American Income Life Dba Ail, Altig — employer scam!
First, I (and many others) were told that we would have a guaranteed income for six months. After devoting weeks, sometimes months, to training without pay, we were then told we would only get the guarantee if we sold a certain amount, but just a few weeks later, even the required amount was raised. Conveniently, the commission on the new required amount is more than the guarantee promised. So, there is NO guarantee.
Another ploy used to get employees signed on was to promise an office job 2-3 days a week to anyone who wasn't comfortable working strictly in the field on commission. I had that promise made to me several times, as did others I have talked to, but the position never evolved. In fact, AIL gets free office help by telling their agents they will not be considered for management unless they donate time to the office.
Then, we were promised we would always get new union and association leads, that there were thousands of new leads coming in weekly and that we would never be responsible to generate our own leads. Then, a few weeks into it, we were told we would only get 100 leads per month. Then, this fell down to 50 leads per month. Then, the truth fell out - we are responsible to generate our own referrals and no new leads are guaranteed after the first few weeks of being out in the field.
This would be bad enough, but adding to this is the fact that nearly all the new leads given to new reps were gone over by the RGA, who cherry picked the 'good' ones before passing the ones she couldn't contact or, found to be disqualified on to the new reps. This was evident when on booking nights, many of us would call on our precious leads only to be told that she had contacted them just the week before and had told her they weren't interested and not to contact them again.
Even worse, was the fact that we all found ourselves driving miles to make a presentation off of our 'fresh leads' often to find out that another company agent had been there just days or, weeks before.
Making our lives more difficult was the fact that we could never pin our manager down to meeting times. We were always told, maybe, Monday but she never was sure of the time and then, 1-2 hours before we were suppose to be there, she would call saying, 'an hour.' Many of us had to drive an hour to get there so, this was ridiculous and seemed purposely done so, as it never changed week after week, no matter how many of us asked for more advance notice.
In our office, it was not unusual for new employees to be hired over the phone without even a face to face meeting. This now seemed to be happening so the hiring agent could collect her new hire pay and NO support was given to these new hires, making their investment in a ALTIG 'career' futile at best.
Making things worse still was the fact that we were told NOT to explain our policies fully, not to go into any provisions or, detail or, legalities. This led to many of us being faced with policy owners who had been misled by the oversimplification of ALTIG products given upon their sale.
On top of all of this - getting paid is never assured. Not only can it take weeks to get your first paycheck after making your first sale (and after spending weeks/months in training without pay), but thereafter, you may see weeks that your check simply doesn't show without as much as a 'sorry.'
The manager who was handling the office throughout all of this is one that has worked for years, one of their 'star' producers and has opened many offices for them and it is hard to believe the company is not fully aware of all of these problems and abuses.
I STRONGLY URGE ANYONE WHO IS CONSIDERING GOING TO WORK FOR THIS COMPANY TO CUT THEIR LOSSES BY NOT CONSIDERING!!