American Income Life Insurance’s earns a 2.6-star rating from 1 reviews and 146 complaints, showing that the majority of policyholders are somewhat satisfied with their coverage and service.
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stay away if looking for employment
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.
I left the interview when I realized it was a cattle call, and before filling out any of AIL's paperwork, and before listening to their overview. Didn't want to listen to their scam any further, and as I said I left and did not give AIL the opportunity to hire or not hire me.
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.
The complaint has been investigated and resolved to the customer’s satisfaction.
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.
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.
The complaint has been investigated and resolved to the customer’s satisfaction.
cancel my account please
I am cancling my account now
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!
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.
The complaint has been investigated and resolved to the customer’s satisfaction.
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.
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.
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.
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!
The complaint has been investigated and resolved to the customer’s satisfaction.
stay away from these liars!!
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 reimbursement, just in order to get the job. Then i had to load their crappy computer program, which even after i removed it, has crippled my computer and slowed it down to turtle - like speeds. Then there was the "training. " i use that word rather loosely because were weren't being trained to sell insurance at all. It was all about how to lie to the customer to get them to do what you wanted and bilk them out of hundreds of dollars of their money so that ail could make money. Half the time, the person who was supposed to be leading the training session wouldn't even show up so we had to sit there and waste time. By the end of the two weeks, my training class of 15 people was down to 4 people. The people training us didn't care if we understood anything since they were in such a rush to get us out on the street.
Next were the people that supposedly held positions of power there. I am not afraid at all to name these people because i want everyone who reads this to know what sleazy ### they were. Their names are mandus buckle, cherie adams, and matthew barrion to name a few. Ms. Adams would frequently get up on her high and mighty horse and belittle the rest of us who weren't as good at lying and stealing as she was during out afternoon meetings. She often told us that we needed to talk to our inner city clients in a "ghetto" or "black" manner, even though ms. Adams herself is african - american. I found this particularly off - putting. Then there was mandus buckle, my boss. This guy was, and still is, an egomaniacal narcissist and steroid abuser who propositioned himself to every attractive female employee that worked there with the promise of more money and better leads if they slept with him. His boorish behavior was absolutely disgusting! Often times this clown would single me out during meetings and humiliate me in front of my coworkers. When ail let me go, which was a blessing in disguise, this spineless coward didn't even have the stones to look me in the face when he fired me - - instead he sat with his back to me the entire time like he was some sort of big shot or something. I was extremely pleased to hear from my former up - line manager, the one decent human being that worked there, that mandus buckle was later fired due to an overwhelming amount of sexual harassment claims from various female employees.
Now on to the actual job itself. The lead packs that we were given often times was made up of leads that were well over 2 years old that were simply union workers that filled out a card requesting that we enroll them in their free benefits which was a $3000 accidental death and dismemberment policy. Once we were in their homes, however, we were to show them the fancy pants lap top presentation and try to get them to hand over their personal checking account information to purchase an outrageously priced $30k whole life policy. In addition to this, i spent numerous hours of my day in a very dangerous area of the west side of chicago "door - knocking" to set up potential future appointments and meeting with prospective clients, most of which were broke to begin with. There were many nights that i put myself in danger driving and walking alone through these neighborhoods in the hopes that the crackhead that i set an appointment with on monday was not going to blow me off that wednesday when i showed up for the appointment. Several of my coworkers even had their cars broken into while they were on appointments. I honestly felt that i needed to carry some sort of weapon to ensure my safety while performing my job. Not exactly a great working environment if you know what i mean.
I have since went on to work for a very successful and legitimate insurance brokerage and i must say that there are way better opportunities that ail out there. Do not listen to the propaganda from idiots like rainfire or michaelail. They are simply spewing the company lines and i have seen rainfire post the same thing on several other links. They will try to tell you that you are lazy or unmotivated or not "ail material" and that is why the people who have made these legitimate complaints have not succeeded at ail. Do not believe it! It is all [censored]! Please people, as a former employee, stay away from this company! They are no good!
Please be advised that the above complaint regarding Sexual Harassment within the Torchmark-AIL-National Income Life Insurance Company, is correct. As a former female employee myself, sexual harassment tormented the female employees. This was endured by the " ALL" male management team in Farmingdale, New York division. I left the company immediately, as sexual harassment wasn't the only workplace violation that took place, at that location. There were numerous EEOC Laws broken, and when brought to the attention of a manager, it was laughed off. I plan on bring a lawsuit against this company, as I have more than documentation to prove the broken EEOC laws.
Also, please note, there is no HR or Legal and Compliance division, in the New York Locations. It is all fake. Just like their advertising tactics, of employing members of their staff. They lure people into " the New Offices" thinking they are interviewing for 2 different types of salaried Management positions, and the next thing you know your spending $250 in cash or $300 on your credit card, and taking a licensing course, in Life Insurance.
Like I mentioned above, the main illegal activity is sexual harassment, and it needs to ceased. This company needs to pay.
Now what do you say with this ? Huh torch this!
Torchmark’s bad faith insurance practices
According to the aaj report, torchmark and its subsidiaries, globe life and accident insurance company, united american insurance company and liberty national insurance, have been accused of bad faith insurance practices, such as:
Discriminating against minorities. Torchmark has been accused of discriminating against minorities by using race - based underwriting practices and refusing to provide insurance to non - english speaking persons. Liberty national paid $6 million in a lawsuit where the insurer charged black customers a third more than white customers for burial policies.
Lying to policyholders. Both globe life and united american have been accused of lying to elderly policyholders by telling them that their insurance would be discontinued once they reached the age of 65 – even though the policies were guaranteed for life. In 2003, united american settled charges in minnesota of pressuring elderly clients into buying more expensive insurance that provided fewer benefits than they already had.
Engaging in fraudulent activity. United american agents were accused of sending out mass mailings to the elderly concerning medicare supplement insurance. However, they merely used the mailing as an opportunity to sell other products. Ironically, the scam was reported to authorities by one of the company’s own employees.
Freeadvice.com survey: 50% or more of torchmark’s customers very unsatisfied
According to customer satisfaction ratings on freeadvice.com, 50% or more of torchmark’s customers are very unsatisfied with the insurer and its subsidiaries. Here’s how survey respondents rated the insurers:
Globe life and accident insurance company
Extremely satisfied: 0%
Very satisfied: 25%
Somewhat satisfied: 25%
Unsatisfied: 0%
Very unsatisfied: 50%
United american insurance company
Extremely satisfied: 29%
Very satisfied: 2%
Somewhat satisfied: 0%
Unsatisfied: 7%
Very unsatisfied: 61%
Notes: since torchmark is a holding company for subsidiary companies, survey information is not available for torchmark individually. Survey information was not available for liberty national insurance.
Customers posted the following comments about torchmark and its subsidiaries on the website:
Terrible customer service, nobody knows what is going on. Nobody returns emails at all, and only on person who said they would return my call ever did. I am going on over a month now getting a refund on a premium that was not supposed to be debited in the first place. I cancelled my policies and would not recommend them at all. – referring to globe life and accident insurance company.
They misled us about the coverage and were overall very unhelpful. The amount that was covered was actually surprisingly limited. I would not recommend them to anybody. Regardless of their decent price. . . Pay more to get better coverage. – referring to united american insurance company.
Notes: since torchmark is a holding company for subsidiary companies, customer comments are not available for torchmark individually. Customer comments were not available for liberty national insurance.
If torchmark or one of its subsidiaries has acted in bad faith regarding your valid insurance claim, contact an attorney whose practice focuses in this area of the law. Consultations are free, without obligation and strictly confidential. To contact an experienced insurance attorney, please click here. We may be able to help.
Freeadvice.com survey: 50% or more of torchmark’s customers very unsatisfied
According to customer satisfaction ratings on freeadvice.com, 50% or more of torchmark’s customers are very unsatisfied with the insurer and its subsidiaries. Here’s how survey respondents rated the insurers:
Globe life and accident insurance company
Extremely satisfied: 0%
Very satisfied: 25%
Somewhat satisfied: 25%
Unsatisfied: 0%
Very unsatisfied: 50%
United american insurance company
Extremely satisfied: 29%
Very satisfied: 2%
Somewhat satisfied: 0%
Unsatisfied: 7%
Very unsatisfied: 61%
These ten companies were named the worst insurers in america for denying claims, raising premiums, refusing insurance to those who need it most and many other reasons:
Allstate
Unum
Aig
State farm
Conseco
Wellpoint
Farmers
United health
Torchmark
Liberty mutua
Try to debate this. These look like real people telling as it is ! This is where the rubber hit the road, how claims are paid.
AM. INCOME LIFE STALLING ON PAYING CLAIMS?
American Income Life Complaint by Patrick_88061
January 20, 2010
I fell off a ladder on July 22, 2009 and was in the hospital with 2 operations. Broke my wrist and broke my heel on my foot. On December 11, 2009 Michelle at American Income Life said she received the info my wife sent them for the claim. On Jan 5, 2010 my wife talked to Cheryl at American Income life and she said they hadn’t made a decision yet. On January 12, 2010 my wife talked with Crystal at American Income Lifeand that she would call my wife back. Crystal didn’t call my wife back but she did receive a call from Nancy from American Income Life on January 15, 2010 asking my wife to fax the info we had sent them as they couldn’t find the paperwork. On January 19 my wife called to ask about the status of the claim and wanted to find out what American Income Life was going to do. She was put on hold for literally 1 ½ hours waiting with noanswer. At that point she gave up and emailed them!. On Jan 20 my wife again call American Income Life and was put on hold for another hour:. She then gave up and called the Albuquerque New Mexico office!. The man in Albuquerque says he would call her back and also gave her another number to call so she could get a live personinstead of a recording?. When she called the number she was put on hold with the same recording?. She then hung up and called back and explained to the receptionist that she had been on hold with that recording before for hours with no one answering and burning up cell time?. We’ve spent more time calling American Income Life than what we would spend on our normal monthly cell bill;. Does anyone have a similar story? Does anyone have any suggestions besides calling the Insurance Commissioner? 5647af
1. Written by FAX Documents and phone to con on April 4, 2011
I have a very similar experience. When I purchased life insurance, I was instructed by the sales person that if I had an accident, the payment would be process very quickly (within 3 days it would be deposited into my account). The sales person explained it would help with immediate expenses after an accident. I had an accident and was in the hospital. My wife filled in all the forms with the medial team (which cost over $200) and couriered them to AIL. A week later my wife called and AIL stated they never received them. My wife couriered the forms again to AIL. A week later AIL informed her they had lost the documents (even though they had signed for both). AIL asked her to fax the documents. Three weeks later we received a payment (took almost two months). Now, I just received a letter from AIL asking that the hospital fill out the forms next time or we will not receive payment. The hospital did fill in all the forms. AIL lies and only want to sell you a policy. The customer service after you have signed the contract is horrible. Shop around before you purchase. I really hope my daughter doesn’t get this type of service from AIL when I pass away. I am very sad I went with AIL as when a family suffers a loss, the last thing they need is this type of run around...
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.
Salesmen are born not made. Stop Whining and get a 9-5 if you can't sell then its not your bag.
What an incredibly defensive statement. I worked as a phone setter for this awful place for ONE WEEK. I was paid $125 for 40 hours, not to mention unpaid training. I later got a job, and was the TOP seller in my district. I brought in more revenue in one week than most of my associates did in one month. So don't give me that load of crap. This company is rotten. Hope they are dealt with.
HORRIBLE COMPANY. FAKE AS CAN BE. DON'T TRUST THEM. -From a former employee. They lie to potential employees, just tell you what you want to hear.
I hope people realize that this is just a small sample of stories. If this company was this bad I'm sure that they wouldn't have a Triple A rating. The insurance industry is HIGHLY regulated and would not allow them to sell insurance in 49 states, Canada and now in Ireland! The insurance business is very difficult and it is not for everyone. It is hard work.
I feel the exact same way you do. I was told I would be working out of Ventura County (my home county) since they wanted to open an office out here, but instead my leads were in the dangerous parts of the San Fernando Valley. I'm 5'3", size 2, and look like I'm under 18, and I had to go to my leads by myself. I met some nice people on my appointments (the ones that didn't no-show) me, but was in unfamiliar territory and scared to death. Needless to say, I found a better opportunity with State Farm, and am going back to school to follow my passions. But your experience is nearly exactly mine, and I only wish I researched more than what I did before I signed on with them.
(I posted this under the wrong topic by mistake - oops!)
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.
The complaint has been investigated and resolved to the customer’s satisfaction.
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 ...
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
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.
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.
stay away from these guys
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 this was not a typical office. No computer or phone on her desk, not much but clipboards, blank resumes and a sign-in sheet. I signed in only filled out a small part of the application since I had my resume, as she directed me to do. In just a few minutes a gentleman came out of a office and questioned me to come in. We sat down he told me how lucky I was and how they had picked my resume out of 1000's. Then he took me to small conference room where, along with others, I would be given a description of the JOB. Afterward there would be another personal interview. There were about eight of us that sat and listened about how fantastic it is to work for their company. How in just a few years we could be making $100, 000 if we were really dedicated. Then started taking people back for their second personal interview. I was the third person to go in. I was told that since I was more mature they would like me to be a manager in charge of training others. Then they slide a piece of paper over and questioned me to fill it out with my credit card information to pay for the class to get a State Insurance License, which was $280 and I would additionally have to buy a lap-top computer if I didn't already have one. I told the guy that I want to reckon about it and I had another interview across town that I needed to get to. He stated I should go ahead and fill out the slip so I wouldn't have to come back. I told him for a second time that I wanted to reckon about it. He then told me I neede to be back before 4pm or he would have to give the position to someone else. I said okay and left. The more I got to thinking about it the thought came up…"if it is to excellent to be right…it probably isn't right". Then I thought about the young woman that was standing in front of the desk as I was leaving. It dawned on to me that the guy that had been talking to me had told the person behind the desk (now a young guy in a suit) not to let her leave until she had "the slip of paper" filled out. The more I thought about it the "shifty-er" the whole office seemed. A desk in every office a picture or two and a company banner. No phones, post it notes, pens and nothing personal existed in any of the offices. I did not go back or call them back. When I got home I found the other comments on this website. I thank God I did not fill out that "slip of paper" with my credit card information on it.
Many companies will do an initial group interview these days. When there are so many resumes that are sent to a company, some have resorted to this. I used to work for AIL in 95, it was a totally different company then. My manager was very helpful, and I knew what I was getting in to. I had leads, and my appointments were set for me. I did well as far as selling, but it didn't pay anything, so I left.
If you are going to write complaint reports here, why don't you all report the managers to the state insurance office, as well? You are allowed to do that! Insurance agents/brokers are bound by a code of ethics. If ethics aren't shown, report them. There are fines, suspension of license, etc. that can happen. Managers/brokers are a dime a dozen these days. Anyone can work into management, but it doesn't mean they should, or that they'll be good managers.
There is a lot of money that can be made as an insurance agent, so don't let this company sour you on insurance. People need it!
I'm sorry that you all had this kind of experience with this company. It's just plain sad to me that people are treated this way. As an insurance agent, I'm called pretty frequently by them for an interview. I refuse to ever be captive again, there's just no money in it!
Good luck to all of you, I hope you find what you're looking for!
I was just called this past Saturday and was given the same speil. They wanted me to come into their office for an interview on Tuesday (today). When asked what the position was, I was told Entry Level to Managment. I still hadn't been told the name of the company. I told them I couldn't make it on Tuesday and Thank You.
I was then called again today for an Interview appointment. I said OK. I now have an appointment for Thursday. I was finally given the name of the company and the address as well as the name of the interviewer. I then asked where they had gotten my resume since I had no recollection of applying with them. I was told "from ower Recruiting Department".
Now, I had been put through this same set up about a year ago. At that time, since I live a couple blocks from the address, I drove by just to see where I was going the next day. There was no sign, and the office looked empty from a distance. So, I pulled up and got out to look in the windows since I was beginning to think I had the wrong address. The offices were completely empty. No furniture, nothing. My appointment was for 9am the next morning. The address was correct from what I was told. So, I went for the appointment. Lo and behold, when I arrived at the address, there was a sign, a Better Business sticker on the door, a reception desk, chairs, desks the whole works in an office that was completely empty the evening before. But, no office phones (only cell phones) and no desk computers (just what appeared to be personal laptops). There was a copier (I found the box behind the building) but there seemed to be no office supplies (staplers, folders, reference books, etc. No personal items on the desks or even extra pens. It was like a stage set. I was greeted by the same gentleman I have the appointment with this time. He started his speech and didn't answer any of the questions I posed to him. All I could do was start to laugh. I got up and walked out laughing and loudly saying "What a joke!".
I'll go again this time just to challenge them and chat up the others waiting for their appointments. It should be fun. Hopefully, I can impress upon the other interviewees than they are being sucked into a scam.
Oh, I drove by the office again this evening. Different sign, but the furnishings are in there like I would expect since they had appointments for today. But the office wasn't there last month when I had to go to the Lab next door for a blood test.
To RickAltigsucks: So happy you spoke your mind to AILetsgetit. You are absolutely right! And it is the principle of the matter to begin with. You don't have to lie and scam people into working there. Why not just be up front. But, after all, they do have people like AILetsgetit working for them - that fell for their crap. And I, too, highly doubt that AILetsgetit is even legit! Probably someone within the company just lying again and trying to make them look legitimate.
I, too, was called but they had three positions open in their seven new offices that they had just opened in the area. I have been a legal assistant/paralegal for over 20 years and also posted a resume online (Monster, etc). as I am unemployed and working at home right now. The three positions that her manager was considering me for were management, benefits rep and/or customer service rep. Well, it's a far cry from customer service rep to management which was first red flag. Then I was told that entry level positions paid $60, 000 to start. Second flag. She was very pleasant (too pleasant) and very vague. Just gave me the name of her manager and an address for interview. Told me to bring tablet and pen "just in case I was to stay for orientation." Orientation for what? I was very suspicious and started researching company. Couldn't find anything but scam, scam, scam.
What will they think of next? Can't even trust that a job isn't a scam these days! And by the way, all of you that left during your so-called interviews - GOOD FOR YOU!
I left the interview when I realized it was a cattle call, and before filling out any of AIL's paperwork, and before listening to their overview. Didn't want to listen to their scam any further, and as I said I left and did not give AIL the opportunity to hire or not hire me. AIL, in my opinion, uses deceptive recruitment practices.
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.
To AILetsgetit:
Without you telling us you were 22 I could have guessed how young you were based off of your naivety and lack of real world experience. You are EXACTLY the type AIL hires, a mindless drone without an original thought it your mind. You are completely missing "Smiley77's" point which is that he was lied too in order to get him into the interview and was lied too again one he was there. And please don't even compare what you "do" to a doctor or dentist. Yes, they have to pay for their licenses and practices (although most hospitals give signing bonuses to help offset those expenses, but I digress). But their profession is no where as low as yours, slumming funeral policies to unsuspecting union members. His attitude has nothing to do with the EXPERIENCE he went through with AIL. In fact I would submit that his attitude was very professional given how he was treated.
Finally, please tell us who you are on AIL's spotlight, if you have made what you say you made (highly doubtful) then you should show up in AIL's spotlight magazine. Put your money where your sadly misinformed mouth is.
O and for the guy who wrote the post, maybe someone who's been unemployed for almost a year should take a look at their attitude and appreciate a company that would even consider a person who obviously has no confidence in themselves. Remember, beggars can't be choosers...
I'm commenting on smileys comment. The start up fees is what bothered you? That seems to be a problem in today's attitude of "everybody owes me something". Do hospitals pay for doctors schooling? I think not. Do dental offices pay for their dentists training? Nope. Trust me, that's what I was going to do before joining American income. It's a VERY small investment for an incredible return. I'm 22 now and if thing continue at the rate they have been goin then this year will put over 119k in my pocket. This company is a blessing for giving someone like me a real chance at success, and I find it very offensive to hear people talk so in such negative ways about something they either spent two weeks at and when they didnt have a manager to write business for them and had to do it by themselves but weren't cut out for it, or we're too scared to actually open their mind to an amazing experience. O well that's just more money for meeeee!
So I received a call after replying for a Customer Service position with AIL. I asked immediately if it was commission only and was told it would be discussed at the interview. I went in to the interview and eight other people were also waiting for interviews. I waited until I saw a gentlemen, who stated the position paid $45, 000 to $50, 000 per year. You make more if you work overtime. So I received a call later that day for a second interview, which was two days later. There were sixteen people at this "interview" and we were told about the company. We were also told that it is a commission only position, no paid training, and that it would cost $!29.99 for a class, $185 to get licensed, and $65 background check, which WE are supposed to pay for. After spending an hour listening to the gentleman speak, he informed us that he could only bring us on if we could pay for the class that same day. This was not mentioned until we got there.
If you are in need a job, don't even bother with this place. If you have $400 that you may or may not throw away, depending on your ability to sell, give it a try, but know that you may not receive that money back. I'm very disappointed and frustrated that so many Customer Service Positions that are now listed are SALES jobs. Job seekers beware.
scam revealed.!
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 corporate secrets were disclosed...or give them my Sin number...any sign any forms at all...NONE. ?
I guess im a ghost in the business,
i could have been a homeless bum with 10 warrants for murder and have no ties to the system... and yet i was hired to hire people ?
Somethings wrong here.
Yes u do have to pay for the sales classes to make the sales agents money but thats normal since who wants a dumb ### selling anything like that, but the certification is not valid anywhere else for any companies.
Some people do get rich some go bankrupt but STAY AWAY...
I do not want to work for any company that don't even ask me for my SIN-Address-or supply certified checks.. Yup they give hand written checks that most banks will hold 8-10 days to ensure it clears..
IF...
Also as i type i can not for the life of my expert computer use find anything on their "A++ in the BBB", but im looking still.
And i was given the hiring job to interview people with no experience.
Any body from monster or career builder is going to be called by them since the bought the rights to print every resume they receive, literally..that is my job to call all of them in and have them watch the presentation and want to get hired, so they can get to interview # 3 and say yes i want this job then i get payed after they pay their "class" fees..
yes i ### you not that is how "i" get payed... the more people i bring in the more chances someone will say ok i will do this and then be stupid enough to "pay" the class fees and certifications so i get payed.
If my money comes from the "class" fees or from the company i am not sure.
Day 1 i spent 6 hours calling 145 people, one by one by one.and same as day 30-60 and more,
I think i died inside a little doing this, then each person asked a question like..."I did not apply how you get my number"
"what is the job" (of course i had a handy script for that one) my best one was " Im 15 i have nothing on my resume but dog grooming for 5 weeks and you want me as a insurance salesman or manager ?" lol I know, he said that laughing at me and yes i laughed too and felt sooo bad i told him i was just bugging and hanged up..
Yea this is my job. and all the retaliations you will see about the company from agents or directors are the lucky ones making money there and i cant say id blame them for wanting to protect their money flow.
but hay its one man opinion right ?
i think i have become a terrible person for working for them and i will not take this any more,
Please forgive me if i have called you and i will see my church for counsel because i feel like i swindled people that were already down on their luck.
Mind you the job seems cushy but its not for me, I will revert to poop scooping or any thing else that i can keep my soul. And feel like i did something .
If anything i can reinforce this note by telling you all to do one thing... one thing it will take you 5 minutes to secure my statements,
Call one, , ,
Say someone called you for an interview and say your available. they will book you...
better yet submit your resume, edit anything out that has management skills of any kind... they will call you. and say you have what it takes.
walk in... you will be handed an interview, , , and still say you have what it takes and if you can stay or come for the info presentation.
Also if you call they use a script.. lol runs on the lines of we are an supplemental insurance company to credit unions and such and blah blah..
or my Hr forwarded your resume and i believe you have what it takes with us... and blah blah..
Seriously.. its funny but if i had i walk in ..and i do.. i take resume and set up interview and just file the resume, as proof of my quota for interviews of that day,
same with calls, i call and then tell them "script" of their resume is great and i want to put them in an interview,
just think about this, Again only an employee opinion and just do some research.
Its your call.
The complaint has been investigated and resolved to the customer’s satisfaction.
These scammers got my contact info from Monster. I had to register with Monster for Ohio unemployment. I will be filing a complaint with Ohio Attorney General's office.
Thank you so much for the warning. I was called this morning and set up an interview for tomorrow. I started my research and found your warning. I just called and cancelled the appointment. Thank you again.
AIL Is NOT one of the top 10 insurance Companies... Actually it sort of is.
Check out Justice.orgs list of the top 10 WORST insurance companies and there you will find Torchmark.
Torchmark=AIL.
Torchmark is an interesting specimin.
1) - They have a history of race based premiums
2)- They have a histore of selling policies with teaser rates that skyrocket in a brief period of time. One man in mississippi bought a life policy with a premium of 83.00$ which more than doubled in less than 2 years.
3) They harvest prospects using bait and switch tactics. Most notoriously back in the mid 90s for sending out panflits about medicare programs to senior citizens. When the seniors replied an agent would book an appointment to "deliver" an information packett, but would arrive to use high pressure sales tactics to sell life policies.
Nowadays, Torchmark is a holding company for 7 or so Smaller life insurance companies. Including Nilico, AIL, United American, etc. All of which use the similar prospecting tactics.
DISHONESTY TO HIREES
They deceive all the way and that is the heart of the scam. I cannot speak for all agencies. But in NS Canada. AIL recruiters advertise the job as 40-60k salaries. During the 'orientation' the man in charge tells you that you earn a salary equivalent to 500$ a week at least. He said that if Your commission for that week exceeded 500$, youd get your commission instead. He also said that each week, you are alloted 200$ to cover fuel expensives. ALL lies...
COMPENSATION:
AIL is all commission, which is legal. However, a large portion of your paycheque relies wholly on bonus.
Their f***** up teired bonus structure makes it so that your bonus ranges between 0.00%-17.5% of your sales.
Your actual commission is about 30% (actually it is 50% of your sales, but you only get to see 60% of that 50% up front)
After some solid weeks, you can see 1, 200.00$ a week. But one slow week bumps you down to the lowest bonus teir.
Which makes your paycheques somewhat lowsey.
AIL also tends to hold up sales on you. As in, they arbitrarily find ways to hold up your commission.
Such as requesting a saliva same for a policy that would not need one... such as an accident policy.
By arbitrarily holding things up, this messes up your commission and bonus entitlement.
As for fuel compensation. There is none, however if you make 1000$ or more in sales youll see a 167.00 bonus... A far cry from the guaranteed 200.00$...
DISHONESTY TO CLIENTS:
AIL goes on the record by stating that it values honesty and integrity first and foremost. But in practice does no such thing.
It was a JOKE!
During my training, I'd witness my manager rebating, lying, bait and switching, and still not get the sale.
Your job as an AIL agent is to first and foremost book appointments. You do this by COLD CALLING leads. Which is fine, having sales experience I am comfortable cold calling. Although, the job description clearly says NO COLD CALLING...lol
Anyways, your job is to essentially say to the lead that their free union benefit package has arrived and that you need to gain their signature. When you deliver the free benefit package, you are then trained to hard sell and make the sale using any means at your disposal.
Some leads are POS or existing clients. The spiel with them is to claim that you are there to review some policy updates, and then sell them more insurance OMG. Although Ive never laid witness to this myself, I have heard of agents going in and telling the client that they need to sign some new ammendments. These "ammendments" were actually just forms to open up a new policy which typcally jacked their premiums up another 20 or so dollars.
I never saw anyone do this, but I had been encouraged to do this by coworkers... I personally thought that this was depravity defined and could not do that myself.
TAX FRAUD :
The higher ups at aIL are SLY! My manager has in the past put his sales in my name. I never got the commission, but the commission cheque would be made out in my name. What would happen is, hed walk me down to the nearby bank. Have me deposit the check and hand him his portion in cash. I caught on rather quick to what was happening. It happened twice. First time, he said it was to get me coded... the second time... well there was no reason so I asked him to stop.
I asked other low level salespersons there, and their managers did the same thing. Sometimes they'd do it every week.
By doing this, your manager gets to fly under the taxman's radar, and in fact YOU get nailed with the taxes by your government...
All in all. I cannot recommend this business. Steer Clear.
There are hundreds of commission based sales careers out there. All of which pay just as well as AIL...some even better.
Decent car salesmen make between [protected]$ a month. Some make more.
Those guys who go door to door for your local cable company, they easily see 500-1500$ a week.
During my time with AIL I saw an average of about 350$ a week after you factor in fuel expenses.
Im still in the insurance game though. I work for a company that doesnt compete with AIL, because it is in a different class altogether. Ive averaged about 900$ a week after fuel and expenses.
There are other GREAT sales careers out there. Dont waste any time with AIL
so they came to my house got my SSN
and bank account info.. Am I being scammed?
They are a f****** scam, trust me. They hold an interview, at the end of it they tell you they like you, 5 minutes later they hold group orientation, convince you how they are an international company and all that ### to join them.
That's just the beginning. Then they tell you you need an insurance license to be able to sell insurance policy. The exams (there are two) cost a total of $500. They are exactly the same exams, they say. 4 hour long, ultra-heavy material to study. In the end, they say you might quality for the job.
Now, I didn't do their stupid exam to begin with. I was smart enough to cancel it after I booked it because I realized how ridiculous it is to wait for a month or two just do be able to get in the company. I needed money fast. Even worse, I realized they only pay commission. So in the beginning if I didn't know how exactly to sell insurance, I was out of luck.
So I cancelled the exam only to realize they wouldn't give me a refund. I don't take "No" for an answer. I called a million places immediately. First I called my credit cad company and let them know of a fradullant transaction of $400 (first exam). They cancelled my account first. Then I called PayPal through which they charged me. They opened a dispute. Then I called the police fraud department and let them know what happened.
AIL told me I signed the papers, but nowhere in the receipt they gave me did it mention anything about a no-refund policy. The people I called, basically bombarded AIL with phone calls. They were losing their heads so much that they would YELL AT ME in their email. I had to deal with this lousy, sadistic ### named Sonia who later told me everybody was so afraid of her that they called her "sir". She called and said "Hey, we've got you on audio and video, you bet we're going to win this, bye!" and hung up the phone. 2 hours later, she called me and said "I am so over this, I'm going to pay you out of my pocket, I want you out of here!"
So I set up an agreement between us, with PayPal being the middle man. I showed up at their "office", returned the booklets they gave me and they gave me my refund.
Mind you, they are not shy of dropping the F bomb every time they talk. One of the directors told me they started this business from the ghettos of Los Angeles. So they are anything but professional.
Conclusion: AIL is a scam. Stay away from them.
All I have to say, if you are looking for a real job this is not it. It's scam 100% and I feel bad because a lot of the people like me who show up to the interview looking for a better future, and what you get are some sick people trying to make you fall into their scam. You see all kinds of people show up for the interview so you know they will make some money of some of them.
Also, you may be taken more seriously if you take some time to check your spelling, punctuation and grammar.
I have done a little research, and yes, AIL has a handful of posts slapping them about how they are a scam. Well I put your complaints to the test. I was out of a job, and I love a dare. After reading multiple complaints I dove a little deeper. Yes American Income does demand 120% of your time, and does not spend a dime on you; very odd in today's word where company's spend thousands to train. However in most companies that claim they spend this much via their expense reports... really only regurgitate the same crap from one employee to the next and more times than not... give you a light seminar, hand you your manual and toss you in to see how you fare. American Income is a 100% commission job with a tiered bonus scale. The harder you work, the better you train, the more you sign, the more you make; is not any more complicated than that. The twist is that this is an old fashion format that started in the early 1950s back when this type of job was common place. We are not used to it, and when confronted by half handed interviews and tossed out in the cold to speak with strangers with minimal support it is unnerving, even insulting to most. However there is no scam, or redirect in that event, the goal they are after is to find people who are not scared to jump in feet first, plain and simple.
Out of the Top 10 Insurance Companies out there, American Income is number one with the lowest number of registered complaints to the Better Business Bureau and in the last three years has received less than 100 complaints. Not only that, not one... complaint has been filed for lack of payment, or inability to honor their agreements, not one.
State Farm a company everybody knows and loves right... in the last three years has received more than 1000 complaints.
I am not picking on State farm, simply grabbed one of the big names out there that everybody knows. Do your homework before raging.
I will agree that the kind of job they are offering, is not for most of us, it is not what many of us are used to. However the pay scale is legit, their policy's written are solid and their reputation for pay out is among the strongest in the industry.
Austin Texas
I feel the exact same way you do. I was told I would be working out of Ventura County (my home county) since they wanted to open an office out here, but instead my leads were in the dangerous parts of the San Fernando Valley. I'm 5'3", size 2, and look like I'm under 18, and I had to go to my leads by myself. I met some nice people on my appointments (the ones that didn't no-show) me, but was in unfamiliar territory and scared to death. Needless to say, I found a better opportunity with State Farm, and am going back to school to follow my passions. But your experience is nearly exactly mine, and I only wish I researched more than what I did before I signed on with them.
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!
The complaint has been investigated and resolved to the customer’s satisfaction.
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!
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.
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.
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
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.
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.
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!
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.
The complaint has been investigated and resolved to the customer’s satisfaction.
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.
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.
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?
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
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.
The complaint has been investigated and resolved to the customer’s satisfaction.
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.
Stop being stupid. My name is Ozzy. I founded this company. I love you. Don't complain
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.
The complaint has been investigated and resolved to the customer’s satisfaction.
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.
I do agree !
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!
What has hppened as of 4/1/2010?
What has happened as of 4/1/2011?
agent farming
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...
Read full review of American Income Life Insurancescam!
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.
The complaint has been investigated and resolved to the customer’s satisfaction.
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.
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.
THEY KEEP FRIGGIN CALLING ME! I TOLD THEM NO A MILLLLLLLLLLLLLLLIOON TIMES! WHAT DO I DO?!?!
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.
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]
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.
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!
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!
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
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.
The complaint has been investigated and resolved to the customer’s satisfaction.
Hey Rainfire, you still with them? I doubt you are.
that's my outlook...
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.
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..
The complaint has been investigated and resolved to the customer’s satisfaction.
Overview of American Income Life Insurance complaint handling
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American Income Life Insurance Contacts
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American Income Life Insurance phone numbers+1 (800) 849-4820+1 (800) 849-4820Click up if you have successfully reached American Income Life Insurance by calling +1 (800) 849-4820 phone number 6 6 users reported that they have successfully reached American Income Life Insurance by calling +1 (800) 849-4820 phone number Click down if you have unsuccessfully reached American Income Life Insurance by calling +1 (800) 849-4820 phone number 4 4 users reported that they have UNsuccessfully reached American Income Life Insurance by calling +1 (800) 849-4820 phone number+1 (800) 433-3405+1 (800) 433-3405Click up if you have successfully reached American Income Life Insurance by calling +1 (800) 433-3405 phone number 6 6 users reported that they have successfully reached American Income Life Insurance by calling +1 (800) 433-3405 phone number Click down if you have unsuccessfully reached American Income Life Insurance by calling +1 (800) 433-3405 phone number 5 5 users reported that they have UNsuccessfully reached American Income Life Insurance by calling +1 (800) 433-3405 phone number
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American Income Life Insurance emailskfranco@ailife.com100%Confidence score: 100%Supportcontactus@ailife.com100%Confidence score: 100%Support
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American Income Life Insurance address1200 Wooded Acres Drive, Waco, Texas, 76710, United States
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American Income Life Insurance social media
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Checked and verified by Rachel This contact information is personally checked and verified by the ComplaintsBoard representative. Learn moreJun 30, 2025 - View all American Income Life Insurance contacts
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I got a call from AIL . She never told me the name of the company. So I called her back and got the name. I looked on bing to research it. Was not happy with what I found. BBB gave them a F and had an alert on there website. I am not going to waste my time. This makes me so upset. When someone is trying to find a job and they are going to do nothing but waste your time. I have no intention of going to the interview they are just wasting my time.
You're just mad because they didn't hire you.