Family Heritage Life Insurance Company’s earns a 1.6-star rating from 0 reviews and 7 complaints, showing that the majority of policyholders are dissatisfied with their coverage and service.
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Family heritage global life
Do not sign up for this company. horrendous outsourced customer service. They don't care about you or your issues at all. in fact when you call their number the very first option is to make a payment. They will make you jump through hoops to cancel. I had to go to my bank to block payments. i was being double charged and had two policies open in my name. i asked for a supervisor more than one time and was not put through with one. I wanted to cancel with them multiple times but every time they made me jump through hoops. they literally told me if i wanted to cancel to turn my card off. which is funny because when you sign up you sign up via routing and account number so even if you turn your card off you'll still be charged. they were rude especially when they knew i wanted to cancel. it's absolutely ridiculous the way they scam and mistreat people. this company is criminal. sending their sales reps to businesses and communities selling wolf tickets. No one told me it would be this hard to cancel when they were at my job signing me up while I was simultaneously working. taking advantage of seniors and those in need of insurance. As easy as it is to sign up, it should equally be as easy to log off. the same positive energy they use to sign you up should be the same energy to cancel. the fact is, anyone who's not aggressively trying to cancel, like I am, will be stuck being charged or double charged. seniors and those who aren't tech savvy are not going to be able to jump through hoops or go through the proper channels to get the account closed. my accounts still not closed. I had to get my bank to block future payments which isn't full proof because they have multiple merchant ID's they can charge you through. so even though I blocked the two Merchant ID's that have been charging me, my bank notified me that they can still charge me by using a different merchant ID. I left a BBB review and had to open an investigation through my bank and through the BBB. This was the worst experience I have ever had trying to cancel a membership. a membership that has put me into overdraft and caused me financial hardship. I work in 5 different places to make ends meet. I struggle to pay by bills. I don't own a car or a home and I'm ex-military. I don't ask for handouts and chose to live like a minimalist. I have insurance through my job and haven't needed Global life for over since months. never used the service. paid every month. and when i try to quit i spent an hour on the phone 2 times and basically was told oh well. and the two-question survey about the experience, doesn't happen if you or the person answering hang up the phone. so in both instances i was not able to leave a review of my experience. This is a criminal organization and there are so many other options for insurance and life insurance. please do not trust these crooks. Already have to investigations open and i hope they pass a law against criminal enterprises like Global life. Telling people to write an essay, send fax's, pdf, describing why you want to cancel and then having to wait to see if your justification for cancelling gets approved is absolutely. It should never be in your policy or training to tell a customer if you want us to stop billing you, then tell your bank to block payments. thats a crime. youre aware the payments arent authorized and you still continue to charge us.
Desired outcome: Refunded backdated and my account closed.
unauthorized savings account charges
On September 24th 2019 and October 10th 2019, Family Heritage charged my savings account for $32.00 (in total $64.00), after i had canceled my plan and got a confirmation letter saying it was successfully canceled. I canceled my plan on September 7 2019. I should not have been charged either times after the cancelation. How do i go about getting my money back? email is [protected]@yahoo.com
family heritage life insurance
Ohhh Family Heritage Life Insurance
In 2008 a representative from this company talked me into signing up for for this policy. I was only 18 at the time and my mom thought it was a good idea in case I ever had a future illness or accident in the future and if I didn't there was a future pay out option which seemed like a win win. When I was 25 we called on the policy just to verify the age again when you were able to cash out for the first time. It was extremely difficult to get ahold of someone but when we finally did we were informed after 20 years I would be eligible. Recently I've been through all kinds of medical and family hardships. My grandfather past away hurting mine and my financial state and I was diagnosed with a spinal condition that left me with no choice but to take a leave of absence from work without any pay or options to take care of my medical expenses. During the process of my financial hardships I changed bank accounts as a result of consolidated my debt and after reaching out to the company at least 5 times to try to get my payments to come out of the new one they canceled my policy. This one piece of mail delivered to me was the only contact I had from Family Heritage in years. In a rage my wife contacted them which at that point they finally responded and offered to reinstate the policy (this was weeks ago, we are still waiting for the paperwork in the mail) meanwhile I have a medical condition I am unable to take care of at 29 and have wasted 32 dollars a month for the last 11 years that seems to be fraud. Signing with this company was the worst decision of my life.
Is Family Heritage Life Insurance Company Legit?
Family Heritage Life Insurance Company earns a trustworthiness rating of 73%
Reliable, but always remember to protect your data.
We found clear and detailed contact information for Family Heritage Life Insurance Company. The company provides a physical address, phone number, and email, as well as 5 social media accounts. This demonstrates a commitment to customer service and transparency, which is a positive sign for building trust with customers.
Globelifefamilyheritage.com has a valid SSL certificate, which indicates that the website is secure and trustworthy. Look for the padlock icon in the browser and the "https" prefix in the URL to confirm that the website is using SSL.
Globelifefamilyheritage.com has been deemed safe to visit, as it is protected by a cloud-based cybersecurity solution that uses the Domain Name System (DNS) to help protect networks from online threats.
Globelifefamilyheritage.com you are considering visiting, which is associated with Family Heritage Life Insurance Company, is very old. Longevity often suggests that a website has consistently provided valuable content, products, or services over the years and has maintained a stable user base and a sustained online presence. This could be an indication of a very positive reputation.
Globelifefamilyheritage.com appears to have online shopping features, it's important to know that the platform supports an extensive range of payment methods, making it convenient and easy to complete your transaction. The payment procedure on the website is also relatively simple and straightforward, ensuring a smooth and hassle-free experience for buyers.
However ComplaintsBoard has detected that:
- Family Heritage Life Insurance Company's complaint resolution process is inadequate and ineffective. The support team lacks customer service skills, training, and resources, resulting in only 14% of 0 complaints being resolved.
- No reviews for globelifefamilyheritage.com on popular sites. Be cautious and do additional research. Look for information about the Family Heritage Life Insurance Company and be careful with personal information or transactions.
- Globelifefamilyheritage.com has relatively low traffic compared to other websites, it could be due to a niche focus, but could also indicate a potential lack of traffic and popularity. The globelifefamilyheritage.com may offer a niche product or service that is only of interest to a smaller audience.
- Family Heritage Life Insurance Company protects their ownership data, a common and legal practice. However, from our perspective, this lack of transparency can impede trust and accountability, which are essential for establishing a credible and respected business entity.
Reimbursement for monthly fee taken out of bank account after request to cancel due to death
We contacted customer service via telephone in Nov of 2015 after the death of my uncle on Oct 29th, 2015. They continued to take out $71.50 out of his checking account. Sent a letter in June of 2016, they still continued to collect monthly payments until March 2017. They only reimbursed my aunt a little over $400.00 dollars when the total amount taken out was over $.1200.00. They claim that the policy had been transferred to his current spouse in 2012, but we have no paperwork showing that.
Insurance
ive tried cancaling my service more than once. i cannot afford to keep this at all. i was told the payments would be coming out the 15th of every month and now they are coming out a few days early or late. i dont care if i have to write to cancal anymore. i want my policy ended your company has cost me more in overdraft fees in the past year than you would probably pay out in the end. any question feel free to call me at [protected].
ben
Scam of a company - horrible policies and an awful employer to work for!
Potential buyer beware. Potential employee (“independent contractor”) beware. This company solicits overpriced dread-disease policies (cancer, accident, heart-disease, and life insurance) door to door in lower-class areas, often to people who cannot afford traditional major medical health insurance. The only people who are really making money are the CEO, Howard Lewis, and his slimy entourage of upper management. You are merely a slave, given no base salary, no benefits whatsoever, who is encouraged to work from 10am to 9pm, Monday through Saturday to fatten the wallets of your managers while they are out brainwashing more potential sales reps. Why? Because the turnover for this legal pyramid scheme is through the roof – they can’t hire people fast enough to replace all of the turnover (which is probably in the 60-75% range. Seriously).
Why this is an awful insurance policy to own:
1) It is overpriced compared to Aflac and other policies available through your employer.
2) They target people in lower-class neighborhoods, many of which don’t own a major medical policy. They are conned into thinking that “at least they have some coverage.” In reality, they do not – they are only covered if their family deals with cancer, heart disease, or accidents. And poorly covered, at that – the reimbursements hardly cover the money you pay in premium.
3) The customer service is awful and they, like any other insurance company, will do their best to avoid paying claims whenever possible.
4) If it was so great, wouldn’t you have called them? They just showed up at your doorstep to sell this thing to you. Doesn’t that sound a bit strange?
Why this is an awful insurance company to work for:
1) Door to door. Residential.
2) They place you in lower-class neighborhoods, encouraging you to work from 10am to 9pm at night. Most of these areas are unsafe after dark.
3) No base salary. No benefits. Nothing. You pay your own gas, your own hotel costs, your own airfare to company functions, even the parties that are held at company functions – those go right on your tab! What a joke!
4) 100% Commission-based. And the commission is entirely arbitrary – they assign your contract percentage based on how badly they want you to work for them. The directors/managers are on 80% or higher contracts. They give their slave labor contracts ranging from 30-70% of the premium amount. That means, in most cases, your manager makes MORE money than you do on YOUR sales!
5) They don’t care if you quit – if you quit, your manager still gets paid on your policy for the time that policy stays on the books.
6) Policy retention – these policies, much like the salesforce, have an incredibly high turnover. Policies are cancelled at a ridiculous clip – somewhere in the 25-30% range. If not higher.
In summation, you are out of your mind if you are ever convinced that this is a good company to work for or buy a policy from. The polices are terrible, the salesforce is a bunch of kool-aid drinking half-wits who are merely slaves to their manager, who kicks back and makes the majority of the money while you sweat your tail off, selling this crap door to door. Buyer beware. Employee beware. You have been warned.
Interesting... We have had our coverage for 7 years and never thought we'd use it. Over the past 6 months it has paid us over 38k while my son has been battling cancer. The money has been a big help.
It is unfortunate that you have such a negative opinion. I'm assuming that you only worked for them and never had to use the coverage.
While I can not speak for every department, we have been very happy with the claims side of Family Heritage Life Insurance.
Checking account fraud
We bought policies from this company in july of 2006 thought the better of it and tried to cancel our policy the first time in june of 2007. Since then, they have fraudulently taken money out of our checking account for a loss of more than $4000. You can not have a civil conversation with them if you want to cancel. We took the money out of our checking account for a few months and notified the bank not to pay them. We received letters that our policies were canceled for non payment. A few months later they were again taking money from our account. We are in the process of filing suit against them and would appreciate hearing if anybody else who has been cheated by them.
The complaint has been investigated and resolved to the customer’s satisfaction.
My Name is Jesse Diaz and I am a Police Officer for the State of Texas a representative from Family Heritage Named Eric Galvan went to our Police Department and offered us all kinds of coverage accidental, Cancer, and ICU, coverage on December 24, 2018 I got injured on Duty and I was transported to Knapp Medical Center in Weslaco Tx . I suffered a torn meniscus and a lateral tear and the Cartilage in my left knee ruptured causing my knee to instantly swell up . The Representative told me that they would cover any kind of injury and they would pay us loss wages and they would even pay us 50.00 Dollars for therapy per session up to 12 sessions . It was a Lie. The people in claims told me that they only pay when you are in the Hospital up to 3 sessions but in the pamphlet they give you when you sign up it mentions that they pay out patient therapy . What the claims Department told me is contradicting to whats on the pamphlet . Do not purchase any policies from these con artist . Family Heritage is not there for you when you need them .
Any company that cold calls in this manner for serious insurance is [censor]my. Today a group of these individuals went to my daughter's house pushed their way in demanded that they give them their undivided attention and attempted to get banking information. I would not deal with these people or their shill posters trying to defend them for any amount of money. I am contacting local law enforcement to see what can be done about their potentially criminal Behavior. Let's face it there are plenty of reputable insurance companies to get coverage for your family from. Don't deal with [censor].
I like the company. Always does what it says it will do.
I will have a update on how well thing's are going with Family Heritage Insurance Cancer policy. It will be the first time I have been in contact with this company since 2005 when I took the policy out. Hope all goes well for Me.
All of you saying this claim is bogus, ought to be ashamed of yourselves. You don't know people's personal experiences. I used to work for this company. NO I am not a disgruntled worker. They take you away for a week and brainwash you with all this "yes you can" stuff and literally tell you that if you cant sell their product you don't have what it takes to make it in life. Then they spend maybe 4 hours out of the entire week they "train" you, teaching how to sell the "product". I've been there wI think a trainer out in the field when they were disrespectful to people wanting time to look it over. it's a tactic to get you to just go with it. I've heard "agents" be nasty to people. They teach you to not take no for an answer and try and push your way into the person's door to basically force them to hear you out. if you don't want to work door to door they have you recruit people to work for the company and you get paid for their work. It's a freaking pyramid scheme. Even though I made a substantial amount of money working for them, I'm ashamed that I worked for them and I quit once I saw first-hand how crooked this company is.
I had a similar visit as some of the other folks here from a couple of FHL salespeople this afternoon. Having been visited by cancer insurance salespeople in the past, I smelled a scam right away, but I'm always open to any legit and affordable avenues of insurance coverage just in case.
The salespeople (a young man and woman in their 20s) were nice, but were totally unfamiliar with the rural area we live in. In fact, they thought they were in the neighboring town across the county line! Strangely enough, they showed up on foot. I'm guessing their superiors didn't want to take the risk of anyone reporting their license plate number to the police for suspicious activities and dropped them off somewhere down the road. That was one HUGE red flag for me. If they are salespeople who genuinely care about the people they are marketing to and are selling a legit product, why go to the trouble of staying so low-key and anonymous?
Being the nice guy I usually am, I agreed to give them a few minutes of my time. That few minutes turned into 45 minutes in which they made themselves at home on my front porch (I was highly reluctant to let them in the house) and refused to leave. I kept telling them I'd look more into this policy, but they weren't going to take No for an answer. The man was increasingly pushy and kept using the "What if you were diagnosed with cancer tomorrow? This is why you need to have this now." angle. At one point, he even started filling out the paperwork for me! When I told him flat out that I'd research more about it on the Internet, he looked genuinely shocked and said "You guys have the Internet here?". I guess he was told there was no Internet access in this area. At that point he was getting increasingly frustrated and finally pitched a $19 plan to me. Again, I told him I'd research it. He then said "Well at least I tried." and left.
After reading some of the reviews about Family Heritage Life here and on other sites, I am now patting myself on the back for not signing up for a policy with this company. If they have to send salespeople like these two around to push and coerce people into signing up for a policy, you know there is something very fishy about the organization as a whole.
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this is the rating as of today, i just started working with them and ive already seen it be a blessing to many families, are training is continuous, and i can tell you if one of our agents behaved this way, he would no longer be with us. last week several return of premium check were hand delivered, in person to families in my area, ive seen claims where we have paid out over 200, 00 in premiums. when a client has a problem or needs to file a claim, their agent is right there evry step of the way
After read these post I not sure if this is a good company or not? One issue I am having is that there has been no complaints posted to the Better business bureau since 2014. This makes me think that these maybe scams from other insurance companies that compete with Family Heritage. But just in case this is true here is a helpful hint on getting an overdraft from your bank account stopped it will not help you get your money back they already have but it will help you from loss of more. Put a Stop payment on the draft with your bank this will cost you a fee but it is normally less than the amount being withdrawn. If your bank charges more than this for an overdraft you need a new bank or maybe when go with a credit union for banking.
If you do have a complaint that is true please file it with the BBB so that bad business can be stopped and the good ones that have employee issues get better.
Wow my husband and I just had a visit from one of these sales people, we told her we wanted to think about it also her response was "Do you know how many times I have heard that one." My thought "Do you know how many times we have heard this is the best?" Both my husband and I are still considering it but now I am a little leary with all the negative responses. You know what they say Sounds to good to be true!
I also had a salesmen approach me asking for a few minutes of my time. An HOUR later he was still trying to get me to sign up even after I repeatedly told him I had an out of town event I needed to leave for and that I would need to discuss his offer with my S/O. He did want to take no for an answer and did not want to leave. He was way too pushy, desperate, and annoying, which was the red flag for me.
Overview of Family Heritage Life Insurance Company complaint handling
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Family Heritage Life Insurance Company Contacts
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Family Heritage Life Insurance Company phone numbers+1 (440) 922-5222+1 (440) 922-5222Click up if you have successfully reached Family Heritage Life Insurance Company by calling +1 (440) 922-5222 phone number 0 0 users reported that they have successfully reached Family Heritage Life Insurance Company by calling +1 (440) 922-5222 phone number Click down if you have unsuccessfully reached Family Heritage Life Insurance Company by calling +1 (440) 922-5222 phone number 0 0 users reported that they have UNsuccessfully reached Family Heritage Life Insurance Company by calling +1 (440) 922-5222 phone number
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Family Heritage Life Insurance Company emailswebcs@familyheritagelife.com100%Confidence score: 100%Support
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Family Heritage Life Insurance Company address6001 East Royalton Road, Suite 200, Broadview Heights, Ohio, 44147, United States
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Checked and verified by Maria This contact information is personally checked and verified by the ComplaintsBoard representative. Learn moreJun 30, 2025
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Recent comments about Family Heritage Life Insurance Company company
Scam of a company - horrible policies and an awful employer to work for!



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