Complaint Review: United American Insurance Company - Parkville Maryland

What you are "Mngrs" Blair et al are LIARS. I JST got off the phone in Reno NV at 7:45 p.m. PST 5/25/2010 with a woman named Janet called and introduced herself as being from the United Insurance Group, I triple checked as the man who had before her left the same message to return HIS call said American Express Insurance. Interviews were for the same time, 1:30 p.m. for same location 1000 Bible Way ste 40 Reno nv 89502.

As my husband and I had both been placing resumes we were not sure who they had called. The message says my/his resume and skill set had so impressed them that they wanted to schedule an immediate interview and left the time and date of the interview on my message machine. I still have it in fact along with his identifying himself as American Express, so tell me, was he half asleep and not paying attention as well? I am have a law degree, waiting for the Nevada bar to accept me as I just moved here from California, and my husband is a business manager with alsmost as much education as I have. we DO have nice resumes, but as the person never identified who they were asking to interview, I called back. "Janet" said that we were BOTH welcome to interview! Hmph, guess my individual resume (or his) hardly stood out as memorable.

Why would two such different backgrounds be acceptable? WHY would they think an atorney wanted to work on commision?

Yes, you were lied to. Do NOT believe one of these so called managers. Leave an email and I will send you my phone number and you can hear these messages yourself.

I just moved to MI to be with some family members for a bit. i left a sales job in CA that paid really well. I am now searching for a job out here until i move back to CA. I was contacted By AIL a sub. of TorchMark. All I want to know is if a person can make a decent pay here at this place. Id love some Examples from people currently working there. Like how much did you make the first month? How much are you making now? Im a good sales person and don't mind making commission only. Just please tell how much your making now and how much did you make the first month......Any any other info would be great before I go to this "interview"

I just moved to MI to be with some family members for a bit. i left a sales job in CA that paid really well. I am now searching for a job out here until i move back to CA. I was contacted By AIL a sub. of TorchMark. All I want to know is if a person can make a decent pay here at this place. Id love some Examples from people currently working there. Like how much did you make the first month? How much are you making now? Im a good sales person and don't mind making commission only. Just please tell how much your making now and how much did you make the first month......Any any other info would be great before I go to this "interview"

I just moved to MI to be with some family members for a bit. i left a sales job in CA that paid really well. I am now searching for a job out here until i move back to CA. I was contacted By AIL a sub. of TorchMark. All I want to know is if a person can make a decent pay here at this place. Id love some Examples from people currently working there. Like how much did you make the first month? How much are you making now? Im a good sales person and don't mind making commission only. Just please tell how much your making now and how much did you make the first month......Any any other info would be great before I go to this "interview"

I just moved to MI to be with some family members for a bit. i left a sales job in CA that paid really well. I am now searching for a job out here until i move back to CA. I was contacted By AIL a sub. of TorchMark. All I want to know is if a person can make a decent pay here at this place. Id love some Examples from people currently working there. Like how much did you make the first month? How much are you making now? Im a good sales person and don't mind making commission only. Just please tell how much your making now and how much did you make the first month......Any any other info would be great before I go to this "interview"

I'm getting these emails all the time as well thanks to my resume being posted on Monster.com. Gmail throws them into my Spam folder and I haven't taken one out yet as I'm looking for an IT job, not insurance sales. To all of you "employees", I can't believe you're selling insurance when you can't even sell your own company. You've all hopped right on the defensive, but not a single one of you has sung the praises of this job you hold so dear. I had my doubts before and now I'm certain: this is a scam. Don't get hostile because you got suckered.

I think this complaint is hilarious, really. I have been with the company for 4 years at the home office. I have dealt directly with the customers as well as the agents. And yes, there are cruddy agents out there, however, isn't this true of all companies? I get recruiter emails from all sorts of companies. If you don't like them, unsubscribe instead of complain. It's really that simple. If your resume is on any job site you WILL be contacted by many different recruiters. It's their job. Whether or not you choose to accept it or research it, that's your problem.

I have been with United American for 13 years. Through hard work, and Integrity in doing business this company has provided myself, and my family an income I never dreamed were acheivable. You only get one shot at a Great career. I took advantage of it. Obviously you missed the boat.

I'm amazed to read all of this garbage being said about such a wonderful company. This company makes dreams come true. Customers have benefited across the nation because of the hard work and dedication that local agents have promised. Show me a product or service that has made 100% of it's customers happy ........ it does not exist. While working with UA for nearly 9 years I've heard a handfull of complaints compared to thousands of praises. Whether you decide to believe me or not ...... that is your decision. If you are one of the few complaining out of the hundreds of thousands of customers serviced by UA .... I ask you, when you received your policy .... Did you read it ..... Did you bring up your concerns to your agent ...... did you decide to keep the policy ..... of course not. Let me guess - your saying to yourself, "who reads their policies". I do .. I even did it before I knew anything about insurance. When I invest thousands of dollars in protection for myself & my family ... I know what I'm getting through asking questions and reading the answers. I'm willing to bet when you sat down with your agent ..... you were more concerned about the price you were paying than the coverage you were sacrificing (for your family) to save a buck. NOT A SMART MOVE & YOU'RE PAYING FOR IT NOW --- I BET YOU WISH YOU SPENT A FEW MORE DOLLARS FOR MORE COVERAGE!!!!!! Back on point ..... sorry. If you do the right thing - good things happen! Chris (UA & Proud of it) Tampa

I think the context of even the responses in this show that United American is a company that should be avoided at all costs. I too have received countless emails from this company over the past couple years. In fact I received one today. I do have one huge problem with all of this though. Apparently, Torchmark has had a hard time keeping sales people and have had a really bad time with this. Their internet methods of hiring new sales people are clearly an attempt to fix this. What I can tell you though from my experience in marketing and advertising is that a great sales person cannot be created. They either have it or they don't. Everyone thinks they would be great at sales and it is easy to see how much money can be made working just off of commission. The truth however is that most people find they can't afford to work that way. Because they lack everything that makes a great sales person. Furthermore, it is highly questionable that a company would seek out random people on the internet to do sales for them. Think about it. It would be the same thing as picking numbers out of the phonebook. My resume clearly says I am not a sales guy, yet I still get these emails on a daily basis. More than likely they are probably figuring that since they are paying only commission, there is no real cost to hiring new sales people. If they can't make a sale no money lost. While the two comments on here would lead you to believe that the company is spending time and money on you they really aren't. I mean the hiring aspect for the internet is a company division. It has a purpose and people are paid to run it. If that didn't create income for the corporation vs. cost then it would be shut down. So their blatant misinformation about bringing people in off the street and putting money and time into them is moot. The idea is probably that they just want to snag as many people as they can for sales and if they only make one sale and quit well they (the corporation) are making decent money considering they didn't have to pay a salary. History can tell us what great opportunities can do for us. When they found Gold out west tons and tons and tons of people were willing to sacrifice their lives to get to it. For such a great opportunity as this, that is done on a National level, I have yet to meet one person who was a professional sales person for any of their subsidiaries. Why is that? The last problem I have was brought up by Blair. Inside of all of his arrogance and self-importance you'll see that he says that this company brings people in off the streets and is willing to put time and money into them. What bugs me is this: If this is such a great opportunity and it is being done in such a grateful way then why doesn't Torchmark just spend the $50 for the license and the $65 for the exam? I mean it is only $110 bucks! Think about it people like I said this is a division of the company and it is cost effective. When YOU pay for your own costs and you DO NOT earn a salary or any type of guaranteed wages what has the company lost? If 3,000 people sign up nationally just tomorrow and each makes one sale and quits how much as Torchmark made? It is unethical and you should seek jobs elsewhere. Don't be mislead into something that will set you back further than you are at this moment.

You don't have to buy a laptop to work for Aflac. You can borrow someone else's, use paper applications, or once you get $25,000 AP they will give you one and they take $3 out of each policy you write until you pay for it. Just saying. (United American mis informant)

Attn: Alex and Blair.... and you especially Blair; and Alex brought up some good points, but in the wrong way Putting people down like that and making broad generalization in any given area ain't right. I've worked with company's that are required to have certifications and licenses (Federal, State, and Foreign) The standard for most of them (I haven't worked insurance, so I can't comment on it) was the certs needed to start in the company were provided by the company, and as you grow in the company the choices you make decides if you need to pay for the courses you want or need. Even though it varied from company to company, most were decided on if it was job critical the company paid for it or you paid a percentage of the cost. If it wasn't critical or needed, then you paid for the full cost. I currently have 52 certifications and licenses, about 1/4 were paid in full by my company. 9 were paid for in part, the rest I paid for in full, but was reimbursed for many due to my job requirements changing or promotions. And I was sent an email by your company becouse I posted my resume on some job sites. I found this place due to looking up United American Insurance Company on google and this site was one of the first ones listed. If the accusations are real, then shame on you. If they're not, then go about proving it in a better way. As for me, I'm going to check into it more, may the best propaganda win. Insurance ain't for me due to how hot-tempered I am, but if it was a genuine offer, I appreciate it. And if not, just be thankful I didn't go for it. Now I'm going back to the nets and see what I can see, and my resume stays up on the career sites to see if a good job in my chosen field opens up.

Attn: Alex and Blair.... and you especially Blair; and Alex brought up some good points, but in the wrong way Putting people down like that and making broad generalization in any given area ain't right. I've worked with company's that are required to have certifications and licenses (Federal, State, and Foreign) The standard for most of them (I haven't worked insurance, so I can't comment on it) was the certs needed to start in the company were provided by the company, and as you grow in the company the choices you make decides if you need to pay for the courses you want or need. Even though it varied from company to company, most were decided on if it was job critical the company paid for it or you paid a percentage of the cost. If it wasn't critical or needed, then you paid for the full cost. I currently have 52 certifications and licenses, about 1/4 were paid in full by my company. 9 were paid for in part, the rest I paid for in full, but was reimbursed for many due to my job requirements changing or promotions. And I was sent an email by your company becouse I posted my resume on some job sites. I found this place due to looking up United American Insurance Company on google and this site was one of the first ones listed. If the accusations are real, then shame on you. If they're not, then go about proving it in a better way. As for me, I'm going to check into it more, may the best propaganda win. Insurance ain't for me due to how hot-tempered I am, but if it was a genuine offer, I appreciate it. And if not, just be thankful I didn't go for it. Now I'm going back to the nets and see what I can see, and my resume stays up on the career sites to see if a good job in my chosen field opens up.

Attn: Alex and Blair.... and you especially Blair; and Alex brought up some good points, but in the wrong way Putting people down like that and making broad generalization in any given area ain't right. I've worked with company's that are required to have certifications and licenses (Federal, State, and Foreign) The standard for most of them (I haven't worked insurance, so I can't comment on it) was the certs needed to start in the company were provided by the company, and as you grow in the company the choices you make decides if you need to pay for the courses you want or need. Even though it varied from company to company, most were decided on if it was job critical the company paid for it or you paid a percentage of the cost. If it wasn't critical or needed, then you paid for the full cost. I currently have 52 certifications and licenses, about 1/4 were paid in full by my company. 9 were paid for in part, the rest I paid for in full, but was reimbursed for many due to my job requirements changing or promotions. And I was sent an email by your company becouse I posted my resume on some job sites. I found this place due to looking up United American Insurance Company on google and this site was one of the first ones listed. If the accusations are real, then shame on you. If they're not, then go about proving it in a better way. As for me, I'm going to check into it more, may the best propaganda win. Insurance ain't for me due to how hot-tempered I am, but if it was a genuine offer, I appreciate it. And if not, just be thankful I didn't go for it. Now I'm going back to the nets and see what I can see, and my resume stays up on the career sites to see if a good job in my chosen field opens up.

Attn: Alex and Blair.... and you especially Blair; and Alex brought up some good points, but in the wrong way Putting people down like that and making broad generalization in any given area ain't right. I've worked with company's that are required to have certifications and licenses (Federal, State, and Foreign) The standard for most of them (I haven't worked insurance, so I can't comment on it) was the certs needed to start in the company were provided by the company, and as you grow in the company the choices you make decides if you need to pay for the courses you want or need. Even though it varied from company to company, most were decided on if it was job critical the company paid for it or you paid a percentage of the cost. If it wasn't critical or needed, then you paid for the full cost. I currently have 52 certifications and licenses, about 1/4 were paid in full by my company. 9 were paid for in part, the rest I paid for in full, but was reimbursed for many due to my job requirements changing or promotions. And I was sent an email by your company becouse I posted my resume on some job sites. I found this place due to looking up United American Insurance Company on google and this site was one of the first ones listed. If the accusations are real, then shame on you. If they're not, then go about proving it in a better way. As for me, I'm going to check into it more, may the best propaganda win. Insurance ain't for me due to how hot-tempered I am, but if it was a genuine offer, I appreciate it. And if not, just be thankful I didn't go for it. Now I'm going back to the nets and see what I can see, and my resume stays up on the career sites to see if a good job in my chosen field opens up.

I never heard of United American Insurance company before this posting. I simply went to a search engine and entered the company name. A lot of entries showed up. Some were telling what a great company this is, and how they make money hand over fist. Anyone who isn't making money is simply lazy! Then there are comments from people who worked there and others who had been contacted many times to work there even when they said they were not interested in any insurance work. The comments 'for the company' had this feel they had been written from a script. The comments 'against the company' had that ring of truth.

United American Insurance, Addison Division, is seeking individuals to enter our Management Training Program. Individuals must exhibit a strong work ethic and Have a desire to advance in a corporate sales environment. Individuals must have strong leadership qualities and high standards of ethics and integrity. Persons with the skills mentioned above can expect earnings over $100,000 during their first year in the Management Training Program. Once promoted to Unit Manager, qualified persons can expect to earn $150,000-$500,000 per year. Promotions typically happen after 6 months; however two managers are needed by mid-summer. Included in position: Incentive trips Bonuses Daily pay Quarterly corporate training Ongoing local training Retirement program Company Sponsored Lead Program Serious inquiries only Interviews will be conducted at Addison Division. Please call at to secure a time. Do not reply to this e-mail. Business attire please. Branch location is: 14679 Midway Rd, Suite 216 Addison, TX 75001 Regional Branch Manager Addison, TX Ph: Branch # F2 . Here is one of the many emails I've got from the company. I have yet to unsubscribe because I think its funny. Also to the WFG fella, SOUNDS LIKE SOMEBODY'S A LITTLE BITTER BECAUSE THEY COULDNT PASS THEIR SERIES 7 TEST. Anyways, real simple, I'll sum it up in one word... SCAM. Anytime an employer sends you that many emails about a position, RED FLAG! It sucks trying to weed through the bs to find legitimate work. Lots of predators out there, ready to pounce on you.

Here is a little information about who I am: I graduated high school just fine and I have all my teeth. I am a full time student at UT Dallas. I am a fully licensed agent who is currently employed by United American Insurance Company. I came to UA from a company called World Financial Group. I get NOTHING for writing this rebutal, and not only that, but my production is very low for this month so I may get fired sometime soon. Here is something I keep noticing: none of the people crying about how "omg everybody is trying to scam me!!" have an actual job they are satisfied with... or a job at all in some cases. You people who keep whining about having to pay for a license test. Here is the fact behind that: In the state of Texas you have to have a General Lines Health, Life, and Accident license in order to sell health, life, or accident insurance (wow, what a concept, huh?). Only government certified companies that specialize in license tests can issue your test to you at one of their facilities. What does that mean? Simple, no insurance company makes money on scheduling your license test for you. All the money goes to the testing company. Don't believe me? Do your own homework and schedule your own test, and pay for it directly instead of through a 3rd-party company that is trying to offer you a job. What else did they try to get you to pay for? Did you have to pay for marketing materials? What about training sessions? How about leads? What about for them setting your appointments for you? Maybe they made you buy a $5,000 proprietary laptop/software package (Aflac)? Are you sure you even made it to the appointment? I know that there are some bad managers and some bad agents out there. Here's a news scoop: they get fired, just like with any other job. I don't know what some of you whiners do for a living, but I have had more than my share of bad service at any job you people could have had. So perhaps that means you are all trying to scam me also? OMG! I'm now going to have to file a scam or fraud report about all of your companies now! I'm exagerating of course, but my point is that some of you people need to learn the definition of the word "scam" and maybe get a life... or a job, since the only reason you got called was because you had a resume posted on the internet. Simply waaaaay too much free time to be posting all these scam reports. Is this a "sales job"? Yes, it is. You don't sell, you don't eat. Simple. Here is how it compares to another company that I'm sure most of you lazy-asses think is a scam also: World Financial Group - You need to have an insurance license, but also a Series 6 and 7 license to sell ALL the products (the last 2 tests are 3x harder than the basic insurance license and cost about $400 A PIECE, PLUS an $80 a month state-mandatory maintenance fee). - Pay to JOIN the company - Pay monthly policy liability insurance - Pay for marketing materials (brochures, business cards, etc) - Go to constant "RAW RAW" meetings - 90% focus on recruiting - You are responsible for your training, your work, and your support - Managers will go on appointments with you ONLY if you give them a 50% split (not counting their management commissions), and they will try to sell YOUR clients products you are not licensed to get commisions on - You can't get fired, but they will keep charging you monthly fees for your liability coverage - Flat commision structure (higher pay per deal) - Higher commision at each level of promotion - You are a broker. - Prize packages for top producers United American Insurance Company - You need to have a license. - You get trained first. - You get paid for going on training appointments that the managers set (either a 50% split or you get 100%, depending on the manager) - You get all the marketing/training/informational materials you want. - You are constantly updated about the products and sales techniques. - You are part of a team. - Your progress is heavily monitored. - You must produce or you get your contract terminated. - You get a lead allowance (those things are expensive). - You can win things for being a top producer (nothing like WFG, but still). - You can only sell things offered directly by the company (not a broker). So is United American Insurance Company a SCAM? No. Is it a "sales job"? Yes. Do you get a manager to schedule all your training appointemts to get you at your first $13K in production (about $2K in commissions)? Yes. Are there a lot of "scam" reports about this company? No. Hundreds of thousands of satisfied clients (especially in the Medicare supplement market) and around 60 reports? Not all the reports are garbage, like the agents that mislead their clients into thinking they were getting major medical when they were not, but a lot of the ones where "I came to this interview" or "I heard from somebody" or "I read another report" do not count as reports. Are you reporting on a report of a report? What a joke. Some of you need to get your head examined. I am being harsh here on purpose, simply because this country is just filled with people that think they are just soooooo special that everybody is out to get them. Well, you are not that special, and I'm a very glad none of you dumb-asses work with me. Have fun working your "non-sales" job. Consider yourself lucky if you broke the $100K cap. I promise you the sales people of your company (which are usually the owners) are making way more than you will ever make in your life time. Now I see why other countries make fun of our education system. We keep getting opinionated jokers voicing their "thoughts" without an even basic understanding of economics or how businesses make their money. Here is my proposal: I will pay $5.15 an hour to any of you that don't won't to work in "sales." All you have to do is hand out flyiers, hand out my business cards, answer my phones, look at promising leads, call the leads to see if they are interested, and then have me call and "sell" the people that are the most interested. I'm sure I missed a point here or there, but I got so tired of seeing all these mindless "scam" reports that I thought I'ld go ahead and post something. Not everything I wrote is simply a rebutal to the particular person I am rebuting to, but rather all of these false accusations I see flying around. It is sickening. Some of you need to go crack a dictionary now and then to understand the meaning of the words you use.

dear manager in maryland, highly rated, respectable company??? have you looked at the missouri department of insurance consumer complaint index??? WOW what a complaint record you have, respectable? hummm. and my company will do the what you mentioned, take ya off the street, train you etc etc blah blah blah. and in fact does a lot better job of traing.

I am a manager within this office, and have encountered people like you that come in all the time. We have no association with American Express or United Medical(?), you obviously were not listening correctly or were half-asleep when someone contacted you. We also are not trying to sell you a job, we offer a great opportunity for someone looking for employment at a highly rated respectable company. Next time you go to an interview it would be a good idea if you do some research or asked questions before hand, that way you actually had a clue as to what you were there for. You seem like everyone else in baltimore's workforce, who are too lazy or naive to want to work hard and make a good living. As far as the payment for employment....the state of maryland requires that you have a license to sell insurance. We do not collect any money from you, we help you schedule classroom training sessions with a separate instructional company and you pay them for their services. You also must pay the state of maryland for your license. We have nothing to do with this process other than to assist you with questions and problems, and to help you pass the test so you can begin working with our company. Tell me of another company with our prestige that is willing to bring someone off the street with no experience and take the time and money to train them and offer them a long lasting, propserous career.

I am a manager within this office, and have encountered people like you that come in all the time. We have no association with American Express or United Medical(?), you obviously were not listening correctly or were half-asleep when someone contacted you. We also are not trying to sell you a job, we offer a great opportunity for someone looking for employment at a highly rated respectable company. Next time you go to an interview it would be a good idea if you do some research or asked questions before hand, that way you actually had a clue as to what you were there for. You seem like everyone else in baltimore's workforce, who are too lazy or naive to want to work hard and make a good living. As far as the payment for employment....the state of maryland requires that you have a license to sell insurance. We do not collect any money from you, we help you schedule classroom training sessions with a separate instructional company and you pay them for their services. You also must pay the state of maryland for your license. We have nothing to do with this process other than to assist you with questions and problems, and to help you pass the test so you can begin working with our company. Tell me of another company with our prestige that is willing to bring someone off the street with no experience and take the time and money to train them and offer them a long lasting, propserous career.

I am a manager within this office, and have encountered people like you that come in all the time. We have no association with American Express or United Medical(?), you obviously were not listening correctly or were half-asleep when someone contacted you. We also are not trying to sell you a job, we offer a great opportunity for someone looking for employment at a highly rated respectable company. Next time you go to an interview it would be a good idea if you do some research or asked questions before hand, that way you actually had a clue as to what you were there for. You seem like everyone else in baltimore's workforce, who are too lazy or naive to want to work hard and make a good living. As far as the payment for employment....the state of maryland requires that you have a license to sell insurance. We do not collect any money from you, we help you schedule classroom training sessions with a separate instructional company and you pay them for their services. You also must pay the state of maryland for your license. We have nothing to do with this process other than to assist you with questions and problems, and to help you pass the test so you can begin working with our company. Tell me of another company with our prestige that is willing to bring someone off the street with no experience and take the time and money to train them and offer them a long lasting, propserous career.

I am a manager within this office, and have encountered people like you that come in all the time. We have no association with American Express or United Medical(?), you obviously were not listening correctly or were half-asleep when someone contacted you. We also are not trying to sell you a job, we offer a great opportunity for someone looking for employment at a highly rated respectable company. Next time you go to an interview it would be a good idea if you do some research or asked questions before hand, that way you actually had a clue as to what you were there for. You seem like everyone else in baltimore's workforce, who are too lazy or naive to want to work hard and make a good living. As far as the payment for employment....the state of maryland requires that you have a license to sell insurance. We do not collect any money from you, we help you schedule classroom training sessions with a separate instructional company and you pay them for their services. You also must pay the state of maryland for your license. We have nothing to do with this process other than to assist you with questions and problems, and to help you pass the test so you can begin working with our company. Tell me of another company with our prestige that is willing to bring someone off the street with no experience and take the time and money to train them and offer them a long lasting, propserous career.