American Income Life — deceptive business practices
Eric Giglione and David Ackerman are New Jersey SGA's for American Income Life. They will hire just about anyone who has a pulse just as long as the employee can pay the $300 fee for "classes and training". They Have new employees call names that have obtained from websites such as "Monster" and "Careerbuilder". They lie about positions available with the company. In reality, the only position available is selling insurance. If you jump through all the hoops and actually make it out as a independent agent, the "qualified leads" they provide you with are often several years old. Most leads are older people who are too sick or financially strapped to purchase insurance. AIL heavily promotes their "Child Safe Kit" which is just a ploy to gain entrance into houses to try and sell insurance to unsuspecting individuals. When I worked for this company I visited with people who were in no position financially to buy insurance... some couldn't even afford to pay their electric bills. The company will often send agents into dangerous and low income areas. If you do manage to sell insurance policies, wait 4 months before you spend your commissions. If a policy holder drops their policy within 4 months of taking the policy out, The company takes your commissions you made on those sales back. Policy lapses are quite common due to the nature of the individuals you are selling to and the quality of the policies. Be very careful if you receive a call from this company. SGA's like Eric Giglione can afford to drive Ferraris because they make money off of other peoples hard work.