Everly Life Insurance Company Arvostelua 

My 91 yr old mom and I have had the worse customer service experience ever. My father passed and all we need to do is transfer ownership to my mother, she is the POA. We faxed everything they said to, including the death certificate. Then they called and said they need the death certificate. I resent by email with receipt and proof of the fax with the documents. So after talking with 3 people that barely speak English , he said that it can’t be emailed. So we finally got confirmation, then they sent a letter stating that my deceased father is the policy holder ( he’s dead) and my mother is the POA. Once again I have to get on the phone with someone I can barely understand, explained the situation for the 10th time, and said they’d call back, but never did. First of all this is the USA and the primary language Is English , that’s who we need to be speaking with so we can understand one another.

Have not heard from anyone with a welcoming or any type of information regarding anything.

Easy to work with!

Frankie was excellent! Thank you

Good customer service. Easy website navigation

After getting everything in order, where i missed a payment last November I’ve decided to stay on with Everly life. I spoke with someone who was really understanding about my situation and very much helpful. Plus helped me get my insurance straightened out and back up running

Do not use this insurance company. My mother submitted a letter in Mid November 2025 requesting to surrender the policy. She also requested to have her address changed to her new address. They changed the address but did not comply with the requested surrender of life insurance policy. Called them back in Mid December. She finally received another letter in January 2026. The letter said she needed to submit a form they sent to be signed and notarized and returned to them. She signed the form and had it notarized at a cost of $55. And sent it back. They were also requesting for her to continue to pay premiums for December and January of $53.78. And threatening her that they will not pay the claim if she didn't continue to pay the premiums. Mid February she still did not receive the cash value of her policy. We called Mid February. The person we spoke to said she failed to put a date on one line. Note the form had 3 places to write in the same date which were filled in. We filled in the date and sent the forms back again via email as directed to customer service. Then called back to make sure they received it. They apparently have a review group process that it has to go through. It is now April 6, 2026. She has still never received the money. She received 3 letters from them. Now requesting payment for January, February, and now March payment of premiums. And one letter dated 3/25/26 stating the face value of her policy is now reduced to $1,430.77.
It has been converted to its non-forfeiture option.
This company preys on elderly people and will do everything to delay payment so they don't have to pay out!
I have contacted the California insurance commissioner to complain about this company.
Winona Barreto for Winona Hansen

Very helpful & knowledgeable on the phone

Less than half a star just awful quality products and when wrong item sent they would not even acknowledge my email. Please do not waste your money on this scamming website.

Where to begin...a $5k policy was sold to my father at age 65 for $40 a month which he paid on for 12 years! He is going through a divorce, very ill and in a nursing home and trying to cash the policy out...he has paid over $5200 for a policy that is only worth $5000 and the cash value is $1680. Such a scam and impossible to get anyone on the phone who will work with you let alone speak ENGLISH! They do not make it simple for you to cash in the policy OR speak with ANYONE who can assist you. SCAM SCAM SCAM! DO NOT BUY FROM THIS COMPANY!

I had a balance on my policy which I paid in full two months ago. Once I received my policy information in the mail, Everly stated I still had an outstanding balance against my policy. I submitted proof, the amount was withdrawn from my account and each time I call to get the issue corrected, I get the response of "they are working on it" and someone will return my call in 24-48 hours. It has been a week with no response as to what happened to the funds withdrawn from my account. The company rep stated they have reached out to their processing team. I can't understand why the payment has yet to processed two months later but was withdrawn from my banking account. I was even told to check with my bank to see if the funds were taken from my account. I also submitted proof of payment and received an email stating I will hear from the company in 24-48 hours. At the time of posting this review, I have not heard from someone other than stating I will receive a response with 24-48 hours which we are now pass that timeframe.

****Update to Everly's response***

I contacted your company to receive an update to my missing funds, only to be told there is a balance due to the interest added to the account. The payment was made prior to the annual renewal date, so there should not be any interest added to the account. I should not be penalized due to the fact your company did not note the account until a month later. The issue has not been resolved.

**Second Update***

Although this was not in a timely matter, the issue has been resolved. Everly has just contacted me and let me know there is no balance.

Father had paid multiple insurance policies with a single check yearly for all the policies. When mother passed they said policies x,y,z were invalid because of no payment. Funny thing was we got the new bill for policies x, y, z on the day my mother passed which showed years payments. They are still arguing policies were invalid.

Made the process easy my only issue was when applying I marked the answer incorrectly moving to fast I assume and was dinged for it, other than that hiccup is a very smooth process, and highly recommended, it is unlike any coverage I've seen.

Another brutal experience..when will Everly update service 4 email..an payments on line..

Very easy and simple process from start to finish

SeAmless and fast to issue a policy

Easy to apply and a quick response. Rates were a little higher than expected, thus the 4 stars instead of 5. But customer service is excellent and very knowledgeable.

I was approved for an IUL insurance policy, the process was so easy. I am 23 years old and most companies only offer Term-life insurance coverage for my age range. I am so thankful I submitted my application with Everly.