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American Income Life Insurance

American Income Life Insurance review: fraud & cheating! 76

J
Author of the review
12:00 am EST
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This review was chosen algorithmically as the most valued customer feedback.

I received a call from a Charles Byrd of American Income at my home. I was immediately suspicious for two reasons: he called from a cell phone and started asking questions about my child. He already had too much information about my family, and was trying to lure me in by offering to register my child with a "child safety kit". He offered to call back if I wanted to think it over, but I told him I would contact him with my decision. I went online to research the company, and found this site with quite a few complaints about this so-called Life Insurance company.

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76 comments
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malorie
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Oct 26, 2008 11:09 am EDT

I worked for american income for about 5months. During the time i worked there i was constantly under pressure to produce, PRODUCE! Sure that's expected, but when I didn't hit weekly production one week I was called out from the front of the Monday morning weekly meeting and was told infront of everyone, that "I was doing a half assed job and I wasn't serious about my career." Talk about inappropriate & unprofessional! Do these ###s really think they can motivate me to MAKE THEM MONEY by giving them a public lashing? Through out my employment at American Income there was nothing but false expectations, shadey so called "managers" who lied on a regular basis to cover their own butt, and dispicable behavoir. THINK AGAIN BEFORE YOU GO FOR AN INTERVIEW!1

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Drew
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Sep 23, 2008 10:30 am EDT

The company is real and their products are real which prevents a better business claim. But how they go about conducting misleading appointments makes me sick.

MATHMATICAL PROOF
Now you could say, “Hey you just had a bad experience and are venting trying to talk bad about the company.” Well let me provide you with some figures including exactly what I made for the 27 weeks I was with the company. The numbers include, advances, overrides, and bonuses paid out. Now granted I could have added wrong or missed a paycheck but its pretty much spot on.

$14, 958.35 total income / 27 weeks of employment = a whopping $554.02 per week

I drove a total of 39, 935 miles for this job in the 27 weeks = 1479.07 miles per week. I was in the field 6 days per week which = 246.51 miles per day. My car averaging 26 mpg at an average cost of $3.54 per gallon, I spent $5, 437.30 on gas alone!
Now you could say well it’s a write off, well kiss my grits you only get back a percentage.

Now keep some things in mind. I was their top agent for 4 months writing the most business. As a manager I had one of the top producing teams. And this is what I have to show for it?! The Raleigh agency is one of the best agencies in the company and the agents are starving, barely scraping by. I was and I outperformed most of them having the highest quality of business ratings.

I too initially was 100% in, but the proof is in the pudding. TEST: Get your 1099 add it up, subtract your out of pocket expenses, then tell me what you really made.

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Julia
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Jul 20, 2008 8:45 am EDT

This company is not a scam persay. They have insurance benefits which are offered to union members, credit union members, or family members of them. The tactics they use to sell are a scam. They are an awful company to work for and half the time you don't get paid for what you sell. You are told to make appts. with the union members telling them you have benefits provided by their union. When you get to the members home you are told to show them the free products ($1000 accidental death) and then show them this other policy which offers so much more. After the person sees this, you then tell them they only get the $1000 accidental death and have to pay monthly for the rest. They are feeding on union members and I truly wish these unions would stop using them. The unions definitely are getting scammed. Do not work for them or purchase their product.

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Kate Starnes
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Jul 18, 2008 12:39 pm EDT

I am a full time student on the verge of graduating this fall. I went to a career fair that my college was putting on and talked to a representative about a job at American Income Life this spring. I was really impressed with the gentelman because he said that he made 50k his first year and that he made it to a state director's position in just five years. I could tell he was young so I thought this was great! Well I got a call for an interview about a week later and after my 2nd interview I was hired. They made me feel like I was priceless. They said all the right things. I was told that I would only have to come into the office two times a week for a meeting and making my appointments. I already had a part time job locally (no drive time), which I quit to work for AIL, BIG MISTAKE! Their office was a 92 mile round trip from my house. With the cost of gas I thought only having to go in two times a week was a good thing. After I went to Agent's school @ my cost of $260.00, that I really didn't have, for four days @ 90 miles round trip each day, to get my license, all the bologna that I had been fed started to unravel. I went to the first meeting and noticed some of the people coming to the meetings were not dressed very professionally. That made me curious. Then I learned that I would be working a six day work week and on top of that on Sundays. I was told rarely would we work on Sundays and we set our own schedule. I was never told a six day work week. The director really misrepresented all of the benefits of working for this company. Not only would I be working more than he said I would, he told me my schedule would be flexible. It was their schedule not mine. I also told the director in the interview in which I got hired that I was going to be in summer school and that it would be in the morning. Then in the second meeting I was told that all the training was in the morning, when I was in school. I thought to myself, "When will I get trained?" When I e-mailed the director to ask him questions that I had about the company, I asked him if I would get paid during training and he assured me that I would. I couln't afford to drive everyday 92 miles round trip on no pay while I trained. After much thought I finally wiped away the glaze from my eyes that they had fed me and started to realize that they had lied to me about several things. The work week, the amount of hours, the schedule, the pay, the training, and the travel. I was not fortunate enough to see this website before I endured all of this, but I am taking action right now to see that they are pulled from the career fair so that future students don't have to endure this kind of humilation. This serves as a WARNING TO ALL American Income Life is a waste of time and money. If you are still unsure Please, I beg you, do your homework. I am out over $700 in gas, time, and money.

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Lorrie
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Jul 17, 2008 8:35 am EDT

I have an interview with a company I believe is the same company, American Income Partners. Everything I have read seems to fit in with what I have heard over the phone. I am very nervous about this interview as I cannot reach anyone by phone and once again the only information I find is negative.
i am keeping the interview only because I really want out of the position I currently am working and just in case this is different I want to give it a chance.
I will post again after the interview so if they have changed the name others can be aware.

Very Nervous in North Dakota

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Babs
Hemet, US
Jul 07, 2008 10:24 am EDT

As a healthcare provider, back in May 2008 I was contacted by phone several times by a sales person from AIL who insisted he needed to come to talk to me about my "benefits". I finally agreed, as we were shopping for life insurance at the time, and he came out and started off with a "free" benefits package that included discounts to a couple of services. We purchased life insurance (not a very good deal but we figured better than nothing), but I also paid $24.95 extra for the "gold" package of the free benefits package, thinking the discounts he told me I would receive would help supplement my daughters' dental bills and hotel stays etc So here it is July 2008 and while the check was cashed back in May, I still do not have a membership card. I've tried unsuccessfully all morning to get info on the "gold" package, when I finally got through the person told me they had not received my check (although it was cashed back in May) and now I have to get a copy of the check and fax it to them to "prove" I paid for the benefits. Since the so-called benefits are pretty much useless I am going to request my money back, even though it's only $24.95. As for the life insurance we purchased, now I'm very worried that we made a mistake. So far we have only paid them $240 but I'm just hoping that we made the right decision on this term-life insurance.

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Jennifer
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Jul 03, 2008 3:19 pm EDT

They are a total scam! They cheated me and I lost more than $5000 working for them!
And they say that people who used to work for them are bitter. No they're not bitter, they're telling the truth.
You will go bankrupt if you sign up with them! They will hire anyone and everyone! They will lie to you and pretend that your resume is the reason they called you. But they don't even look at the resumes, they just call every single person they can.

Why do they try to hire so many people? Because everytime someone accepts the job, you have to pay an additional $300 for "admin fees" which goes into their pockets. So imagine if they hired 10 people, ... they'd make $3000 just like that.

Keep away from them@

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Donna
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Jun 16, 2008 2:03 pm EDT

This is a scam operation. BEWARE. I am a former court reporter and when they contacted me for an interview, I remembered the name. If you check, they are involved in many lawsuits, namely labor and employment.

If you dig deep enough, you will be glad you never went to the interview to hear the absolute BS.

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Fizz Bot
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Apr 17, 2008 4:28 pm EDT

Google any other insurance company and YOU WILL NOT FIND any complaint boards or blogs about them. American Income Life is the ONLY insurance company that has 3 complaint boards dedicated just to them. What do you think this really says about this company ! The only insurance company that people go out of their way to write complaints abouts.

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R clement
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Apr 09, 2008 6:51 am EDT

Jim Wall-

Understand that the salesman who came by your home did not need to come by to designate a benficiary-it was merely a tactic to get in front of someone to throw a sales pitch. The form they had your mother-in-law sign did not need to be signed to designate a beneficiary. It is a benefit she already had through her union's endorsment. AIL has been fined and repremanded in the state of Washington for having this "get your foot-in-the-door to make a sale" tactic, but surprisingly no other state has caught on. If your grandmother dies in an accident, her beneficiary is entitled to $1000 or $2000, depending on amount on the slip she signed. The salesman who came by would have sat down and done a 30 minute presentation to sell life insurance, but when they got there they realized they can't make any money off an 81 year old and probably tried to get referrals (relative names) to make future sales. That was their main reason for coming by and spending 20-30 minutes of their time-to get referrals to sell to her family members. Visit scam.com or [redacted] for a more in depth discussion on this company.

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Justine
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Apr 06, 2008 10:50 am EDT

American Income Life / National Income Life encourages all complaints to be addressed by email to: jmsvacina@ailife.com

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Stephanie Martens
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Mar 31, 2008 6:29 am EDT

I have an interview with this company in 1 hour. I have been leary about it from the beginning as I dont see how someone with no college degree can be "headhunted" for such a salary. After reading this website, I will not be going to the interview. Thank you people for your honesty, all the flags I seen are the reasons you guys see too.

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Scratch Morton
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Mar 25, 2008 10:49 pm EDT

I had an experience after college with a life insurance company in Studio City, "Comstock Financial". I was enticed by fresh bagels and Java and a former Major League Baseball player was present.

Yes "Independent Contractor" the meetings twice a week.The CEO versed the good book and taught sunday school. I was there for two months without a paycheck.Although my coach would keep telling me stories about the big deals he was close to getting. But why does he drive a ten year old Mazda? I asked another unsuspecting victim.

It took Chuck Schwab two months at a life insurance company without a paycheck to realize that for every life rep making money, nine more do not! Insisting that the experience was good for him, however, because he realized that fixed annuities aren't a good investment! Just a pocket of air compared to total returns of reputable mutual funds.

My Father was an insurance executive with two sound companies and had every insurance certificate that could be had. "We spend millions on research for an income fund yielding 11%, but Comstock financial promises 24%."

An employee recognized me at the gym and told me "They can't sell those policies now and they're under investigation" Months later it was on the front page of LA Times business section. Comstock Financial was shut down by SEC. "They bilked investors."

Among those investors The Reverend Schuler. Only 12 1/2 cents to a dollar was recovered.

I just canceled my appointment with the aforementioned entity.If they don't require a series 6/7 and 65 license along with life and disability, then it sounds too easy to me. Yes they were pushy.Called me yesterday and this morning("expecting you to call in the next hour").

They may have been in business for a long time, but that doesn't mean they can't get shut down by federal and state regulators.It can take a long time for the SEC/FINRA to shut bad financial entities by legal means. But they usually do.

"If it sounds too easy then there is "somethin wrong here". If qualifying exams are as minimal as only state life license and no requirement to take series 6/7 and 65/66 licenses thent it just can't be a sound financial entity.

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James Wall
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Mar 22, 2008 11:30 am EDT

I have a question (see after my situation) My 81 year old mother-in-law who lives with myself and her daughter just experience one of American Income Life Insurance Company sales people. I listened and I was almost sure that he was a salesman though he did not represent himself as such. He presented himself as one explaining some benefit to an existing policy from the union. He had her sign the signature section of what he claimed was her acknowledgement of an existing policy. I can’t believe I allowed her to sign it, but I did. He tore the signature section off and slipped it into his brief case. A few minutes later when I ask for it so I could make o copy of what she had signed he reacted, but did allow me to make a copy, damn I should have tore it up.

As I now read the very fine print next to her signature it says:

“I accept this insurance and designate (beneficiary’s name) (relationship)…

He got no new information such as checking account numbers, credit card number, or anything he did not have before arriving. OOPS! He did get her signature.

QUESTION:

What have I allowed her to sign?
Should I have concern?
Are there any actions I need to take?

I appreciate and thank you in advance to any time you may put into responding to this.

Jim Wall

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Azriel Nguyen
, US
Apr 18, 2017 3:32 pm EDT
Replying to comment of James Wall

Hi Jim, you do not need to worry. The $$$$ benefit that your grandmother received is fine. If it was from her union ($2, 000 - $4, 000) it will automatically renew each year at no cost to her. If the benefit was a generic $2, 000 provided through the sponsorship of the IUPA, the slip that the representative tore off will be used to activate that protection. If she fills out the rest of the certificate (left side) and mail it in to the Waco address (top-right corner) she will have the opportunity to renew and increase the coverage next year. It will cost $1 per $1, 000 for the year, so $2 next year if she wants to keep the same protection. Best part is no health assessment or any qualifying, she is simply covered despite age or any health issues! Hope that helps Jim.

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Mark Swaine
, US
Jul 05, 2017 8:53 am EDT
Replying to comment of James Wall

It is a ligit Insurance policy with a ligit Insurance company. By signing the paper, you verify the beneficiary. This allows the benefit to be paid to that individual and not to the insureds estate, which is taxed. Life insurance is not taxed, unless it is going to an estate. If it goes to an individual, the government cannot tax it.
As far as her Union, they fully endorse AIL and everything that they do.
So to answer your questions;
You allowed her to sign a policy that is provided to her in a cooperation between her union and AIL.
You do not need to be concerned.
The only actions that you need to take are in the event that you mother-in-law passes away and you are the beneficiary. Those actions are described on the paper that was left with you.

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Mark
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Mar 17, 2008 5:53 pm EDT

This is funny. I just posted my resume on Monster, and got a call from AIL today. It just did not seem right to me. They only have "interviews at 9:30 and 12:30. No evenings, like you would think for the people who are employed. The woman told me her boss thought I would be perfect.

I have no background in sales, insurance, or unions. I have a very large and comprehensive technical backround in regard to power plant and energy management. I asked her what this job pays, and she asked me what I made. I told her and she said there are people here, "Managers" that do make that pay.

It just smells. I think I will make an appointment and then just not show up. At least that is a time slot that nobody will be there for wasting their time hopefully.

Of course, first thing I did was find the net to find more about them, and here I am. Obviously something wrong for this blog to exist.

I think I will go see if State Farm, Prudential, Allstate, and others have blogs like these about employment with the company.

I mean come - why call me to sell insurance when there are so many salesman out there already. Has to be BS

My first blog also. Thank You others for doing this so that I easily could find this out instead of wasting my time or effort although I was thinking it anyway.

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R clement
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Mar 14, 2008 12:31 pm EDT

Bless your heart, Christian. I'm gonna ask you to do something-and I really mean it. Ask your manager, or your SGA, if you can see their 1099 tax forms from the previous year. I swear to God, you will be blown away at how much money the people in your agency AREN'T making. I didn't believe it at first when I was an agent because they did such an amazing job showing everyone all the big $$$ that hard working agents were making...but guess what? Its smoke and mirrors, brother. I ain't kiddin-I saw my own manager's financial statements and learned that he was broke and in debt, when he was telling me how he was making big bucks, in fact thats why I became an agent. He showed me his advance reports from the weeks where he did very well! But he also didn't show me all his expenses and all the awful advance reports from the weeks he worked 70 plus hours and made less than 200 bucks. The MGA who hired me just quit because he finally learned this "amazing opportunity" really isn' t that amazing. For God's sake man, just look at all the cars the people are driving at your agency-isn't it obvious everyone is broke? They are extremely good at denying they are broke because theyre so brainwashed that they really think theyre on the road to becoming millionaires. Poor souls. Please man, just ask to see their tax forms, thats the only proof they have at showing you how much money they actually made. Don't believe a word they say without seeing actual proof.

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Philip
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Mar 14, 2008 12:19 pm EDT

I too received an offer for an interview, and was given a phone number to call. I researched the phone number, and it is a mobile phone based out of a city three hours from me. I then began to do a search on the company and that is how I came across this site.

I too normally won't respond to these blog sites, but because of what Christian wrote, I felt compelled to.

In all honesty, I doubt your claim concerning your education. You lack complete internet "etiquette" by typing in all "caps." In addition, your grammar and spelling is horrendous, and how your present yourself is quite embarrassing.

If you are the type of people that this insurance company hires, then I am embarrassed to be be offered an interview with them.

This may or may not be a legitimate insurance company, and may be licensed by the states they operate out of, but that still does not reflect the company's personal values. Just because you can receive a license to do something, does not necessarily mean that you are "wholesome."

I also consider it extremely rude that these emails which are sent out attempting to lure in prospective "employees" do not leave any way for you to contact them back, except via phone, and I have no intention of letting these "jokers" have access to my phone number.

Phil

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Janice
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Mar 14, 2008 10:19 am EDT

Christian, normally I wouldn't bother to respond to one of these blog sites, but your response left me no choice. First let me say, I too was contacted for an interview with this company and like any smart individual you should always try to verify information on the company you apply for employment with. Well, I couldn't find a good web page or any significent information and that's why I'm at this site now. For you to write all this positive information about the company makes me wonder what type of people they hire and if they really are legitimate. First of all your spelling and grammar are terrible. Did you not know how to use the spell check button? As a customer I wouldn't want someone like you writting up anything that important for me. My adivce is that in the future when you want to support something, you seem to feel so stongly about, take the time to read it over before you hit the send button. It could leave you looking very knowledgeable or as you put it, looking like and "idiot". And, yes I did past the exam.

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Christian Bryant
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Mar 13, 2008 8:49 pm EDT

Im in shock to hear all these completely false and negative things about American Income... say what you but I happen to be a current employee with the company... AIL is fully organized... DONT BELIEVE THE ### PPL ARE TYPING ON HERE...IF THEY ONLY KNEW THE UNLIMITED OPPPORTUNITES THAT YOU HAVE WORKING WITH THIS COMPANY? I DONT KNOW WHERE ALL OF THIS IS COMING FROM? BUT OBVIOUSLY YOU IDIOTS NEED TO CONTACT THE BETTER BUSINESS BEREAU. NOW ASK YOURSELF ONE QUESTION? IF ALL WHAT U ALL ARE SAYING IS TRUE? WHY IN THE WORLD WOULDNT SOMETHING HAVE BEEN DONE ABOUT IT? WE HAVE OFFICES ALLL OVER THE US... IN 49 STATES! THEY WOULDVE BEEN SHUT DOWN BY NOW...PPL STOP BEING INGNORANT AND REALLLLY TAKE THE TIME TO RESEARCH ABOUT THIS COMPANY...B/C LET ME TELL YOU I AM A COLLEGE GRADUATE WITH A BACHELORS DEGREE IN GRAPHIC DESIGN...AND I CHOSE TO BE A LICENSED INSURANCE AGENT WITH AIL...BC THE SKY IS THE LIMIT... SO WHATS NEXT UR GONNA TELL ME THAT MY INS LICENSED WHICH WAS ISSUED BY THE STATE OF CT IS REAL? U HAVE TO BE LICENSED TO SELL INSURANCE AND MAYBE YOU GUYS WERE ONE OF THE DUMB ONES WHO COULDNT PASS THE STATE EXAMS THATS WHY U HAVE NOTHING NICE TO SAY...I SWEAR..THE WORLD IS FULL OF NEGATIVE, EGOSTATICAL PPL WHO JUST HAVE NO WILL TO SUCEED IN LIFE AND WORK HARD TO THEY BUNCH TOGETHER AND LET THEIR NEGATIVITY FEED OFF EACH OTHER... ITS TRUE MISERY DOES NEED COMPANY...

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foxx
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Mar 13, 2008 4:41 pm EDT

Here's the deal.

I am a professional who is employed full time. I just posted my resume on Monster, I got a call for an interview next week... no questions asked. I was also told like everyone else "bring your resume and dress professional" I was immediately suspicious, especially since I just had a telephone interview earlier in the week for 25 minutes. There was no questions asked i.e., "Are you still looking for work" What are your salary requirements" "What level are you at in your career" Nothing... strange. So I asked the woman, what is this position for she said "a manager" I then asked where it was located and she replied with "We have 3 offices and named them all, then said which one are you closest to?" I finally asked her for the website to the company and she said "Fortune" or something or other then told me, when I get to the website, go to TNT? Sounds like a racket if you ask me, I did some research came up empty handed and found this site. I got an email of confirmation of my interview, in which I replied with the link to this site. All I am basing this on is my own personal experience. Like others here, I don't have time for these "Time share type" of opportunities.

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Leslie
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Mar 10, 2008 3:33 pm EDT

I am so glad that I found this sight. I am new to San Diego and looking for work. Now I am educated, but I have been a stay at home mom for 9yrs. so when it comes to finding a job, most everyone wants experience. Then along comes AIL, they call me many times leaving messages before they got to me. Well I set up the interview, but was unable to go. Can you believe this, they called me again! I ditch the interview, not by choice, but they call me again. They need to check their call lists. I will not be going for that interview either. Thanks again!

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Crystal
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Feb 27, 2008 8:47 pm EST

LOL and whats with these positive comments? "I will have you know" They seem fake like they have people sitting online doing damage control - if you are a reputable company you dont need to do that! I can only speak on what i personally experienced and i do know for a FACT is that this was a really shady way to get someone in for an interview. Very unprofessional. This was enlightening Thank you all.

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Crystal
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Feb 27, 2008 8:38 pm EST

I got an email / interview request and when i called to get info on the job the receptionist said the person hiring was not in but he was scheduling interviews, i got the same "dress professional" and "bring your resume" well she couldnt tell me anything about the position except it was a manager position, and what company tells someone to dress professional and bring a resume? No ###! If it was a legitimate job offer for a real position that would be common sense, so i checked online and there is very little info on the company. I am not interested in wasting my time if i dont even get answers on what i am interviewing for! I am not even into sales or insurance and wouldnt you think they would want to know that?

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Anonymous
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Feb 26, 2008 1:37 am EST

The child safe kits are designed to get their foot in your door so they can sell you insurance. You can get these kits for free from many other sources and not have to e pressured into buying anything. They are sponsored by "The international union of police associations". Thats not a union and that not the police and fire fighters. They got some police association in virginia that is probably no bigger then a PTA group to support AIL. That doesn't mean that your local police and fire support them. In fact, when I was selling with AIL I had a person call the police to check on the child safe kits and she called me back and said the police officer said do not let me in her house. Say what you will about AIL its a MLM and failure.

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San Diego
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Feb 14, 2008 10:51 am EST

So are you suggesting that their benefits are a scam or workign for them is a scam... I just signed up with them and now i am second guessing myself?

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Mark Swaine
, US
Jul 05, 2017 8:40 am EDT
Replying to comment of San Diego

You just had an Insurance Professional from a company that has a long standing history of carring the benefits for pretty much EVERY Police, Fire, Laborer, Teacher, State, City, County, Federal, and Municipal across the country, and has been doing so since 1951. How is this a SCAM? How would they have an A+ rating with AM Best and the Better Business Bureau?
Try doing your due diligence and look at the facts, not the complaints. People that complain do so because they are either uninformed, or uneducated to what the topic matter is.

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Brady Pesola
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Jan 08, 2008 10:39 pm EST

Listen people I used to work for American income life. the only reason i left was that i was recalled back into the marines for further service. the company has a great program and the only reason you would be lucky enough to be contacted by the company is if you are part of a union credit union or association. or you were sponcered by a loving family memeber who obviously cared about your funeral and final expences enough to have the agent go out of his way to call you. so there you go. we only do private organizations people.

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oz
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Dec 03, 2007 9:52 pm EST

I DON'T KNOW WHO YOU TALKED TO BUT ACTUALLY THE KITS ARE ENTIRELY FREE. ALL THE INFORMATION IS RECEIVED FROM ******YOUR UNION***** THEY ALSO DO WORK WITH THE POLICE ASSOCIATION. IF YOU HAD A PROBLEM RECEIVING YOUR KIT *******YOU SHOULD HAVE CALLED******* THEY WILL SEND YOU ANOTHER. ALSO TO HAVE BEEN OFFERED BENEFITS **********YOU HAD TO CONTACT THEM , OR REPLY TO THE CARD THEY SENT YOU******** OR HAVE BEEN SPONSORED BY A FAMILY MEMBER OR FRIEND. AND MOST OF THE COMPLAINTS RECEIVED ARE BY ILL INFORMED PEOPLE. THEY HAVE 1 COMPLAINT ON THE BBB RECORD FOR LIKE TEN YEARS OR SOMETHING. SO YOU OBVIOUSLY DIDN'T DO YOUR RESEARCH, YOU JUST LOOKED TO FIND ANYTHING YOU COULD TO FIND SOMETHING BAD.

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Trevor Norman
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Nov 29, 2007 7:20 am EST

Linda,

I will have you know, this company does work with the International Union of Police Association, and I will also have you know this... I personally commend this company for taking the fight back to the front lines with children if they were to go missing. If your child were to go missing, and by the use of that kit, would you be greatful for this company providing it to you free of charge? Did you know that over 800,000 children are reported missing each year? That's over 2,000 children per day.

In fact, I urge you to call Shawn Hornbeck, Natalie Halloway, all those big profile cases of missing children and ask them to not support this program... If you can do this, and I read about it in the paper, then I will support you about this organization.

I mean, you being a mother... c'mon, you should have enough sense to help protect your child with this simple kit.

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Lfick
Westminster, US
Nov 21, 2007 6:23 pm EST

What this company does is offers free Child Safe Kits to families, what they do is call them to pre-qualify them and if they have a checking or savings account they will come to your home with the kits and try to sell you insurance, if you don't have a checking or savings, they say that they will send the kits in the mail which they don't do half the time. They misrepresent the International Union of Police Associations. This company also brags about this wonderful food bank that they offer to their clients that is also a bunch of crap! This company lacks integrity so Beware!

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floraccents
, US
May 06, 2017 12:06 pm EDT
Replying to comment of Lfick

Dear All, First and foremost this company provides a service to the community by distributing Child Safe Kits. Logically, nothing in life is free. On delivering the kit, the company takes the opportunity to introduce itself and its services mainly life insurance. Life insurance is a federal and state controlled profession. Representatives must pass arduous academic tests and brand a super clean background record. That said, everyone from birth needs to cover their final expenses. We never think of it until it happens and our finances are devastated. That is how the company brings to light the need for coverage and provides along with the child safe kit an additional service: the awareness that all of us need life insurance. In terms of employment, I am impressed that the company provides the same opportunity to all regardless of background and experience in a world where if not college educated and from an ivy league school you would not make it through the door but only through the mail room. You will be trained and if persistent succeed and have an equal chance of earning a living as the next person. I would not recommend making a decision about any matter without undertaking a thorough and direct investigation and collecting opinions from educated sources is paramount. And this case is no different. All the best,