Account Protector Program for American Express does not

American Express has the Account Protector Program that claims to suspend all charges to your account in case of involuntary unemployment. I signed up for it and for three years I was paying up to $80 a month for it. When my employment contract was involuntarily terminated, I was refused all benefits that this program promised.

I urge all to stay away from it.

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For what its worth i am currently unemployed due to the construction industry and have been receiving benefits from Amex Acc Pro for nearly a year now to the tune of 200 usd a month. keep in mind i must fill out monthly forms AND qualify for state unemployment benefits.

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I was told by a salesperson that the American Express Account Protector program would pay my balance if I were ever hospitalized or disabled. I paid $35 a month for a year, and then when I was hospitalized for 6 weeks, American Express ruined my credit rating, closed my account, and turned my balance over to a collector who harassed me daily and demanded my balance be paid in full.