Complaint Review: American Income Life - Southfield Michigan

i love coming here and seeing what others have to say about this scam of a company.

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!

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!

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.

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.

Then why hasn't your Co. registered with them?

Then why hasn't your Co. registered with them?

Then why hasn't your Co. registered with them?

Then why hasn't your Co. registered with them?

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,

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,

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.

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.

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.

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.

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.