American Income Life Insurance

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.

I worked for AIL. I can tell you things that would shock you. Some i am pretty sure is illegal. ok. i will start from the beginning.

I worked for AIL pittsburgh. When i was recruited I was told 1250 a week if i made enough for bonus. That never happened. When you go into the interview they say no cold calls, they supply fresh leads. Let me tell you about some of these leads. After 2 weeks of 12 hour days I got my lead pack. I had 80 "fresh" leads. I called my first 5 leads...each person told me the same thing. They all were just talked to 5 minutes ago or so by another associate from AIL and gave me their name. It was someone sitting 10 feet from me. After another 3 hours of calls I was chewed out a couple dozen times, hung up on a couple times and the rest were already talked to. Out of 80 FRESH leads. 30 were already talked too. 20 didnt answer. and the last ones sent the yellow card in 2 years ago and were policy holders that were lied to.

so then i worked off my referrals. That is the only business i had. The one man was charged more than the business i submitted.

Also while i was working there I was approached several times to take orals for fellow agents so they can submit their business on time. I refused, but people kept asking, do you smoke. oh can you do me a favor. Im pretty sure faking an oral and forging a signature is illegal.
Then one lady i had didnt have a checking account. only a savings. So on the paperwork my boss put someone elses account info in the paperwork then wanted me to send in a change of account form to block the other account. When she wanted to pay cash but didnt have the money yet. They wanted me to pay for her, then cash the check she would later give.

My friend was getting screwed over bad. so he decides he had enough. Once they saw me talking to him they started to hound me. I would get a couple dozen texts daily from them knowing where ever i was. I would be in the office. right there, and i would be getting asked where i was. When i would leave early. i was weak and not 100 percent in.
It was hell. do not waist the money there or your life. you never get it back. I worked 80 hours a week, and was still treated like crap. DOnt tell me i didnt work hard. I sold my soul to the company only to be told i couldnt go see my family and i was not committed to the job after i lost a family member to cancer.

I agree with most of these complaints I've read. I also received a strange phone call from a # I did'nt recognize, so I did'nt answer but instead attempted to call the # right back. No one anwered and there was no answering device to leave a message or at least find out who was trying to contact you. Instead, the caller left a message on my answering machine asking me to call them at a totally different #. I called that # to be greeted by a woman telling me that they viewed my resume on Career Builder's website and thought that I was perfect for what they were looking to hire. How they figure I was the right one I don't know. My resume indicates NOTHING about selling anything. My college degree says A.S. Private Investigations, not Insurance salesman. My interview is scheduled for today but thanks to your comments and complaints, that interview will be cancelled. Thanks again everybody.

I was suspicious about an unsolicited e-mail asking me to call a number because he had received my resume, I never sent one to them. I thought that perhaps, one of the recruiters sent my resume. His e-mail stated that he had a management position in his company, his signature looked to identify him as belonging to a recruiting agency, not an insurance company. Then during my call to him I was told that this person was in the 'corporate office' and that they would have one of the "hiring managers call me". A call from someone who identified themselves as a hiring manager with American Income Life Insurance seemed too much like a sales pitch. He claimed that the company was listed as one of the top 100 companies to work for on the Fortune 500 list and the #1 company to work for on Yahoo. I have not been able to verify this information. During our conversation I had already declined the invitation to interview, after reading these comments I am really glad that I followed my instincts.

You arent an employee of the compant, you're an independant contractor. Therefore, it's not AGAINST THE LAW!

Wow. I have been up, down, and around the internet for the last two hours checking up on American Income and I have to tell you, when it's 30 to 1 odds that you will find something bad on this company, it can't be a good sign. I recieved a call from them out of the blue earlier today and was told I had an interview. I am glad I decided to look them up. For one, I live pay check to pay check and don't have the money to even get started with them. Two, like most other corporations they lie, lie, lie to their employees. That is a huge reason I am looking for another job. I work with home depot and they treat their employees horrible. It's amazing the stuff these people can get away with. But there is another reason I am writing. Anyone can challenge me on this if they would like and I am sure you will. Truthfully I don't care though because I won't be back to read this. This is merely for the sake of the hard working American. Say you have a commision job and you work 65 hours a week but make only $5.50 an hour after it is all said and done (I live in CA where the minimum wage is $8.00/hr). YOUR EMPLOYER IS BREAKING THE LAW! You can contact the BBB or Labor Board and they will gladly sue the ### out of them and compensate you for your losses. An employer, no matter what you sign, no matter what your commission is has to at least pay you minimum wage for your work. If you work overtime, they have to pay you overtime (Unless you are paid a salary no less than 32, 000). They CANNOT make you put in the time and not pay you, NO MATTER WHAT! So, if you do work for this company in California and you are not making the commission but you are putting in the hours, they have to at least pay you for those hours, unless of course you are making more off the commission than you would minimum wage...even if it's only cents more. Don't forget to add your overtime. Anything over 40 hours is considered time and a half. Two, an employer HAS TO pay you 52 cents to the mile for any job related driving if the company does not insure your car under their own policy. If they are not, THEY ARE BREAKING THE LAW! The reason I know all this is because I have had the opportunity of getting my hands on a CA Employers Handbook and have been to a few seminars on the laws and regulations on how employers must treat their employees. So, keep track of your hours people and the miles you put on your car between clients. Just a little heads up to help keep some of that money in your pocket. Oh, and as for not paying you for the training, well it sucks but they don't have to pay you. If you aren't on the books but you show up anyway, don't expect to get paid. That is your own fault. As long as their is no record of you being an employee, you are screwed when it comes to getting paid for the training. But, if you fill out a W4 and sign all the other crap that comes with getting hired onto a new job before the training and they still don't pay you, then THEY ARE BREAKING THE LAW! Remember if they are doing any one of these three things contact the Labor Board or BBB, or both, and they will take care of the rest for you. It's sad to live in a world where every single job offer you get you have to look up and make sure it isn't a scam. I have had three job offers this week, and all three were scams. That's pretty sad. Whatever happened to being able to walk into a business and talking to people face to face? It was much simpler that way. If anyone wants to question my facts, look it up. You can find all of it here right on the internet. As for the other states, I am not so sure what the laws are on employee rights.

R Clement: How am I not supposed to take that as an insult? You pretty much said that I'm not an intelligent person. I would hate to hear what you have to say when you mean to insult someone! I understand what your saying but I guess I don't care! I'm doing whats right for me and I can give a ### what anyone else has to say about it. The point is that I didn't just jump into it. No one ever lied to me about what I was getting into. I knew what to expect. Just because this opportunity isn't for everyone doesn't mean people need to come on this site and bash AIL. This is not an easy job and it takes a lot of self discipline, self motivation and sacrifice. If someone doesn't possess those attributes then THEY WILL NOT MAKE IT! I'm an MGA for the company and I love what I do. I'm honest and up front with everyone I talk to. These comments ruin it for managers like me that are trying to build a team of honest, hard working people.

And your right for people like you life insurance isn't lucrative. But fortunately it is for me, maybe because I know how to sell it.

I see your comments on here all the time. Don't you have something better to do?

Katie:

I hope you know that you don't have workers comp as a 1099 employee. I really hope you have E&O insurance as well, i'm not trying to start an argument but when I worked for AIL I didn't have that coverage. E&O is very important, if you don't have it please look into getting it because you will be held liable in Court if you are charged with anything-all sales people should have E&O insurance but AIL never told me that. ALso, many agencies provide expense accounts, in fact most do. Learn a little more about insurance and you can branch out and sell P&C products, life insurance really isn't that lucrative. Try and become a broker if you are serious in your industry. As someone who worked for AIL, I realized I didn't know anything when I was with them but I took that experience as a stepping stone onto much bigger things! I promise you AIL is not a good place for any intelligent person to work. If you are a former convict or have very little education (not trying to be insulting, seriously) then it may be a good thing for you because of the limits of obtaining a better job somewhere else. Do not limit yourself to AIL if you have an education and a clean record!

Lauren- I love it how people come on this site and bash a company they know so little about! I am one of those "dedicated employees" and I make more then 10.00 an hour. In fact my first year with the company I cleared 75K. Instead of wasting your time talking about things you have no idea about, spend it looking for a job. Oh and please tell me what insurance company provides a cell phone, car and a lap top. I am in business for myself it's not AIL's job to provide that stuff for me. Every company is different. AIL does great things for the families we work with. How do we use a "ruse" to get into people's homes? Buy giving them free stuff that their family will use? Yeah I can see how that's a ruse! Do you know some of the unions we work have NO health care? So the things we're able to provide is all they have. I am proud to work for this company!

NOT A SCAM

First of all Cindy, if you are a true recruiter, you would know that people do NOT have to put graduation dates on resumes. Do you know the reason why? It is to prevent discrimination based on age. But being the successful HR person that you are, you knew that I'm sure, but would like to know peoples ages so it would save you time from calling high school students and or other parties who don't meet certain "criteria".

I can't believe how many people from that company respond to my resume indicating that I have skills to sell. I get at least 1 e-mail a day. ROFLMAO - I have never been, nor will I ever go into sales. These people don’t read your resume. They select everyone on the page, send out a “mass e-mail” and move on to the next page. Being a recruiter I have access to all job board postings and can review resumes. Mass e-mails are unprofessional and not personalized. It takes about 10 minutes to send out 100 letters. It’s a numbers game for them. Throw out a line and leave in the water long enough you’ll eventually get a bite.

No one should ever pay someone to find them a job or maintain their job. If you are really interested in insurance sales, yes you have to have training and licensure which cost money up front. However, reputable companies provide, cell phones, laptops, toll free numbers, business cards, license reimbursement, some even provide company cars and/or car allowances and/or mileage reimbursement. They don't use a "ruse" to get into peoples homes either.

I'm sure if you deducted the mileage, wear and tear on the car, the cell phone bill, number of hours worked per week, etc., (are employees covered by workers comp if they are involved in a car accident on the way to a client or sales call?) you would see there is not that much money to be made. The dedicated employees would see they are making about $10.00 hr. You can make that in retail sales and get commission on top without having to drive all over town and work 65 hours a week.

Get a real insurance job with a reputable company. Any company that cannot answer all your questions on the phone doesn't deserve your time or your skills. The next thing is they would want you making those same calls to people to get them in the door.

Lauren

I see more and more resumes come through with no graduation dates, no completion of anything and when we call 9 times out of 10 the person has been out of highschool at least 5 years and graduated. A resume is supposed to be a document to impress possible employers to want to make them call you. Most can not even type a sentence without spelling errors. We all make mistakes, but have someone double check your work. I work for AIL and we take our recruiting very seriously. We review each and every resume before we contact that person and we do not contact everyone. I do not call anyone that can not complete a template on monster or career builder. It is amazing how many people believe what they read. I guess that is why so many people don't have a career or a job and their resumes have been posted for over 6 months. Stuck at the same place and still trying to get out? An interview wheather good or bad is not a waste of time, but consider it a learning experience. If you don't take a chance and experience how will you ever know if that was for you or not? Just because I read a book does not mean I can write a book or could I. Never know unless I try.

This place has terrible management and expect you to work your a** off. Even after giving notice and completing my two weeks they kept my commission check and I've now filed a complaint with the Labor Board. Stay far away there are many legitimate companies to work for with excellent ratings. Believe all crap reviews because I worked here...terrible company

I interviewed with them 3 times and was told there would be continuous training and you would always have the support from trainer's and managers Ha! What a joke my trainer was arrested and in Jail for 2 days, I was passed around like a yo-yo . I was also told that there was base pay. I never did understand the payouts of bonuses I think they did that on purpose. If you want to work NON stop trying to make appointments and use your gas trying to make it to appointments only to be stood up. I was always honest about showing them benefits that where what we sold to the police unions and the child safe kits were legit.. I think the policies were good, it was just the greediness of the managers and the weekly expectations from agents that made this company bad, they bring people in like herds of cattle and if you are not prime they kill you off, Just Be honest about hiring policies Tell people there is NO base pay.

I wouldn't have any complaints against them, except that I responded recently to a job advertisement looking for a customer service representative. That's what I do. I don't do outside sales--nothing wrong with it--it's just not my thing. they called me back...and it was for an outside sales position. The guy I talked to was very nice and said it was listed as customer service and called such "because that's part of it, but most of your job would be setting your appointments and going out on sales calls." Again, I have nothing against outside sales: when done ethically, it's legitimate work. What I dislike is that they felt a need to misrepresent the position. Why, in this crappy job market, would a well-established company like this one feel a need to blatantly lie in a job ad? It left a very bad taste in my mouth that they would do this.

Let me make clear again: they did not contact me out of the blue, stating honestly what the job was and saying they thought my skills would be a good fit. They posted an ad for what they said was a Customer Service position in an office setting, and I responded with that in mind. It's like hiring someone to deliver pizza, but you maybe deliver once a week ad the rest of the time you spend running errands for the manager.

I interviewed with the company and common sense told me you have to have a license to sell insurance. I looked at the cost of going to school to do this and taking the test. Way more than what they charge. This was not a scam. No you won't make money at first you need some clients. You are not as someone previously posted cold calling strangers. You call current clients who have not had an agent visit them in over 6 months to 1 or more years. You don't get gas money. This is a career change and they can train you and give you the leads. It was not for me as most of the hours are evening and weekends days and nights when families are at home together. It is hard work and takes time to build yourself up and make money. It is not a scam it is real.

I showed up for an interview, on time and well-prepared. The suite I was to go to didn't exist, the company was not listed in the directory even though it was the exact address I was given. I waited in the lobby assuming that someone would direct me to the new meeting space (The original one was under construction and had yet to be assigned a number) and no one ever came to greet or meet me so I left.

So I recieved a call from this company saying that my resume fits what they are looking for. The whole point of me looking for a new career is so that I can make more money to give my kids the things I never had. But why would I pay money to make money? That takes the purpose out of it. Im hearing from more people than not that this is a scam. If I had $750 to just throw around I would not be sitting here looking for a new career choice. I would be on vacation. I think I have seen and heard enough to know that I will not be calling them back. Glad I was on here first. Nate, Denver CO

Funny thing, my resume on CB reads that I was a school custodian for years and then a nurse aide. They call me up and tell me I would be a good fit for them after reading my resume, HUH? Really. I can go from cleaning toilets, cleaning rear ends to selling ins. Wow, only in America.

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!

I worked for AIL. I can tell you things that would shock you. Some i am pretty sure is illegal. ok. i will start from the beginning.

I worked for AIL pittsburgh. When i was recruited I was told 1250 a week if i made enough for bonus. That never happened. When you go into the interview they say no cold calls, they supply fresh leads. Let me tell you about some of these leads. After 2 weeks of 12 hour days I got my lead pack. I had 80 "fresh" leads. I called my first 5 leads...each person told me the same thing. They all were just talked to 5 minutes ago or so by another associate from AIL and gave me their name. It was someone sitting 10 feet from me. After another 3 hours of calls I was chewed out a couple dozen times, hung up on a couple times and the rest were already talked to. Out of 80 FRESH leads. 30 were already talked too. 20 didnt answer. and the last ones sent the yellow card in 2 years ago and were policy holders that were lied to. They cancelled their policies. Then one couple was from a shut down office and forgotten about. They called every number they had and they were forgotten. I felt so horrible for them i met with them, told them about their policies and left. THen was yelled at for not selling more to them. They didnt need it. In order to meet with the future clients you are told not to tell them you are trying to sell insurance. You are told to tell them they have an accidental death benefit that they are entitled to for whatever reason and child safe kits (a brochure and ink strip) and a health services dicount card that i tried to find local providers. Closest one. harrisburgh. I live in pittsburgh. I get there are explain the benefits and then tell people i will use an expert simulator thats uses 3% of their net pay.

so then i worked off my referrals. That is the only business i had. The one man was charged more than the business i submitted.

Also while i was working there I was approached several times to take orals for fellow agents so they can submit their business on time. I refused, but people kept asking, do you smoke. oh can you do me a favor. Im pretty sure faking an oral and forging a signature is illegal. My good friend who left with me after working there was hounded twice as hard as i was. His job was threatened if he didnt do it.
Then one lady i had didnt have a checking account. only a savings. So on the paperwork my boss put someone elses account info in the paperwork then wanted me to send in a change of account form to block the other account. When she wanted to pay cash but didnt have the money yet. They wanted me to pay for her, then cash the check she would later give.

My friend was getting screwed over bad. so he decides he had enough. Once they saw me talking to him they started to hound me. I would get a couple dozen texts daily from them knowing where ever i was. I would be in the office. right there, and i would be getting asked where i was. When i would leave early. i was weak and not 100 percent in.
It was hell. do not waist the money there or your life. you never get it back. I worked 80 hours a week, and was still treated like crap.
They have a terrible turn over rating. because it is impossible to work for a place that does lie.

If my bosses are sooo rich and the MGAs are soooo wealthy. then why did they all live together. If they did not play football together. I doubt they would be where they are.

For all of you posting on this page whether pro or con for AIL, the claims of the salary that you can make is not worth the trouble working for them anyway. Come on, $800.00 to $1200.00 a week, that is nothing after taxes and all your other misc. deductions. You can’t raise a family or lead a decent life on that kind of income. Most of AIL’s employees couldn’t even pay my mortgage note with their entire monthly paycheck, much less all the other things that it takes to survive. Also I have not heard any responses on retirement plans, 401K, medical insurance, dental insurance or any other benefit that is offered to their employees. If this is such a good company, I would think that the benefit packages would be a very lucrative one. The only reason I have taken the time to sit down and write this is because my son has fell for the “sales pitch” that AIL gives, not an interview. All I can say is that we all work for the same reason, to make money and survival. For all the young people that AIL recruits, if you are happy with $1000 a week, more power to you. You will find out pretty quick it takes more than that to live well.