American Income Life Insurance
Reviews and Complaints

To silentk:

"This isn't the most straight forward job I've had, no. But the angles we use to get into the home are the only way 99% of people will give us the time of day."

See you're missing the point entirely. Some of the larger complaints on here come from unsavory practices from AIL agents and how they relate to the union members. And you just admitted that you're not upfront with union members and basically lie to get into people's homes. I would expect someone who has a degree from "both OSU and UK" to know better. Well, you work at AIL so I guess we should know to expect less from AIL agents.

Oh, and Torchmark is not and has never been a Fortune 500 company.

PEOPLE! Sales isn't for everyone! Especially thepeople who like a steady guaranteed paycheck. AIL IS REAL. I work for them and make a decent salary. Been there for a few years now. It's not for everyone. Life insurance is very complicated and we need a way to show people why they need it. If they don't need it... we leave. Plain and simple. I curently hold a degree from both OSU and UK. Masters in business. Been in sales all my life. This isn't the most straight forward job I've had, no. But the angles we use to get into the home are the only way 99% of people will give us the time of day. Otherwise were just another telemarketer. The insurance is real though. We give no cost insurance to union members and their sponsors. If they want the extra benefits that come after that, they buy them. PL]lain and simple. Not to complicated. People that do not understand sales will never understand what we do and why/ how we do it. SO LAY THE F$%K off and find a different job if you can't do sales. Fair enough right?

T.H.

You can go *uck yourself. Why is it that everyone who works at AIL bashes people who work at McDonald's? McDonald's, unlike your pathetic life isn't scripted. "Does that make any sense?"

American Income= hard work, dedication, strength and big reward. It is fine to post your a opinion about a company that gives you an opportunity that you turned down. But these sites should be reserved for people who speak from experience. I value experience above all else. This career is not for everyone but if helping people is important to you then this career could be perfect. If you see this business as "lies" and you don't believe that insurance helps millions of people every year than go work in the service industry. Oh wait even McDonald's is scripted. Does that mean you don't want a hamburger.

The fellow with the above comment obviously is a FOLLOWER or an UNEDUCATED PERSON. Before you make a judgment toward the writer of the complaint, please understand that he/she is making an opinion. How much are you earning a week while being with the company? I used to work for AIL in California. I KNOW THE FACTS BECAUSE I WAS THERE! I agree with the writer's concerns. You spend your time on the field wasting gas, eating unhealthy food, being exposed to careless drivers, meeting rude and uncooperative prospects, and LYING ABOUT YOUR INTENTION from making the appointment to FORCING them into a sale. After one week, how much are you entitled to on your paycheck for all the crap that you go through, without accounting for the non-paid expenses out of your own pocket?

I was also "wooed" into the $ sign of making 60-70K the first year while also being promoted to different levels of 'managers' that I forgot to use my freedom: reasoning. I worked and ATE all their lies from the day I started their class training to the day I went out on my own. What is the worst crime that one could do? AMPLIFYING THE LIE! Everything from phone calls to presenting the products was scripted. Where is the creativity or the chance for one to excel in a corporate environment? I loath the fact that my immediate managers were egomaniacs who spoke to me through COMMANDS and COMMANDS and COMMANDS. I studied SCIENCE for 5 years in a well-known university. They looked at me like an inmate who just came into the company. So insulting!

So what evidence through your experience with the company that you so contradict the writer? One more tip, if you speak to me like that in my home like the way you write, YOU ONLY FURTHER STEREOTYPE THE ###S THAT DO STAY IN THE COMPANY TO DO THE DIRTY WORK FOR THE MANAGERS' SHARE!

So no on had the experience of hating and actually going to the interview to see what its about? They are an insurance company so you need a license to bind life insurance so the they will pay for your license this is very normal with joining any insurance company. Life insurance is the dreggs though you are probably only selling to people who can't afford to die and leave relatives with nothing. I will give it a whirl

My issue with American Income Life Insurance is that their main website does not talk about the different types of products and coverage that they provide. Instead you see testimonials from employees (agents), convention highlights and other activities. Also, I have been contacted six or seven times by its agents and the all repeat the same verbiage as described above. So how is the marketing done? Is the company depending on you only selling to your friends and family? All of these are red flags and the few people that claim to be employees are so busy being hostile and confrontational instead of talking about market share, satisfaction levels, price comparisons and other economic indicators instead of being petty and insulting. Business people do not respond that way, even if the complaints are valid, they respond with media campaign's, overhauls or just plain efficiency and quality of service.

OMG! I am SO grateful that ?I researched this so called reputable company.. My interview WAS scheduled for tomorrow morning at 10 a.m. Needless to say I WILL NOT be there at all! I just e mailed the so called HR Resource team and complained of my disappointment to find the research results on them! And it WAS extremely professionally written...as I also have over 30 years of corporate experience as an Exec. Admin. Assistant! Here I am wanting to work for a reputable company...I AM extremely Reputable and they ARE NOT?! Are u kidding me?! I would NEVER render my excellent qualified skills to such a scandalous company! NO WAY! Once a company or people try to INSULT MY INTELLIGENCE and my skills...That DOES NOT settle with me WELL AT ALL! Again...glad I did my homework b4 walking through that door and wasting MY precious TIME! Some fabulous reputable employer is going to grab ME and NOT let me go! Believe that! I will be their serious BLESSING! I have experienced former bosses crying and begging me to stay okay?! That IS a serious compliment to my skills, experience, personality and work ethics! Wow...

Thanks so much for letting me know you all. I was contacted yesterday to come in for an interview this coming Thursday by a man named Jason. He talked very fast, gave me all of the details of the interview VERY quickly, and when I asked about the company, what it was, what kind of customer service position it was he snidely told me that I would find out during the interview and if I have any questions, write them down and bring them with me? I am a 25 year old woman, I'm not a first grader who needs to be hushed up. Usually when I have questions about a job position, most employers are ready and willing to answer all my questions about the position, no matter how briefly so I found this pretty unusual. Upon conducting my own research, I founf this forum and many others. So glad I cancelled, screw this!

ScottEdwards- I'm not exactly sure what point you were trying to get acrossed. But you said it correct, everyone does have a different experience. Just because what i say is positive that doesn't make it a fact that another person will have a positive outcome. But on the same token, just because someone says it as a negative doesn't mean that another one will have a negeative result.

I am not sure weither or not that this company is liget but from the way that Michael is talking it does make the company sound good. One thing that I have found though out this discussion is that the employees of the company (if they are) I can not be sure if they are acctual emplyees or just someone who wants to stick up for the company. Everyone that has posted something on this board has had somesort of interaction with the comapny other by phone calls to have an interview or 'work for the company". Like a famous charactor once said life is like a box of chocolates you never know what you are going to get.
The reason I wanted to look into this comapny is because they sent me an email basiclly asking fo rme to call them to set up an interview. While I am maybe going to do a little more research on the company I am not going to call them right away. I want to find out more information on the company and maybe then I will call. As far as I can tell everyone that has posted something on this board has had somesort of comunication with the campany each one has had a different experiance. This is why it is always better to learn about a company before jumping to conclusions. All though it sounds like I am sticking up for the company I am not. Because I have had several e-mails from them they are prestiant.

Oh it was jeff olson! (I googled it heh)

JLP- I think in your case it was a severe case of the HR person not being informed. If her English wasn't that great to begin with I would say it's safe to assume that even IF she did know what to say she could not formulate a coherent or understandable response to your questions.

In response to Venom341 - I also work for AIL, But not in Logans' Mgaship or even SGAship. I am in the Asheville (Swannanoa) office for Altig SGAship In which I am one of the Regional Managers there. Good for you! and good luck in your future as well!

To Vincent Y - You might want to do a LITTLE research before you talk about what you hear from other people because you were incorrect on all accounts. A lot of people have the same complaint that they were asked to bring a fresh copy of their resume and to dress appropriately, which i'm not entirely sure why, though you may have known to dress appropriately, how many interview have you gone to [American income or any other company or job included] have you gone in to where you were sitting next to someone who smelled weird or a girl who was showing a little bit too much or a guy who's pants are sagging just a little bit too much? I'm sure that EVERYONE has gone into an interview and said that, and what most companies will do when you first come in if you are dressed inappropriately they will automatically put you at the bottom of the stack because of your first impressions. As far as resume, there are several managers there and firstly, i'm not going to print out ever persons resume that i invite to an interview and secondly I may not be interviewing them specifically it can be another manager. And if it is, he/she needs that information.

But to answer your other statements on BBB http://www.bbb.org/denver/business-reviews/insurance-companies/american-income-life-insurance-in-denver-co-26952 (specify whatever state you want)
their claim paying ratio is actually one of the highest in the insurance industry. now they may not be paying out 4 million or even 20 million dollar claims [because they will usually not even underwrite these] they do pay out their legitimate claims. They also pay out claims for policies that have yet been approved by underwriting (i know this as a fact because a person i enrolled used their cancer benefit before underwriting was done and their life policy was also approved.) So yes, to answer your question. It is a company to be proud of.

KarenE. - It seems that you just had a very unprofessional encounter. Though to him Sunday may just be another day, but for a lot of people Sunday is a no business calls day and the Sabbath day especially if you are in the south. Though I can almost guarantee that the voicemail that you got on Grover B's phone was definately his voice. Considering, it is his phone. I'm sure your voicemail is your voice as well. but if you were referring to the office number, then you didn't have the office number (you may be able to tell by the structure of the phone number) but more importantly those voice mails (at least in the 3 offices i've had the opportunity of being in and working out of) were set up by our home office in Waco or sometimes Redmond Home office (since the phone lines are all paid for by them).

Razgriz- There are people who do talk very much like that. Maybe no one that you know, and definitely not in any 'normal' conversation. These people are "legitimate business people" Zig Ziglar, Martin Luther King, John F Kennedy, Sir Winston Churchill, President Barack Obama, Benazir Bhutto, Daniel O Connell, Enoch Powell, Malcom X, Mahatma Gandhi, Nelson Mandela, Mark Twain, J K Galbraith, Patrick Henry, Robert Menzies, Nehru, Queen Elizabeth (I), Stokely Carmichael, Anita roddick (roaddick? i'm not sure which), Tony Blair, Tony Robbins, Adolf Hitler, Robin Williams, Susan B. Anthony. Just to name a few...

Now OBVIOUSLY they all didn't sell life insurance, or in most cases anything Tangible. But they did sell slogans, one liners, comedy, inspiration, leadership, motivation, dedication, peace, war, and sometimes common sense. They all qualify as business people, even if all of them didn't and do not sell a product or run their own company. "I have a dream..." "One-fifth of the people are against everything all the time." "A person who won't read has no advantage over a person who can't read." "Often the smallest, softest voice carries the grand, biggest solutions"

Oh and just on a side note, just because i stated their names does not mean i endorse, like, dislike, read, listen, or preach what they are speaking or saying. They were all merely examples. So I do not need anyone coming and saying that I am a Hitler lover because i put his name on here. I was merely stating that Adolf was a businessman / leader / inspiration speaker in his own respect and MLK saying "I have a dream" or AJ Gilbert saying "opportunity unlimited".

And for a quote that obviously is not mine but is fitting (and at this second in time i cannot remember who it is)
"Successful people do what unsuccessful people are not willing to do, and that often means living outside one's comfort zone"

mjd101010, I see your name on almost every AIL thread. You must work for the competition because all you have is garbage, lies and insults, nothing real. I worked for the company for quite a while and left on good very terms. You have NO IDEA what you are blabbing about (another reason why you don't post your real name).

I just got an email from "Jim Logan" also. Like most everyone else in this thread, I found it suspicious (I'm about to graduate from law school, and neither the email nor the various AIL websites said anything about a legal department), and so I looked around. And like the rest of you, I'm glad I did.

The two defenders of this company who have posted their comments only confirm that there's something very wrong with AIL. I almost fell out of my chair laughing at the above supposed employee's "OPPORTUNITY UNLIMITED... " Legitimate business people don't write or speak that way.

Well I think you all saved me some time. No sense going to the interview just to be jerked around. I can waste my time in more productive ways. It does seem like all the companies that Warren Buffett owns feel like they have to stroke his ego during their interview process. What is the big deal you are owned by Warren Buffett? Did he actually sell your product? No, and the last time I checked he still took a crap the same way as the rest of us.

I recently interviewed with American Income Life, and I will be the first to say my experience with them is sketchy. First off, I was recently let go from a AAA rated Life Insurance firm, Northwestern Mutual. I did well with them, but after a year, my numbers and clients were not in line with what they want their network office... which the Omaha Office is a top 5 Nationally known office. The fact that 2 of the 3 people who interviewed me from AIL were not sure who Northwestern Mutual is already turned me negative towards the company. The fact that AIL is a A+ firm and not the stature even close to Northwestern Mutual left me wondering why I was interviewing with them in the first place, but I am passionate about Life Insurance and planning.
I received a call out of the blue from American Income Life about coming in for an interview. Being Life & Health Licensed, I get emails, Linked-In request, and phone calls often. The number that called me was not an Omaha area code, so it is obviously an Employment agency that calls you. I decided to attend the interview, and it started off unprofessional. I arrived at the interview at 10:00am for the 10:15 interview... I waited with another individual until 10:45 when he got up and left. I looked at my watch and thought to do the same thing. They called for another individual--obviously the one who walked out, and then they called for me.
The guy who first interviewed me was the same person I passed outside the building smoking... OK
In the beginning they make you fill out a questionnaire. The questions they asked are routine questions, and honestly, a waste of time. They review those questions after they ask you to tell you about yourself. After that, they inform you of their interview process and ask you if you have time for a 2nd interview. Excited that you pass the first interview and no plans for the day, why not? The 2nd interview is in a room with other individuals that where called. They tell you about the company and stroke Warren Buffet's ###, but you are still left with questions on what exactly is going on. I will also add, the people that made it to the 2nd step of the interview... How the heck did they make it past the first? I come from a competitive nature, but at least 5 of the candidates were a joke! One of them had a GED, a Military background, but zero personal skills. Honestly, minus his contributions to our country, I felt insulted that someone with zero qualifications, zero personal skills, and wearing genes in the interview... making it to the 2nd interview... was insulting. The other one could not tell anyone in the room about himself, because he was too shy in front of a group setting. WTF?
They give you another survey of questions that they want to review with you and that is the completion of your 2nd interview. Those two that interviewed me did not know who Northwestern Mutual is--let alone the standard of Life Insurance. The 2nd interviewer asked me what separates me from the other individuals in the room... My response was, "That was a joke! None of them have a Life and Health License, sales experience, or a competitive nature."
The position you interview for is obviously a stepping stone...
They explain the markets that you will be calling on and set up a standard of scheduling 30 meetings, meeting with 20 and closing 6 per week. Coming from another LI company, you know that those standards are extremely difficult to maintain. Northwestern Mutual is realistic on scheduling 25 meetings and keeping 15. Closing 6 a week to me, is just sales pushing... Closing 6 per month is honestly, the true nature of the beast.
I went to the 3rd interview and honestly, was not even interested. I went through the process to be respectful and to gather answers to what the training methods and work week would look like. They let you know that you will work long hours, but closing 6 clients a week is not difficult. I am a good judge of character and am looking for a work environment that I enjoy, but this AIL gave me a bad vibe from the interview process and to declining to take a position with them.
They asked me my thoughts of endless income potential, and making 60-80'K per year is not difficult. In this type of industry, those who have been in it, know that getting to that point requires a lot of time and effort. My thoughts are with all the time and effort for this company, it is not realistic... and yes, I made that kind of money at Northwestern Mutual, but it is a numbers game...
I would honestly like to hear more comments from people who have been through these types of things with AIL and from people who have been or are employed with the company. Please don't feed the BS... be real.

Wow, if you are willing to work hard and all that jazz try the oilfield. There are literally hundreds of companies paying 20+ dollars an hour working 70in to 120you hrs a week. If i made 100, 000 a year I'd get a second job! Lol Life is what you make it, if you dont like your situation, change it. You will either do, or watch people do. Those who do are those who have the things other people covet. If you sit on your *** and wait for something great to happen to you instead of making great things happen. Well its your mac n cheese eat it how you want. I'll be having Steak and Lobster in Maine or Shrimp in Baton Rouge. Maybe a little pina colada in Puerto Plata (you thats in the Dominican) With my poor uneducated oilfield trash friends who make things happen instead of complaining about how we didnt that too good to be true job. Natural selection, Wolves and sheep, which are you?

If you read the closest thing I could find to a homepage, there are several contradictions in it. I'm a bit unsure as to whether they are even a real insurance provider. I was told earlier today on the phone that the manager saw something in my resume he liked, she guessed, and that he saw it on monster or hot jobs or "something". The whole conversation was scripted at first, until I kept interrupting her. I mean, flaky from the word go. I figured out pretty quick when the word sales came up that it was commission based and said that evidently someone did not actually read my resume. If they had they would have seen that I'm a trained and certified computer geek, not a commissioned salesman. The kicker was she said that there were multiple positions available, and that she didn't know what exactly they were because she was only the appointment setter? How flaky is that?
Good thing I google every company I interview with. It's good to know something about the people you are considering working for. Also, real interviewers respect and appreciate someone who does their homework pre-interview. Either way, I am supposed to drive to another state, only about 45 minutes away, but still...it's a different state, for a 9am. interview. I almost want to just to make the wannabe manager interviewing me have a bad day from the word go, lol. Hey God Bless you folks and thank you for saving me from wasting my gas money. Every dime is a big deal right now, and I'm sorry to see it happened to any of you. Let's hope we can save a few more people from getting burned, too. Also, I, m looking into some of the local and beyond local officials, so-called politicians who work for us, to see how many of them may take a liking to this story. If nothing else I imagine the local news media would love it. What I read in a few of these posts are down right illegal. Not to mention I still am not sure they are selling a real product.

Despite what they say, American Income Life, is NOT registered with the American Insurance Assoc. This company is a scam. I work for Prudential Life and Casualty, and hear about dissatisfied customers that have been scammed by this company all the time. I decided to check this American Income Life out for myself; I interviewed for a sales position, and was told that I could make tons of money each month. The reality is that this company is commission based, and you have to get hard working individuals, with little to no former education, to believe that you are looking out for their best interest by selling them “Peace of Mind”. The company takes the money from these individuals, invest it for themselves, and make the claim process so difficult that most 92.7% of all claims that are filed are denied benefits. If the insured dies, there is no payout to the family, if a claim is pending and the individual dies, the claim is automatically declined. The employees of American insurance Assoc, work long hours and the commission is not worth the effort. There is a large employee turn-over with this company, and most people only stay up to a year.

I went to one of their so-called interviews, in which they gave a presentation that reminded me of an infomercial. There were so many other "candidates" there, it was like a seminar. They claimed agents could make over a million dollars in their first year, and that was when I decided there was no way it was legitimate. I can't believe companies can get away with deception like that. If this was such a great company to work for, why would they have to make up ridiculous lies and try to sell their jobs in large seminars? The reason is because it is a pyramid scheme. My advice: stay away from American Income Life. Also, I am copying Monster.com's advice for dealing with possible fraud below, so that the people who post here can officially file complaints of possible fraud:

"How to Report Possible Fraud

* File a complaint online with the FTC or call toll-free (877) FTC-HELP [protected]).

* Notify the state attorney general's office where you live and where the business-opportunity promoter is based.

* Call your county or state consumer protection agency, listed in the phone book's blue pages under county and state government.

* Alert the Better Business Bureau in your community and where the promoter is based."

Wow! I answered an ad on Craig's List for employment yesterday (I know that Craig's List isn't probably the best place to be looking, but... I digress). I received a call from their local HR person for a phone interview that lasted no more than 2 minutes. After answering 2 to 3 questions, they couldn't wait to get me in for a personal interview! Now, I'm relatively saavy when it comes down to normal business proceedures and am pretty confident about my abilities. The issue I have is that I wouldn't invite ME in for a further interview based on my answers and I know ME better than they know ME. I think they're looking for only a little above having a pulse. I did set up an appointment for an interview scheduled for tomorrow. I then decided to look them up at the BBB and on numerous web site complaint boards. I made the decision that 2 hours of my life would be missing during this interview, I would not be interested in their company and could never get those 2 hours back. This is where it gets humerous! I called the HR person and told him I was cancelling my appointment and he didn't even ask WHY! Gee, they must get many many cancellations based on research by prospective employees. Is this the behavior of a stable, well intentioned company? I think not! BEWARE...

They came to sell me insurance first off the lead was way off and they pretended to be who they were not. Told them I would decide at a later date. Glad I did look up all this info. First off don't pretend to be a company you are not to make a sale. Second I can get cheaper insurance online. Third I am not paying you a year worth of money for anything I don't understand. In this day and age scam companies are getting harder to get us to pay upfront. You can work at Mcdonald's and make more then you will with this company.

It is obvious that the people writing these comments are not motivated to succeed. What i just read are words of people who will never make it to the top because you are looking for a comfort zone. Well man up and step up and get out your comfort zone and do something to earn your money. I have worked for ail for three months and have made a lot of money. my first wee i made 2345 dollars. yes it was long hours but it is getting easier and everyone in the office is always helping everyone.

I have 1 question. Would Warren Buffet invest in a scam?
http://www.ft.com/cms/s/0/7be34524-690e-11e1-9931-00144feabdc0.html#axzz1p3Vq1ULr

I got an email saying they pulled my resume, saying I'm a good fit, and to call a certain number. The number is Canadian (I presume) as the email mentioned that this is a number of their Calgary office.

In my case I have put up my resume on Canadian job boards as I intend to move and work there. Thank you for all who have shared their experiences with this "company". I'm steering clear as my experience has nothing to do with insurance or selling them. Also in their email they said they tried to contact to me to no avail, which is a blatant lie.

Also the email did not address me by name. In addition to that, Gmail filtered it as spam as well.

Mine is a nurse resume(only LVN level) but they've been sent me emails saying I am perfect for their company and they "pulled" my resume because of it. I was surprised they'd say that being I have no sales experience at all and never applied for a life insurance sales job. I didn't contact them back because it is pretty common knowledge that it is a commission only job and obvious that there would be up front money. They make you feel so good about yourself in the emails that I thought I'd check them out. Thank you to this site, even knowing better I was getting tempted as I haven't landed a LVN position yet. I have no experience, just the license and can only work under the supervision of a Dr. or R.N. Insurance companies would only be interested in medical professionals with higher education (physician)so it was just a mass mail out and sure they never even looked at my resume.

Wow, you all have missed an opportunity of a lifetime. I started with this company six months ago and love it. I've made more money than I've ever made before and have such freedom. I suppose it's because I'm not afraid of working but even that isn't an excuse for you all. A major loss for you! Loving my job, Lydia

They just called me. And after doing some homework. I found out that they had their BBB accreditation revoked:
http://www.bbb.org/sandiego/Business-Reviews/insurance-services/furer-whittinghill-agency-in-san-diego-ca-6000411/

I don't think I want to work for them, not after they lost their BBB accreditation.

WOW. My phone has been continuing to ring. If I dont recognize a number I always google it because I too have been getting A LOT of calls about this sort of thing because of posting my resume on careerbuilder. NEVER AGAIN BTW!
I found this story and thats enough for me to put this number down as a rejected number.

I, too was contacted. Bottom line - why would I want to work for someone who can't tell the truth, right out of the gate? There are people looking for jobs whose lives are falling apart due to recession and lack of finances, and can barely afford necessities, who are literally spending their grocery money to put gas in the car to attend interviews, and this company is holding "mass interviews" for no specific job or a job you later find out is many hours away. To boot, one must pay for their own training (which is hidden until after gas money and half a day is spent to attend a group interview an hour away).
No thanks! I"D RATHER WORK FOR SOMEONE HONEST AND UPFRONT. Maybe I'd be willing to pay for my training with someone who is honest with me. But you other folks who wrote in are right... a professional company invests in their people, and I would like to add: treats they're employees like respected INDIVIDUALS, not a herd of cattle, or a like they are just a number.

Well...I'm scared now! I really did just make a phone call and spoke to Jamie, made an appt for tomorrow. This was all before I had even read about the company. I'm 45 year old female worked for 1 company for 24 years. I started out answering phones and moved up in the company to where I would sign checks. My old company didn't want to let me go and they are like family to me. I just want to work! Please don't mind the spelling...I didn't proof read before I sent this.

I have been contacted, as well, by an introductory email, then a peremptory followup that sought to upbraid me for not contacting them. The links are highly suspicious, with the description being 'workatail' but the URL pointing to:
http://www.tmkrms.com/Response/ThankYou.aspx?RecruitGUID=0C5A65DA-4D6F-4A94-A47C-167150BE472E&MLID=237&redirecturl=www.workatail.com

Just got a call from Jamie from A.I.L. [protected]). She stated she was calling me back after my inquiry. I have never inquired on this company or requested any information from them. BE CAREFUL WITH CAREER BUILDERS. They are famous for scam letters and other tricks. There is also no way to complaint about problems

A couple of weeks ago, I began my job search. I've been seeking out sites to hopefully better my odds and shorten the process, and have lost track of how many times I have posted my resume. about the second day in, I received a phone call from some one at AIL telling me that after reviewing my resume they were convinced that I would be perfect for AIL. This company is in the business of selling insurance, right? I have to agree with Tylerrr on the question of how closely they looked at my resume, because my resume details my 20 years of experience as a truck driver. does that make me the perfect person to sell insurance? I'll let you decide that one for yourself.
meanwhile, does any one have any real job leads for a truck driver looking for local work in southern New Hampshire?

I worked for this company 2 years ago. I WAS THE PERSON WHO CALLED PEOPLE AND TOLD THEM TO COME IN FOR AN INTERVIEW!. THIS IS A SCAM (unless you're a licensed insurance agent)!
I worked here for 8 months, and in that time I saw how corrupt and horrible this company is. They have a call center of people calling you to come in for an interview (that you did NOT apply for), and they convince you to come in and sit with a Insurance Sales Agent manager who tries to get you to take state standardized test to become a licensed agent. If you do not have a car, they will tell you that you came for nothing and are not right for the position because it is an OUTSIDE SALES Insurance Agent. The ### a**hole owner of this agency, Bob, is a [censored] bag who, in a company meeting, compared working at his agency to working at Wal-Mart because of the pay and treatment. There is no HR. The "HR" is the receptionist, who is also the book keeper, who is also the manager of the call center, who is also Bob's personal assistant. She does not know how to handle HR issues. Several of us, including me, approached her about a white female worker who was going around calling all the black workers "ni*****". She found no issue with saying this to us, and was emotionally unstable and cried everyday if someone wouldn't agree with her on the phone. HR did nothing when approached by employees (there were 7 total employees in the call center, do the math). The day I quit, the owner Bob, promoted this racist child (her first job) over others who were more qualified and had managerial experience because she LOOKED the part. THOSE WERE THEIR EXACT WORDS. If I could give this place 0 stars, I would. The worst job I have ever had in my life, and the job was lying to people on the phone saying this was an opportunity. I was telemarketing numbers that were given to me with a script for them to come in. There are no morals in this place. They even convince people who don't have a car to come in for an interview, even though they know they won't give them a job because they're commissioned on having people come in. People take the train from Chicago to the office (1-2 hours including bus ride that only comes every 45 minutes), only to find out they got their hopes up for no reason. When people come in, and they tell them since they don't have a car they won't have this job unless they can get a car. This place is full of lies, snakes, and extremely deceitful. They thrive off of it. IF SOMEONE CALLS YOU INTO HERE FOR AN INTERVIEW, PLEASE BE AWARE, THEY WANT YOU TO HAVE A CAR AND WANT YOU TO TAKE 2 TESTS TO BECOME A LICENSED INSURANCE AGENT. They even have a presentation they show you about how much money you can make, which is complete BS. STAY CLEAR OF THIS AGENCY. The other agencies under American Income life have a better way of working and I would definitely recommend the Indiana office and all others in the area. I have had contact with a few and interacted. This office is the only one that is literally a snake in the grass. I heard Bob saying he wanted to be better than the other offices and will do whatever it takes to be better. The only reason I waited 2 years to write this review is because this place was such a horrible place to work and I needed to cleanse myself of this establishment. Kudos to the Indiana office for keeping their office and work environment up-front and clean. They hire for the same Outside Sales Insurance Sales position, however, they tell you up front and are honest from the get-go. The Bob Olson agency will lie to you at every bend they get to beat other offices.

Well this companies scam is getting more and more sophisticated. They called my husband last week who is an employed Project Manager for a family owned Roofing and Construction company. They claimed they got his resume from Career Builder. They gave him the same script that people listed above. They actually told him they work with union contracts and builders. But where very vague about the job description. After we got online and did some research we ran across this site. He just got off the phone after canceling the appointment. I am in sales. I understand 100% commission jobs and what you need to do to be successful. However, if you can't state up front clearly and precisely what it is your company does, then you are not a legitimate business and will always be considered a scam no matter how successful you become because your methods are deceptive. Thank God for this site. My husband would have taken a day off of work, to go to this interview.

AIL is still at it! Just got a call this morning stating they saw my resume on line and wanted to invite to me an interview on SATURDAY morning! Was told the position consisted of driving to UNION MEMBERS locations to drop of renegotiated contracts. No cold calling or selling involved. Decided to do some research on the company and ran across this thread! Thanks a bunch for the feedback. Will NOT be attending the interview after reading all the comments about the company.

On August 16, 2012, I received a phone call from a "Jennifer" (no last name) who indicated that she is with American Insurance. The company is based in Woodridge, IL. The phone number I was given is [protected], ext. 501. No-last name "Jennifer" indicated that "Richard" (no last name was provided either) saw my resume on Monster, and Richard was interested in interviewing me. No specific position was provided. I called the number to ask about "the position" since I wanted to know. She was very evasive. I got the impression that this was nothing more than a glorified "sales" job and nothing more. After several attempts, I finally got the answer "sales" -- I was right on target. I am a pharmaceutical professional, so I thought "how odd" that they would be interested in my credentials. In the end, I said "No, thank you. I am not interested. Good-bye." I do not know if this is a scam or not. I do not know if this is pyramid scheme or a ponzi scheme. The one thing I do know is that I don't want to work for American Income Insurance Company. Sales jobs are a dime a dozen.

Appears AI is still doing business in Woodridge. I just got a call that fits the description others have posted, totally out of the blue. Gal told me I'd only have to come into the office twice a week then suggested a day & time for an inteview ("Dress professionally and bring a fresh resume." Like I'd come to an interview with anything less?) which, after reading previous posts, is NOT gonna happen. Waste of time & gas to drive 75 minutes one-way only to walk out laughing after maybe 10 minutes.

There may be folks willing to work on comission for an outfit like this one but I'd be the first to admit I don't count myself among such a select group of scammers thankyouverymuch.

Wow I guess because the high and might Erika_Leigh said so it must be true. Shut the f*** up you lying ###! AIL is a joke of a company and I can say this because I actually worked there. Also, not all sales positions are solely commission based. I earn a salary and I am in sales. AIL tells you what you want to hear in hopes that they can get you to agree to the position. Each time someone gets hired there the manager who hired them gets paid a hiring bonus. Additionally, no respectable company has new employee training sessions every two weeks. Why is that, you ask? Because 80% of the people they hire don't make it out of training because they realize what a joke this is. If you love being ### on by superiors in meetings, driving to appointments in very dangerous neighborhoods in Chicago, having to pay for everything without being reimbursed, and having absolutely no life, then AIL is for you! Even the gas allowance that they promise you when you interview is not given to you until you "bonus" three straight weeks in a row and can be taken away from you if you do not bonus for one week. Bonusing is selling at least $1100 ALP per week, which is a pretty lofty expectation if you have seen the leads they give you. Also, this is not soft sales. You make your appointments based off the guise that you are really going there to give these people a free "discount card" or their free "union benefits" (which is nothing more than a $3000 AD&D policy), or a free child safety kid. Once you open the laptop and start talking about insurance, these folks usually ask you to leave. Not to mention most of these people don't have the education or income to afford one of the overpriced whole life policies that AIL has to offer.
Also, did I mention that AIL never teaches you about the insurance aspect of the business during training? How can one sell a product if they have no product knowledge?! These people lack every bit of professionalism that they want you to think they have. If you want to know more about how despicable this company is please feel free to email me or send me a comment. I would like to get the word out to local media about the sham that is AIL and would love to hear from other former employees. I have plenty of dirt on this place from my dealings with them and would love to take them down a peg. Don't believe the hype -- AIL is a sham that preys on people that are too stupid to know better.

okay. first off. I know people who work in the insurance industry for 30+ years. They confirm this is not a scam. Look up what a scam is. If it was a company that hired you and you never got paid, had to "invest" money into them, then they disappear...that is a scam. Clearly they are not a fly by night company so that puts that to rest. They do pay you but it's not a salary or hourly wage. It's sales, if you don't like sales don't do it. Also, it's time Americans take responsibility for themselves, you bunch of whiny self entitled lazy people. Life insurance and what they sell isn't a scam and if you can't afford it or don't know what you need then it's up to YOU the consumer to do your research. Just like all those people who took out loans because the banks told them they could afford it and gave them loans way over what the person could afford. That's the banks fault. Banks are scams. Take responsibility for your own life and when the bank tells you they can give you a loan for x amount and you know you only make about 20, 000 a year, guess what you DON'T TAKE THE FRIGGING LOAN OUT [censored]. It's not the banks job to look out for you. It's YOUR job to look out for you and not try to live above your means. If you can't afford life insurance. Don't buy it, but don't blame someone else for trying to sell it to you.

OK, first off, I want to say that I actually did work for this crap-bag, dishonest company. I have read the posts on here by the AIL marketing folks that are trying to defend their name and everything they are spewing was complete garbage. First off, they give you leads that are mostly non-English speaking, or people who don't make very much money. When I worked for these clowns, 90% of my appointments were in a bad area or the West Side of Chicago. Not to mention, the MGA at the time, Mandus Buckle, was a complete egomaniacal narcissist. I was very pleased to find out that this guy was later fired for sexual harassment. They also make you bring your own laptop or purchase one if you don't have it and none of it is reimbursed to you if you get let go. From day one, I was fed nothing but [censored] by a bunch of [censored]ers! STAY AWAY FROM AIL!

I also recived a phone call from AIL today morning. The caller told that the work is something related to union dues calculation etc.. I asked about the position title and she told me that a kind of representative . Because I have a finance back groud, I asked whether this work has any connection with finance dept and she told me, no . She told me that they will give traing and you do not need any experience. From her answers itself I doubted that this may be a scam. Again I aked about the salry range and she told me 60000+. wow 60000 + for a customer reprasentative? ! . That's why i serched in the internet to have a background check . Thanks for the comments and the informations. AIL is 100% scam .Dont waste your time and gas money . Good luck

Thanks All for the informative postings! I too got the "call" from an HR rep saying the regional HR director saw my resume posted and wanted to set up an interview. I told the rep I would call her back because I wanted to research how far of a commute it would be for me. Thank God I found this site.

Listen, I stumbled upon this Blog and would like to share my opinion. As a Sales Consultant, Mentor, Trainer and Situation Coach, I understand where you guys are coming from who are complaining about what AIL, it is or what it is not, but the truth of the matter is that if your looking for a pay check most likely sales is not a career for you. Life has no guarantees and either does a career in sales. In any sales career you are as good as your last weeks total sales production and if you are afraid of working of any type of commission, you need to either go back to school and get a high education or go into a office job (J.O.B. =just over broke). Listen it is ok if you cannot make the cut, but please do not point the blame at a company that is still in business and your the one who is unemployed. Obliviously, they have found continued success in their industry. It is always easier to make an excuse and point at the other guy, over being accountable for a person own actions and admitting what your limitations are, or perhaps this was the experience in your life you needed to let you know what your particular level of dedication is, or what you are willing to do to get ahead. As, I told my son the other day, some times you have to do the things in life you might not enjoy, but it is good for you to gain the experience you need in order move forward and maybe ask others to do the same. Then I told him to eat his broccoli, because it was good for him. With that said, all of you guys and gals have the potential to be successful at what ever you what to do, the trouble is that a lot of people do not know what they want to do and get caught up in careers they probably did not intend to go into, but it was means to an end at the time. I have even heard my clients say that they stayed in a sales career, because they found some success and then quickly found their back against the wall with debt from purchasing a lifestyle beyond their means. The bottom line is to make sure you communicate clearly and go into any interview with viable question about the company and know what your limitations are prior to committing to the interview slot, you could be taking someone else's slot who will appreciate the training and sales experience and missing out on the interview else where that is meant for you.

Del Rene, THE SITUATION COACH

You had to write about your "friend?" Sounds kinda fishy to me. You're probably some [censored] with another company posting crap about a A rated company. Ryan is a top producer and manager in the company. I think he knows what he's doing and does it the right way. Besides you can't recode business these days. It's all on electronic apps. It has the agents' name on it. Managers can't recode that. Heck, not even state general agents can.

Stop talking crap and get a life.

Well how do I start? I used to work for Santa Rosa Office...
My friend recruited me into the company thinking he'll get the bonuses when I'll start making money. However, once I got hired and started to make money, my friend was fired and MGA Ryan Kendl, talked bunch of bad stuff and made fun of not only him during his meetings, but also laughed and joked about all the people that decided not to work for the company. Also, he teaches to fraudulently put the "right" wrong information on the apps so that more people would buy the insurance and ofcourse so that he would end up with more bonuses. He is a liar himself and teaches others to lie. When I wrote my biggest policy and roughly should have got paid $2, 000, he, Ryan Kendl, coded the policy to himself. (Basically stealing my money, not sure if there is any legal foundation to that one.) The leads are outdated and been seen couple times, lot of cold calling, , , When I brought the issue to him, Ryan Kendl, he acted like nothing happened and then "decided to let me go", ofcourse keeping the business I wrote. I am not the only one, hopefully people like him, Ryan Kendl, get their insurance licenses revoked and I'll do everything to make it happen. Guys, if you had same problem or been tricked, make sure you FILE A COMPLAINT WITH DEPARTMENT OF INSURANCE and take it to the courts. Half of what they doing is completely fraudulent. He. Ryan Kendl, will willfully lie to new hires in order to just get his bonuses. Oh and I've tried to resolve the issue by contacting the company itself, so far nothing has been done...THIS IS NOT A LEGITIMATE JOB! NO LEGITIMATE JOB WILL REQUIRE YOU TO PAY FOR TRAINING!

I don't think that you can generalize the insurance industry as having a high turnover rate. You have to be more specific. For example, based on what? New agents persistency after 6 months, a year, 2 years, etc? We can debate said specifics until we are blue in the face, however, I worked at an agency (not ail) where new agent persistency was traked for 3 years. Meaning they took the number of people they hired in a given year and measured against how many hirees were still with the agency after 3 years. That percentage was hovered between 40-45%. In other words, 4 out of 10 agents were still with the same agency after 3 years. When you compare those figures to AIL's agent retention of 5% after 6 months, it is pretty clear that AIL does indeed have a VERY high turnover rate. It would be easy for you, MichaelAIl, to dismiss that statistic as the insurance industry's nature, but clearly AIL set's the bar for very poor agent retention.
40% of agents stay after 3 years at a NON-AIL agency and 95% leave within their first 6 months with AIL. Something not quite right wouldn't you agree?

Most insurance bring anyone aboard that wants to do insurance. They also want people who have had several years of experience in sales, any kind. Those people they bring on board, also sell to their families, friends, neighbors, aunts, uncles, parents, brothers, sisters, anyone in their social circle. Which, you can verify by asking almost anyone who sells for other companies.

Samantha B - I strongly doubt that you've done insurance, because the entire insurance industry has a high turn over rate. The only reason why American Income stands out from the rest of them, is because most of them deal with strictly cold calling, door to door sales, selling to families. And that turns most people away. Whatever a previous agents opinion on the company is, I guarantee they will say, that they didn't have to just door to door sales anyone [unless they specifically chose to] or HAD to sell to their family [not to be confused with WANTED] or even had to pay for leads, resources, office space, training, management opportunity. Most 'reputable insurance companies' operate under that mantra. So, yeah American Income brings in more agents, which in- turn agents quit [with the already high turn over rate] which makes it seem even worse.

Samantha B - I would strongly suggest doing a little bit more research on these subjects before you post a response to people. Trolling, is a brainless talent, which results in shooting many blanks.

Or what American Income could actually do is spend their time and resources findind, hiring, and training people who would actually be a good fit for this job. You know, just like how every other reputable insurance company operates.

This is in response to Debra Merritt (original poster)

If someone from AIL tells you they will call you and schedule you for the second interview AFTER you have had your first interview. I will guarantee you, you did not get the position and you will not be getting called back. So the response the person you gave was very correct, it was an opportunity for a job, but that opportunity had just passed you up in which the person who interviewed you decided for some reason you would not be a good candidate by what you said, what you did, or even simply by being late. Obviously, I do not know your personal qualifications or disqualifications but I know that it would have been for one of those reasons.

The reason why they bring so many people in is for many reasons, one of the main reasons is not everyone will be selected and odds are out of 10 people who come in for an interview maybe 7 will be brought back based off first impressions or resume and then out of those 7, 3 of them may not be qualified or even interested and then with the remaining 4 maybe 3 can make the financial and time commitment and out of those 3, maybe 2 will make it passed the licensing process for whatever reason it may be. Then maybe 1 will decide sales or insurance or even the working time is not for them and leave. that leaves 1. If it were an army of 1 that would be great but the fact of the matter is every job, career or any opportunity is a numbers game. That may sound harsh to give all the people who are coming in a number, but when you go in to interview for any other company, whether it be insurance or sales or even food industry or ANY industry it's all a numbers game. It could be a numbers game as in we need 10 servers and we will hire 15 because for whatever reason or we need 3 cooks or anything. That's business and unfortunately business takes bodies and bodies sometimes need to go through the metaphorical ringer.

In response to MBA4career

I read all of what you said and overall I find you a very smart individual. I like the fact that you made yourself very clear in a lot of the things that you were talking about which i've been reading many posts today, realized that most people who didn't want to work for AIL pretty much just added nonsense jargon with some swear words and more swearwords.

I really do not know where they were in a "rent-a-office" it could have been for the reason that the office was just opened or they have not found a location as of yet or for many other reasons that you or i do not know. But I personally would have never done any hiring without a real office. Which this is a legitimate reason to think it is sketchy.

But on the shaving or un shaven factor. I really think that is more of a personal decision for each individual. It's as if i were to say I think this woman is uneducated because she has long, blonde hair. That's all personal preference. The people you may have seen may LIKE their facial hair (or maybe they really did forget to shave). From another aspect I am now 24 I started with this company at 21 and facial hair and a suit actually helped me because if i am seeing people who are either 2 times my age or even more and they see a young guy in their 20's talking about insurance to them i have seen first hand where they show you no respect because "you are just as old as my son" or "my daughter is your age" . Which in your post you had stated just that, they were just Young men whether it be complimentary or uncomplimentary. Facial hair may give one a little older look that the person may be looking for that. As far as intimidation factor goes, I would assume that most 350 pound men in a suit seem intimidating, not because that's what they are going for. but because of their general size. It's the same reason why people are intimidated by black people in baggy clothes that may be walking in your direction. You are perceiving it to be just that, whether they are intentionally trying to be intimidating.

As far as myself, I do work for American Income and I am proud to be working for American Income the office that I am in is in Asheville NC (actually swannanoa) and I will state my full name. Michael Ellis, I am an MGA for the company and i can honestly say this job is not for everyone. If it were everyone would be doing it. But it's not, so if you are unsure of if you should go, I say you should go, find out for yourself if this position is for you. If not, then at least you made that decision and didn't potentially miss out on one because of what you read. Everyone has different tastes, wants and likes. And who know, you might like it.

I have a quick question that I hope will get answered soon as I have an interview with AIL later this week, but do the job titles for the sales positions state "Enrollment Representative"? I am not looking to get into sales and the job posting did not mention sales at all. Also, the salary listed was no where near 6 figures, it is only in the low 30s. From the job posting, it sounds like it is more of a customer service call center position. So I was just trying to make sure that this was different from the sales agent jobs. If anyone knows, please let me know. Thanks!

WOW! I have been to about 20 interviews over the last 3 weeks, and these people are the least professional of anyone I have ever had an interview with. Let me be clear, there are obviously people who find success with this firm, because their parent company has huge revenue and good profit compared to other insurance firms. What I am saying here is that the people I have dealt with are extremely unprofessional.

First of all, the first person I spoke with was a sort of telemarketer; obviously reading off of a pretty poorly written script. She said she had just pulled my resume of of the internet, and was traveling between the Louisville and Lexington, Kentucky offices. She then asked me to meet her the next day, and to bring another copy of my resume with me.

Because I research every firm I interview for before meeting with them, my next step was to research American Income Life. I found out a great deal about the parent company, Torchmark Corp., and that they were not a "scam" like most of the links related to American Income Life claim they are. However, I also found that there is no Louisville office and no Lexington office (according to their own company Website). More than the obvious lies I had already been told by their telemarketer/recruiter, almost every bit of information I was able to find about American Income Life led me to believe they were dishonest at the very least. For one thing, almost everyone defending them on the "scam" and "complaint" sites are either cut/pasting the same message to multiple sites or seem to have very little relevant information to defend against the attacks against the firm they claim to work for.

With all of that said, some of the people complaining are just not cut out for sales work of any kind and are expecting to be handed huge paychecks for nothing. I want to make it clear I am not one of those people. I know what sales and commission jobs are all about, and I fully realize that most, if not all, insurance sales jobs require you to invest a great deal of time and some money in order to become successful. I'm just talking about their level of professionalism and dishonesty here.

Despite the "shifty, " scripted call from the telemarketer/recruiter claiming to be some sort of manager wanting to meet with me, I decided that I should at least attend one interview because of the state of the current job market and to expand my opportunities. This led me to lose two and a half hours of my life I would never get back.

The "Lexington Office" was really a sort of "rent-an-office" where about 15 different companies were obviously renting offices and meeting rooms to conduct hasty operations and interviews. When I walked through the halls to check the place out (because I always show up early for interviews) every office had a little temporary name on each door and was obviously not an official office for a multi-billion dollar insurance firm. There was not even a sign in front of the building, excepting the one that said something along the lines of "office rooms for rent" or something along those lines.

For one thing, the woman I had spoken with, Amber, was nowhere to be seen when I arrived for my interview. Instead, a young man (he looked to be about 20 years old) led me to an elevator where his boss was waiting for us to enter the elevator. Niether he nor his "boss" had shaven that day. In fact it looked like the two of them were fresh out of high school and fresh from a camping trip. Sure, they has shirts and ties on, but for the love of God shave your face! After a 45 minute "interview" where this kid took me to a rented conference room about the size of my hallway closet and attempted to lie to me about a number of things regarding the success of the firm's sales agents, he finally told me it was a MLM where sales-team managers got a percentage of their sales rep's sales.

Once that was all over with, I was asked to stay for a "second interview" which turned out to be a sales pitch from a supposedly former NFL player who looked and acted like a leg-breaker for the mob. Not only did they ask me to fill out some information which most people would see as free marketing research instead of recruiting material, the 45 minute interview now turned into a two and a half hour ordeal, where I felt threatened, insulted, and wasn't sure of this thug and his underlings would even let me leave unless I told them what they demanded to hear. Let me explain.

For one thing, the huge 350lb thug conducting the presentation was the only one out of the five employees and managers attending who had shaven that day, and he had some sort of evil looking goatee and a nice pin-striped suit (making him look even more like a mobster). Once he had finished what I can only assume was his best sales pitch, he asked each of the five men being interviewed how many sales we could close out of 10 by using that pitch. The first guy said 70% or 7/10. The next guy and all the rest said 50% or 5/10. Yes I said 50% also, just trying to be polite and show some enthusiasm, because this huge brute was obviously getting mad at our answers. I can't think of any sales person in any industry who would actually have a 50% sales closing rate.

The guy then says, "well you have made our decision easy. What you have just told us is that you have no faith in our products and no ability to be sales representatives. Almost everyone says 10/10!" I asked him if he had a 100% closing rate and he answered in the negative. He was so mad about my question that he spent the rest of the presentation attempting to make me feel stupid by telling me how successful the salesmen in the room were and some other irrelevant information; basically trying to bully me into agreeing with him by showing his aggression toward me. Even when he told us his average sales people closed one out of three sales attempts (33% opposed to the 50% I had suggested), he still posed that information at me like I was some sort of idiot.

After the "meeting" or "second interview" or whatever these guys want to call it, I met with some of the guys on the parking lot. We all sort of stood there looking at each other for a moment before I suggested those guys were the least professional I had ever met (I could tell the other guys were scared to say anything). Everyone agreed, we had a few laughs, we all shook hands, and we wished each other luck in the job hunt. The yougest guy out of our group of five was litterally shaking when I shook his hand. I told him to apply to as many jobs as possibe, to attend as many interviews as he could, and to never let someone intimidate him into working for them. The kid smiled and we parted ways.

My suggestion to anyone looking for a job in this tough job market would be the same as I told that young man. Oh and by the way, steer clear of American Income Life. You don't want to be tied in with people like that. And for those of you who try to defend these questionable business practices, I suggest you kep your names to yourself.

WOW! They just called me not even 5 minutes ago and was like come in tomorrow for an interview! I didn't even believe what she was saying one because the lady that was on the phone Anggie couldn't even speak clearly about the company itself! I was like if you are the forefront person of the company you should be very well spoken and know everything about the company! I just canceled my appointment as well at 10:45am! Thanks guys I really appreciate it because I really do need a job but I don't have time to waste on no scam jobs!

Thanks so much I had a call this morning from them and I was about to get happy but then I called back and put their number on google and found this. So I'm glad I won't be calling them back

THANKS A MILLION... I just cancled my interview for 10:45 am.

They call me for a supervisor position I am the head of the family and my wife is really sick and we are struggle in bills trying to find a job, you don't do this because you know how difficult it is to save the gas money to go to interviews and my interview was 10:45 thanks because when i check the name of the company American Income/ Logan & associates find out that was a scam

These people will hire anyone. If you have spent thousands of dollars on a college degree (which I have), I would advise you find something better. If you do not have the college degree, or love sales, it would probably be a great step in the right direction (especially if you are a people person). I have been contacted by too many people saying they need a 'financial advisor' and it turns out it is just a door-to-door sales job. At the informational meetings (which they call interviews) they will tell you how you can make so much money while sitting on your couch if you are able to recruit another employee... sounds a bit like a pyramid scheme if you ask me. I am just as frustrated as many others who have posted on this page with all the companies with these 'opportunities' available. I wish there was a way to block certain employers from viewing your resume altogether.
Lastly, when submitting a post with positive feedback about the company you work for, said company would probably appreciate you sounding educated and spelling everything correctly, especially when there is a spell check option at the bottom of the page!

This is such ### for them to do this to people, including me. I hope the go bankrupt or sued. Mother###ers messing with people's lives.

I also work for ail. When i was first recruited i was living in NV. I moved myself and my family to UT for this opportunity. I Was told from the get go that AIL is a commission only job... Yes this job is not for everyone but if you can do it you should. It took me 3 weeks to pass my test. ok done. and 1.5 week to learn my script) you get a sales script for HR reasons, as we work with union like the FOP and the Fireman's assoc. they want to know what we are saying in the home...) my first week of training i was giving a sale by my manager to get me a pay check. it was a nice pay check like 700 for one week not bad i guess. Once i was on my own i did great for the first couple weeks. almost got out of debt then too! but after that i started having a hard time... not sure why but i did... after two weeks with no pay check my manager wrote me a personal check for 1500 to help out my family then went out in the field with me to see what i was doing wrong and to help me. he wrote me three sales and got me back on track.. what kind of manager do you know would give you a personal check to help your family out?

and The products we offer are great. i have a policy with them and i am currently 21. for 65 dollars a month i get 150, 000 whole life guaranteed instant pay out with the freedom of choice! wow right.

Yes this job is hard, yes some of the managers are ###holes but if YOU do YOUR best and give it your all you can make 100, 000 a yr like me...

I have worked for AIL for 2 years now. I am so thankful for my job and this company. What we do is incredible. We help families in need every day. We provide free services to the community. We keep bags of food in our cars for anyone in need. Suggestion: Before you make a decision about this company, how bout you actually research the COMPANY, not someone's opinion. Feel free to visit altig.com and ailife.com--there you will find FACTS about how long we have been in business, how we're traded on the stock market, the services we provide, etc. It is such a shame that people are bad-mouthing such a great company and selfishly taking a career opportunity away from people in need--especially in our tough economic times. We are actually growing, actually hiring! We offer fulfilling careers and opportunities for advancement. I truly urge anyone who is fortunate enough to be offered a position to get the facts--the truth. If you're the type of person who believes everything he/she reads, you are not the right fit. We hire leaders, not followers.

I was wondering about this scam with AIL because i have received a phone call today from some guy over there and they had told me that they recieved my resume on Monster.com and said they were wondering if anybody has offered me a supervisory position and i said no and then proceeded to ask me if i was working and if i could come in for an interview and spend a couple of hours and to bring 2 resumes and pen and notebook and to ask for a Marc Bakford. Should i be worried about this or am i okay.

Jennifer

I have worked for American Income for the past 3 years and everything they said they were going to do they have done and have made me very successful. Of corsce they read off a script to interview with as many people they have to talk to it only makes since they are looking for certain traits in people and don't want to waist anyone’s time or money. The comp. invests a lot of time and money into you if ever offered a position with them. THEY are a greet comp. to work for you just have to work hard for it, and trust me it pays off quickly.

So i'm guessing most of these complaints are about the job, NOT the insurance? Because i just bought some life insurance, and i'm going to be paying 30/month. Is that too much?

HELP? I got a call at seven in the morning from a Beth something about an interview/job offer. She said that she got my resume from some website. This is exactly how she said it, " I got your resume off of flaimmyer..." Her voice just trailed off and I couldn't really hear what it was that she said. I have been posting up my resume on www.Careerbuilder.com and being out of a job, I was really excited when she called so, I couldn't really hear her. She said that I will be interviewing tomorrow for a Customer Service Representative position. The position entails being on the phone and meeting face-to-face with members/customers regarding their accounts. She didn't mention anything about sales. So, my question is; is there even a Customer Service Representative position that exists within AIL? Am I being duped into believing that I'm going to get a job. She did mention to "dress appropriately" and bring a "fresh resume with three references". One thing I found odd was the location of the office. She told me that I have to look carefully because the building that this office is in has no signs or names or even a number address. She also gave me a code or pin number so that I can "buzz" myself in at the entrance. ? I'm still a college student and I'm just so confused right now. HELP? Should I bother going to the interview?
One thing I found odd was the fact that there are virtually no websites that gave a full description of job titles within AIL. Every website that had a "Career" link/button led to nowhere or were un-clickable. Not to mention the job recruitment hotline, [protected]. When you call, the person on the other line cuts you off, asks for all of your information regarding address, phone number, email address, full name and time of availability. When I called, (twice, questioning the "customer service position) I was cut off and told that my questions couldn't be answered. The operator said that she wasn't authorized to answer any questions regarding ANYTHING about jobs and HUNG UP ON ME!. I was like, WTF? Isn't this a JOB HOTLINE? Aren't they supposed to answer my questions at least or give full descriptions of available positions? I've called so many job hotlines and this one by far was the weirdest one! After looking up the company, I found all these posts and complaints. One other thing, it took me FOREVER to even figure out what company this Beth was calling from because she wasn't speaking clearly at all. She told me that she was calling from American Income but, when she left a message on our answering machine, she said that she was calling from AIL World. When I called her back, her answering machine message said that she was Office coordinator of National Life Income... GOSH! She must be some super-woman because she's working at three companies at one time!

you all seem to my ignoring one comment I saw on here. there is money to be made. I'm sure theres issues in some of the offices with managers going a little crazy. but I am in a small office only a few agents, with absolutely no turn around. we all worked our butts off in the beginning getting out information down and doing ride alongs. but how else are you supposed to train? Just watch a video and jump in? I was not mislead on my original contact, i received a call from the person I interviewed with, who is high in the company. I had a second interview a week later with the region manager. I was offered the job if i could get my license, I did and everything went smooth. They even paid for a large part of my fees that were involved with me getting my license from the state. There's union dues, yep. Guess what? Every union has dues. Wouldn't it be a little hypocritical if a company that works soully with unions, credit unions and associations NOT to be part of union themselves? And find my a contractor thats not part of a union. Yes your a 1099 Contractor employee. So no you dont get paid unless you complete a job. Thats what selling is.
Not everyone is capable of making big money, sorry if you were one of them. Sorry if this didn't work for you. But like all thins, you need to work to make it.
Theres no easy job for big money. You have to work hard for big money. Its common sense. And dont think that I've just been sucked in with a scam. I'm a personal producer, i chose not to pursue management and to keep selling, so I can't stand and say I know anything about the management scams on here. But the job is real if your work is real. I've met enough successes and been enough of a success in the last 2 years to know that.

I got a call yesterday and wondered how I got the call... I was driving so couldn't really talk. I called back and still wondered how they got my information because I did not remember applying for ajob with them. I set up an interview and was told they would send me an e-mail. They did not. So, being inquisitive I looked them up. WOW! First hit I got was about what a scam this company was and how they recruit off of Monster.com which I had subscribed to. I go to Monster's site to find they had been broken into and personal information was taken so that they sent everyone a new password for their accounts. I called early this morning to A.I. and the message was that it was not a real phone number. I called after 9am and got a receptionist who said she would get the girl who originally called me for interview to call me back. I got on the net and did a load of research. There is even an investigative reporter doing a project on how people are scammed by this company. It is very eye opening and very sad given today's economic situation and how hard people are out there looking for work that there are companies like this one being allowed to carry on like this. OUTRAGEOUS!

You explained my situation in 2021-22 to a tee. Filing a complaint with the EEOC

Thank you for your insight about this company. They called me for an interview stating they had "entry level" manager positions. I put the call on speaker so my husband could hear the conversation. He was laughing hysterically because he has heard the scheme before. Get rich quick scheme! He is still laughing! They clearly do not review resumes before contacting people, I have been a senior manager for over 15 years and the woman says this position does not require experience, they offer a three week training program. Training program? Really? I told her to remove my name from their data and never call me again!

I had my first "interview" today. After the first 5 minutes of the infomercial I was ready to walk out, but decided to stay.
My first impression was "Amway Insurance", but I stayed, I was curious, I drove 2 hours to this interview, and well again, I was curious. 1 hour later, after listening to this very affable, well dressed, relatively articulate gentleman, I was then intrigued. Everything people have listed regarding the interview process happened to me, ( Portland ME, fisher agencies) the lack of information regarding the company, the professional dress required ( seriously), the cattle call in the waiting room. Yet I was still intrigued. I was told to go home research the company, download the app, and he the manager Rick, would call everyone by 7:00 tonite. I researched, and found many sites, obtained the information, from positive and negative sources. I am a hard worker, but I don't have savings socked away, I required a job not a pyramid scheme. Oh it's 9:49 pm Rick hasn't called. I guess I didn't make it to the second interview. Maybe he didn't notice I was breathing?

Has anyone have any info on AIL in Downers Grove, IL?

I have an interview with them this Tuesday, the 26th in London, On. I found this while researching the company for my interview.

Considering emailing the recruiter and letting them know I'm no longer available, I'd be comfortable with attempting a commission only job but not one where I have to pay money to work there on top of no income during training period, etc. Sounds like a lose lose scenario.

Thanks,

This company is a total joke. Everything is true and must be company policy to do everything the same nation wide. I walked in with soo many questions and when i went for "training" aka slavery i got asked to do so much and script so much that i forgot to ask questions like why dont we advertise? Why do we have to lie to get in the doors of leads if our product is so good? If managers and agents are making soo much why do they drive 20 year old cars? Why have i never seen a sale in the 3 weeks i was a slave there? Why am i making calls and setting appointments for the trainer and not getting paid for it? They break you down so much they turn you to a zombie before you realize your working for free and lining the pockets of greedy people. I would rather sell Kirby door to door! This place should be illegal to operate. The revolving door of new hires should of been enough of a sign for me to jump out the bathroom window in my first interview. Now that i have my license i might as well apply for a more repituble company. Well that was a $1000 dollar three week mistake and i thought i was smart before. This was the "Denver office" which was actually in Aurora Colorado they cant even be honest about that. In the interview they said it was a customer service job with entry level managment potential. Lie. I know the Colorado Senator in their district as well as their county commisioner, hmmmm wonder what would happen if i testified about this. Seems like all CL jobs opperate in they same way. Posible legislation against it. Lets call it the fair potential employment act...

I worked for AIL as well and all the posts are truth. It's a horrible scan. And my so called manager/trainer was only good at showing me how to do illegal things to get business such as rebating.

I answered an ad on Craigslist look for a job. I am retired from the Army and just looking for a job. I have an interview tomorrow at 10 am, but have decided not to go. There were many red flags raised that caused me to come and look the company up.
1. The person sent me an email through Craigslist instead of emailing me directly from a company email.
2. The lady called me to make the interview and said she would email me the directions. I called the number back the next day and it was a "Magic Jack" number.
3. She called me back and resent the directions, once again using Craigslist email.
4. In the email it said that it was a professional interview and you must wear a suit and tie, no jeans allowed. First of all a real corporate company would never have to tell you this. Professional people know to show up "dressed for success". This means that they are working with uneducated people.
My advice, do not even waste your time with this company.

AIL is not honest in the way they present their business.

Personally, I found the main problem with my recent barrage of interviews with AIL to be the lack of transparency. During the phone interview, the first interview, the orientation they ask you to stay for, and then the second interview they call you back for, they purposefully leave out the essential information as to what the details of the job are, how you will be compensated and overall what you need to know to make an informed decision about accepting the position. They are counting on you not doing this research using your confidence in their honesty and prestige against you, and that's why they should be ashamed of themselves. Yes they are running a business and it's a free country, but when a potential employee walks into an interview, the potential employer should be honest and truthful about all the aspects of the job, right up front, in its entirety. Anything short of that is dishonest, and therefore in my mind, completely despicable.

Thanx all for your postings, yes i got the same phone call and statements, you have saved me a lot of wasted time...isn't there a law against this type of 'business'?

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

Thank you sir.
You have just saved me what is apparently more valuable than money: my life. I was actually going to continue on with this program but I was starting to get a little suspicious myself. I have seen many different scam like attractions from employers of college students and I wasn't sure if this was another one of them. Thanks to you, I am done with it.

Grow up! There's no need to be so vulgar. I'm just putting down my "factual experience". Go back to your hole...That's mature. Way to keep acting like a child.

To emjwilso:

First off, go **ck yourself. You say that you are "paid to the dime" what your worth. Based off your post I would say you're worth no more than a dime. Way to come on here and bash other people for offering their factual experiences with AIL. No wonder no one wants to work for AIL, they have [censor]s like you writing crap like this. Way to be an ambassador for the company and showing how employees of AIL really think. Go back to your hole and enjoy your brief time with AIL.

I work for AIL and all you who have bashed my company have NO idea what your talking about. Probably your a little upset about the fact that you couldn't cut it... This job is only made for certain people. I am paid to the dime what I am worth. And honestly...if we we re to tell you on the phone that you were interviewing to sell life insurance...would any show up? Thats a definite ...no! Once you have the opportunity to listen to the career briefing your pre conceived notions for "life insurance agent" might change. As did mine... considering I have made over $50, 000 in 6 months. You peolple need to stop complaining and go find a job that you can handle... I heard Mc Donalds is hiring...

http://hotjobs.yahoo.com/careers-601428-American_Income_Life;_ylc=X1MDMzk2NTExMzc4BF9yAzIEbGlkA0hKMTAwVG9wQ29tcGFueQ--?ultsrc=HJ100§ion=TopCompanyList

What is not legit about a fortune 400 platnium company with an A+ superior rating with AM best (the best rating to achieve) and a company that was just listed as the top 37th company to work for in america by yahoo hotjobs 2009 . The only company on that list that provides supplemental benefits to the working class man. The company doesn't advertise because they made an agreement with the union board to not advertise to help keep the cost down. SO do some real research based on facts rather than opinons and reading peoples slander!

Well Everyone...
I almost did it too. I ran the gauntlet of interviews, and beat out the competition to get The OFFER. I thought it was wierd that on the day I accept the job offer, Ihad to hand over $560 bucks to cover my training and licensure. Thanks for posting this. I'm going back to school.

WOW! Thank god I read these. I got the very same call yesterday and thought maybe I had applied to it through Craigslist (They did not give me a clue where they got my resume from) because most companies do not tell you who they are. I decided to do some research seeing as how I knew very little about the company and did not want to going in looking stupid! I guess I have gotten really smart in the last 15 minutes of reading your posts! I will not be going to my interview tomorrow at 10 a.m. THANK YOU SO MUCH!

I presently work for AIL and I too wanted to share my thoughts concerning the company. I believe that the company as a whole has their share of failures. The business itself is a lot of hard work. you have to deal with reckless managers. The problem I believe they have is the mentality. You are only a good person with them when you are selling. When you are off/not producing you are a outcast. Their managers are inexperienced and just high producers. They need to streamline their promotions. Promotions at AIL are based on performance and not skills. So you have a ton of young hustling, no kids, no life, high producing individuals who become your manager and they have no clue on how to deal with people. In this present economy you have to learn to deal with all types of folks and unfortunately they are not trained to do so. So if you were a person that did extremely well in your last profession and were let go due to no fault of your own and now have to "start all over again" this may not be the company for you. Either than that it is what you make of it. There is just too much focus on how to get sales at any cost rather than focusing on the individual to make them successful in that business. Their system is somewhat faulty and like the other person above said you are required to work some very rough hours with the promise to make 80-90K in the long run. But I'll say again like the other person said. There are some people there doing some big things and once you find your niche or groove with them you can make a lot of money...if that is your goal.

I am so glad my husband checked this place out online. I had an interview set up for tomorrow 2/10/09 and I am no longer going. 51 complaints about a company is not a fluke. I even went as far as to put in multiple company's I had previously worked for and company's I had never worked for on this website and NO ONE had a complaint. OMG thank you everyone for commenting on this place.

So I read some of the posted complaints about American Income and the so-called job opportunities that they call and try to sell you on! I too received a call this morning from a "representative" from this company who also found my resume on Monster.com and felt that I was a "perfect fit" to be a manager for American Income.
Apparently these so-called "reps" do read from a script because I was told word for word what all of the other "perfect fits" were told; show up dressed professionally and bring in a hard copy of my resume to interview for the manager position.
I am so GLAD that I did my research on this company prior to showing up at my first interview tomorrow morning! I will not be showing up for this interview nor can I cancel my appointment because as another one of the people who has complained said. . . .no voicemail to leave a message on and now no one is answering the "business phone?!?!"
Thanks for the forum to get this information out there to those of us who are looking for REAL employers and who don't have the time to mess around with a joke like this!