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American Income Life Insurance (AIL) Complaints - The real truth about AIL

Review all American Income Life Insurance (AIL) complaints

American Income Life Insurance (AIL)

Posted: 2009-04-29 by   Mike B from CA
The real truth about AIL
Complaint Rating:  0 % with 1 votes
Company information:
California
United States
AILife.com

Whether you can or can't, YOU'RE RIGHT!!! First of all, you don't have to take my word for it. AM Best (www.AMbest.com) has ranked AIL with an A+ rating. That's the highest rating you can get for an insurance company that has been around 50+ years. Also yahoo jobs ranked us #37 in the top 100 places to work in 2009. (http://hotjobs.yahoo.com/HotJobs100/index.html) Working at AIL is like having your own business. You are a contract self employed individual. If I owned a starbucks franchise, I would work it knowing that my results are a reflection of my effort. It is a turnkey system that I have to follow in order for my business to be successful. So if I'm not there at 6AM and a customer wants to buy coffee, then that's my loss. Now if I don't want to be there at 6AM, then I have to hire more help.

Statistically, 5 out of 10 businesses fail in the first year. Out of the 5 that make it, 4 of the 5 will fail in 5 years. Most people focus on the failure rate (they think about getting up at 6AM and don't do it). But a FEW people focus on the on success. Ask any successful business owner. There are some key similarities. They went into business knowing the odds, but still pulled through because they believed in their product or service, and they believed in themselves.

If you want an hourly or salary job, apply somewhere else. If you believe in coffee, then open a Starbucks. If you believe in Life Insurance and helping your community, THEN WORK AT AIL. There is only one guarantee in life. We will all pass away. With that said, there are 2 questions you need to ask yourself... (1)How could a product that insures your life be bad for your family? (2)How could a company that promotes no cost products like food banks, child safe kits, and health service discount programs be good for your community?

Sure there are more competitively priced products out there, but aren't there always? Isn't there cheaper coffee out there? Sure there is! But people continue to pay $4 for a cup of coffee because they are paying for MORE than coffee. They are paying for an EXPERIENCE.

Your career at AIL is determined by the EXPERIENCE you give to your customers. If you are passionate about your product, committed to your customers' well being, present yourself in a professional manner, and do the RIGHT thing EVERYTIME, you will be successful!
Comments United States Job & Career
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 177 days ago by   MJD -1 Votes
To Mike B from Ca

WTF Mike? Did you post your entire comment from a script also or do you have any kind of original thought of your own you wanted to bring to the discussion.? "Whether you can or can't, YOU'RE RIGHT!!!...ranked AIL with an A+ rating...yahoo jobs ranked us #37 in the top 100 places to work in 2009...etc." All of you AIL guys all say the same crap over and over again. Oh, wait, excuse me, you're in an Altig agency aren't you? That would explain why you have to have your life in every facet, such as your post, scripted to a "T." Well now I kind of feel sorry for you. It's not your fault you can't think for yourself and try to defend the terrible agency you work for. You've been so brainwashed you can't see the difference. Here, let me help you:

"Whether you can or can't, YOU'RE RIGHT." ----They were saying the same bullshit 6 years ago when I was there. In fact are they still making you guys read John Maxwell? Probably huh?

"AM Best (www.AMbest.com) has ranked AIL with an A+ rating. That's the highest rating you can get for an insurance company that has been around 50+ years."----Ummm...no. AIL does not have the highest rating that AM Best gives. Regardless, the only thing that AM Best rates is how quickly/efficiently an insurance company pays out its claims. You're basically telling us that your shitty company pays its claims out quickly to the few policy holders that actually have a policy with them. I always found it funny that they make you focus on this one "rating" agency as opposed to the other ones that matter. For example, Standard's and Poor's just DOWNGRADED AIL again because, and get this, poor agent retention and questionable business practices. I for one would be more interested in that rating as a consumer than how quickly my crappy policy pays out. But I think we can agree that this is why they only tell you about AM Best.

"Also yahoo jobs ranked us #37 in the top 100 places to work in 2009."----This is in complete response to all the lies they've been telling everyone that Torchmark is a Fortune 500 company. Since Torchmark isn't and people have been finding out that they aren't and haven't been, then your superiors had to come up with some other form of propaganda to tell prospective hires. The funny part here is that AIL has a high rating w/Yahoo for two reasons only. First, they paid to be there. Second, the website ranks those companies that send out the most ads for employment. The more postings, the higher you ascend on the list. So AIL's innate ability to flood our inbox with spam is really the only reason that you guys are on that list. Absolutely nothing at all to do with the quality of the work environment. However, at least its not a full on lie like the Torchmark thing was. Wouldn't you agree? Wait, don't respond right away as I know you have to check with your superiors before making a decision on your own.

And if you would like to get together and talk, we can meet over coffee as it sure looks like you really like coffee. Probably in a couple months you should be free as statistically in 6 months you won't be there anyway. But you already knew that though huh?

All the best
 151 days ago by   BillTheCat -1 Votes
Somebody called me today (even though I'm on the no-call list) and gave me a company phone number that has a cell phone prefix.

They said "based on your experience".. "we have your resume..." and more that says 1. they are unethical. 2. They violated the law 3. They violated some resource to access my information.

Now why would anybody want to do business with this company? I certainly wouldn't want to be associated with them!

Their motto seems to be Lie, Cheat and Steal!
 105 days ago by   Dg09 +1 Votes
I found them on S&P's 500, is that different than fortune 500? There's a big article about them in Wikipedia, lots of history there and I checked A.M. Best and they are rated A+ (superior) as June 11, 2009. They have a negetive outlook, due to current econmic conditions. Seems like there are some people out there that need to do some research before they go off at the mouth.
And by the way, if you have a resume out there on a job board, you will probably have people contact you about a job! Wow, who'd have thought!!! Anyway if you don't want spam, don't use the internet!!! Just delete it. It'll be okay. I got an e-mail just today, I put my resume on several job boards, I'm sure that how they get your NOT so personal info and it's a scripted e-mail. I am here now because I am researching this company. You shouldn't blame someone for something without finding out the facts. That is where America has gone wrong. Always drama somewhere! Blaming everyone else but those who are involed! DonnaG.
 65 days ago by   Steven Dossett 0 Votes
Donna,

Did you just seriously ask if the "S&P 500" is different from the "Fortune 500?" They are two completely different things, which is probably why they go by different names. And what's wrong with America is that everyone, such as yourself, takes what they find in Wikipedia word for word.

That being said, AIL is a terrible place to work for depsite what AM Best or Wikipedia says.
 37 days ago by   fail1 0 Votes
I'm betting that Donna can't even count to 500.
 12 days ago by   DeAngela R. Osborne 0 Votes
I have read through blogs and blogs and blogs from people that thought that they were misled into an interview that was going to be a "real job". I personally thought so myself when they contacted me out of Goodlettesville TN. However I knew that when I left that building that first day that it was a commission only position but I was intrigued by the benefit package itself as well as the lead process. I researched the company itself as a company and was further impressed. I moved forward with obtaining my insurance license which does nothing but further my career opportunities, so what that they didn't pay for it, it's mine, I own it and can use it anyway I choose whether it be with AIL or somebody else. I was approached one afternoon in a Super Cuts right after my test and right after my first visit with AIL by a gentleman that overheard me telling the girl that I just got my license. He worked for New York Life as an agent. He very, very much so wanted to give his manager my number and I got a call from a man named Shayne 2 days later for an interview. I would guess that the guy that approached me may get some type of "recruiting" something off of me, I don't know, but I assumed he would. Why else would he have approached a total stranger in a Super Cuts in the aggressive manner in which he did going on and on and on about NYL. I went and interviewed with NYL and determined it was not for me. I had no desire to cater or sell to persons that are already filthy rich, they don't really need me. As I a sat across from the 30 year old "partner" in all of his incredible arrogance in his high dollar suit and gold cuff links, I did not like the guy. I thought he was a jerk. But it would take a jerk like that to cater to a filthy rich business owner looking to "hide" some money. He let me know that they pay high dollar for their leads and that when I "cold call" these people I would know everything about them. How much income, what they paid for their home, DOB, etc. He then informed me that to be considered "full time" I had 45 days to sell 6 policies. I found that to be just plain tacky. He then lead me to a computer in a tiny little cubicle in the very very back of the mass fancy building by an exit door and told me to take my little "hamster test" online and when I was finished I could exit out of the building "here" as he pointed to the door under the exit sign. I was thinking, seriously? This is just plain tacky. He was a smooth talking, overly aggressive twerp and although I am quite certain that he would have hired me I emailed him and copied in the original guy with an incredibly appreciative email extending my gratitude for his time, etc that any normal human being would have sent a response back to. I got nothing. Because I am incredibly green in the insurance world, I want to know about the package itself, not the employment opportunities or lack thereof that people may feel. I have been able to pull up both positive and negative. Personally comparing this package to policies that I have been sold over the years I find it to be well worth the dollars paid. Again though, I am as green as it gets in this new conquest of mine. Somebody please prove me wrong. I have seen some people saying that AIL has an F rating through the BBB so I looked here

http://www.bbb.org/central-texas/business-reviews/insurance-companies/american-income-life-insurance-company-in-waco-tx-35384

I see A+. Somebody please guide me to this F. I have wanted to back out due to some of these blogs but will stay in just because I am finding very positive things about the company as well after digging deeper. At the end of the day is the package presented to these families horrible, that is what I truly want to know. I can't find anything saying that it is. I was looking for a job after walking out of a job after a horrifying merge. I tried to start my own company within the same industry and was immediately sued because of a non-compete. It is only good for a year and I will move forward with that. In that industry I was the person responsible for bringing in benefits for my employees and find this package that AIL is selling to be far superior to things that were being offered by others such as AFLAC etc. Somebody please prove me wrong on this, that is what I am asking. I am not afraid of hard work and sales if I truly believe in what I am selling. Furthermore I will generate my own leads if I am truly passionate about the product.
So, please, for the love of Pete, somebody help me out and show me that the product sucks because for the life of me I can't find anything stating such. I have found a great deal of negative feedback from ex employees on the discount card so I decided to call around in my area. I went to http://www.findbestbenefits.com/
and entered promo code 849004 and did a search of pharmacies that take the card. 11 showed up in my area so I called and all of them acknowledged that they do in fact honor the card. I fail to see the negative here. I have several friends and family members who are self-employed and would find any savings on prescriptions to be of value. I myself plan to be self employed no matter what I choose to do and would find the discounts to be of value, self-employed folks don't normally have access to affordable programs of any kind. I saw one guy bashing the child safe kits saying the information can be put down on notebook paper. In hindsight, that's brilliant. But most don't. This is a vital reminder to them that they should as well as an opportunity to do so, so what's the harm? As well as the family info guide. Most don't have this info handy so it seems to be a vital reminder as well and an opportunity to do so so again, so again, whats the harm? And at the end of the day I'll take a free $2000.00 AD&D policy so again, what's the harm? The way that I see it is that people don't want to think of death and most go their entire lives without even getting a policy of any kind and reality is that the burden is left on somebody else. Nobody wants to discuss it but it is all too real. This is presented in a way that people can go, "huh, you know honey, we don't have anything". To me it's bullshit to put the burden of your death on others and everybody should have protection in place. What do you care when your dead that your family, be it your mother or father, siblings, whomever, had to take a second mortgage to bury your ass and take care of your personal affairs and children and/or spouse that you left behind, YOUR DEAD. So again, somebody please show me where what AIL is offering to people is bad. And as far as the argument of just tucking the money away yourself, again, hindsight. Not to mention that if you tuck 30 bucks away in 2 weeks and are killed in an accident on that second week you've socked away a whopping 30 bucks to take care of your affairs.

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