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American Income Life THIEVES! TREAT AGENTS LIKE SLAVES & HAVE THEM DELIVER "FREE" INSURANCE TO UNION VICTIMS Southfield Michigan
Rip-off Report Investigation: American Income Life / National Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and submit to independent investigation. American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. Waco Texas, Nationwide
American Income Life is without a doubt one of the biggest insurance scams out there for people in need of a job. Schooling or not, sales experience or not, they will hire you. You must pay to take a test from hell and pass (by the 3rd ir 4th time), then wait through about a month of unpaid training to begin delivering "benefits" to Union members.
AIL claims to be a wall to wall union company yet they will insure ANYONE who will give them the time of day. As an agent your job will be to deliver what union members think are free benefits, i.e.discount health card, $1000 accidental death policy...then, while in their homes your job is to push a policy on them to purchase. Most of them dont want to buy it since unions generally have life benefits...some dont let you in the house.
You are not compensated with a salary, gas or car compensation of any kind. You have to go to meetings 2-3 times a week even though you are an "INDEPENDANT CONTRACTOR" What a joke!! There are so many managers who get to dip into the money you make that by the time it gets to you, there is close to nothing especially minus expenses. Example: policy=$600 of annual life premium--you get 40%, but wait! they take 35% out of that and put it into a back end account that you will supposedly see in 7 months...IF YOU DONT QUIT. Obviously, those who come to their senses and choose to leave before the 7 months dont get this money that rightfully belongs to them.
This is such an awful scam, I cant believe the Department of Insurance hasnt done anything about it! Agents and Union members are paying the price for this pyramid schemed company.
Consider this job is for you if: you like to be hassled by managers while being independent with no salary. You like everyones hands in your money before it gets to you (if it does). Driving your car in a hole is almost as enjoyable as filling it everyday at $3/gallon! Dropping off free insurance is fun at your expense!
DO NOT WORK FOR AMERICAN INCOME LIFE ANYWHERE.
Paul
Detroit, Michigan
U.S.A.
16 Updates & Rebuttals
Bob
Providence,Rhode Island,
U.S.A.
i agree Frank
#17UPDATE EX-employee responds
Tue, March 14, 2006
i love coming here and seeing what others have to say about this scam of a company.
Frank
Regina,Saskatchewan,
Canada
this forum rocks
#17UPDATE EX-employee responds
Fri, March 10, 2006
I believe many people like me check this website for the fun of it. I am going to be honest : I love it! I enjoy reading it everyday! Perhaps I will be told I do not have a life, I do not think this is so, either way, this AIL forum rocks!
Barbara
Cleveland,Ohio,
U.S.A.
Tim
#17UPDATE Employee
Fri, March 10, 2006
If anyone needs drugs and therapy, it's you!!!!!!!! My God! Again I haven't been on this site in forever (ie. look at the date of this rebuttal- November 2005) Do you just go thruogh here and find my name and decide to rebuttal me? Do you have a crush on me or something? And for the 15th time! Get over the whole $400 bonus! Dude I've told you a hundred times that was one month. I received a bonus of $2135 last month. Odviously you haven't seen a Spotlight in a long time. You would have seen my name all over it! Stop rebuttaling me with the same crap. Get over it! You've been complaining for over a year! Get a Life! Move On!
Tim
Rochester,New York,
U.S.A.
Barbara you need T H E R A P Y and D R U G S
#17UPDATE EX-employee responds
Thu, March 09, 2006
You can type in caps about crap but everyone knows you just repeat the scripts that everyone else before you was ordered to tell.
I looked up your bonus as reported in your newsletter and you are not doing very well at all. For less than a $400 monthly bonus I can't understand why you have not caught on yet. You are a loser that could not handle working for a real Insurance Company.
Your union job does not even return calls about grievance to attorneys. It is the worse union contract my labor law attorney has ever seen. Do you know who your union rep is? Do you where or how to file a grievance? Did you even get a copy of your union contract? If so please read it carefully if not demand a copy and have your attorney read it.
A long time ago you said you would stop writing these rebuttals yet you continue. They have medications that may help you. All of my renewals were recoded (stolen) after leaving and I was told that I would receive $30,000 dollars due me but received NONE after being near the top for a couple years and maintaining a 90% retention rate.
I've seen all of the managers come and go. My bonuses were about 1,500-2,000 and I was a convention qualifier on my first year but I know I just could not cut it RIGHT? I got sick of the never ending lies and crap!!!! I make more money now in sales. I did sales before wasting my time with NILICO and AIL.
I will help the government agencies that are investigating these scumbags now.
Moby
Plymouth Meeting,Pennsylvania,
U.S.A.
Maybe so, but...
#17UPDATE Employee
Mon, March 06, 2006
Robyn, you may be right but there is one little problem. Check AIL on the BBB website and go through it agency by agency. With a few exceptions, none of them are registered members. By the way, how many times did you type "BBB" in your post, it kinda' gave me a headache.
Robyn
Windham,Maine,
U.S.A.
Ever hear of the "BetterBusiness Bureau"
#17Consumer Suggestion
Sat, March 04, 2006
Then why hasn't your Co. registered with them?
Robyn
Windham,Maine,
U.S.A.
Ever hear of the "BetterBusiness Bureau"
#17Consumer Suggestion
Sat, March 04, 2006
Then why hasn't your Co. registered with them?
Robyn
Windham,Maine,
U.S.A.
Ever hear of the "BetterBusiness Bureau"
#17Consumer Suggestion
Sat, March 04, 2006
Then why hasn't your Co. registered with them?
Robyn
Windham,Maine,
U.S.A.
Ever hear of the "BetterBusiness Bureau"
#17Consumer Suggestion
Sat, March 04, 2006
Then why hasn't your Co. registered with them?
Frank
Regina,Saskatchewan,
Canada
Interesting Barb
#17UPDATE EX-employee responds
Mon, November 07, 2005
OK ...
Dear Barb:
You know what? I have to agree with you, I also have a lot of fun reading this -Quote- "CRAP" . The funniest ones usually come from AIL Salesmen or Independent Contractors.
AIL is rated AM Best..but as you might be aware AM Best refers to FINANCIAL STRENGHT, ALLOCATED ASSETS, ETC.... However, it does NOT refer to American Income Life, it refers as the conglomerate of companies owned by TMK Torchmark Corp. which is a publicly traded company. That is where the rating comes from.
Neither specific hiring nor selling practices by AIL contractors concern AM Best as it was being rebutted above though.
I believe I have seen 10 or so Re-buttals from You Barb, and I know all the usual readers like Me are quite aware of the success you have been living; You point it out rather often.
Having said that:
You mentioned the people that have had bad experiences with AIL just -Quote- "Could not cut it" . Well, perhaps it is so, but I think from an informed point of view it is incorrect to generalize.
The best way to put it I would say is that -You Barb are a good cut for an insurance salesman / saleswoman - and the people that failed just were not, wouldn't you agree? These people could make great pharmacologists, aquatics, etc where there are no sales pressures by living off a commission base.
I believe you are successful because probably you combine your Sales Script and Selling Abilities based on the Client's insurance needs in a rather good manner.
Some people simply cannot do it just as good as you do, but this does not indicate by any means they -Quote- "Cannot cut it anywhere" , maybe they just cannot cut it as independent Insurance contractors, but that is the extent of it.
Also please remember, as you rebutted Me once (and I agree), the agency you operate from -like you said- it is probably really well led because there are Good, Abundant and Recent Leads. However many agencies are not as fortunate, which would explain some of the high turn over don't you think?
To finalize, I wish you keep being successful in your endeavors, BUT REMEMBER: usually the most successful people are also among the most humble ones.
Best wishes,
Frank
Regina,Saskatchewan,
Canada
Interesting Barb
#17UPDATE EX-employee responds
Mon, November 07, 2005
OK ...
Dear Barb:
You know what? I have to agree with you, I also have a lot of fun reading this -Quote- "CRAP" . The funniest ones usually come from AIL Salesmen or Independent Contractors.
AIL is rated AM Best..but as you might be aware AM Best refers to FINANCIAL STRENGHT, ALLOCATED ASSETS, ETC.... However, it does NOT refer to American Income Life, it refers as the conglomerate of companies owned by TMK Torchmark Corp. which is a publicly traded company. That is where the rating comes from.
Neither specific hiring nor selling practices by AIL contractors concern AM Best as it was being rebutted above though.
I believe I have seen 10 or so Re-buttals from You Barb, and I know all the usual readers like Me are quite aware of the success you have been living; You point it out rather often.
Having said that:
You mentioned the people that have had bad experiences with AIL just -Quote- "Could not cut it" . Well, perhaps it is so, but I think from an informed point of view it is incorrect to generalize.
The best way to put it I would say is that -You Barb are a good cut for an insurance salesman / saleswoman - and the people that failed just were not, wouldn't you agree? These people could make great pharmacologists, aquatics, etc where there are no sales pressures by living off a commission base.
I believe you are successful because probably you combine your Sales Script and Selling Abilities based on the Client's insurance needs in a rather good manner.
Some people simply cannot do it just as good as you do, but this does not indicate by any means they -Quote- "Cannot cut it anywhere" , maybe they just cannot cut it as independent Insurance contractors, but that is the extent of it.
Also please remember, as you rebutted Me once (and I agree), the agency you operate from -like you said- it is probably really well led because there are Good, Abundant and Recent Leads. However many agencies are not as fortunate, which would explain some of the high turn over don't you think?
To finalize, I wish you keep being successful in your endeavors, BUT REMEMBER: usually the most successful people are also among the most humble ones.
Best wishes,
Pete
Valley View,Michigan,
U.S.A.
Problems?
#17Consumer Comment
Sat, November 05, 2005
Let's face it--you just don't have what it takes to be in the Insurance Industry. Do you think people are just going to stop you in the street and push their premium money on you? No! You have to make the presentation, but with all your complaints listed here, I doubt if you're capable of doing a decent presentation. You failed to mention that all your expenses (such as gasoline) are tax deductible. If you're so brilliant you don't feel you should attend training sessions/meetings, how come you're not independently wealthy? And how would you become acquainted with your product(s) without these sessions? A 'test from hell?' Insurance companies want to be sure you're licensed, and licenses aren't handed out to just anyone at ten cents a copy. You'd better know your stuff before you try selling any product. Evidently since you know that the test can be taken on more than one try, you didn't do too well, did you? Insurance laws are very strict in our state as well as others.
It's not a pyramid scheme. An insurance company makes a large financial investment in a new agent and they're not in it to lose money--no one is.
The Insurance Industry is very lucrative. I suggest you go back to flipping burgers. The tenor of your letter shows you're most suited for that occupation.
Pete
Valley View,Michigan,
U.S.A.
Problems?
#17Consumer Comment
Sat, November 05, 2005
Let's face it--you just don't have what it takes to be in the Insurance Industry. Do you think people are just going to stop you in the street and push their premium money on you? No! You have to make the presentation, but with all your complaints listed here, I doubt if you're capable of doing a decent presentation. You failed to mention that all your expenses (such as gasoline) are tax deductible. If you're so brilliant you don't feel you should attend training sessions/meetings, how come you're not independently wealthy? And how would you become acquainted with your product(s) without these sessions? A 'test from hell?' Insurance companies want to be sure you're licensed, and licenses aren't handed out to just anyone at ten cents a copy. You'd better know your stuff before you try selling any product. Evidently since you know that the test can be taken on more than one try, you didn't do too well, did you? Insurance laws are very strict in our state as well as others.
It's not a pyramid scheme. An insurance company makes a large financial investment in a new agent and they're not in it to lose money--no one is.
The Insurance Industry is very lucrative. I suggest you go back to flipping burgers. The tenor of your letter shows you're most suited for that occupation.
Pete
Valley View,Michigan,
U.S.A.
Problems?
#17Consumer Comment
Sat, November 05, 2005
Let's face it--you just don't have what it takes to be in the Insurance Industry. Do you think people are just going to stop you in the street and push their premium money on you? No! You have to make the presentation, but with all your complaints listed here, I doubt if you're capable of doing a decent presentation. You failed to mention that all your expenses (such as gasoline) are tax deductible. If you're so brilliant you don't feel you should attend training sessions/meetings, how come you're not independently wealthy? And how would you become acquainted with your product(s) without these sessions? A 'test from hell?' Insurance companies want to be sure you're licensed, and licenses aren't handed out to just anyone at ten cents a copy. You'd better know your stuff before you try selling any product. Evidently since you know that the test can be taken on more than one try, you didn't do too well, did you? Insurance laws are very strict in our state as well as others.
It's not a pyramid scheme. An insurance company makes a large financial investment in a new agent and they're not in it to lose money--no one is.
The Insurance Industry is very lucrative. I suggest you go back to flipping burgers. The tenor of your letter shows you're most suited for that occupation.
Pete
Valley View,Michigan,
U.S.A.
Problems?
#17Consumer Comment
Sat, November 05, 2005
Let's face it--you just don't have what it takes to be in the Insurance Industry. Do you think people are just going to stop you in the street and push their premium money on you? No! You have to make the presentation, but with all your complaints listed here, I doubt if you're capable of doing a decent presentation. You failed to mention that all your expenses (such as gasoline) are tax deductible. If you're so brilliant you don't feel you should attend training sessions/meetings, how come you're not independently wealthy? And how would you become acquainted with your product(s) without these sessions? A 'test from hell?' Insurance companies want to be sure you're licensed, and licenses aren't handed out to just anyone at ten cents a copy. You'd better know your stuff before you try selling any product. Evidently since you know that the test can be taken on more than one try, you didn't do too well, did you? Insurance laws are very strict in our state as well as others.
It's not a pyramid scheme. An insurance company makes a large financial investment in a new agent and they're not in it to lose money--no one is.
The Insurance Industry is very lucrative. I suggest you go back to flipping burgers. The tenor of your letter shows you're most suited for that occupation.
Barbara
Cleveland,Ohio,
U.S.A.
YOU JUST COULDN'T CUT IT!
#17UPDATE Employee
Sat, November 05, 2005
I HAVE SO MUCH FUN READING ALL THIS CRAP. PEOPLE NEED SOMEWHERE TO LET OUT THEIR FRUSTRATIONS BECAUSE THEY FAILED AT SOMETHING AND NEED SOMEONE TO BLAME.
PLEASE JUST GET OUT OF THE INSURANCE BUSINESS PERIOD. IF YOU CAN'T MAKE AT AIL THEN YOU CAN'T MAKE IT ANYWHERE.
IF OUR COMPANY IS SOOOOO BAD, THEN WHY DID OUR AM BEST SCORE GO FROM A TO A+? INTERESTING, DON'T YOU THINK?
ANYWAY, I'VE BEEN THERE FOR 6 YEARS. I'M NOT EVEN A MANAGER. I HAVE BEEN ONE, BUT I LIKE TO TAKE RESPONSIBILITY FOR ONLY MYSELF. I JUST DON'T LIKE WASTING MY TIME ON YAHOOS SUCH AS YOURSELF.
FIND SOMEONE ELSE TO BLAME. BELIEVE ME, I MAKE AN EXTREMELY GOOD LIVING WITH RENEWALS, ADVANCES, BONUSES, YOU NAME IT. AND NO, I DON'T MAKE ONE DIME OFF NEW AGENTS BUT SOMEHOW I MANAGE. HMMM, GO FIGURE.