Complaint Review: American Income Insurance / Torchmark Corporation - Portland Oregon

REVIEW UPDATE:November 16, 2018: American Income Life remains committed to increased customer satisfaction and has improved their business practices over the years to better serve their customers. American Income Life is truly dedicated to making sure their customers are satisfied and that any complaints which do arise are addressed promptly and fairly.

To date, American Income Life has made good faith efforts to resolve all complaints reported on Rip-off Report. Based on our experience, the member business has proven to be among the top members of the Rip-off Report Corporate Advocacy Business Remediation and Customer Satisfaction Program as a Verified Safe Business.

Over time and since becoming a member, American Income Life has remained actively engaged and improving the way they address customer service complaints. As an active and current member of the Rip-off Report Corporate Advocacy Business Remediation and Customer Satisfaction Program we are happy to report that now more than ever American Income Life remains committed to improving customer satisfaction.

Remember, no company or individual can ever satisfy 100% of the people 100% of the time. There are no products or services that will always be perfect for everyone and even the best companies will receive complaints from time to time. However, by participating in the Corporate Advocacy Program, the member business has made a commitment to working with its customers to resolve complaints quickly and fairly whenever possible.



Please keep in mind that as a consumer you have some responsibilities as well. Success has many definitions that based on your past experiences, current situation and your perceived expectations. Success with any product or service is always based on the proper application and understanding. The fastest car will not run if you never turn the engine on. Look at how you used the product or service that was provided in relation with the instructions that you received. The Corporate Advocacy Business Remediation and Customer Satisfaction Program will help you get your voice heard but please be prepared with documentation and fair representation of your concern, also have an idea of how the company can fix your concern. Can they offer additional services, extend warranties, offer a fair refund or just get you talking with someone that can help. ..let them know and let us know!

*Any consumer not receiving satisfaction from a member of the Corporate Advocacy Program should email us at [email protected]

*UPDATE, Rip-off Report REVIEW: American Income Life / National Income Life Insurance Company gets a POSITIVE RATING from Rip-off Report and is fulfilling its commitment to resolve all legitimate complaints and address representative issues. Rip-off Report has investigated the company for many months after they contacted us to resolve any posted issues and misunderstandings. With over 2500 representatives and millions of clients, American Income Life / National Income Life is bound to be the subject of a certain number of complaints about improper agent conduct, as well as product and administrative complaints.



Rip-off Report's investigation found such complaints, but importantly also found that American Income Life / National Income Life is committed to resolving such complaints quickly and is doing everything possible to satisfy its clients and representatives alike. The company also takes appropriate action against any of its representatives who are found to have conducted themselves improperly or unethically. We believe that the number of complaints against this company, whether through the Internet or other channels, is small when put into the context of its enormous size. Most large companies would never commit themselves like American Income Life / National Income Life has to Rip-off Report's Corporate Advocacy Business Remediation & Customer Satisfaction Program.

Read our investigative Report and American Income Life / National Income Life's commitment to 100% consumer satisfaction.

American Income Life / National Income Life provides products and services through independent representatives, and has been providing benefits to families for over 50 years. AIL is rated A+ Superior by A.M. Best Company, its second highest rating, for overall financial strength (as of 6/07). American Income Life / National Income Life www.ailife.com and also www.WorkAtAIL.com provides life insurance and supplemental benefits to members of labor unions, credit unions, associations, as well as private clients in all 50 states, the District of Columbia, Canada, and New Zealand.

See why you should feel secure and confident when doing business with American Income Life / National Income Life Read about Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program,..A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business. this program works.

===================== NOW TO THE ORIGINAL REPORT THAT WAS FILED

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American Income Insurance / Torchmark Corporation ripoff, misleading, false impressions, you are NOT special here Portland Oregon

I originally received an email from American Income Insurance saying they had looked at my resume on Monster.com and that I should contact them to set up an interview. I almost did, I am on unemployment from a job I REALLY do not want to return to, but first I looked at their website. I saw it was a insurance sales position and that it seemed like your main income came from insurance renewals rather than a real paid type job. I simply disregarded them as it's not something I was really interested in doing.

About a week later I received a phone call from them, again stating that they saw my resume on Monster.com and that they were interested in setting up an interview the next day. OK I thought, I'll give it a shot if they went to the trouble to actually called me, plus the rules of unemployment are that I would have to attempt to get any job offered to me. In any case I went in for my interview at 1:15 the next day.

I had to go out to Hillsboro for the interview, which is set up something like a maze, I ended up being about 20 mins. late. My first bit of unease came from the fact that their office was an almost empty office building (they were one of 3 offices occupied out of about eight), but I figured that Hillsboro has quite a few locations like this. I came into the office, said I was sorry for being late, the lady at the desk seemed unphased by that, weird I thought, most of the time if you are that late for an interview you have some reason to worry about your potential to be hired, oh well, maybe I was just lucky...

I had to fill out a form with a bunch of typical interview questions and a few math problems and then I was called into the office by the woman I had spoken to on the phone. She asked if I had brought my resume (she never asked me to do so on the phone and didn't they get it already of the internet?) I hadn't, so she looked at my questionaire and then asked me to tell her about me. I clarified if she just wanted me to talk about my life or work, she said my life, wierd but ok, I talked about growing up and how I had been at the same job for 3 years and was looking for a stable career type job, this was all in the questionaire by the way. She had asked me a few questions about my management experience and then talked to me about how successful their company was, a bit odd since most interviewers aren't trying to convince you to join their company, but trying to see if you would be a good employee. The whole interview seemed scripted and it seemed like she was only half listening to my responses, giving me smiles when they were programmed to be giving, that kind of thing. In the end she said she was going to make a "snap desicion" and have me come in for a second interview.

I should probably make the point that the only job experience I have ever had was food sevice and a paper route, although they included some low level management it's not exactly what I would call great qualifications. I have been hired on "snap desicions" before though so it wasn't too unusual. She gave me a hastily scribbled posted note:
"www.torchmarkcorp.com
Thrusday 12:00
TMK"
and told me to study their website and look up the TMK on yahoo finance then show up for a "orientation" on Thursday, then if I passed that level I would be scheduled for a 3rd and final interview.

I was feeling a little nervous since I still wasn't quite sure what I would be doing in my new "career" but glad none the less to potentially have a new job.

I "studied" their site, which provides very little information about what I would be doing, and tons of repeated information about how I could earn tons of money, even if I stopped working there. In fact their profile on yahoo finance gave me more info about their company than their whole site. After this I was a bit worried that this company might not be all that great.

I searched around a bit trying to find testamonials of actual employees, not on their website (they all said things like "what have you got to lose" not very promising, and "you can earn as much as you want" sounding much like those get rich quick SPAMs I get all the time). I didn't find much good or bad at first, then I came across someone's online journal which told of his own experience and linked to this site. Everyone's experiences seem to follow mine like a script, after reading them I have decided that even if it wasn't a pyramid scheme it's not what I want to do. The fact that you have to pay for your training and that they were not up front about being a independent contactor recruiter bothers me. I felt like I was just another possible paycheck for someone and that they didn't have people's best interests in mind.

I would encourage anyone who has been recruited to take everything said about the company to heart and at the least make a judgement about whether you want to be a door to door salesperson who has to provide all of their own supplies before they can start.

Kelly
Portland, Oregon
U.S.A.

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