American Income Life Insurance
reviews and complaints

So no on had the experience of hating and actually going to the interview to see what its about? They are an insurance company so you need a license to bind life insurance so the they will pay for your license this is very normal with joining any insurance company. Life insurance is the dreggs though you are probably only selling to people who can't afford to die and leave relatives with nothing. I will give it a whirl

My issue with American Income Life Insurance is that their main website does not talk about the different types of products and coverage that they provide. Instead you see testimonials from employees (agents), convention highlights and other activities. Also, I have been contacted six or seven times by its agents and the all repeat the same verbiage as described above. So how is the marketing done? Is the company depending on you only selling to your friends and family? All of these are red flags and the few people that claim to be employees are so busy being hostile and confrontational instead of talking about market share, satisfaction levels, price comparisons and other economic indicators instead of being petty and insulting. Business people do not respond that way, even if the complaints are valid, they respond with media campaign's, overhauls or just plain efficiency and quality of service.

OMG! I am SO grateful that ?I researched this so called reputable company.. My interview WAS scheduled for tomorrow morning at 10 a.m. Needless to say I WILL NOT be there at all! I just e mailed the so called HR Resource team and complained of my disappointment to find the research results on them! And it WAS extremely professionally written...as I also have over 30 years of corporate experience as an Exec. Admin. Assistant! Here I am wanting to work for a reputable company...I AM extremely Reputable and they ARE NOT?! Are u kidding me?! I would NEVER render my excellent qualified skills to such a scandalous company! NO WAY! Once a company or people try to INSULT MY INTELLIGENCE and my skills...That DOES NOT settle with me WELL AT ALL! Again...glad I did my homework b4 walking through that door and wasting MY precious TIME! Some fabulous reputable employer is going to grab ME and NOT let me go! Believe that! I will be their serious BLESSING! I have experienced former bosses crying and begging me to stay okay?! That IS a serious compliment to my skills, experience, personality and work ethics! Wow...

Thanks so much for letting me know you all. I was contacted yesterday to come in for an interview this coming Thursday by a man named Jason. He talked very fast, gave me all of the details of the interview VERY quickly, and when I asked about the company, what it was, what kind of customer service position it was he snidely told me that I would find out during the interview and if I have any questions, write them down and bring them with me? I am a 25 year old woman, I'm not a first grader who needs to be hushed up. Usually when I have questions about a job position, most employers are ready and willing to answer all my questions about the position, no matter how briefly so I found this pretty unusual. Upon conducting my own research, I founf this forum and many others. So glad I cancelled, screw this!

ScottEdwards- I'm not exactly sure what point you were trying to get acrossed. But you said it correct, everyone does have a different experience. Just because what i say is positive that doesn't make it a fact that another person will have a positive outcome. But on the same token, just because someone says it as a negative doesn't mean that another one will have a negeative result.

I am not sure weither or not that this company is liget but from the way that Michael is talking it does make the company sound good. One thing that I have found though out this discussion is that the employees of the company (if they are) I can not be sure if they are acctual emplyees or just someone who wants to stick up for the company. Everyone that has posted something on this board has had somesort of interaction with the comapny other by phone calls to have an interview or 'work for the company". Like a famous charactor once said life is like a box of chocolates you never know what you are going to get.
The reason I wanted to look into this comapny is because they sent me an email basiclly asking fo rme to call them to set up an interview. While I am maybe going to do a little more research on the company I am not going to call them right away. I want to find out more information on the company and maybe then I will call. As far as I can tell everyone that has posted something on this board has had somesort of comunication with the campany each one has had a different experiance. This is why it is always better to learn about a company before jumping to conclusions. All though it sounds like I am sticking up for the company I am not. Because I have had several e-mails from them they are prestiant.

Oh it was jeff olson! (I googled it heh)

JLP- I think in your case it was a severe case of the HR person not being informed. If her English wasn't that great to begin with I would say it's safe to assume that even IF she did know what to say she could not formulate a coherent or understandable response to your questions.

In response to Venom341 - I also work for AIL, But not in Logans' Mgaship or even SGAship. I am in the Asheville (Swannanoa) office for Altig SGAship In which I am one of the Regional Managers there. Good for you! and good luck in your future as well!

To Vincent Y - You might want to do a LITTLE research before you talk about what you hear from other people because you were incorrect on all accounts. A lot of people have the same complaint that they were asked to bring a fresh copy of their resume and to dress appropriately, which i'm not entirely sure why, though you may have known to dress appropriately, how many interview have you gone to [American income or any other company or job included] have you gone in to where you were sitting next to someone who smelled weird or a girl who was showing a little bit too much or a guy who's pants are sagging just a little bit too much? I'm sure that EVERYONE has gone into an interview and said that, and what most companies will do when you first come in if you are dressed inappropriately they will automatically put you at the bottom of the stack because of your first impressions. As far as resume, there are several managers there and firstly, i'm not going to print out ever persons resume that i invite to an interview and secondly I may not be interviewing them specifically it can be another manager. And if it is, he/she needs that information.

But to answer your other statements on BBB http://www.bbb.org/denver/business-reviews/insurance-companies/american-income-life-insurance-in-denver-co-26952 (specify whatever state you want)
their claim paying ratio is actually one of the highest in the insurance industry. now they may not be paying out 4 million or even 20 million dollar claims [because they will usually not even underwrite these] they do pay out their legitimate claims. They also pay out claims for policies that have yet been approved by underwriting (i know this as a fact because a person i enrolled used their cancer benefit before underwriting was done and their life policy was also approved.) So yes, to answer your question. It is a company to be proud of.

KarenE. - It seems that you just had a very unprofessional encounter. Though to him Sunday may just be another day, but for a lot of people Sunday is a no business calls day and the Sabbath day especially if you are in the south. Though I can almost guarantee that the voicemail that you got on Grover B's phone was definately his voice. Considering, it is his phone. I'm sure your voicemail is your voice as well. but if you were referring to the office number, then you didn't have the office number (you may be able to tell by the structure of the phone number) but more importantly those voice mails (at least in the 3 offices i've had the opportunity of being in and working out of) were set up by our home office in Waco or sometimes Redmond Home office (since the phone lines are all paid for by them).

Razgriz- There are people who do talk very much like that. Maybe no one that you know, and definitely not in any 'normal' conversation. These people are "legitimate business people" Zig Ziglar, Martin Luther King, John F Kennedy, Sir Winston Churchill, President Barack Obama, Benazir Bhutto, Daniel O Connell, Enoch Powell, Malcom X, Mahatma Gandhi, Nelson Mandela, Mark Twain, J K Galbraith, Patrick Henry, Robert Menzies, Nehru, Queen Elizabeth (I), Stokely Carmichael, Anita roddick (roaddick? i'm not sure which), Tony Blair, Tony Robbins, Adolf Hitler, Robin Williams, Susan B. Anthony. Just to name a few...

Now OBVIOUSLY they all didn't sell life insurance, or in most cases anything Tangible. But they did sell slogans, one liners, comedy, inspiration, leadership, motivation, dedication, peace, war, and sometimes common sense. They all qualify as business people, even if all of them didn't and do not sell a product or run their own company. "I have a dream..." "One-fifth of the people are against everything all the time." "A person who won't read has no advantage over a person who can't read." "Often the smallest, softest voice carries the grand, biggest solutions"

Oh and just on a side note, just because i stated their names does not mean i endorse, like, dislike, read, listen, or preach what they are speaking or saying. They were all merely examples. So I do not need anyone coming and saying that I am a Hitler lover because i put his name on here. I was merely stating that Adolf was a businessman / leader / inspiration speaker in his own respect and MLK saying "I have a dream" or AJ Gilbert saying "opportunity unlimited".

And for a quote that obviously is not mine but is fitting (and at this second in time i cannot remember who it is)
"Successful people do what unsuccessful people are not willing to do, and that often means living outside one's comfort zone"

mjd101010, I see your name on almost every AIL thread. You must work for the competition because all you have is garbage, lies and insults, nothing real. I worked for the company for quite a while and left on good very terms. You have NO IDEA what you are blabbing about (another reason why you don't post your real name).

I just got an email from "Jim Logan" also. Like most everyone else in this thread, I found it suspicious (I'm about to graduate from law school, and neither the email nor the various AIL websites said anything about a legal department), and so I looked around. And like the rest of you, I'm glad I did.

The two defenders of this company who have posted their comments only confirm that there's something very wrong with AIL. I almost fell out of my chair laughing at the above supposed employee's "OPPORTUNITY UNLIMITED... " Legitimate business people don't write or speak that way.

Well I think you all saved me some time. No sense going to the interview just to be jerked around. I can waste my time in more productive ways. It does seem like all the companies that Warren Buffett owns feel like they have to stroke his ego during their interview process. What is the big deal you are owned by Warren Buffett? Did he actually sell your product? No, and the last time I checked he still took a crap the same way as the rest of us.

I recently interviewed with American Income Life, and I will be the first to say my experience with them is sketchy. First off, I was recently let go from a AAA rated Life Insurance firm, Northwestern Mutual. I did well with them, but after a year, my numbers and clients were not in line with what they want their network office... which the Omaha Office is a top 5 Nationally known office. The fact that 2 of the 3 people who interviewed me from AIL were not sure who Northwestern Mutual is already turned me negative towards the company. The fact that AIL is a A+ firm and not the stature even close to Northwestern Mutual left me wondering why I was interviewing with them in the first place, but I am passionate about Life Insurance and planning.
I received a call out of the blue from American Income Life about coming in for an interview. Being Life & Health Licensed, I get emails, Linked-In request, and phone calls often. The number that called me was not an Omaha area code, so it is obviously an Employment agency that calls you. I decided to attend the interview, and it started off unprofessional. I arrived at the interview at 10:00am for the 10:15 interview... I waited with another individual until 10:45 when he got up and left. I looked at my watch and thought to do the same thing. They called for another individual--obviously the one who walked out, and then they called for me.
The guy who first interviewed me was the same person I passed outside the building smoking... OK
In the beginning they make you fill out a questionnaire. The questions they asked are routine questions, and honestly, a waste of time. They review those questions after they ask you to tell you about yourself. After that, they inform you of their interview process and ask you if you have time for a 2nd interview. Excited that you pass the first interview and no plans for the day, why not? The 2nd interview is in a room with other individuals that where called. They tell you about the company and stroke Warren Buffet's ###, but you are still left with questions on what exactly is going on. I will also add, the people that made it to the 2nd step of the interview... How the heck did they make it past the first? I come from a competitive nature, but at least 5 of the candidates were a joke! One of them had a GED, a Military background, but zero personal skills. Honestly, minus his contributions to our country, I felt insulted that someone with zero qualifications, zero personal skills, and wearing genes in the interview... making it to the 2nd interview... was insulting. The other one could not tell anyone in the room about himself, because he was too shy in front of a group setting. WTF?
They give you another survey of questions that they want to review with you and that is the completion of your 2nd interview. Those two that interviewed me did not know who Northwestern Mutual is--let alone the standard of Life Insurance. The 2nd interviewer asked me what separates me from the other individuals in the room... My response was, "That was a joke! None of them have a Life and Health License, sales experience, or a competitive nature."
The position you interview for is obviously a stepping stone...
They explain the markets that you will be calling on and set up a standard of scheduling 30 meetings, meeting with 20 and closing 6 per week. Coming from another LI company, you know that those standards are extremely difficult to maintain. Northwestern Mutual is realistic on scheduling 25 meetings and keeping 15. Closing 6 a week to me, is just sales pushing... Closing 6 per month is honestly, the true nature of the beast.
I went to the 3rd interview and honestly, was not even interested. I went through the process to be respectful and to gather answers to what the training methods and work week would look like. They let you know that you will work long hours, but closing 6 clients a week is not difficult. I am a good judge of character and am looking for a work environment that I enjoy, but this AIL gave me a bad vibe from the interview process and to declining to take a position with them.
They asked me my thoughts of endless income potential, and making 60-80'K per year is not difficult. In this type of industry, those who have been in it, know that getting to that point requires a lot of time and effort. My thoughts are with all the time and effort for this company, it is not realistic... and yes, I made that kind of money at Northwestern Mutual, but it is a numbers game...
I would honestly like to hear more comments from people who have been through these types of things with AIL and from people who have been or are employed with the company. Please don't feed the BS... be real.

Wow, if you are willing to work hard and all that jazz try the oilfield. There are literally hundreds of companies paying 20+ dollars an hour working 70in to 120you hrs a week. If i made 100, 000 a year I'd get a second job! Lol Life is what you make it, if you dont like your situation, change it. You will either do, or watch people do. Those who do are those who have the things other people covet. If you sit on your *** and wait for something great to happen to you instead of making great things happen. Well its your mac n cheese eat it how you want. I'll be having Steak and Lobster in Maine or Shrimp in Baton Rouge. Maybe a little pina colada in Puerto Plata (you thats in the Dominican) With my poor uneducated oilfield trash friends who make things happen instead of complaining about how we didnt that too good to be true job. Natural selection, Wolves and sheep, which are you?

If you read the closest thing I could find to a homepage, there are several contradictions in it. I'm a bit unsure as to whether they are even a real insurance provider. I was told earlier today on the phone that the manager saw something in my resume he liked, she guessed, and that he saw it on monster or hot jobs or "something". The whole conversation was scripted at first, until I kept interrupting her. I mean, flaky from the word go. I figured out pretty quick when the word sales came up that it was commission based and said that evidently someone did not actually read my resume. If they had they would have seen that I'm a trained and certified computer geek, not a commissioned salesman. The kicker was she said that there were multiple positions available, and that she didn't know what exactly they were because she was only the appointment setter? How flaky is that?
Good thing I google every company I interview with. It's good to know something about the people you are considering working for. Also, real interviewers respect and appreciate someone who does their homework pre-interview. Either way, I am supposed to drive to another state, only about 45 minutes away, but still...it's a different state, for a 9am. interview. I almost want to just to make the wannabe manager interviewing me have a bad day from the word go, lol. Hey God Bless you folks and thank you for saving me from wasting my gas money. Every dime is a big deal right now, and I'm sorry to see it happened to any of you. Let's hope we can save a few more people from getting burned, too. Also, I, m looking into some of the local and beyond local officials, so-called politicians who work for us, to see how many of them may take a liking to this story. If nothing else I imagine the local news media would love it. What I read in a few of these posts are down right illegal. Not to mention I still am not sure they are selling a real product.

Despite what they say, American Income Life, is NOT registered with the American Insurance Assoc. This company is a scam. I work for Prudential Life and Casualty, and hear about dissatisfied customers that have been scammed by this company all the time. I decided to check this American Income Life out for myself; I interviewed for a sales position, and was told that I could make tons of money each month. The reality is that this company is commission based, and you have to get hard working individuals, with little to no former education, to believe that you are looking out for their best interest by selling them “Peace of Mind”. The company takes the money from these individuals, invest it for themselves, and make the claim process so difficult that most 92.7% of all claims that are filed are denied benefits. If the insured dies, there is no payout to the family, if a claim is pending and the individual dies, the claim is automatically declined. The employees of American insurance Assoc, work long hours and the commission is not worth the effort. There is a large employee turn-over with this company, and most people only stay up to a year.

I went to one of their so-called interviews, in which they gave a presentation that reminded me of an infomercial. There were so many other "candidates" there, it was like a seminar. They claimed agents could make over a million dollars in their first year, and that was when I decided there was no way it was legitimate. I can't believe companies can get away with deception like that. If this was such a great company to work for, why would they have to make up ridiculous lies and try to sell their jobs in large seminars? The reason is because it is a pyramid scheme. My advice: stay away from American Income Life. Also, I am copying Monster.com's advice for dealing with possible fraud below, so that the people who post here can officially file complaints of possible fraud:

"How to Report Possible Fraud

* File a complaint online with the FTC or call toll-free (877) FTC-HELP [protected]).

* Notify the state attorney general's office where you live and where the business-opportunity promoter is based.

* Call your county or state consumer protection agency, listed in the phone book's blue pages under county and state government.

* Alert the Better Business Bureau in your community and where the promoter is based."

Wow! I answered an ad on Craig's List for employment yesterday (I know that Craig's List isn't probably the best place to be looking, but... I digress). I received a call from their local HR person for a phone interview that lasted no more than 2 minutes. After answering 2 to 3 questions, they couldn't wait to get me in for a personal interview! Now, I'm relatively saavy when it comes down to normal business proceedures and am pretty confident about my abilities. The issue I have is that I wouldn't invite ME in for a further interview based on my answers and I know ME better than they know ME. I think they're looking for only a little above having a pulse. I did set up an appointment for an interview scheduled for tomorrow. I then decided to look them up at the BBB and on numerous web site complaint boards. I made the decision that 2 hours of my life would be missing during this interview, I would not be interested in their company and could never get those 2 hours back. This is where it gets humerous! I called the HR person and told him I was cancelling my appointment and he didn't even ask WHY! Gee, they must get many many cancellations based on research by prospective employees. Is this the behavior of a stable, well intentioned company? I think not! BEWARE...

They came to sell me insurance first off the lead was way off and they pretended to be who they were not. Told them I would decide at a later date. Glad I did look up all this info. First off don't pretend to be a company you are not to make a sale. Second I can get cheaper insurance online. Third I am not paying you a year worth of money for anything I don't understand. In this day and age scam companies are getting harder to get us to pay upfront. You can work at Mcdonald's and make more then you will with this company.

It is obvious that the people writing these comments are not motivated to succeed. What i just read are words of people who will never make it to the top because you are looking for a comfort zone. Well man up and step up and get out your comfort zone and do something to earn your money. I have worked for ail for three months and have made a lot of money. my first wee i made 2345 dollars. yes it was long hours but it is getting easier and everyone in the office is always helping everyone.

I have 1 question. Would Warren Buffet invest in a scam?
http://www.ft.com/cms/s/0/7be34524-690e-11e1-9931-00144feabdc0.html#axzz1p3Vq1ULr

I got an email saying they pulled my resume, saying I'm a good fit, and to call a certain number. The number is Canadian (I presume) as the email mentioned that this is a number of their Calgary office.

In my case I have put up my resume on Canadian job boards as I intend to move and work there. Thank you for all who have shared their experiences with this "company". I'm steering clear as my experience has nothing to do with insurance or selling them. Also in their email they said they tried to contact to me to no avail, which is a blatant lie.

Also the email did not address me by name. In addition to that, Gmail filtered it as spam as well.

Mine is a nurse resume(only LVN level) but they've been sent me emails saying I am perfect for their company and they "pulled" my resume because of it. I was surprised they'd say that being I have no sales experience at all and never applied for a life insurance sales job. I didn't contact them back because it is pretty common knowledge that it is a commission only job and obvious that there would be up front money. They make you feel so good about yourself in the emails that I thought I'd check them out. Thank you to this site, even knowing better I was getting tempted as I haven't landed a LVN position yet. I have no experience, just the license and can only work under the supervision of a Dr. or R.N. Insurance companies would only be interested in medical professionals with higher education (physician)so it was just a mass mail out and sure they never even looked at my resume.

Wow, you all have missed an opportunity of a lifetime. I started with this company six months ago and love it. I've made more money than I've ever made before and have such freedom. I suppose it's because I'm not afraid of working but even that isn't an excuse for you all. A major loss for you! Loving my job, Lydia

They just called me. And after doing some homework. I found out that they had their BBB accreditation revoked:
http://www.bbb.org/sandiego/Business-Reviews/insurance-services/furer-whittinghill-agency-in-san-diego-ca-6000411/

I don't think I want to work for them, not after they lost their BBB accreditation.

WOW. My phone has been continuing to ring. If I dont recognize a number I always google it because I too have been getting A LOT of calls about this sort of thing because of posting my resume on careerbuilder. NEVER AGAIN BTW!
I found this story and thats enough for me to put this number down as a rejected number.

I, too was contacted. Bottom line - why would I want to work for someone who can't tell the truth, right out of the gate? There are people looking for jobs whose lives are falling apart due to recession and lack of finances, and can barely afford necessities, who are literally spending their grocery money to put gas in the car to attend interviews, and this company is holding "mass interviews" for no specific job or a job you later find out is many hours away. To boot, one must pay for their own training (which is hidden until after gas money and half a day is spent to attend a group interview an hour away).
No thanks! I"D RATHER WORK FOR SOMEONE HONEST AND UPFRONT. Maybe I'd be willing to pay for my training with someone who is honest with me. But you other folks who wrote in are right... a professional company invests in their people, and I would like to add: treats they're employees like respected INDIVIDUALS, not a herd of cattle, or a like they are just a number.

Well...I'm scared now! I really did just make a phone call and spoke to Jamie, made an appt for tomorrow. This was all before I had even read about the company. I'm 45 year old female worked for 1 company for 24 years. I started out answering phones and moved up in the company to where I would sign checks. My old company didn't want to let me go and they are like family to me. I just want to work! Please don't mind the spelling...I didn't proof read before I sent this.

I have been contacted, as well, by an introductory email, then a peremptory followup that sought to upbraid me for not contacting them. The links are highly suspicious, with the description being 'workatail' but the URL pointing to:
http://www.tmkrms.com/Response/ThankYou.aspx?RecruitGUID=0C5A65DA-4D6F-4A94-A47C-167150BE472E&MLID=237&redirecturl=www.workatail.com

Just got a call from Jamie from A.I.L. [protected]). She stated she was calling me back after my inquiry. I have never inquired on this company or requested any information from them. BE CAREFUL WITH CAREER BUILDERS. They are famous for scam letters and other tricks. There is also no way to complaint about problems

A couple of weeks ago, I began my job search. I've been seeking out sites to hopefully better my odds and shorten the process, and have lost track of how many times I have posted my resume. about the second day in, I received a phone call from some one at AIL telling me that after reviewing my resume they were convinced that I would be perfect for AIL. This company is in the business of selling insurance, right? I have to agree with Tylerrr on the question of how closely they looked at my resume, because my resume details my 20 years of experience as a truck driver. does that make me the perfect person to sell insurance? I'll let you decide that one for yourself.
meanwhile, does any one have any real job leads for a truck driver looking for local work in southern New Hampshire?

WOW! They just called me not even 5 minutes ago and was like come in tomorrow for an interview! I didn't even believe what she was saying one because the lady that was on the phone Anggie couldn't even speak clearly about the company itself! I was like if you are the forefront person of the company you should be very well spoken and know everything about the company! I just canceled my appointment as well at 10:45am! Thanks guys I really appreciate it because I really do need a job but I don't have time to waste on no scam jobs!

Thanks so much I had a call this morning from them and I was about to get happy but then I called back and put their number on google and found this. So I'm glad I won't be calling them back

THANKS A MILLION... I just cancled my interview for 10:45 am.

They call me for a supervisor position I am the head of the family and my wife is really sick and we are struggle in bills trying to find a job, you don't do this because you know how difficult it is to save the gas money to go to interviews and my interview was 10:45 thanks because when i check the name of the company American Income/ Logan & associates find out that was a scam

I am so glad my husband checked this place out online. I had an interview set up for tomorrow 2/10/09 and I am no longer going. 51 complaints about a company is not a fluke. I even went as far as to put in multiple company's I had previously worked for and company's I had never worked for on this website and NO ONE had a complaint. OMG thank you everyone for commenting on this place.

So I read some of the posted complaints about American Income and the so-called job opportunities that they call and try to sell you on! I too received a call this morning from a "representative" from this company who also found my resume on Monster.com and felt that I was a "perfect fit" to be a manager for American Income.
Apparently these so-called "reps" do read from a script because I was told word for word what all of the other "perfect fits" were told; show up dressed professionally and bring in a hard copy of my resume to interview for the manager position.
I am so GLAD that I did my research on this company prior to showing up at my first interview tomorrow morning! I will not be showing up for this interview nor can I cancel my appointment because as another one of the people who has complained said. . . .no voicemail to leave a message on and now no one is answering the "business phone?!?!"
Thanks for the forum to get this information out there to those of us who are looking for REAL employers and who don't have the time to mess around with a joke like this!

I received a call last night from Anna Augustyniak, from AIL Canada, she was asking me to meet to give me more info on the booklet I asked for, that I have no idea what it is about, and never subscribed for, she also had personale info on me like my date of birth and my husband name, and knew about my other insurance plan and my trade union, this is scaring me so much and no one is answering the phone when I'm calling their phone, how did they get my ID info, can someone help me,
it is a scam for sure

I won't be attending the interview after reading all of the complaints about this company. There are just too many and if they were successful, they would have a way to clean it up if the complaints were not legitimate. Why waste the gas and time. When I called out of courtesy to tell them that I was not coming due to all of the reviews I see on the internet, the woman said she loves the company and blah blah blah. I asked her what her position was and she said customer service. Why is customer service answering the phone for interviews?

I got a call from AIL this morning and right away i researched this company and found all these complaints to stay away, Thank you. But I'm still curious to know what goes on during the interview...

In a word or two, if american income or logan calls, just hangup. It's not worth the cell minutes. Same as all say, it's not a job it's a scam, i work for a company that is real and they provide free training. As do most companies that are reputable. If i wanted a job from a two bit half broken English speaking Chicano Ill visit my local fast food restaurant or fill up station.

http://hotjobs.yahoo.com/careers-601428-American_Income_Life;_ylc=X1MDMzk2NTExMzc4BF9yAzIEbGlkA0hKMTAwVG9wQ29tcGFueQ--?ultsrc=HJ100§ion=TopCompanyList

What is not legit about a fortune 400 platnium company with an A+ superior rating with AM best (the best rating to achieve) and a company that was just listed as the top 37th company to work for in america by yahoo hotjobs 2009 . The only company on that list that provides supplemental benefits to the working class man. The company doesn't advertise because they made an agreement with the union board to not advertise to help keep the cost down. SO do some real research based on facts rather than opinons and reading peoples slander!

I would like to personally thank every single person who decided to post on this site about AIL. Like so many of you, I was contacted by them, stating that they'd "found" my resume online and would like to schedule me for an interview for a "management" position as an account executive. Well, when I googled AIL, I found it strange that I couldn't find and actual link to the company, only ads on other job sites for positions. Then, after scrolling through a couple of pages, I found this site. Once I read a couple of complaints, I was convinced I'd done the right thing by researching this company. Thank you all from the bottom of my heart for your wise words. They've saved my family and me a lot of hearache.
To anyone out there searching for a job like myself, please beware. There are, I'm sure, many more companies out there who would like nothing more than to work in the same or even worse unscrupulous ways like AIL. Take care, fellow job seekers. I sincerely hope we all find what we're looking for.

I also got recruited by American Income. Im still working at the company and love. Im not sure why some of you get upset that they recruited you. You all don't have emplayoment and you ### and cry when someone is trying to help you out. You can make so much money in this company it is ridiculous. I have only been here for 6 months and I've with out a doubt made close 65, 000. In all honesty you just seem lazy to me and you want a borning customer service job where you come in at 9 and leave at 5. Also the company just got rated #1 by Yahoo finance for insurance jobs to work for. Also by the bbb.org got rated a+superior. So you all should do informative research before you cry and ### like a baby.

I was one of those who got suckered by AIL back in 200o-2001. I went through the entire hiring process (which, in hindsight, was total BS), got trained at my own expense (that too was BS) and got a producer's license in my state (I knew that would come out of my pocket beforehand). I went out on the road and did it for a little over 6 months. The result? I made a whopping $559.00 total during that time.

The ethics? Definitely non-existent. The training? Sucked. The expectations? Seven day work-weeks from the people I worked for.

It was just not worth it. And I would definitely wave a red flag in the direction of anyone considering going to work for them.

At least I could write off the losses when I did my taxes...

No, most agencies DONT pay for you to get a license. Are you kidding me? If they supply the training yea, sure they're not going to charge you. But to pay for things like insurance classes which run from 75-150 is crazy. no company can afford that. 103 for the state test on top of that. Oh and your license with the state itself will cost you 180. YEA! Things add up. The license is something YOU own. You are the keeper of it. If you leave AIL they dont go "woops lets rip that up" its yours until you need to renew it in 2 years. Why would they pay for that?
Get serious. Big money costs big commitment. If you want an easy job with big money this ISNT it. go away. There's no such thing. But if youre willing to work, go for it.

I had 2 policies with AIL. I paid on them for over 2 years through automatic payment with my bank account. I had some IRS problems, so the IRS garnished my entire bank account in December. I was out of work at the time, so I tried to call AIL repeatedly so my account would not be overdrawn & I would not get overdraft charges. All I got was voicemail until the evening my premium was due. By that time, they had already tried to collect, causing me 2 $35.00 overdraft charges. I told them I wanted to cancel my policies. I kept receiving invoices. The money I had coming back to me from the policies, they kept, saying that was used to pay my premiums when the bank would not. It is now June, & I just received another premium notice. This company will hound you to get your business. But you can never reach anyone when you need them.

I have never received a policy, after all the hoopla they put me to to sign up. Now I am trying to cancel and all I get is the run around.
I was given the wrong policy number over the phone so I cannot go online to cancel. So un-happy Just have to close my account
then I guess they will respond or cancel.

Recently I tried to claim on my insurance policy with AIL and had some problems, I was going to cancel my policy after finding some unethical loopholes but it seemed every staff member I talked to was willing to say whatever I wanted to hear so I didn't cancel the policy.

I had called around to ensure my claim was valid and of all the numbers I tried from canada and the US and all the people I talked to from varying levels of management I was told I *should* be able to claim no problem.

Some even offered personal stories from others who had claimed for the same thing.

However, after doing all the running around (getting forms to doctors etc.) I was told my claim was not valid and that everyone I talked to should have told me so. Silly me for believing the lies - I hope this warning can help others not to make my same mistake!

I have also received several emails from this company after posting my resume online. I have never clicked on a link to be removed from their mailing list.

Today, I received an email from them congratulating me on completing my training! I have NEVER done any training from this company. What gives? Do they really think that this new tactic will make me want to bite on their bogus scam? I'm afraid to click on their link to be removed from their mailing list. It may contain a virus! Has anyone sucessfully gotten themselves removed from this BS phishing email campaign?

Hello All Troubled,
I want to respond to all readers about American Income and Torchmark Companies. I am a former agent(considering returning) of this company. I cannot say that my experiance was grand however it was not all bad. Like you, i was very skeptical of the TOO GOOD TO BE TRUE antics. However, I got my license and started with them. The money is truely as promised. The training is paid for and phenominal. They do not have a system set for failure, it is set for success. The key is being a self starter and having an entreprenuial drive. You are in control of your paycheck and your destiny. The office that i worked for was not fitting to me for many reasons. However the regional office was a great environment. No, it does not take a degree to work there. But where else can you walk off the street and make on average $1000. per week pay. They show you how! The system works. I left for personal reasons and considering a return. But it is sales and if you do not have a sales mind it is not for you. Mostly everyone in the company is below 40 so it is a pretty young environment. Like Mary Kay, Monavie, or any other multi level marketing company ... its there for you to take advantage of ... how bad do you want it. If you want a career, it may not be for you...but if you want to make a lot of money... great opportunity. There are negative things out there about all companies if you look long enough. No one is america is 100% happy with anything. So don't knock it before you try it!

GOOD LUCK TO ALL!

I worked for AIL too and I don't like their practices, I don't like their methods. I found them to be dishonest and they hound customers and potential employees with phonecalls. They're trying to charge me for the advances they paid me now that I've quit. That should be money I earned after i PAID for my own classes, dragged my trainer's sorry rear end around in MY car and sold policies for two months. Now they want money from ME? I don't think so.

I don't see how mike b is "stupid" his facts all check out. Maybe one should do research before resorting to ignorance

Mike B has to be the stupidest person posting on this website. Strange how he also works for AIL.

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 believe in coffee, then open a Starbucks. If you believe in Life Insurance, then work at AIL. There is only one guarantee in life. We will all pass away. How could a product that insures your life be bad for your family? Sure there are cheaper 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.

I got a call today will similar to those above, but the person left me a voice mail that was anything but English. In fact, her English was so bad, I couldn't have returned the call if I wanted to. Anyway, they called two more times until I finally answered. They were unable to give me a job description, company info, etc. They didn't even have my e-mail address, but claimed they had my resume. I asked them to read my address from the resume and she could not even do that (but then again, she may have not been able to read English). I figured that if the HR person couldn't speak English, that it wasn't worth thinking that the company was any better.

I just got a call a few minutes ago from "Hassan" to schedule an interview for either 10, 10:15, 10:30 to meet with a SR. Mgr. I asked him innediately if this was a commission paying job or salary, he said it was salaried but I am still so suspicious. I have already been to Aflac, Primnerica and NY Met life and the same thing. If I was into sales no problem but am I not. I am so glad I saw these stories because while unemployed I take care of my nephew everyday and I would have to shift things around. It is really unbeleivable the way they reel you in while unemployed.

Thankfully after I got this same message from "ROD" who claimed I sent them my resume on monster.com and his superior wanted him to give me a call to set up an interview (for the record: no I didnt, I know where I applied- all 3 places were around my area in Bergen County, NJ and I would never apply for a job in Edison...where I would have to commute 2 hours a day). I knew I wasnt going crazy, so I googled the company's name and it lead me to sites like this one about the scams theyve been involved in. I always go w/ my gut instinct and this message sounded fishy from the get go...dont say on the VM. that someone emailed you their resume' when they didnt. If anything, say "I saw your profile on monster.com and you fit the criteria that we're looking for." Needless to say, they wanted me to call in for an interview and I'm so glad I found this board before I went in and wasted my time. I can't wait to call them tomorrow and give "ROD" a piece of my mind. Thank you for everyones shared stories.

I got a similar call this morning. It went to my voice mail. "Lori" from HR dept left a similar scripted message for me asking me to call them back. What made me suspicious about this call was the name of the company. Never heard of it before and the word "income" in the company's name? I decided to google it before I return the call and I' m glad I did becaue it saved me time and money.

Thank You so much.
I dit get a cal from David this evening n I got scheduled for interview at 10.30 in tomorow morning with Monica.I asked them twice for which position I gonna get selected but it was really suspecious.They told me it will be for Management team position n I didnt get that...
Now I checked whole story.
Thank You very much again for saving my trip.

Thanks so so so much for alerting others! I just booked an interview with them this morning, for tomorrow, but I was a little suspicious too...David Housman i was supposed to interview with...really sleazy these people, taking advantage of the unemployed during an economic crisis

I ALSO GOT A CALL FROM A PERSON NAMED CARLY AND I WAS SUPPOSE TO GO TODAY @ 10 AM FOR AN INTERVIEW TO SEE A DAVID HOUSEMAN AFTER READING THIS I DIDN'T GO I WASN'T SURE IF THIS IS THE SAME COMPANY OR NOT SO I JUST DIDN'T GO.

SHE A FEW DAYS AGO

I just got a call from ms. Fisher and though it was odd that she could not give me any information. You saved me a trip.

I got the same call this morning, the person was not able to give details about the job except that he is from HR dept. and guess what they had appointments available for tomorrow with the Sr.Executive who seems to be desprate to hire me!but HR couldn't answer WHY! Anyway at that time i was not sure what it is and fixed an appointment fro Friday... and just searched by their name got all teh story... you saved my trip... thanks.

Wow! Just saw this complaint board regarding AIL. Glad I did because I got a call last week, very hurriedly, telling me that they had come across my resume on _______ (didn't catch which site) and thought I would be excellent for an entry level management position and wanted to set me up for an interview in Charlotte, NC. I was in a hurry, due to computer issues, so I didn't listen to much of what the girl was saying. Just dot down the name of company and that she was calling from Raleigh, NC. Wanted to know if I could come to an interview at 10 am this Tuesday. She said it would be about 1 1/2 hour and to dress with business attire. I asked for directions and she said that they would dent on Monday (today). So here we are.

Touche' to all who figured out before it's too late that if it sounds too good to be true it probably is. My story is just like all the ones here with only a few differences. I was never told the "interview" would take soooooo long. I did waste my lunch hour on it. I kept trying to say I was not interested at all in sales and was looking for a desk job as I was accustomed to. The interviewer just kept re-directing the conservation to being able to earn big bucks very easily. I may be rare but I am not looking for big bucks. I am just looking for a job that pays the rent and puts food on the table, a normal 40 hr a week job. They were so sure they could convince me otherwise I couldn't get them to address a desk job at all. Finally the interviewer said they would call me in a couple weeks. We will see. I was also told about dressing professionaly. No need to even go there on their part. When I got there HOLY COW! They do not begin to know what it means to be dressed professionaly. Anywhere you looked there was nothing but upper thighs, foot-long cleavage and skin! The office was grungy. Thanks for these warnings and to my Dad too for telling me I needed to check. Now you have 1 more warning!

I spoke with these people today. It def sounded fishy. The person I spoke with "Gary" sounded nervous on the phone and after a few minutes of talking was swearing like we were best buds. He was feeding me all the lines about how I sound like the perfect candidate and that I could make 100 k my first year if I worked hard. He led me to believe he was in the top 5 in Sales nationally and making tons of money. Now that could be true, but this isn't my first walk in the park. As soon as I googled the company and put the word "complaints" in the search I was bombarded with sites that were bashing this place. I also went to the Better Business Bureau and wasn't able to find any information on the company. That is not good, usually there is some sort of information listed there whether bad or good. A fortune 500 company that isnt even listed on the Better Business Bureau website... Yeah right! So I'm glad I looked into this as well so I do not waste my lunchbreak going in and talking with them. I feel bad for the unemployed who hope this is a great way to provide for their families... I am in a situation where I have been told to start looking because of jobs being cut this year, but at least I still have a steady paycheck. for now!... I cannot wait to call them back and let them know after doing some research that I will be passing on the interview... I hope he tests me because I have some ammo to fire back with and could use a good argument while I'm sitting in traffic! Thanks for the heads up everyone! STAY AWAY

They just called me for an interview and I'm not going to go because if you know that they are an insurance company then you know they pay only commission! I mean if you have children and you have to take them to daycare they aren't going to stop charging you because you haven't made any money at your job. So to begin with you are already negative 235 for daycare. Screw that!

thay? dont you mean they? I've researched this job and all that comes up is complaints! PLUS ive seen way too many complaints about this place - why should anyone give them the time of day?!

I am glad that there are postings like this out there on the internet. Just yesterday I received a message on my cell phone from AI. A lady told me that they had found my resume on career builder and that I sounded just right for the job. Living in Michigan, I know sales people struggling left and right just trying to make ends meet. In an economy where nobody knows if they will have a job tomorrow, I don't think that selling life insurance would be the way to go in this day and age. I had a job lined up at GM but thanks to the big 3 tanking that tanked also. Thank you for informing me about this job I was almost led in to.
I will rest better tonight knowing that I did not go to the interview.

I got a call from the local AIL office and was briefly fooled because I have been out of work for five months so the person on there made it sound as if it were one of the jobs I put in for. I showed up bright and early and saw the same setup - gave my resume to the woman at the front desk, sat with a couple of other well dressed potential employees. I was interviewed by the HR rep who had also called me and when I asked her what the job was and she told me it was selling supplemental life insurance, I almost fell off my chair. Ok the economy is tanking and you want me to sell supplemental life insurance? I got the hell out of there as fast as I could and didn't go back. I need a real job not something that pays commission people. Don't waste your time on this scheme because you won't get paid.

I was applying for jobs today in Saint Paul and mistakenly applied to one without a company name in the ad - I was in a hurry. A couple hours later I was contacted by James Bouchard. He started in with a script and a phone interview. First off, phone interviews are usually treated like real interviews and scheduled ahead of time. I had to interrupt him to ask what company he was with. He said, "AIL." Like I am supposed to know what that is. I then interrupted him again to ask him to tell me more about the position. All he said was that is was entry level management. I pretty much knew what it was about right away but went along with it for [censored]s and giggles. This kid sounded like he was 18 and couldn't read very well so the questions took him forever to ask. After a couple minutes he said it sounded like I had management and sales experience before so he wanted to set me up for an interview with the hiring manager. All those questions to tell me what was already on my resume? He asked me which position I was most interested in, sales or sales manager. He then explained to me what a sales manager was as if I were a child and had no clue. I was becoming irritated. Without me even consenting to another interview, he asked me if I had a pencil (normally my 7 year old uses pencils-not me)to write down the address. After I had that he told me to take a fresh copy of my resume, some personal referrals with phone numbers, and to dress professionally. I was sure now that this was a scam after hearing the last sentence come out of his mouth. A real job will not tell you what to take to an interview or what to wear. They expect you to know that and they judge you on those things. This is proof that they are just looking for warm bodies. I have heard that line before and decided to tell James off. I said, "Now I know this is a scam. A real job wouldn't tell me what to take to an interview or how to dress. Do not contact me again." I then hung up. Trust you instincts people.

I was contacted recently by an AIL Representative in Washington State for a interview. After looking at their website and reading several of the complaints on this website, I have decided not to go to any interviews with them. I am also disapointed in Monster.com, where my resume is posted in not screening these predators better.

Hello All,

Listen...I've been a Mortgage Lender for the last six years and I am gravitating towards Insurance because I held a license about 10 years ago when I worked with Primerica. Had I not gone through a divorce (which was not related to me working for Primerica) I would probably still be there. (I actually made money there unlike some folks.)

Anyways...I have interviewed with Farmers, State Farm, Allstate, NewYork Life and a few others and decided to be an independant so I'm not tied to any one companies product line and can provide better service to my clients. I will not have any salary of course but I'm comfortable with that. If you aren't comfortable with Commissions then Financial Services is probably NOT the work environment you are looking for.

Here is the deal...regardless WHERE you want to work if it requires a license they CANNOT legally pay you to solicit for business unless you hold a valid license in the state you reside in. It's the same way in the Lending business...if you want to work for a Department of Real Estate Licensed Broker.

Now...for a smaller split you can go work for an institution that uses a CFL (Consumer Finance Lender's License) or a DOC (Department of Corporations) License and you work UNDER their license and are not required to have a Real Estate License to write loans.

In the Insurance world...there aren't options like that. You can go get your license on your own. Folks it's more expensive than the $99 I heard someone complain about. Spend some cash for your online or classroom Prelicensing Course, Pay for your Exam, your License and your fingerprints and baby we are talking about $400 bucks and then some. (By the way...it's worth many times over what you will pay to get it.)

I'm not advocating or defending this company because I don't work there. I was contacted for an interview but not that I'm aware it's an MLM I can take that into consideration. But if you are whining about spending $99 for an opportunity to MAKE some money grow a brain. When I got licensed in 2002 as a Lender It cost me over $400 get to get licensed. And it served me well...I've made several hundred thousand dollars over the last 6 years as a result. Now it's time to row with a new set of oars because the party is winding down.

If you wanted to open up a Franchise it isn't Free...it costs money. An MLM just allows you to build a business that can POTENTIALLY give you leverage when others work. Traditional business is about Leverage. Your boss hires you for $10 an hour but your work is helping him to be more profitable or he is earning far more than what he or she is paying you for the measly $10.

The bottom line is...are you in a position where you can build YOUR business or someone else's ?'.

Food for thought.