American Income Life Insurance / The truth!
I too was fooled by the lure of infinite wealth. Interviewers beware. I was brought aboard as a master general agent. I was privy to the real deal...
Fact: if you are tenacious and have the work ethic, you can make a realistic 35-60, 000 your first year... But you had better be willing to work 7 days a week, with very long hours and have little or no family time.
Fact: you will be hired and quickly promoted if you show any talent, however; be wary of your promotion. The philosophy is promote, and have the newly promoted person recruit, and train new agents, and if that promoted person burns out from the extra workload hopefully he has replaced himself 4 times over with new recruits.
Fact: ail does have lifetime renewals. If you are fortunate enough to stick it out for 10 years, you will receive your lifetime renewals, but the products are so ridiculously overpriced, that anyone with half a brain shops around and finds a way better price for the same product and cancels. These cancellations do not affect your weekly pay at first, but rather are taken from your renewal fund, that is until it is empty... At that point your front end pay is affected and reduced and even taken away... Most everyone at ail has gone through "retention hell" for the simple fact that the product is not competitive in the marketplace, and cancellations are inevitable...
Fact: ail is one of the fastest if not the fastest growing insurance company in the world. That is not hard to believe, since the products are so ridiculously priced that many of the policyholders probably cancel before ever making a claim, thus boosting the net worth of the company... The real shame is that the program does work, at the expense of others. Many managers take advantage of people, lure them in with promises and turn and burn them... Ail is an agent mill, with constant turnover in the lower ranks. If you are looking at insurance opportunities, I would advise you to look hard and ask many questions if you are considering ail... Ask to attend the weekly meeting. Find out how long everyone has been there. If you have a lot of long-timers, I would say the state general agent is a good person, who believes in taking care of his agency. If the only ones who have been there longer than one year are the mga and ga ranks, run and don't look back.
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