commissioner and open up my own insurance business.

I would like my money paid in full to me, and I advise everyone to steer clear of American Senior Benefits.

A young man came to my door today; Brian Bendo, using a fraudulent name that he was here to visit regarding life insurance. After trying to convince me to sign up with your company he left. I decided to file a complaint with the BBB as this interaction left me feeling afraid. As of this day, please don't contact me any longer. I gave this person, Brian Bendo my birthday and current Insurance information. I hope you take care of this matter? Need be, I will take this matter further if I need to.

Thank you,

Ms.Arnetruce Baker

Lincoln Park, Michigan 48146

Give me a specific as possible, I am getting anywhere from 15 to 25, sometimes 30 phone calls a day is the American senior benefit and are trying to sell me final expenses insurance, telling me I have Medicare, when I don’t. I know sometimes I play with them and find out where they’re from Charles find out how they got my information. But I just hung up. Sometimes I just yelled and cussed him out. They hang up. But if your company is supporting these telemarketers to do 20 and 30 phone calls a day. You need to make it stop. I personally do not want to receive these calls. I have asked to be taken off of these phone lists. Is it still being taken off the panelists? They get angry and start yelling and that’s when I hang out with them not gonna put up with that. Play thing is when you try to call these numbers back to their calling your phone, they always seem to be disconnected numbers. So they’re violating another law by doing that and trust me. I have better things to do than to answer a telemarketing phone call every time they call.

This company is less than honest about when coverage starts. The salesman made a point of saying that when he received the policy number from Mutual of Omaha that the coverage began. He even circled Immediate Coverage - No waiting period on the work sheet. Sadly, my wife passed prior to making the first payment and Mutual of Omaha refuses to pay off. North American Senior Benefits has trained their representatives this way. I can’t get my wife back, but I can warn any prospects to BE CAREFUL dealing with this North American Senior Benefits. They cannot be trusted.

I get anywhere from 20 to 40 calls a day from senior benefits. I have blocked their phone calls. I have put a complaint with the federal trade commission. I’ve even got with my phone company for them to block the their numbers. I’ve asked nice and I’ve asked them not so nicely I am at my wits end of what to do with this company if they bully me this bad, I can imagine what they do to a senior citizen, I’ve asked to remove my number and my number has been on the the federal do not call list since 2019. I don’t know what to do.

I work for a CPA firm in Cincinnati. I get on average, 40 phone calls a day from Indians representing this company. They Americanize their names which is the first insult. They constantly talk over you to get their pitch in. I know now when I hear the "Beep", it's going to be one of them. I usually hang up right away. But, by that time, my work is interrupted. How can we get them to stop? It's from 7;30 in the morning until late at night (we work a lot of hours, especially during tax season). Is there anything that can be done?

This firm continues to call me DAILY despite daily requests asking them to stop calling me. they continue this harassment with the excuse they aren't trying to sell me something. Every day for months, no breaks, I'm going to sue them.

My Uncle and I each received a solicitation letter from American Senior Benefits that implied that signing up for their program would give you benefits that would pay for your funeral expenses so that your family isn't burdened with that expense. It is clearly worded in a deceiving manner to 1) make you think that it is MANDATED, even though the word they use is state-REGULATED, 2) think that this is an absolutely for-sure benefit due to you. The outer envelope was marked TIME SENSITIVE to make it seem this was an urgent, important matter.

I sold a Medicare Supplement for a company for which my appointment was active because American Senior Benefits did not notify my resignation that happened over 2 years ago. Now American Senior Benefits is retaining my commissions for the sale I made and I am not getting paid. ASB did not notify my resignation to the insurance company and because of their mistake they keep my money.

My parents and my sister and I have met with Fred Goodnight on several occasions since early spring. He lead us to believe that he was selling them medical insurance and saving them thousands of dollars each year beginning in January 2018. He also said he could gets their prescriptions through another plan and save hundreds of dollars every month.

When we stated catching him in lies he refused to talk to us. He would answer phone calls and didn't return messages. We tried tenting him and he would respond to that either. We were lead to be that both parents had been approved for insurance. And that the policies and insurance cards were in the mail. Which wasn't true. This lie was told for months he said he delayed the effective date to the next month to allow time for policies and cards to arrive. Nothing ever came to their home. He lied many times and then he stopped communicating with us.

Finally, I remembered Thanksgiving week, there was a lady with him in the first couple of visits and she had given me her card. I called her in a frantic wanting answers because it time was running out. Almost December and we still didn't have proof of medical insurance for my parents.

The lady is Nalini M. Koyani. It was Monday night so I left her a message. She called me back. I tried explaining the situation to her and she said she was the agent assigned to my dad. And she would get answers and call me back. Next day she said that neither of them were approved or insured. She would try to get my dad approved but could not for my mom. We were in panic mode and worried about the insurance. Apparently Fred just stopped working on their insurance policies and didn't tell us about that. Now panic and anger is stressing all of us out. A couple of days later she said Mom hadn't been approved but dad's case was waiting on a phone call. She eventually got Dad approved but they took over $200.00 out of their banking account immediately. Didn't know that till she called and told me. My parents do not trust her or Fred and they want their money returned. When I told her that she said they have to write a letter saying that don't want that insurance. She told me this today. I ask for a phone number where I could call... hours later she gave me a toll free number [protected]. I have called because it is after hours. I am writing for a full refund for my parents. We are truly blessed that their old insurance was NEVER canceled although Fred said he had canceled it.

This sounds like such a familiar story! I had the same panel type interview after I had "passed" the phone interview and the Vice President was impressed with my resume. They lead you to believe that they will pay for all the training and training material and licensing... NOT TRUE. The course is 3 days and costs 235.00, then the State Test is 40.00 every time you take it. And no one ever passes the first time because what is on the test is not what is in the study material or online practice tests. I was told I'd have full health benefits, a 40 hour work week and 1 Saturday a month for training for a few hours. In reality the days were 12-13 hours long, If I wanted any benefits, I'd have to go find them myself, and after a few home visits to clients, I was told that I'd be with a trainer for two weeks, then I'd be out on my own, this was after being told several times that they never send anyone to a clients home alone for safety/security reasons. Then they nickel and dime you to death with all these additional fees for various things that you "need" for the job. So all in all I spent over 500.00 for this training and received NOTHING in return!
They are refusing to pay me anything stating that I never worked for them, that I was a "private contractor." So I'm going to have to file a complaint with the Michigan Labor Board... what a hassle. I know this scam can't be legal, and what a thing to do to someone desperate for employment.