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American Income Life Insurance
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2.6 145 Reviews 145 Complaints
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American Income Life Insurance complaints 145

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American Income Life Insurance ail is a scam!

Okay, so I posted my resume on Monster. It was part of a freshman business class in college. I work at a local tobacconist, and I love my job. I get a phone call from so-and-so at AIL, wanting me to come in for a interview. They said after searching over Monster for days, they finally found me and only me, as the single fit for their company. I asked the basic questions, and right before we hung up, the lady tells me pay is between 80k-100k. Hmm, for a college kid, that sounds freaking awesome!

So I go to this interview. I walk in the door of this house-converted-office, and am greeted by a older lady. Oh, you must be ... We've been expecting you. Fill out this sheet here, and take a seat. I fill out the sheet, and sit down. Ten minutes pass and this decent looking girl comes out of the back, and tells me to follow her for a interview.

So the interview starts, and it's a pretty basic interview, she says everything is going great, and she'd love for me to stay and meet the head honcho. Alright, so I sit back in the waiting room, and get ushered into this other room. In this room are about ten other people (so much for me being the 'perfect fit'). We waste about a hour of our time listening to how great it is to work at AIL, all these success stories, and all these other lines of ###. Apparently I was the only one smart enough to sit there and realize how this is turning out.

Finally this hour and a half presentation ends, and we get ushered back into the waiting room. I look at my watch, ###, I have to be to work here in a hour. I get called back to the back room with the decent looking girl for a follow up. So we're talking and she tells me they'll be calling me back. Awesome.

I get a phone call that night, and go in the next day, where a new girl is talking to me about what the job entails, a little more information, and bam, my pay got bumped down to about 30-50k. What the hell? How did that happen!? Ok, still 30k in college is still a solid chunk of change. So we're talking and talking, and she pops the question. Do you want this job? You'll have to quit school. Did I mention this girl has no teeth? Yeah, by the way, she's missing her top row of teeth, and keeps talking to me like I am from the ghetto. I mean, unprofessional slang, stuff like that. "I got a big load coming my way this week". "I be making bank." Just a few I remember off the top.

Well, what do I have to do to get this job? Oh, you just have to pay $XXX up front, and we'll get you licensed. So she pulls up this web page, and tells me to fill out my credit card information. Thank God I forgot my wallet at home that morning. I left, to never return again. My education is far too important to me, to give it up. AIL is a scam. Through and through. They want you to go and take advantage of lesser educated individuals. That's the end of it. Their website is cool, the employees seem alright, but man, I was happy I didn't take that job.

Take it from me, don't waste your time going to this interview. Go ahead and read all the other complaints on this site. Obviously all these people can't be wrong. AIL is NOT a company you would want to work for. Pay is purely commission based, even though they claim salary, you have to spend money up front. No matter what they tell you, you're starting at the BOTTOM of the barrel, and truthfully I didn't see any way of working my way up the "ladder". These guys that claim to be making the big bucks, I didn't see any nice cars parked in the parking lot? My car was the nicest there (not trying to brag) I saw some older beat down trucks, a few [protected] camrys. Nothing that wowed me, or screamed "We're making bank!"

Like I said, and I will say it again, AIL is a scam.

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burghgirl
, US
Feb 14, 2013 4:49 pm EST
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I too was called for an interview by an AIL rep who said she (Lady X) had my resume and was told by her director to set-up an interview with me. The next week, I arrived for my interview, if you can call it such, 15 minutes ahead of the appointed time. The process was impersonal--more like a cattle call (I was in a room with about 15 other "candidates", some of which were to be interviewed by the same Mr. X., and some to be interviewed by other staff (from an HR standpoint, I find this unprofessional to have candidates all "huddled" together. Anyway, after a 10 minute wait, my name was called and a Mr. Z (not Mr. X as indicated when I was first contacted) greeted me, and escorted me to his office. Mr. Z did not ask me the "typical" recruiter/HR questions, in fact, his approach was more like he was attempting to sell me a vacuum cleaner, or a used car. When he completed his "script", I asked exactly which position I am being considered for, but he too just like Lady X, never gave me a direct answer, but instead said, "well we'd like to see if everyone we talk to is a "good fit" for us, and if "AIL" is a "good fit" for every candidate, but then instantly he asked me, "how is your work ethic". Mr. Z then tells me that he is going to escort me to a conference room where he would like me to sit, interact, smile, take notes, and ask questions for AIL's overview of the company, and "try to be noticed". Mr Z said this overview is necessary to see "who is a good fit". At this point, my mind is turning on all cylinders. As Mr. Z and I walk to the conference room, he hands me a "personality profile form", and he tells me to complete this form in the conference room while I am waiting for the overview to begin. The profile is 4-5 pages. When I entered the conference room, there are at least 20 so-called "candidates" already seated, filling out their "profiles", and waiting for the overview to being. At this point, I asked Mr. Z to, "point me to the direction of the restroom before I get started with the profile and overview". Mr. Z walks me over to the restroom, and greets me good-bye with, "I'll see you after the overview and have a good day". I waited in the restroom for 5 minutes, then went back to the receptionist and told her, "I am unable to stay", and I left the building and drove away in my car. AIL, in my opinion, scams people to get them in the door to a "so-called" interview, but in reality, they are looking for telemarketers/sales people; however, they never disclosed this piece of information when they initially contacted me, or when they had me meet with Mr. Z. To ask "so-called candidates" to sit for a 1 hour overview of their company, fill-out paperwork, and "try to be noticed" is beyond comprehension from an HR perspective.

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American Income Life Insurance making my account overdraft

i was told that my deductions for my life insurance would be taking outta my bank account on the 8th day of every month. Today is Aug 31st and american income life took money outta my account which made me overdraft my account. I let the representative know the date monies would be ok to be taken before hand to prevent this problem.

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peggy thomas
wiggins, US
Apr 23, 2013 7:37 pm EDT

cancel my account please

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peggy thomas
wiggins, US
Apr 23, 2013 7:36 pm EDT

I am cancling my account now

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not happy,,,mad as hell
Philadelphia, US
Mar 21, 2013 9:36 pm EDT

I never received an insurance policy and this premium came out for 6 months until I decided to cancel. They were referred to me by my mother. And I had faith in the company so I waited to receive my policy. It never happened, I was promised free dental discounts and everything. They got away with over 3 hundred dollars and some change. Scam!

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American Income Life Insurance employment farce

My experience with American Income Hiring happened today: I received a voice mail message on my cellphone from a woman named Jessica, at America Income Hiring, and she left a return phone number. I had never heard of the company, and I immediately did a Google search before I called her back. The Google search resulted in numerous websites filled with nothing but negative information about scams, farces, rip offs, etc. I knew that returning the phone call would not result in an interview or position, but I was feeling ornery, and I felt like giving these people a run for their money.

I called back and spoke to Jessica. Immediately, I knew she was reading from a script. She said the company was looking for entry level staff to managers, and she asked me if I had any management experience. I responded that I was a senior level manager at three Fortune 500 companies, and I had been a manager for over fifteen years. I asked her about the position, and she said it was insurance sales to credit unions, and she asked me how far I lived from their office. I lied and told her I was closer than I really was, just to bait her.
Next, I asked her if she had my resume in front of her. She said, "Oh no, HR has the resumes". I advised her that my experience was in Operations and Finance, and I had no sales experience. That stumped her, and she again mentioned that the company was looking for entry level people and managers. I told her that I did a quick Google search on the company, and every search engine I used brought up website after website with pages and pages of complaints that their business was a sham. Jessica responded and said, "I've never heard that before". I advised Jessica that many of the complaints indicated that employees were required to pay their expenses upfront. She answered that if you took the job, you would be required to pay for your insurance license. I told her that I wasn't willing to pay any money upfront, didn't want to do commission sales regardless if they were legit or not, and my practical experience told me that I should never have to pay anyone or anything for a job. Furthermore, I told her that I would not work for any company that didn't pay for my expenses, or license fees, and I expected a salary for any work completed. The shock of my life came when she said, "Why don't you come to the interview tomorrow?".

At this point, I couldn't hold back. I told her that it was apparent that no one had read my resume, because if they had they would not want someone like me, because I had no sales experience. I asked if she was just cold calling until she found someone that would take the bait. Jessica didn't respond, and I told her to never call me again, and to remove my name/contact information from their database. I hung up on her. Two hours later, someone called and left a message on my land line.

I hung up, and I felt very sad for the individuals that were going to jump on the opportunity to "interview" with this company. This is not the first time that I have posted my resume on monster.com or careerbuilder, com, and received tons of other bogus offers. My personal favorites are the ones from foreign countries asking me to assist their company with their finances by cashing their checks. It's very sad, that people will continue to prey on individuals that are desperate to find work.

Before I close, I wanted to let other people know that there are legitimate companies that use monster.com to recruit candidates. Back in 2007, I was lucky enough to be contacted by a recruiter that found me on monster.com. The company was legit, I was qualified, and I landed a six figure job. So, for those of you that do not believe that you can find a job from monster.com, it is possible, but I would say it's few and far between.

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burghgirl
, US
Feb 14, 2013 4:40 pm EST
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I too was called for an interview by an AIL rep who said she (Lady X) had my resume and was told by her director to set-up an interview with me. The next week, I arrived for my interview, if you can call it such, 15 minutes ahead of the appointed time. The process was impersonal--more like a cattle call (I was in a room with about 15 other "candidates", some of which were to be interviewed by the same Mr. X., and some to be interviewed by other staff (from an HR standpoint, I find this unprofessional to have candidates all "huddled" together. Anyway, after a 10 minute wait, my name was called and a Mr. Z (not Mr. X as indicated when I was first contacted) greeted me, and escorted me to his office. Mr. Z did not ask me the "typical" recruiter/HR questions, in fact, his approach was more like he was attempting to sell me a vacuum cleaner, or a used car. When he completed his "script", I asked exactly which position I am being considered for, but he too just like Lady X, never gave me a direct answer, but instead said, "well we'd like to see if everyone we talk to is a "good fit" for us, and if "AIL" is a "good fit" for every candidate, but then instantly he asked me, "how is your work ethic". Mr. Z then tells me that he is going to escort me to a conference room where he would like me to sit, interact, smile, take notes, and ask questions for AIL's overview of the company, and "try to be noticed". Mr Z said this overview is necessary to see "who is a good fit". At this point, my mind is turning on all cylinders. As Mr. Z and I walk to the conference room, he hands me a "personality profile form", and he tells me to complete this form in the conference room while I am waiting for the overview to begin. The profile is 4-5 pages. When I entered the conference room, there are at least 20 so-called "candidates" already seated, filling out their "profiles", and waiting for the overview to being. At this point, I asked Mr. Z to, "point me to the direction of the restroom before I get started with the profile and overview". Mr. Z walks me over to the restroom, and greets me good-bye with, "I'll see you after the overview and have a good day". I waited in the restroom for 5 minutes, then went back to the receptionist and told her, "I am unable to stay", and I left the building and drove away in my car. AIL, in my opinion, scams people to get them in the door to a "so-called" interview, but in reality, they are looking for telemarketers/sales people; however, they never disclosed this piece of information when they initially contacted me, or when they had me meet with Mr. Z. To ask "so-called candidates" to sit for a 1 hour overview of their company, fill-out paperwork, and "try to be noticed" is beyond comprehension from an HR perspective.

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burghgirl
, US
Feb 14, 2013 4:39 pm EST
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AIL, in my opinion, scams people to get them in the door to a "so-called" interview, but in reality, they are looking for telemarketers/sales people; however, they never disclosed this piece of information when they initially contacted me, or when they had me meet with Mr. Z. To ask "so-called candidates" to sit for a 1 hour overview of their company, fill-out paperwork, and "try to be noticed" is beyond comprehension from an HR perspective.

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TAS007
Paragon, US
May 01, 2012 9:15 am EDT

I have been in management for over 25 years and if this woman called me back, I would not hire her. She presumes she knows everything in the business of hiring and if she did her homework she would of found that most Insurance companies DO NOT pay for your licence, they'd go broke. She judges the book by the cover. In the long run she will fail.

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American Income Life Insurance poor business major rip off

This company sends its sales reps to tell you how great they are and if you don't like the service that you can cancel your policy and get a full refund of your premiums. They give you prescription discount cards for your family but don't tell you the cards only work if you don't have insurance. It's all a ploy to get your money. They give your contact information to anyone and everyone. Then when you finally realize how worthless it all is and request your money back they refuse to do so and tell you you should have read your policy. It took them 2.5 months to qualify after constantly calling and harassing and then do not provide swat. Don't fall for this scam!

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I am a former employee who worked for ail from october 2010 through the end of november 2010 at the woodridge, il office under the ownership of bob olson. Olson actually was a somewhat decent guy, however his "underlings" were and are complete ### of the earth. First off, i had to purchase my own laptop and pay for it out of pocket, without any...

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American Income Life Insurance employment

I went to one of American Income Life's interviews, the things they were telling me and showing me were almost unbelievable. But I'm a curious person so I accepted a job with them. I got my licensing and completed the training. They told me that I would make $40, 000.00 in the first year. I made that in 8 months. I'm in my third year with this company and I've never had it so good. I don't know what the rest of you are talking or thinking about but I can tell you from experience that this company is on the up and up. I have searched for something underhanded with this company and have found nothing. You guys are crazy not to work for this company, we're all happy and making lots of money. If you're listening to that ole mess those people who didn't make the cut or got fired is saying, I'm sorry but you're foolish.

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MarleyT
, US
Jan 07, 2013 10:47 am EST

I received a call today to come in for an interview. I did research on the company after scheduling an interview time. Deciding to not pursue this employment I thought calling and canceling the interview was the appropriate thing to do, yes? Well, of course it's an automated answering, ok no problem. Enter the last four letters of the person last name- and each time it said, "there is no data for that entry" something like that. So I called back to leave a general vm..and guess what? Vm box is full. Really? Ridiculous ...

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Unsure?
Los Angeles, US
Jul 31, 2012 10:14 pm EDT

It doesn't make sense to me why you would write about your positive experience with this company on a complaints board? I think as part of your job you needed to write a positive review. Even when I worked at amazing places, I wouldn't go online - look for company complaints - then rebuttal them just for kicks.

weak

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EmilyV
Marseilles, US
May 01, 2012 11:15 pm EDT

I am currently seeking employment with AIL in Springfield, IL. I go to my second interview today. My husband and my father-in-law both are Union workers and have additional benefits with the company. I took the opportunity to contact my husband's rep and talk to him on the phone. He was aware of the "scams" and said that each office is different. Some are underhanded and some work their way to the top the correct way. He also assured me that in Illinois, Texas, Indiana, and Michigan are all states that have some of the top State reps that ensure the correct protocols are followed.
I was offered a MIT(manager in training) position. I will get paid my commission and residual pay as well as my employees' commission and residual pay.
Today my plan is to get an employment contract listing how I am to be paid as well as job description and requirements. Whatever is not listed will be determined as not my/nor my employer's obligation. My previous job was hell, driving up to 1.5 hrs away to get $22 for a 20 minute appointment, just to drive home and send a fax (didn't even have a land line before that job), as well as drive an additional 1/2 hr away to drop off packages at FedEx. So I know my limits. And if this job doesn't FULLY meet MY requirements I am showing myself the door.
*** My advice is to get everything in writing upon the "hiring paperwork". If they don't have something prepared then tell them to call you when they do. If they really want you as an employee they will accommodate you completely. NEVER trust hearsay. Its just unprofessional and after all, the only person with your best interest is yourself. :) Although I do hope this job works out, minus the 2x weekly travel to the main office.

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T. Spears
Marine City, US
Feb 17, 2012 7:35 am EST
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I totally agree with what the complaint said. Only difference is I worked in the Troy, Michigan office. My experience there was a carbon copy of the the complaint. Lead packs were so bad that it makes me wonder how the trainers can make as much as they say they do. I sold $2800.00 in policies and made $300.00 not the $1000.00 promised that included the bonus I was supposed to get. The training was bad, the lead packs were bad and the earnings didn't come close to what was promised. Anyone who gets a call from American Income life for employment run don't walk to the nearest fast food place and apply there. At least you get paid.

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I have been unemployed for nearly seven months. My resume is posted on several web-sites. I receive a call about managing an office for a insurance company. They were pretty sketching on the phone about the position. I scheduled an interview and went in. When I get there I am greeted by a young female sitting behind a desk. I noticed straight away that thi...

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Recently a couple months ago i got hired by AIL and i had only warehouse and fast food experience and no management training. I can tell you that The supposed scripts are real-and the money is not being reported for taxes either, that is what you will have to. Guess the next, , , , , How can i be employed without signing a non disclose form to ensure no...

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American Income Life Insurance call regarding application on monster.com

I got a call on Monday from a woman saying she had received my resume through Monster.com & I have my resume on Monster so I thought for sure, it was real. She said she was calling from AIL & they represent local unions. The longer I was on the phone, I thought something might be up, she'd ask questions & not let me finish answering them. Plus I could tell she was not paying attention to anything I was saying & I could clearly hear people in the background. She wanted me to schedule an appointment with her the next morning, when I told her I couldn't do that soon & she said well I'll just give you my number [protected] and you can call me back if you change your mind. So after hanging up, I went online because I thought AIL stood for a type of insurance, thank God I did because I saw all these awful things about the scam I could have been roped into! Then today I got another call from a different woman calling from a completely different number & gave me another different number! I thought I should share to help others from getting into this scam!

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American Income Life Insurance sounds like a scam

I had a interview scheduled today with AIL, after reading all the comments yesterday I could not sleep last night. Its sad that you like all day for a job hi and low and when you get that call for an interview you get happy thinking its your luck break until you come across something like this! Well, at least I can say thank you folks for saving my time and money from even dealing with them. Needless to say I cancelled my interview and will continue on my job search. Thank you!

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Angel864
Yonkers, US
Jun 07, 2011 8:36 pm EDT

Most life insurance companies are going to be commission only and you will have to have a state license before you start - that's not a scam, it's a state law. However, each company is different in how they operate and some will reimburse you for licensing (if you don't already have one) once you sell so many policies, etc. Some will also have a base plus commission, but this is rare. A top salesperson can make alot of money with these companies, however, it is alot of work to do so.

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Angel864
Yonkers, US
Jun 07, 2011 8:29 pm EDT

Most of the Life insurance jobs are commission only and will require you to have your life license before you can start work. Everyone is different and some will reimburse you after you have made so many sales. This kind of sales job can be very lucrative, however, it is alot of work.

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lfransen
Vancouver, US
Jun 02, 2011 1:48 am EDT

Unemployed for 21 months. Resume discovered on Career Builder. Phone call from an individual stating my resume was impressive and they wanted to schedule an interview. No job description was provided and one was requested to the private email of the caller [I requested directions - new location - and a 40 minute drive], no response. Dressed for success :-), crisp resume in hand, references as requested. Traffic nightmare, called two numbers provided to share this dilemma, no answer and one voice mail, but showed up on time due to the grace of God. Two others and I were available for this journey of four hours. Impressive marketing spill but a 50% kick back off potential sales - hmmmmmmmmmm. Over priced indeed. $587.25 in out of pocket expense, with an expectation of online insurance school, state mandated exam and licensing, background and appointment fee to be paid within two weeks of hire or on hire date. No money trees in my yard. You have to provide your own laptop for in-house presentations, don't have one. I will not lie to anyone and just perhaps I did not pass their profile test due to my ethical work practices. This opportunity cost money, more than I can afford. I am waiting for this evenings phone call to tell me if I qualify for the next round - hmmmmm - I don't think so. I will not sale my soul .. An informative day indeed.

Pacific Northwest Recruitee

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American Income Life Insurance complaining or excuse??

For all you people complaining about how terrible it is to work for AIL, and how they just lie, and make false promises, and how its somehow "immoral" to work for them, I just have to ask one question.. REALLY? First off, when you go for an interview, thats when you find out how you are compensated, not before. Thats part of the interview process. And yes it is commission based. Which if you have any sort of work experience at all the second that is informed you should know that if this opportunity is taken your new salary is based on you and how hard you work. YES you DO have to work hard for the things you want in life. American society has lost that as our foundation of being successful. At AIL, you do have to work hard to make good money. But even if you are for some reason satisfied with only achieving the bare minimum that they ask, which to someone with goals and drive is not hard work in any way, you can still make good money. Better than most people in our country. As for AiL lying and making false promises about leads and and the amount of business you can bring in with the leads. Or that it is immoral how they set appointments. First they never say that you just call their leads and you go take them their policies. They state that (the actual truth) there is no cold calling, that they service the unions and other large organizations. They use union member requests for the FREE benefits that AIL services for the unions as leads for the agents to set an initial appointment. They also inform you that from these leads, it is the agents responsibility to be personable, informative, helpful, and to gain trust in order to receive referrals, which AIL stresses more than ANYTHING. It is emphasized that the agent must work hard to get referrals, for more opportunities for more appointments, and yes more money. How is it immoral when the agent informs the member that AIL has received the REQUEST card from the member for free benefits offered through their union. They set an appointment with the member to explain the free benefits they will receive in detail, (it is good to know something like that in detail) and also to give a brief presentation on additional life insurance benefits they may qualify for through AIL, the company already servicing the benefits for their union. The member has the option to say yes or no, and is required to sign a form stating they have been informed of their free and additional benefits they can receive, and the form is sent to their union representative. To think it is immoral to inform people of the importance of protecting their own lives and the lives of their loved ones is crazy. Please stop blogging excuses about how you didn't want to work hard, or you didn't listen to all the details of your new job so it didn't work out.

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Update by stratus11
May 08, 2011 6:47 pm EDT

Well I have worked there a month and moved into a management position already. They never promised us salary plus commission. Only commission on what we sold. So you can call me whatever your heart desires. And about my comment about people stopping the blogs about not wanting to work hard, you must not have scrolled down far enough and read the blog from the guy that actually said he didn't believe he should have to work hard for money and the things he wants. Thats what i was referring to.

Update by stratus11
May 04, 2011 2:08 am EDT

And you don't depend on leads from them. That is the initial step. If you read my comments it says you make money off referrals. Work for referrals!

Update by stratus11
May 04, 2011 2:05 am EDT

Thats no way to support your company in my opinion. With all those different comments you left I am debating whether you are actually affiliated with the company.

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TypicalMango
Lakewood, US
Aug 09, 2011 8:16 am EDT

Holy Crap! I had a scheduled interview with this company tomorrow morning. Note that I said that I "had" a scheduled interview. The negative responses about AIL seem to be written by moderately intelligent people with nothing more than a cautionary tale while the positive responses seem to be driven by ill-educated drones longing to sell me something that I do not really want, let alone need. I may be wrong and I may be right, but the person recruiting me for this "entry level management" position repeatedly mistook me for a female, my name is Stacy but I am a male, and during a brief phone call, twice told me that she could not find my resume, although she was still trying to do so, within the 300 resumes she had received that week. I playfully baffled her by asking her whether or not it was the resume boasting my Food Service Skills or the resume proposing my Truck Driving Skills that had made me seem a worthy candidate. She told me, in effect, that it didn't really matter which resume she had seen, but that she had been impressed by either or both and personally believed that I would be a good fit for their comapany. I kid you not. She sounded nice enough, but let's not fool ourselves... she would have invited me in for an interview with "one of her associates" even if I had admitted to her that I killed puppies during my last job as Head Puppy Killer at Puppy Killer Industries and that I had earned that position after proving my skillls and determination as Assistant Kitten Killer at Kitten Killer Industries... you get the point, right? Final point: Never work for a company that has the word "recruit" anywhere in its mission statement.

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mld10
, US
May 18, 2011 11:28 pm EDT

Again, stratuss11, thank you for proving my point. I always find it funny when, as you clearly state, someone who has only been in the business for a month claims to know what they are talking about. Congrats on the promotion, you will soon see that they hand them out like candy. As to the ONE blog stating that guy didn't work hard ignores the other hundreds that actually have something viable to say.

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mld10
, US
May 04, 2011 9:08 pm EDT

The original commentator for this post is clearly the typical, young, naive, inexperienced person that AIL preys on in their recruitment. Head and heart looks like it is in the right place but he/she is sadly misinformed.

Fist of all, the union member is not "required to sign a form stating they have been informed of their free and additional benefits they can receive." They get those regardless if you visit them or not. Secondly, most agencies (Colorado may be different) do not explain the commission/payout structure to prospective employees upfront. In fact, most of the posts on this and MANY other sites clearly show how agents are misled about the compensation package. Many agencies inform new agents that they are "salaried, plus commission" when in fact there is no salary component. Finally, your remarks, "Please stop blogging excuses about how you didn't want to work hard, or you didn't listen to all the details of your new job so it didn't work out" are indicative of the normal AIL retort to it's ex-agents. Just because someone left the AIL (for better opportunities elsewhere) doesn't mean that they didn't "cut it" or work hard. They just wised up to the sham that is AIL and decided they had enough. This is something that you will experience yourself in the next 6 months (since AIL has a 5% agent retention after 6 months). And when you leave, can we call you lazy and not hard working?

OzzyOsborne
OzzyOsborne
Soddy Daisy, US
May 03, 2011 2:56 pm EDT

I am an AIL Regional Manager in southeastern TN and I have to say, your idea of what this company does is slightly correct but not how the agents make money. Yes, people get these benefits for free but when the agents set up and go to appointments they spends hundreds in gas (assuming they even get enough leads which often they won't) and they ONLY make any money if the people apply for additional benefits.. Now I can make money because I am amazing at this job and I am a not a regular agent but if you are, you better quit because there's not much money to be made. AIL is a great place but not if you want to make money as an insurance agent

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American Income Life Insurance felt rip off

My husband and I, purchase policies for the entire family maybe from 2005, every month they receive our payments. Last year, we got 13 letters from them at once telling us that our agent was no longer with them and our policies are laps. This did not make any sense to me so I call them and I told them I don't care if your agent is not working with you all anymore how can our policies laps when we are making the payments.
They gave us the run around and using these words that we don't understand only them because that is their field. When they saw me disputing with them, they started to offer me to reintegrate the policies, I refuse because now I don't trust them anymore.
They also told me that I could surrender wich I did because I did prefer to get something back than to loose all the money invested for so many years, they gave a piece of check for my husband and another piece for me and for the children nothing.
I did report this to the Insurance association in Colorado and itwas a wasted of my time because they had no solution than to tell me to send it in writing.
I feel like a fool, rip off from our hard working money, and that there is no justice for the little people.
The money invested was not worth it for what they gave us back. There have to be a way of putting a stop on these croocks because I think they getting away with too much from the poor, because they using the fear factor.
Today we have no private life insurance for the family in case of death the children would be protected.
A similar case happen to us with Guarantee Reserve Life Insurance who sold out to Reassure American Life Insurance Co, they got their montly payment today directly from my bank and two days after they send letter saying we are not paying them so we going to laps also, so we had to surrender the policies because we also could not trust them, I search te net for the company and they could not be found or they was under a different name, the bank Director even spoke to them and their employee slam the phone at her so, she gave me a history deck from the day I started my payments and told them to send me one and they gave me maybe two papers. I have proof of everything I am writing.

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Betty Muschar
Pittsburgh, US
Aug 20, 2012 3:31 pm EDT

American Income Life Insurance, Waco Texas, refuses to pay on paid policys and keeps a very large portion of your money when you drop a policy. They want a form signed to free them of liability before they send a check to the beneficiary, even after you send them your policy and all info. They rip people off, they are so dishonest.

OzzyOsborne
OzzyOsborne
Soddy Daisy, US
May 03, 2011 6:27 am EDT

Stop being stupid. My name is Ozzy. I founded this company. I love you. Don't complain

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American Income Life Insurance scan

AIL is a scam. I worked at AIL for less than 2 months. For the AIL supporters yes you can make money but how can you look yourself in the mirror knowing that you are calling to set up an appointment to go over a "Free Insurance Policy paid by the Union" only to slowly twist the person into feeling ao guilty about dieing and leaving his family without insurance coverage that they buy something that they can not afford. Yes more people need insurance coverage but not the overpriced minimal coverage that AIL is selling. IF this is such a great product with such as need why is the entire presentation and initial phone meeting not open and upfront about its purpose. The answer is because if they told the truth upfront no one would give them the time of day. Secondly because the sale is based on guilt rather than logic most people simply cancel a few months out. After leaving AIL for a couple of months and just starting to forget about the company they sent me a bill for commissions that they paid me on policies that canceled. While speaking to the accounting department in Waco Texas they tols me that commissions are only a loan and that if the policy canceled I had to repay the company. I immediately asked where this info was in writing and I was shown a one line sentence on my contract that I stated I would be responsible for any money borroewed from the company. When I asked for the section that explained that commissions where a loan they had no comment and asked how I woudl be paying back the money.
If you want to make money selling insurance please join a reputable company that is not so ashamed of what they do that they won't even tell you why they want to come into your home.

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American Income Life Insurance billing dept.

I had stop automatic withdraw two mo. ago-I now make my payments by phone wet an a billing agent. A payment was made [protected] @ [protected] all payment were made. And on [protected] a automatic withdraw was made for $ 244.86 . I had went to my bank to stop an ACH debit on my checking account on [protected] @ had to pay a $28.00 fee to stop all payments withdraws. A fee that should be return to me I did not make the billing mistake. I had been on phone two agents on [protected]. And the angents were unified with this matters.

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Update by Rosetta Solkiewicz
Mar 26, 2011 3:13 pm EDT

I do agree !

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Melanie Mad
, US
Jan 30, 2018 4:46 am EST

I stopped payment on Jan. 15th 2018 and they are still taking money out of my account! They rip you off run don't but insurance from American Life ever fro anyone reading this!

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Be4real2
Chicago, US
Apr 01, 2011 9:13 pm EDT

What has hppened as of 4/1/2010?

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Be4real2
Chicago, US
Apr 01, 2011 9:12 pm EDT

What has happened as of 4/1/2011?

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Got a call at 4:30pm from a Concord, CA company (AIL) regarding my resume on Monster, which is an odd hour to be recruiting I'm thinking. Said they had an opening for a union representative position working with union members helping them understand their member benefit options during open enrollment & make any changes at that time. Base + incentive...

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American Income Life Insurance scam!

I was contacted by AIL after my resume was reviewed on CareerBuilder.com. Mind you, I am an RN & have absolutely no experience with insurance or sales whatsoever. I thought it odd that MY resume was reviewed because I specifically posted for RN positions but thought maybe this might be a good opportunity to make some quick cash.

As I did more research about this company, I honestly could not find much information on their website, or any other website for that matter, which I found extremely odd. Plus with claims of being the #1 union insurance company I found it odd that ive never even heard of this company...especially since I live in a mill town.

I took a chance anyway & drove 45 minutes to my interview. I had forgotten the suite number so I got on the internet on my phone to look it up. Immediately when I typed AIL into my info bar all of these scam claims & class-action lawsuit information came up. I was intrigued so I read a few...luckily. I didn't even go into the interview after reading what this company has done to people. I was appalled & frustrated. I should have listened to my gut instead of wasting gas money on a phony job opportunity.

I'm just glad I didn't waste 2 hours of my life listening to lies, thanks to everyone's posts. So people, listen to me & don't waste your time on this company. Fortunately I only wasted gas money, peanuts compared to what some of these other people have been through.

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American Income Life Insurance scam

I found a thread on another site that saved me from buying into this scam... I received a phone call this morning from a woman in the "human resources department of AIL, in Central PA, " She claimed they had a copy of my resume and wanted me to come in for an interview. When I returned the call, it went straight to an answering system that asked for all of my contact information.

Since I have never posted my resume online, and the last time I was job searching was several years ago, it was fishy right away.

the number was [protected]. I found several threads in other forums addressing the scam. My number is a cell phone, and it's on the do not call list. I'm very careful about sharing it, so I cannot figure out how they obtained it in the first place.

I could see people who are already job searching fall for this scam easily. I find it completely disgusting that someone would use the current state of the economy to their advantage in that way.

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Rick Roller
, US
Dec 16, 2015 5:33 pm EST
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raining and Development Manager-FT! (Downtown Tacoma, WA)

I just wasted 90 minutes on what I was lead to believe was in interview for a Training Manager position, but what it really turned out to be was this company in Tacoma Washington scam to recruit people to sell their insurance. Even during the pre-interview, I asked and insisted that I was not there for a sales position, that I was told I was being considered for Training Manager (See add below from craigslist)>

Your asked to stay for another interview, but that is actually their strong arm sales pitch, similar to a time share. I felt trapped, but finally had to get up and leave. I have a job, thought I was doing an interview for maybe a change. I told them I did not wish to spend all day there, I was on my lunch break, they told me 30 minutes tops. After 90 minutes, I had to leave. They told me that after beings a sales person, then I could be a training manager. BAIT AND SWITCH.

© craigslist - Map data © OpenStreetMap

(google map)

compensation: Please submit compensation requirements
employment type: full-time

What are we hiring for? We're hiring a team member for our Training & Development Manager Position. We are part of an international record breaking team that has a history of winning for over three decades.

Why us?

We promote from within. Seriously. All our managers and even executives started in entry-level jobs across the company. We encourage career development & don't hold people back. Our practice of cross-training supports lateral & vertical career moves.

We are fun. We take our work seriously, but never ourselves. We have a casual work environment.

We are growing. We have tripled in the last decade & just grew 35% in 2014. As we grow, more opportunities open up for our team.

We work as a team. Our work environment is open & collaborative. Everyone is "empowered" to own their job & we don't micro-manage. Initiative is encouraged & rewarded so you can run with your ideas.

We have a good culture. We care about each other & encourage each other. We also have fun on a regular basis. Seasonal parties, pizza lunches & associate awards are part of our rhythm.

We help our people grow. Personal growth & professional development is more than a mantra. We give our team members new opportunities to learn at each step. We also let people focus on what they are good at.

We pay well. In 2014 our top 10% of earners averaged $160, 330 and our top 5% did $221, 503.

Why you? Do you like to take ownership & initiative? Do you enjoy figuring things out? Do you feel good when you help someone? Do you like to talk with people & can you establish rapport easily? Do you have common sense? Are you decent on the computer? Do you like working hard & getting results? If you can honestly say yes to most of these questions; and a fast paced & sometime chaotic work environment doesn't stress you out...then we can teach you the rest!

How to apply: Send your resume & tell us what your top three strengths are. No fancy cover letter needed.

*Position is full time, located in Downtown Tacoma in the financial district & looking to be filled immediately.

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batman309
York, US
Nov 24, 2009 4:19 pm EST

THEY KEEP FRIGGIN CALLING ME! I TOLD THEM NO A MILLLLLLLLLLLLLLLIOON TIMES! WHAT DO I DO?!?!

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aLmaaa
, US
Jul 22, 2009 10:02 am EDT

I just received this following email:

Your Resume/Management Position

Attention Applicant,

Earlier this week I received your application / resume from one of the Job Boards that our company works with, (Monster, CareerBuilder, Hot Jobs).

However at this time the only contact information that I have is your email address as your phone number did not load properly.

I am interested in setting up a first interview with our Regional Director at your earliest convenience.

Please contact me Wednesday or Thursday at [protected] between 12:30pm and 3:00pm so that I can schedule your interview.

Sincerely,

Liz Horetsky

Human Resource Manager

AIL

702 Lisburn Road

Camp Hill, PA 17011

Phone [protected]

Fax [protected]

THANKS to all of you i replied back with a "NO thank you" I do really need a job but I don't remember ever applying for this company. Hopefully other people do the same and research for this website.

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usavet
Wilkes-Barre, US
Oct 02, 2009 8:31 am EDT

Just received an e-mail saying the EXACT SAME THING. I am certainly glad I went to Google and found this page. As before, I did not know what AIL was and of course started searching the internet to find out what AIL was. The email stated, " Attention Applicant,

Earlier this week I received your application / resume from one of the Job Boards that our company works with, (Monster, CareerBuilder, Hot Jobs).

However at this time the only contact information that I have is your email address as your phone number did not load properly.

I am interested in setting up a first interview with our Regional Director at your earliest convenience.

Please contact me Monday or Tuesday at [protected] between 12:30pm and 3:00pm so that I can schedule your interview.

Sincerely,

Liz Horetsky

Human Resource Manager

AIL

702 Lisburn Road

Camp Hill, PA 17011

Phone [protected]

Fax [protected]

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epennyp
Norristown, US
Jun 13, 2013 8:50 pm EDT

any employer that would require you to put up over $200 to get a temp license is not a legit company. I have worked for many insurance companies and they did not require any money. they trained you and helped pay for testing. these jobs are like a pyramid scheme, they bring you in and then get friends in.

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landkat24
Hanover, US
Apr 10, 2012 7:10 am EDT

Just got a call today...After reading this I had to call back and cancel the interview. VERY disappointing. But hey I'm glad I read these posts before I went to the interview!

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Abrielle
lynnwood, US
Jul 21, 2011 9:20 pm EDT

They May ahve gotten your cell phone number from a friend of your who worked there or a family member, if you posted your resume on any site for a job while job searching yer resume is seen around the world, anybody can have access to it and of course youll have you phone number on your resume or else how would an emplyer get ahold of you? honestly i think your blowing this way out of proportion and you need to take a chill pill! this is not a scam i know from personal experience, i am an HR manager here at AIL. and no im not just saying all thsai because i work here i say all of this because i have been behind the scenes and this company is not a scam in any way, they ask you if youd want to invest in it, you can say no its not liek they make you since you came to the interveiw they dont take yer social security number, and they dont take yer money and leave you hanging, if this company has been in business for so long they cant be a scam, dont you think if they were theyd be shut down by now? honestly take a fat chill pill and get yer facts straight before you come on here and run yer mouth about stuff you dont even know, yes we interveiw alot of people but does that mean that they all get hired? no, we have a 5 step interveiw process before we even hire you what scam would do that? a scam would juast hire you on the spot without getting to know if yer the person they need. you people who are coming on here and bad mouthing this company need to learn more about it instead of listening to people who have just as much info as you do and just make up stories because you have nothign better to do with your lives. Grow Up!

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ceciliamachelle
, US
Dec 21, 2009 8:45 am EST
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That's crazy. I was so excited about this job, too. They called me this morning asking to set up an interview tomorrow at 9:50 AM, & it was short notice, so I figured I couldn't make it anyway, but just to be safe, I searched the address along with AIL. All I found was scam sites. I went back to careerbuilder, and there was no AIL on the entire site. I am so happy I didn't follow through with this. THANK YOU EVERYONE! :D

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American Income Life Insurance lies

I have worked for AIL for over 4 years. The general policy of this company is to recruit sales agents to push the over priced, small amounts of insurance to the non-educated, working class, single parent home, rural, urban families. My boss used to refer to certain clients as ghetto, and white trash that didnt know anything about life insurance, so they will buy anything, "its all about the presentation". The office that I work for will lie to clients to get banking information so the agency can get paid. We have and will tell clients that we will not draft their accts. until they call back, but once the client signs the bank auth.form we do send it in to home office to be drafted the for the date it was signed from the client, even tho we did verbally assure the client that we will not draft. The office that I work for will pay intial payments and also pay for the clients policy to be reinstated(put back on the books)in order for the agency to be paid. Basically AIL targets low income families and union workers with the promise of free child safe kits, or no cost benefits thru the unions, and in actuality we are there to sell over priced insurance. Also we buy resumes from careerbuilder and monster jobs in order to call job applicants. The applicants are promised free training, free leads and resources. Once they have paid for class $120, paid and passed the state exam $150+, we then charge WEEKLY $120+ for the free leads and appointments set. Overall a rip off. And the overall understanding of all agencys is that is we can get 1 recruit to sell our insurance to 2-5 people we have made a profit. After that they can quit..So good luck to anyone involved with AIL.

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mld10
, US
Aug 31, 2011 8:30 pm EDT

Hey Rainfire, you still with them? I doubt you are.

2conscience
2conscience
Jefferson City, US
Jun 17, 2011 8:19 pm EDT

that's my outlook...

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Rainfire
los angelas, US
Mar 06, 2011 1:37 pm EST

Wow. This is a total and complete lie. I am amazed by some of the garbage people are allowed to post on the internet. When a person accepts a job for 100% commission, they have no one to blame for their inability to succeed but themselves. Its hard to look at oneself in the mirror and say, "I am a failure because I did not use my time or resource correctly." It would be much easier to blame an entire company for one's failure. For those of us who are intelligent, I will say this, the day you let the internet dictate your success and your destiny is the day you have surrendered your own ability to think for yourself. Never let anyone's poor experience keep you from achieving your goals. Remember that internet garbage is a one sided story. You may be agreeing with a lunatic . Who knows why this person was not successful. Perhaps he had anger management issues that could not be controlled. Or maybe, he was not a bright as he thought he was and would do better working as a w2 employee. Whatever the reason, it takes an angry vain person to post such negative garbage with the sole purpose of keeping your from realizing your ability. I would like to invite all readers to the ailife.com website to view the increase in stock and client base. I love the company that I work for and the clients that I serve. They are happy with their products and come from all different walks and backgrounds. From the businessman to the farm hand, I will always be there for you to handle your insurance needs. May God bless you.

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American Income Life Insurance too many emails

im always getting emails since a year from them about getting a job, why not the people who suppose to d something in authority do something or uncover this scam of American income life insurance.. Perhaps help me
howard should look into this and televise it..

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American Income Life Insurance misleading and dishonest

I got a job w/ American Income and turns out they are the most misleading company I've ever come across. They first tell you they have very qualified leads and make you believe these leads totally know what this is about. When asked what this is all about we were told to tell them they're receiving items at no cost to them. This way the lead would actually set an appointment. But when the agent gets to the house they try to sell them life insurance.

American Income also says your an Independent Contractor. Two to three days out of the week we were required to drive up to the office to make calls and set appointments. We weren't able to leave until we had at least eight appointments for each of the next two days. And considering the actual quality of their leads that could take up to six hours... Free labor.

Also they assign you a mentor that is supposed to just be there for you to learn from and lean on. They call you all day long to check up on you and make sure your working. If you had an appointment that didn't show they have you knock on peoples doors that you couldn't get a hold of on the phone. Half the time the people didn't even live their anymore. All of this had to be logged ( down to the minute) so they can see what you did that day.

Basically you work six days a week... far from independent huh?

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COMPLAIN-O
, AO
May 07, 2011 12:38 am EDT
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Hey... it was FUN to phone the toll-free phone number on my email and (1) insisted on talking to Roger Smith. Or (2) ask to leave him a message. ((I mean he read all our resumes, wrote us all nice letters, surely he'd like to speak with us. Plus i wanted to ask him what was special about my resume.)) (3) asked the person answering if they believed their CEO in Texas of a $13 billion company was (a) looking at resumes in Canada; or (b) the letter was a 100% LIE, and asked them if I should respond to an email that is a 100% LIE. ...fun to hear the person squirm.

OzzyOsborne
OzzyOsborne
Soddy Daisy, US
May 03, 2011 7:07 pm EDT

My name is Anthony Osborne, CFO of American Income Life and Regional Manager in Southeastern TN. Need help learning how to work your way up in this company? shoot me an email: anthony-osborne@utc.edu... I collect a salary of over a million per year and I can teach you the tricks!

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Rainfire
los angelas, US
Mar 06, 2011 2:00 pm EST

Will all of the miserable people plesae stand up, so we can get together and feel sorry for ourselves and blame someone else for our missed opportunities. Let's join together with individuals who may be mentally insane or mentally challenged. Lets trust people we never met before. Lets believe in the writings that we read on the internet everyday. Lets base our entire lives on one persons experience.

Wow. What a sad soul. Another under acheiver trying to influence the general population to ease the pain of his failures. This is a total and complete lie. I am amazed by some of the garbage people are allowed to post on the internet. When a person accepts a job for 100% commission, they have no one to blame for their inability to succeed but themselves. Its hard to look at oneself in the mirror and say, "I am a failure because I did not use my time or resource correctly." It would be much easier to blame an entire company for one's failure. For those of us who are intelligent, I will say this, the day you let the internet dictate your success and your destiny is the day you have surrendered your own ability to think for yourself. Never let anyone's poor experience keep you from achieving your goals. Remember that internet garbage is a one sided story. You may be agreeing with a lunatic . Who knows why this person was not successful. Perhaps he had anger management issues that could not be controlled. Or maybe, he was not as bright as he thought he was and would do better working as a w2 employee. Whatever the reason, it takes an angry vain person to post such negative garbage with the sole purpose of keeping you from realizing your ability. I would like to invite all readers to the ailife.com website to view the increase in stock and client base. I love the company that I work for and the clients that I serve. They are happy with their products and come from all different walks and backgrounds. From the businessman to the farm hand, I will always be there for you to handle your insurance needs. May God bless you.

As for the person that canceled their interview, keep sitting on the couch eating twinkies. Did you even look at that growth the company is experiencing? Of course you didn't. You are one of those reality tv watchers who like drama. You love to look at the negative and never the positive. You did the person who wanted to interview a favor when you canceled your interview. You are far to weak.

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btkv
Renton, US
Jan 31, 2011 8:03 pm EST

Thanks for the warnings about this company. You've saved me a lot of frustration!

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MKat30
Philadelphia, US
Jan 27, 2011 9:02 pm EST

I figured this sounded suspicious when I got a call earlier this week. Luckily I had to cancel the "interview" due to the snow storm yesterday. I got a message to reschedule, but I will not even bother to call back. Thanks for sharing your experience. I'm Sorry that you had to go through that though!

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dongotta
, US
Jan 22, 2011 6:39 am EST
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Well I had an interview for AIL tomorrow at 9:30, but I wanted to do my research so I can come into the interview well prepared. But after reading the overwhelming amounts of disclaimers, I think I'm just going to cancel the interview, and spend the rest of this night watching movies...thanks for saving me gas.

Overview of American Income Life Insurance complaint handling

American Income Life Insurance reviews first appeared on Complaints Board on Sep 17, 2007. The latest review American Income Life Insurance was posted on Oct 16, 2023. The latest complaint employment was resolved on Mar 05, 2016. American Income Life Insurance has an average consumer rating of 3 stars from 145 reviews. American Income Life Insurance has resolved 59 complaints.
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  1. American Income Life Insurance contacts

  2. American Income Life Insurance phone numbers
    +1 (800) 849-4820
    +1 (800) 849-4820
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    +1 (800) 433-3405
    +1 (800) 433-3405
    Click up if you have successfully reached American Income Life Insurance by calling +1 (800) 433-3405 phone number 0 0 users reported that they have successfully reached American Income Life Insurance by calling +1 (800) 433-3405 phone number Click up if you have UNsuccessfully reached American Income Life Insurance by calling +1 (800) 433-3405 phone number 0 0 users reported that they have UNsuccessfully reached American Income Life Insurance by calling +1 (800) 433-3405 phone number
  3. American Income Life Insurance emails
  4. American Income Life Insurance address
    1200 Wooded Acres Drive, Waco, Texas, 76710, United States
  5. American Income Life Insurance social media
American Income Life Insurance Category
American Income Life Insurance is related to the Insurance Services category.

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