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American Income Life Insurance
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2.6 145 Reviews

American Income Life Insurance Complaints Summary

59 Resolved
86 Unresolved
Our verdict: Dealing with American Income Life Insurance, which has an average resolution rate, requires some diligence. Research their service in depth and read a variety of customer reviews for a balanced view. Approach any customer service interactions with detailed and well-prepared queries to facilitate a better resolution process.
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American Income Life Insurance the scam continues!!!

I am so glad I checked out this company online. I have an "interview" schedulded with the AI in Charlotte NC with Jim Logan this Thurs 01/29/09. I thought something was odd about all of this too. I really need a job just as much as everyone else who is looking but there is no way no how that I will go to that interview. I think it is a shame for them to get a persons hopes up for a job. Hang in there my fellow job seekers and know you are not alone in your search.

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LA guy123
, US
Jun 23, 2017 2:14 am EDT

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

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Marco0902
Huntington Park, US
Jun 04, 2015 3:13 pm EDT

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.

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Debbie Hendrickson
Inglewood, US
Aug 27, 2014 11:44 pm EDT
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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...

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Ms. Antezana
Los Angeles, US
Dec 17, 2013 12:57 pm EST
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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!

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MichaelAIL
Asheville, US
Feb 11, 2011 7:09 am EST

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.

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Scott Edwards
Barstow, US
Nov 24, 2010 11:04 pm EST

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.

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MichaelAIL
Asheville, US
May 14, 2010 7:43 pm EDT

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

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MichaelAIL
Asheville, US
May 14, 2010 7:43 pm EDT

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"

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Paul Lund
Brainerd, US
Apr 26, 2010 7:38 pm EDT
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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).

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Razgriz
Charlotte, US
Apr 05, 2010 1:31 pm EDT

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.

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American Income Life Insurance scam

I am a previous employee for American Income Life in Omaha Nebraska for a short period of time and made ends meet when it came to the income, not the 50-60k that was promised. While working like a slave for John Akers I also saw a guy walking around that had Tony Robbins in his ear all the time on his IPOD and the guy's name was Brian Behrens. No one ever really saw him do anything, but he was always there and said that we should work 70 hours a week to solidify our futures. The truth of the matter is, everyone worked like a slave and never lasted past 6 months it seemed. There was a lot of chatter in the office about what was "going on" so I decided to research this shady "Behrns" character. This is what I found, check it out.

http://www.sec.gov/litigation/litreleases/2008/lr20427.htm

He is a crook and John Akers is a crook too! They treat employees as slaves and do nothing themselves. Do not work here! You will regret it.

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jdollen
, US
Mar 10, 2020 8:49 am EDT
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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.

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Granby22
Omaha, US
May 14, 2014 1:59 pm EDT

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.

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Crayman74
Columbus, US
Jan 16, 2014 10:33 pm EST

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?

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Scott
Cassopolis, US
Mar 17, 2009 10:09 pm EDT

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.

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DD. Thompson
Chicago, US
Jun 25, 2009 11:50 am EDT

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.

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ocsnfsh
, US
Jul 10, 2009 5:37 pm EDT

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."

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R. Cross
Edina, US
Feb 17, 2010 11:14 am EST

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...

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tj66
, US
May 26, 2012 2:02 am EDT

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.

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Rn12345
orlando, US
Apr 23, 2012 12:42 pm EDT

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.

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LesterBurnam
Olmsted Falls, US
Mar 13, 2012 7:53 pm EDT

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

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American Income Life Insurance - hiring scam

I received a phone call from a Ms. Solomon from AIL claiming she had gotten my resume off of Monster.com and wanted me to come in for an interview. She set up a time for me to come in for an interview later in the week. I thought it was weird when she told me to dress professionally for the interview, so I did some research on the net and found complaint...

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American Income Life Insurance misleading job opportunity

Thank you everyone that posted!

Your comments and feedback on american income life or "ail" saved me from waisting my time. I too received an unsolicited phone call from a (Leah) scheduling interviews for management positions in san diego. When i asked about the job description i was given the web site with no specific details. Asked who i would be interviewing with...Given the ..."one of our management team", also instructed to i.E., "dress professional, bring resumes" ...Park on the street, not in our employee lot and yes "be ontime".

When i asked where did you get my resume - i was given the "career builder" response. I only had my resume up public for two days and took it off after getting sooooooooooooooo much garbage i.E. Job opportunities. Evidently they must have pulled it prior to me removing my resume.

In summary, if your in a position to upfront financially invest in your sales or management job training with no clear defined salary, expense reimbursement, or position...Go for it. My suggestion, take that money and register for college/university classes that will really pay you back down the road. Professional companies "pay for their employees training" directly or through tuition reimbursement.

Shame on the company for pulling people in for a cattle call interviews, expecting to only scam a percentage. Don 't be their next "sucker", hold onto your money and use it to maximize your job search!

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ShazmaAhmad
, US
Jan 24, 2017 9:01 pm EST

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.

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Angie Hutchins
, US
Aug 03, 2015 11:15 am EDT

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.

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Lydia Ertle
Houston, US
May 09, 2012 3:27 am EDT
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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

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Joe Ramos
, US
Jan 06, 2012 10:05 pm EST

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.

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Ms. Wendy B
San Diego, US
Jul 22, 2011 1:08 am EDT

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.

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Songbird7
Brick, US
Mar 30, 2011 2:44 pm EDT

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.

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kathleennnnn
Anaheim, US
Mar 24, 2011 10:55 pm EDT

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.

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radii
, US
Sep 20, 2010 12:00 pm EDT

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

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Laura Halcon
, US
Mar 18, 2010 9:50 pm EDT

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

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bobbo65
Selden, US
Feb 04, 2010 12:06 am EST

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?

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American Income Life Insurance - scam! thanks everyone!

Hello Everyone! I would like to thank the other career seachers for their information on this web page. I was contacted today about an interview with this company and decided to do some company research before I went in for my interview, like a good little prospective employee. I wanted to learn more about the company so I could sound professional and...

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American Income Life Insurance - misleading interview

I just came from the first "interview". I am supposed to go back for the second "interview" but I just came out and asked the person interviewing me if this was an interview for a job or a job "opportunity". She said it was an opportunity. I felt so tricked. It just felt wrong with so many people signed up for the same time with the same person. I am so...

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American Income Life Insurance scam employment offer

I was called today 11/11/08 by American Income about a job interview for a job I didn't apply for. They mentioned they got my resume from career builders and that the position was for many management positions.

I searched the web to do background information on the company to be prepared for my interview tomorrow and found that they were a scam agency and that they informed me to bring ID and a hard copy resume-- I thought they had my resume from career builders already so why bring another one?!

Anyway, I appreciate those that took the time to write these complaints. It stopped me from waisting my time and canceling my volunteering at the shelter tomorrow. They probably would have wished I hadn't showed up!

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Mr. RIS
, US
Feb 17, 2010 11:00 am EST

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!

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illwill
, US
Jan 06, 2010 11:12 am EST

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

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Karen
Mooresville, US
Mar 18, 2009 4:09 pm EDT

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

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Javier Gonzalez
,
Nov 13, 2008 8:34 am EST

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

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American Income Life Insurance scam and fraud

My name is Jason. Before you concider employment with this billion dollar company, I ask you read this review I have posted as it may save you MUCH of the aggrivation, time, and money, that it cost me. I did not take the time to type this up because I have way too much time on my hands, I simply typed it because I want others to learn from my "and others" crucial mistakes. I was first hired with A.I.L in "N. Royalton Ohio, " about the end of July 2008. I was promised riches as long as I was a go-getter, and was willing to work long hours. I was in construction for most of my life, and concidered myself very capable of both of these. Apparently, they agreed as I was hired rather quikly, "just as everyone else was with no experience in sales once so ever." I sacrificed EVERYTHING for this job. EVERYTHING in my life was put on hold so that I could give this job the attention I THOUGHT it deserved. I was told that I would be paid training, so that it would be easier for someone like myself to make the career change. The state exam for your insurance license is not easy, and you do have to pay for it out of pocket everytime you fail by the way. It took me only twice luckly. I spent both time..."about one month" and money "about $500" after all the application fees and whatever else to obtain my insurance license. Once I finally obtained my license, I was given a 4 page script that i had to memorize, word for word! I did not like the fact they didn't tell me about it at first, but hey...i'm a "go-getter." So i sucked it up, and memorized it. This took me an additional 3 weeks to do "for free." Once I acheived this, I was put in a one week training class that was NOT PAID. When I mentioned the fact that I was told I was going to be paid for training, "hurting for some money by this point as you can imagine, " I was told I misunderstood, as the class is paid for, not me. I am not a stupid man! I know what i was told! In fact, if it wasn't for that one little detail about the job, I probably would not have taken it. They also told me they did not like me asking questions and pretty much told me to shut up "in there own words." So just like before, I sucked it up and kept going. If you play poker..."I was pot invested, " I had no choice. This is where those "LONG HOURS" started. We would start class at 9 oclock, got out at 4. Then I was instructed to drive to wherever my manager was to sit in on presentations of the bennefits. My first "attempt" at a presentation was at 9 o'clock the same night of my first training day. I did not get home until 11 0'clock! "FREE MIND YOU!" 9 to 11...whats that? 14 hours!?!? When I was dropped off back at my car, I was instructed to go home and read my script more, rather then get some rest for tomorrow morning. The next few nights were the same, not giving me anytime to study any of the material given to us "AND EXPECTED TO KNOW, " in class. So about half way through the class week, I was told about all the postings from former employers and anyone who was/is affiliated with the company in any way shape or form. 95% of what I read was BAD! And I read alot! No one had anything good to say about this company. I guess i'm not that smart of a man, other wise I would have found this on my own, way back when I was hired! HAHA...jokes on me I guess. Anyways, the last day of training class was...actually today October 2 2008. The class had ended at 4, and as soon as I walked out I was fired by my manager because MARCUS SMITH didn't have the balls to do it himself, even though he was standing right there. I was fired because someone overheard me talking about the sight with the same person who told me about it. We were both concerned "AS I'M SURE YOU CAN IMAGINE!" Now wouldn't you say it's disturbingly ironic they fired me with no hesitation at all once they found out I knew about the sight/sights? They also said they didn't like the fact I wasn't willing to work 15 hours a day for training even after all i had a acheived thus far! Simple Common sense will tell you that is no way to efficiently train someone! Please...do your research! These people are very good at what they do, and somehow scam thousands like myself. I am a very religious christian "AS THEY CLAIM TO BE, " and DO NOT want this to happen to anyone else, even though I know it will. All the numbers are in black in white if you just look for um. They have a rediculous turn over rate of 95%! Absolutly no one stays with this company unless their dad is an S.G.A. who pays um a rediculous amount of money out of pocket. Of course its your decision whether or not you listen to me...I pray to to the allmighty Jesus Christ that you do.

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rrspen316
, US
May 03, 2016 2:26 pm EDT
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I received an email a while back from someone from here. I was thinking it was another recruiter so I emailed him back and said that I would be interested. I than received a phone call from a lady and I couldn't understand what company she was from but I understood the person's name that she said that I had emailed about a job. She asked if I could come in for an interview and I said what day and time and she said 6:15pm tomorrow. I kind of thought it was weird that a recruiter would be doing interviews at that time but said yes. She said that she would email me the information. I checked my email right away because usually recruiters are fast at sending the information. I didn't receive an email yet so I went through the emails that I had sent recently looking for the name of the person that I had emailed. I found the person and then started doing some research on the company. I then emailed him and said that I never received the information about the interview yet. I also looked up the phone number that had called me and found out that it was a cell phone. I than started thinking that what recruiter would call me from a cell phone and why haven't I heard anything back yet. I then found this site and started reading all of the comments In the mean time I finally got the email and it seemed really unprofessional. Needless to say I am not going to spend my time and gas and money going out there. I live over an hour away and would have to pay toll. I will just wait for something legitimate to come up.

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Bob Loblah
, US
Oct 19, 2015 8:07 am EDT

Got a call from [protected]
answered, but no response, sounded like one of those telemarketing calls where they speed dial several numbers and talk to the first one who answers.
Have my resume, and phone- out on a few sites. After a very (gut feeling) weird call last week about work, I quickly googled this phone number and got all these negative replies.
wow Funny thing the internet- type in anything you love and the word "scks". Read carefully, you'll find a lot of negative, BUT, some positive too! I could find NOTHING positive about Marcus Smith, or AIL

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Matthew satullo
Cleveland, US
Dec 31, 2014 4:10 pm EST

I'm taking courses now and have not yet completed them. The courses are very long and require sacrifice of time as I am willing to do. Needless to say it seems a low percentage of people actually pass the exam the first time. I already payed 150.00 dollars of my money to take this course and I am not guaranteed employment. At this point I do not know what to do keep sticking it out and studying or just forget about it all together. I do not want to be cheated out of anymore of my money so what should I do? It does seem too good to be true but who knows, I just think they do not give you enough time to actually study and learn.

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mr.looking for a better job
Avon, US
Sep 18, 2014 3:25 pm EDT

9/16/14: Everything that was said here about the 1st phone call was the truth, except a guy named Jared called me. Set up a group interview (which I never heard of before), very little details would be given (which is a HUGE red flag), he was reading a script, and wanted me in @ 9:30a. After seeing the Hoover operation in N. Olmsted, I second guess all the Internet jobs( I walked out of that a few funny words for the Operation Manager). When Jared from AI called, have been awake 24hrs+, driving through construction on the highway, and working at that moment. As he's reading the script, I'm writing it down, and I'm driving through road barriers @ 60mphs per hr. My speech was stuttered, my information was jumbled, poorly presented myself, and I slightly questioned my overall condition after the phone call. He assured me it was ok when I told him about my conditions but the funny thing about this conversation was he kept reading the script. The only other conditions that could of made that conversation more worse for me was hot, sticky and muggy but Jared said something like, " I sound like a well put together individual, I carry on a great conversation over the phone, and after careful consideration I could become a key member of the team". I don't remember or care what the script said, it would have been nice if he would of had more time to answered more of my questions. We could of saved each others time if he could of at least told me this is an insurance sales job from the start, when I asked him. Masking it with the terms, " working with union workers families" or what ever was the exact wording was far from insurance sales. Insurance sales is rough work, I understand. I don't deem it a moral career. I'm not the type of person to con people with crafty word play. I would be putting a face on their product and my reputation is way to good to sell a home-brewed product. With all being said, I think I will stick to the ### job i already got. Maybe if the economy was doing better, this job would be fine. I know DOW might of went up the last few days but it doesn't boost the nation's job market. I've been searching for good job in the Cleveland area for well over a year, why would anyone buy insurance when I haven't had a decent job offer since 05'.

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Tiffiney H
Parma, US
Sep 18, 2014 8:05 am EDT
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I have been with the company for almost a year now. I have 3 kids and I am making well over 6, 000 per month. I could probably do more but I basically take weekends off for my kids. This is a real opportunity if you focus and you are hard working. I love it here. The people, the atmosphere. I have owned my own business and you don't know hard work until you have sacrificed everything and see no return. For any opportunity you will need to make sacrifice. At least with AIL, I work hard but my kids are well taken care of financially and I have hope for the future. They tell you in the interview, this is hard work. If it were easy, everyone would be doing it. Cream always rises to the top though.

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scamfinder12
Strongsville, US
Aug 05, 2014 9:56 am EDT

Conor Tilow of the North Royalton, Ohio Americon Income Life is there current scam artist as of 8/5/2014.

BEWARE This company is a scam and Conor Tilow of North Royalton is one of the people pushing the fraud!

Received a call today and he had me set up an interview to come in tomorrow. He was not a very good salesman as he sounded like he was trying to pull a fast one.

Most likely wanted me to come in the next day so I would not look at these reviews!
Glad this is the first thing to come up on Google when you type in American Income Life.

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FastPitchMomma3
Chesterland, US
May 07, 2014 12:04 pm EDT

I literally just received a phone call from a "Christina" stating they loved my resume! I set up an interview for this upcoming Friday at 9:30 a.m. I went to Google the address and saw this page in the search results! THANK GOD that I read everything! I called "Christina" back and a huge red flag went up when her voice mail came on and it was her number NOT her name! I am sorry, but any respectful big business would have their employees have their name recorded NOT just a standard greeting! She also told me to wear a suit! No, I am going to show up in my every day street close! I'm calling Monster.com and reporting them!

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scam!!
Denver, US
May 15, 2009 12:02 am EDT

Its not a scam exactly bc the product is actually pretty good. However, the hiring and treatment of the agents is awful. I didnt even have a very poor experience working with them, but it was their ethics that drove me away. They do hire absolutely everyone, make you go through training and take exams for your license all of which is out of pocket. They mislead you on the pay. When you start you dont necessarily get the "best selling markets" so you have a rough time making sales, and then they make you sucker in more people to come work for them. I worked in the Denver office and the management is horrible! They are rude, even to the point of being sexist, bc they know they'll just be getting a new batch of "agents" coming in. Definitely dont work for AIL! Its not worth the stress, mistreatment, and costs

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george washington1234
Cleveland, US
Jun 18, 2012 9:32 pm EDT
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I apologize, I didn't read the end, I just assumed you quit by all your complaining and whinning. Looks like they did screen you out.

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george washington1234
Cleveland, US
Jun 18, 2012 9:20 pm EDT
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Can you tell me how you are a go-getter? You can't spell, It took you months to get through training, (it takes go getters 2-4 weeks to finish everything), all you did in that whole comment was complain and talk about your feelings and the kicker is after you finished starting your career YOU QUIT. Will you please explain to me how you can go through all that work just to quit and then call yourself intelligent? Please tell me how you possibily think you are smart by any degree.

Michael Jordan didn't complain about his feelings or all the time he played basketball for free, he was a go-getter, he would scoff at you... I scoff at you, the only thing AIL did wrong was give you a chance, they should have screened you out.

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American Income Life Insurance - strange phone call for interview

I had a phone call from a recruiter for AIL - saw ad on Craig's List and sent in resume and she called wanting to talk to me about a job opening. She said they had a number of jobs open. She did ask me if I was looking for a career. Having done a lot of HR, sales & recruitment myself I could tell she was working off a script. She conducted a phone...

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American Income Life Insurance - employment danger

My main purpose in writing this article is to inform solicited/prospective employees of AIL about the hidden risks associated with this type of company. It is a bit long but it is to INFORM you, the brief summary bullets are just below. NOTE: Since I have quit my insurance license and resume with sales experience flags me for lots of phone calls for sale...

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American Income Life Insurance - integrity of company

As a recent college graduate, I too, found myself slaving away for what was supposedly going to be "financial freedom". It began like this... AIL REP: Hello, my name is "insert name here", with American Income, I'm calling in regards to your resume posted online. I'd like to ask you a few questions if you have a moment. Me: Sure? AIL REP: Are you...

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American Income Life Insurance hiring practices

After reading all of these complaints about American Income, I had to write you all about my own personal experiences with the company. 10 months ago, I closed down my company, Pro Vision Staffing Group. In short order, my house was on the verge of being foreclosed on, and I had no hope for possibly earning enough to pay my bills for myself and my daughter, who was 1 yr old at the time. On a whim, I answered an ad that was posted on craigslist, offering a position as a union enroller for $700 per week. I went in for the interview, and I was intrigued by the mere hope of being able to start a business for myself, with the support of a larger team. I took my last $500, and used it to put myself through insurance school and pay for my license.

Fast forwarding to today, my house is out of foreclosure, and bit by bit I am putting my life back together. I am paid an almost obscene amount of money for meeting with families who are just like me, working hard every day hoping that the future will be better for their children. Has it been easy, no! I work retail hours, sometimes 60 hours or more a week. My managers push me daily past my comfort zone, and I am achieving more success than I ever believed was possible.

One thing I would advise though, is that you find the right office, that has the right managers to train you properly to succeed. All of my success is based on the fact that my manager is the kind of person that I would call to come pick me up at 3 AM when my car breaks down. He is on the grind from 8 am to 11 and always picks up when I call. I have seen more people with more experience than me, and more talent fail because their manager failed to manage them properly. I will never be an employee again, and I will never work for another company again.

If you have the right manager training you, and are willing to work harder than you ever have before, you will be successful in this business.

I am a real person, my name is Ini Augustine, and American Income changed my life. You can google me if you like, I have the credentials, know how and experience to know that this opportunity has changed my life, and it can change yours too.

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Amie
Omaha, US
Feb 09, 2009 1:22 pm EST

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.

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Krisinda
,
Nov 12, 2008 12:41 pm EST

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!

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6:19 am EDT

American Income Life Insurance fishing scam/pyramid scheme

I was also contacted by a persisent person from American Income Life trying to schedule me for an interview. I asked if this was a scam and if this position was commissioned based only. They responded with no and that they were interviewing for senior, middle management as well as sales position. I scheduled the interview in hopes that it was not a scam. However I recalled that I only submitted my resume with cell number on careerbuilder but never applied for any position in the insurance field. I searched the internet and found someone had also filed a complaint against American Income Life with the same person I was scheduled to interview with, Jim Logan. Luckily I found the complaint and saw that they interviewed people and then asked for money in order to train their employees..definitely not a fortune 500 company! Dont waste your time! Thanks to the person who posted before me and hopefully I can prevent someone from wasting their time to interview with companies asking for money for training their employees!

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musici
, US
Oct 09, 2015 10:23 am EDT
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I received a call last night from Anna Augustyniak, from AIL Canada, she was asking me to meet to give me more info on the booklet I asked for, that I have no idea what it is about, and never subscribed for, she also had personale info on me like my date of birth and my husband name, and knew about my other insurance plan and my trade union, this is scaring me so much and no one is answering the phone when I'm calling their phone, how did they get my ID info, can someone help me,
it is a scam for sure

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Looking for real work
Seattle, US
Jun 03, 2015 12:59 pm EDT

I won't be attending the interview after reading all of the complaints about this company. There are just too many and if they were successful, they would have a way to clean it up if the complaints were not legitimate. Why waste the gas and time. When I called out of courtesy to tell them that I was not coming due to all of the reviews I see on the internet, the woman said she loves the company and blah blah blah. I asked her what her position was and she said customer service. Why is customer service answering the phone for interviews?

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eggplantfrost11
Chicago, US
Aug 27, 2013 4:57 pm EDT

I got a call from AIL this morning and right away i researched this company and found all these complaints to stay away, Thank you. But I'm still curious to know what goes on during the interview...

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No bull
Clt, US
Oct 19, 2010 9:04 pm EDT

In a word or two, if american income or logan calls, just hangup. It's not worth the cell minutes. Same as all say, it's not a job it's a scam, i work for a company that is real and they provide free training. As do most companies that are reputable. If i wanted a job from a two bit half broken English speaking Chicano Ill visit my local fast food restaurant or fill up station.

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Scam or talk
Denver, US
Nov 13, 2009 12:57 pm EST

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!

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Ebony M. Frier
Ellenwood, US
Jul 06, 2009 4:11 pm EDT

I would like to personally thank every single person who decided to post on this site about AIL. Like so many of you, I was contacted by them, stating that they'd "found" my resume online and would like to schedule me for an interview for a "management" position as an account executive. Well, when I googled AIL, I found it strange that I couldn't find and actual link to the company, only ads on other job sites for positions. Then, after scrolling through a couple of pages, I found this site. Once I read a couple of complaints, I was convinced I'd done the right thing by researching this company. Thank you all from the bottom of my heart for your wise words. They've saved my family and me a lot of hearache.
To anyone out there searching for a job like myself, please beware. There are, I'm sure, many more companies out there who would like nothing more than to work in the same or even worse unscrupulous ways like AIL. Take care, fellow job seekers. I sincerely hope we all find what we're looking for.

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Agent
Cranford, US
Apr 17, 2009 5:17 pm EDT

I also got recruited by American Income. Im still working at the company and love. Im not sure why some of you get upset that they recruited you. You all don't have emplayoment and you ### and cry when someone is trying to help you out. You can make so much money in this company it is ridiculous. I have only been here for 6 months and I've with out a doubt made close 65, 000. In all honesty you just seem lazy to me and you want a borning customer service job where you come in at 9 and leave at 5. Also the company just got rated #1 by Yahoo finance for insurance jobs to work for. Also by the bbb.org got rated a+superior. So you all should do informative research before you cry and ### like a baby.

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manchmedic
Manchester, US
Mar 13, 2009 3:33 pm EDT

I was one of those who got suckered by AIL back in 200o-2001. I went through the entire hiring process (which, in hindsight, was total BS), got trained at my own expense (that too was BS) and got a producer's license in my state (I knew that would come out of my pocket beforehand). I went out on the road and did it for a little over 6 months. The result? I made a whopping $559.00 total during that time.

The ethics? Definitely non-existent. The training? Sucked. The expectations? Seven day work-weeks from the people I worked for.

It was just not worth it. And I would definitely wave a red flag in the direction of anyone considering going to work for them.

At least I could write off the losses when I did my taxes...

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agent
leonardo, US
Mar 09, 2009 12:29 am EDT

I currently work for AIL, I was made well aware in the interview process that this would be solely commission, which to me was fine, seeing as I would get paid for the amount of work I produced... if I did not put the hours in I would not reap the benefits of putting the hours in...the products they offer are AWESOME...they pay directly to the funeral director within 24 hours via wire transfer...and their accident policies... wow... you have any clue how much money I would have been able to collect had I had their policy last year? between 11/07 and 8/09 my daughter broke her arm twice, I got stitches in my thumb from not paying attention while cooking...and broke my foot... their policy pays $200 for every accidental emergency room visit... did I pay for my schooling?.. yes... did I pay for my licensing fees? yes however they did front the costs for me and deducted it from my income in equal installments...and rightfully so, that license stays with me not the company. The class they held allowed me to pass the state exam first try, I have attended other classes for different state exams and this was the first one I passed, where all the classes I took I passed with flying colors.. what is my outcome with American Income Life training and offer.. I am grateful. Regardless of where I stay or end up, I have had the opportunity to work with many wonderful people who most of which I adore, they have become like family to me. from recruiting to booking to going on the road... the fun that is had is irreplacable. The one complaint I do have is the union members who request benefits through their union do not know how to read the letters attached to the card they fill out... THAT is one thing I have to say.. anyone here make sure that before you sign any paper from anyone you read what you are signing. I have read the letters the members receive and yet some get angry that you are selling insurance they weren't aware thats what you were going to do... dont waste your time filling papers out you are not ready to follow up on and certainly dont waste other peoples time either. It is also in my opinion that selling people life insurance is helping them to care for their family. I am not a person who can sell something they do not believe in, and American Income Life Insurance is a product I believe fully in.

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ExAgentSmith
, US
Feb 08, 2017 10:51 am EST
Replying to comment of agent

Oh my God. You must have been directed by your SGA or MGA to write this masterpiece of feces (in which you verbally "bj" the whole company), and I also know to be a practice required by newer agents at many agencies under AIL. Do you know AIL veteran Chris LaFond? Because it almost sounds like you attended his "Tony Robbins" school of "things [censored] bags say to other [censored] bags who want to hear [censored] bag things". I sold the same lame-a** product that you peddle, for a period of time. I put in way more hours than the reward I reaped. I coerced clients at the behest of my "leadership" to purchase crap they didn't need or want. At the end of the day I was a con man and I couldn't find any excuse to convince myself to continue.

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Muddog
, US
Feb 21, 2009 1:46 am EST

No, most agencies DONT pay for you to get a license. Are you kidding me? If they supply the training yea, sure they're not going to charge you. But to pay for things like insurance classes which run from 75-150 is crazy. no company can afford that. 103 for the state test on top of that. Oh and your license with the state itself will cost you 180. YEA! Things add up. The license is something YOU own. You are the keeper of it. If you leave AIL they dont go "woops lets rip that up" its yours until you need to renew it in 2 years. Why would they pay for that?
Get serious. Big money costs big commitment. If you want an easy job with big money this ISNT it. go away. There's no such thing. But if youre willing to work, go for it.

ComplaintsBoard
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8:40 am EDT

American Income Life Insurance bogus

After getting several phone calls from this particular number I finally decided to answer. And it was from a HR recruiter who had gotten my info from her Manager who had gotten my info from CareerBuilder. After talking to her over the phone for all of 3 minutes, some of the things she said just didn't seem right. So I decided to go online and google them. And WOW!

Out of all the sites that came up I couldn't find one with any positive feedback. It's crazy because everything the rep said to me I was reading online, as it had been stated to others. This company is really full of it and please don't get yourselves caught in their little scam. They tell you all these wonderful things and you believe them because you're either out of work or looking to improve your quality of life.

I just can't believe this. I know from now on I will do my investigating before going to another wasteless phone or personal interview. Thanks to all of you who took the time to post a complaint, it really helped me. And I hope I help the next person. Oh, by the way I canceled my interview immediately following my findings! BE CAREFUL!

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Game Hater
Peoria, US
Jun 21, 2015 4:08 pm EDT

I had 2 policies with AIL. I paid on them for over 2 years through automatic payment with my bank account. I had some IRS problems, so the IRS garnished my entire bank account in December. I was out of work at the time, so I tried to call AIL repeatedly so my account would not be overdrawn & I would not get overdraft charges. All I got was voicemail until the evening my premium was due. By that time, they had already tried to collect, causing me 2 $35.00 overdraft charges. I told them I wanted to cancel my policies. I kept receiving invoices. The money I had coming back to me from the policies, they kept, saying that was used to pay my premiums when the bank would not. It is now June, & I just received another premium notice. This company will hound you to get your business. But you can never reach anyone when you need them.

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Unhappy rabbit
Paramount, US
Mar 16, 2015 8:03 pm EDT

I have never received a policy, after all the hoopla they put me to to sign up. Now I am trying to cancel and all I get is the run around.
I was given the wrong policy number over the phone so I cannot go online to cancel. So un-happy Just have to close my account
then I guess they will respond or cancel.

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UnhappyJane
, CA
Sep 21, 2009 1:34 pm EDT

Recently I tried to claim on my insurance policy with AIL and had some problems, I was going to cancel my policy after finding some unethical loopholes but it seemed every staff member I talked to was willing to say whatever I wanted to hear so I didn't cancel the policy.

I had called around to ensure my claim was valid and of all the numbers I tried from canada and the US and all the people I talked to from varying levels of management I was told I *should* be able to claim no problem.

Some even offered personal stories from others who had claimed for the same thing.

However, after doing all the running around (getting forms to doctors etc.) I was told my claim was not valid and that everyone I talked to should have told me so. Silly me for believing the lies - I hope this warning can help others not to make my same mistake!

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Jean
,
Sep 20, 2008 8:46 am EDT

I have also received several emails from this company after posting my resume online. I have never clicked on a link to be removed from their mailing list.

Today, I received an email from them congratulating me on completing my training! I have NEVER done any training from this company. What gives? Do they really think that this new tactic will make me want to bite on their bogus scam? I'm afraid to click on their link to be removed from their mailing list. It may contain a virus! Has anyone sucessfully gotten themselves removed from this BS phishing email campaign?

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anonymous
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Aug 26, 2008 10:06 pm EDT

Hello All Troubled,
I want to respond to all readers about American Income and Torchmark Companies. I am a former agent(considering returning) of this company. I cannot say that my experiance was grand however it was not all bad. Like you, i was very skeptical of the TOO GOOD TO BE TRUE antics. However, I got my license and started with them. The money is truely as promised. The training is paid for and phenominal. They do not have a system set for failure, it is set for success. The key is being a self starter and having an entreprenuial drive. You are in control of your paycheck and your destiny. The office that i worked for was not fitting to me for many reasons. However the regional office was a great environment. No, it does not take a degree to work there. But where else can you walk off the street and make on average $1000. per week pay. They show you how! The system works. I left for personal reasons and considering a return. But it is sales and if you do not have a sales mind it is not for you. Mostly everyone in the company is below 40 so it is a pretty young environment. Like Mary Kay, Monavie, or any other multi level marketing company ... its there for you to take advantage of ... how bad do you want it. If you want a career, it may not be for you...but if you want to make a lot of money... great opportunity. There are negative things out there about all companies if you look long enough. No one is america is 100% happy with anything. So don't knock it before you try it!

GOOD LUCK TO ALL!

ComplaintsBoard
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10:38 am EDT

American Income Life Insurance false statements!

The representatives name is Sefo Pucell his cell number is [protected]. If this person calls you don't believe a word he says. He told me that is was a free ins program paid for by my union, and all he needed was proper identification. When he got to my home he asked if my wife was present and I said no. then he told me that she had to be here to verify her id as the benificary. What if I named a benificary that lived in Europe?, Would they have to fly to the U.S.A to verify the id for a $2000 life ins policy? ha ha ha. These people must deal with a lot of dumb people. Please call this person and tell him what you think of him.

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4:52 pm EDT

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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MasterFB
North Little Rock, US
Mar 22, 2014 8:41 pm EDT

I worked for AIL too and I don't like their practices, I don't like their methods. I found them to be dishonest and they hound customers and potential employees with phonecalls. They're trying to charge me for the advances they paid me now that I've quit. That should be money I earned after i PAID for my own classes, dragged my trainer's sorry rear end around in MY car and sold policies for two months. Now they want money from ME? I don't think so.

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andizzle
National City, US
Jul 20, 2011 7:42 am EDT

I don't see how mike b is "stupid" his facts all check out. Maybe one should do research before resorting to ignorance

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fail1
, US
Oct 14, 2009 6:48 pm EDT

Mike B has to be the stupidest person posting on this website. Strange how he also works for AIL.

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Mike B from CA
Concord, US
Apr 29, 2009 3:30 pm EDT

Whether you can or can't, YOU'RE RIGHT! First of all, you don't have to take my word for it. AM Best (www.AMbest.com) has ranked AIL with an A+ rating. That's the highest rating you can get for an insurance company that has been around 50+ years. Also yahoo jobs ranked us #37 in the top 100 places to work in 2009. (http://hotjobs.yahoo.com/HotJobs100/index.html) Working at AIL is like having your own business. You are a contract self employed individual. If I owned a starbucks franchise, I would work it knowing that my results are a reflection of my effort. It is a turnkey system that I have to follow in order for my business to be successful. So if I'm not there at 6AM and a customer wants to buy coffee, then that's my loss. Now if I don't want to be there at 6AM, then I have to hire more help.

Statistically, 5 out of 10 businesses fail in the first year. Out of the 5 that make it, 4 of the 5 will fail in 5 years. Most people focus on the failure rate (they think about getting up at 6AM and don't do it). But a FEW people focus on the on success. Ask any successful business owner. There are some key similarities. They went into business knowing the odds, but still pulled through because they believed in their product or service, and they believed in themselves.

If you believe in coffee, then open a Starbucks. If you believe in Life Insurance, then work at AIL. There is only one guarantee in life. We will all pass away. How could a product that insures your life be bad for your family? Sure there are cheaper products out there, but aren't there always? Isn't there cheaper coffee out there? Sure there is! But people continue to pay $4 for a cup of coffee because they are paying for more than coffee. They are paying for an experience.

Your career at AIL is determined by the experience you give to your customers. If you are passionate about your product, committed to your customers' well being, present yourself in a professional manner, and do the RIGHT thing EVERYTIME, you will be successful.

ComplaintsBoard
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10:09 am EDT

American Income Life Insurance unethical job interviewing!

I received a voicemail on the morning of 9 April 2008 from a woman identifying herself as Brigit Fisher from Human Resources at American Income. Ms. Fisher said in her message that an identified "senior manager" had seen my resume on the web, and was interested in interviewing me for a job.

I was curious (or gullible) enough to call back, and Ms. Fisher's behavior made me suspicious immediately. She did not recognize my name, she had not seen my resume, and she was vague about the position's requirements. When I asked her if she could send me a description of the position's requirements, she said she was "unable" to do that. She then asked if she could schedule me for an interview, and I said yes, but she refused to give me any contact information on the "senior manager" who would supposedly be interviewing me. I was simply given the address of an office in Edison, to show up there "dressed professionally, " and instructed to call Ms. Fisher's cell number if I had any questions. (I did get the "senior manager's" name, and it was Ms. Fisher's sister.) Ms. Fisher couldn't even give me American Income's website; she just suggested I Google it. Not exactly the sort of thing that inspires confidence in a prospective employee.

I checked out the Complaints Board, and my suspicions about Ms. Fisher and American Income were confirmed in no uncertain terms. People who have actually hit the bait and attended these interviews tell stories of being asked to fork over fees for "training" and other things, and have generally reported frustration, misleading claims, dishonest treatment, etc.

I have a feeling I didn't make much of a mistake when I decided to blow off this interview. I'd say that the most critical skepticism is warranted when it comes to dealing with American Income.

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John John
parsippany, US
Aug 05, 2010 8:17 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

I got a call today will similar to those above, but the person left me a voice mail that was anything but English. In fact, her English was so bad, I couldn't have returned the call if I wanted to. Anyway, they called two more times until I finally answered. They were unable to give me a job description, company info, etc. They didn't even have my e-mail address, but claimed they had my resume. I asked them to read my address from the resume and she could not even do that (but then again, she may have not been able to read English). I figured that if the HR person couldn't speak English, that it wasn't worth thinking that the company was any better.

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NUzze
, US
Mar 04, 2010 12:33 pm EST

I just got a call a few minutes ago from "Hassan" to schedule an interview for either 10, 10:15, 10:30 to meet with a SR. Mgr. I asked him innediately if this was a commission paying job or salary, he said it was salaried but I am still so suspicious. I have already been to Aflac, Primnerica and NY Met life and the same thing. If I was into sales no problem but am I not. I am so glad I saw these stories because while unemployed I take care of my nephew everyday and I would have to shift things around. It is really unbeleivable the way they reel you in while unemployed.

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Karen312
River Edge, US
Nov 12, 2009 10:00 pm EST

Thankfully after I got this same message from "ROD" who claimed I sent them my resume on monster.com and his superior wanted him to give me a call to set up an interview (for the record: no I didnt, I know where I applied- all 3 places were around my area in Bergen County, NJ and I would never apply for a job in Edison...where I would have to commute 2 hours a day). I knew I wasnt going crazy, so I googled the company's name and it lead me to sites like this one about the scams theyve been involved in. I always go w/ my gut instinct and this message sounded fishy from the get go...dont say on the VM. that someone emailed you their resume' when they didnt. If anything, say "I saw your profile on monster.com and you fit the criteria that we're looking for." Needless to say, they wanted me to call in for an interview and I'm so glad I found this board before I went in and wasted my time. I can't wait to call them tomorrow and give "ROD" a piece of my mind. Thank you for everyones shared stories.

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Sam2009
, US
Nov 04, 2009 2:37 pm EST

I got a similar call this morning. It went to my voice mail. "Lori" from HR dept left a similar scripted message for me asking me to call them back. What made me suspicious about this call was the name of the company. Never heard of it before and the word "income" in the company's name? I decided to google it before I return the call and I' m glad I did becaue it saved me time and money.

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Chetan
, US
Mar 26, 2009 11:18 pm EDT

Thank You so much.
I dit get a cal from David this evening n I got scheduled for interview at 10.30 in tomorow morning with Monica.I asked them twice for which position I gonna get selected but it was really suspecious.They told me it will be for Management team position n I didnt get that...
Now I checked whole story.
Thank You very much again for saving my trip.

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mandy_Reeves
Bricktown, US
Feb 12, 2009 11:17 am EST
Verified customer This comment was posted by a verified customer. Learn more

Thanks so so so much for alerting others! I just booked an interview with them this morning, for tomorrow, but I was a little suspicious too...David Housman i was supposed to interview with...really sleazy these people, taking advantage of the unemployed during an economic crisis

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she
Parlin, US
Jan 23, 2009 9:55 am EST

I ALSO GOT A CALL FROM A PERSON NAMED CARLY AND I WAS SUPPOSE TO GO TODAY @ 10 AM FOR AN INTERVIEW TO SEE A DAVID HOUSEMAN AFTER READING THIS I DIDN'T GO I WASN'T SURE IF THIS IS THE SAME COMPANY OR NOT SO I JUST DIDN'T GO.

SHE A FEW DAYS AGO

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Val
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Oct 14, 2008 12:02 pm EDT

I just got a call from ms. Fisher and though it was odd that she could not give me any information. You saved me a trip.

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PKumar
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Sep 23, 2008 9:45 pm EDT

I got the same call this morning, the person was not able to give details about the job except that he is from HR dept. and guess what they had appointments available for tomorrow with the Sr.Executive who seems to be desprate to hire me!but HR couldn't answer WHY! Anyway at that time i was not sure what it is and fixed an appointment fro Friday... and just searched by their name got all teh story... you saved my trip... thanks.

ComplaintsBoard
K
4:00 pm EDT

American Income Life Insurance interviewed with these as*es today!

I was contacted by American Income Life on March 19th by a cellular phone, and told that they had viewed my resume at either Career Builders or the Monster website and that they wanted me to come in for an interview the next morning which would take approximately 2 1/2 hours. I then asked what position they were considering me for and what type of company they were. At which time I was told that it was a managers position at a fortune 500 company, and that they would train me in their office and that would also be paid. Needless to say when arrived at the AIL office it was packed with people we were instructed to sign in and hand our resumes to the receptionist. We were all interviewed individually and then sent into a group interview hosted by Jim Logan. During my interview alone I was told some of companies background, that they would assist me in getting the tools needed to work as a manager in their company, not to mention that Hunter who interviewed me had only been at the company for about 9 months, also out of the four employees/managers in the office only maybe 1 was with the company longer than 9 months which just happened to be the receptionist. Huh, now this definitely doesn't sound like a fortune 500 company with a high turnover, NOT! Then during the group interview which sounded like a recording I was informed that I would need $99 for the classes that would take a week online to get certified by the state to sale insurance to guaranteed leads, and $106 to attain the actual license itself, which I needed to have on hand at the 3rd and final interview tomorrow 03/21/08. So Where did the paid training go?! They reviewed my resume, and told me that I had what they were looking for so why in the hell do I need to pay for anything to work for them? I was seeking a job not looking to pay money to have a job! American Income Life is a joke and they to be reported to career/ job finding websites about the way they are scamming people and giving them false hope of a secure career with growth opportunity and benefits. They sold me a false dream of finally having the financial security that I want for myself and family our future. AIL wasted my precious time that I could have used to find a real job with growth opportunities. I am now scared of having my resume posted for employers to view, because they all maybe scams and I don't have time to waste playing the fool following false dreams.

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Sonja Graham
, US
Jul 17, 2017 9:41 am EDT

Wow! Just saw this complaint board regarding AIL. Glad I did because I got a call last week, very hurriedly, telling me that they had come across my resume on _______ (didn't catch which site) and thought I would be excellent for an entry level management position and wanted to set me up for an interview in Charlotte, NC. I was in a hurry, due to computer issues, so I didn't listen to much of what the girl was saying. Just dot down the name of company and that she was calling from Raleigh, NC. Wanted to know if I could come to an interview at 10 am this Tuesday. She said it would be about 1 1/2 hour and to dress with business attire. I asked for directions and she said that they would dent on Monday (today). So here we are.

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TCST
Charlotte, US
Aug 07, 2010 2:34 pm EDT

Touche' to all who figured out before it's too late that if it sounds too good to be true it probably is. My story is just like all the ones here with only a few differences. I was never told the "interview" would take soooooo long. I did waste my lunch hour on it. I kept trying to say I was not interested at all in sales and was looking for a desk job as I was accustomed to. The interviewer just kept re-directing the conservation to being able to earn big bucks very easily. I may be rare but I am not looking for big bucks. I am just looking for a job that pays the rent and puts food on the table, a normal 40 hr a week job. They were so sure they could convince me otherwise I couldn't get them to address a desk job at all. Finally the interviewer said they would call me in a couple weeks. We will see. I was also told about dressing professionaly. No need to even go there on their part. When I got there HOLY COW! They do not begin to know what it means to be dressed professionaly. Anywhere you looked there was nothing but upper thighs, foot-long cleavage and skin! The office was grungy. Thanks for these warnings and to my Dad too for telling me I needed to check. Now you have 1 more warning!

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DCBLAZIN
San Jose, US
Jan 27, 2009 5:42 pm EST

I spoke with these people today. It def sounded fishy. The person I spoke with "Gary" sounded nervous on the phone and after a few minutes of talking was swearing like we were best buds. He was feeding me all the lines about how I sound like the perfect candidate and that I could make 100 k my first year if I worked hard. He led me to believe he was in the top 5 in Sales nationally and making tons of money. Now that could be true, but this isn't my first walk in the park. As soon as I googled the company and put the word "complaints" in the search I was bombarded with sites that were bashing this place. I also went to the Better Business Bureau and wasn't able to find any information on the company. That is not good, usually there is some sort of information listed there whether bad or good. A fortune 500 company that isnt even listed on the Better Business Bureau website... Yeah right! So I'm glad I looked into this as well so I do not waste my lunchbreak going in and talking with them. I feel bad for the unemployed who hope this is a great way to provide for their families... I am in a situation where I have been told to start looking because of jobs being cut this year, but at least I still have a steady paycheck. for now!... I cannot wait to call them back and let them know after doing some research that I will be passing on the interview... I hope he tests me because I have some ammo to fire back with and could use a good argument while I'm sitting in traffic! Thanks for the heads up everyone! STAY AWAY

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Barbara Herrera
Valley Park, US
Jan 21, 2009 11:39 am EST

They just called me for an interview and I'm not going to go because if you know that they are an insurance company then you know they pay only commission! I mean if you have children and you have to take them to daycare they aren't going to stop charging you because you haven't made any money at your job. So to begin with you are already negative 235 for daycare. Screw that!

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sarah
, US
Jan 12, 2009 8:33 pm EST

thay? dont you mean they? I've researched this job and all that comes up is complaints! PLUS ive seen way too many complaints about this place - why should anyone give them the time of day?!

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Kari
,
Nov 14, 2008 2:44 pm EST

I am glad that there are postings like this out there on the internet. Just yesterday I received a message on my cell phone from AI. A lady told me that they had found my resume on career builder and that I sounded just right for the job. Living in Michigan, I know sales people struggling left and right just trying to make ends meet. In an economy where nobody knows if they will have a job tomorrow, I don't think that selling life insurance would be the way to go in this day and age. I had a job lined up at GM but thanks to the big 3 tanking that tanked also. Thank you for informing me about this job I was almost led in to.
I will rest better tonight knowing that I did not go to the interview.

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Motherbear
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Oct 08, 2008 5:44 pm EDT

I got a call from the local AIL office and was briefly fooled because I have been out of work for five months so the person on there made it sound as if it were one of the jobs I put in for. I showed up bright and early and saw the same setup - gave my resume to the woman at the front desk, sat with a couple of other well dressed potential employees. I was interviewed by the HR rep who had also called me and when I asked her what the job was and she told me it was selling supplemental life insurance, I almost fell off my chair. Ok the economy is tanking and you want me to sell supplemental life insurance? I got the hell out of there as fast as I could and didn't go back. I need a real job not something that pays commission people. Don't waste your time on this scheme because you won't get paid.

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Liz
,
Sep 24, 2008 4:57 pm EDT

I was applying for jobs today in Saint Paul and mistakenly applied to one without a company name in the ad - I was in a hurry. A couple hours later I was contacted by James Bouchard. He started in with a script and a phone interview. First off, phone interviews are usually treated like real interviews and scheduled ahead of time. I had to interrupt him to ask what company he was with. He said, "AIL." Like I am supposed to know what that is. I then interrupted him again to ask him to tell me more about the position. All he said was that is was entry level management. I pretty much knew what it was about right away but went along with it for [censored]s and giggles. This kid sounded like he was 18 and couldn't read very well so the questions took him forever to ask. After a couple minutes he said it sounded like I had management and sales experience before so he wanted to set me up for an interview with the hiring manager. All those questions to tell me what was already on my resume? He asked me which position I was most interested in, sales or sales manager. He then explained to me what a sales manager was as if I were a child and had no clue. I was becoming irritated. Without me even consenting to another interview, he asked me if I had a pencil (normally my 7 year old uses pencils-not me)to write down the address. After I had that he told me to take a fresh copy of my resume, some personal referrals with phone numbers, and to dress professionally. I was sure now that this was a scam after hearing the last sentence come out of his mouth. A real job will not tell you what to take to an interview or what to wear. They expect you to know that and they judge you on those things. This is proof that they are just looking for warm bodies. I have heard that line before and decided to tell James off. I said, "Now I know this is a scam. A real job wouldn't tell me what to take to an interview or how to dress. Do not contact me again." I then hung up. Trust you instincts people.

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Geoff Pratt
,
Sep 23, 2008 11:10 am EDT

I was contacted recently by an AIL Representative in Washington State for a interview. After looking at their website and reading several of the complaints on this website, I have decided not to go to any interviews with them. I am also disapointed in Monster.com, where my resume is posted in not screening these predators better.

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James Matthews
,
Sep 03, 2008 1:40 pm EDT

Hello All,

Listen...I've been a Mortgage Lender for the last six years and I am gravitating towards Insurance because I held a license about 10 years ago when I worked with Primerica. Had I not gone through a divorce (which was not related to me working for Primerica) I would probably still be there. (I actually made money there unlike some folks.)

Anyways...I have interviewed with Farmers, State Farm, Allstate, NewYork Life and a few others and decided to be an independant so I'm not tied to any one companies product line and can provide better service to my clients. I will not have any salary of course but I'm comfortable with that. If you aren't comfortable with Commissions then Financial Services is probably NOT the work environment you are looking for.

Here is the deal...regardless WHERE you want to work if it requires a license they CANNOT legally pay you to solicit for business unless you hold a valid license in the state you reside in. It's the same way in the Lending business...if you want to work for a Department of Real Estate Licensed Broker.

Now...for a smaller split you can go work for an institution that uses a CFL (Consumer Finance Lender's License) or a DOC (Department of Corporations) License and you work UNDER their license and are not required to have a Real Estate License to write loans.

In the Insurance world...there aren't options like that. You can go get your license on your own. Folks it's more expensive than the $99 I heard someone complain about. Spend some cash for your online or classroom Prelicensing Course, Pay for your Exam, your License and your fingerprints and baby we are talking about $400 bucks and then some. (By the way...it's worth many times over what you will pay to get it.)

I'm not advocating or defending this company because I don't work there. I was contacted for an interview but not that I'm aware it's an MLM I can take that into consideration. But if you are whining about spending $99 for an opportunity to MAKE some money grow a brain. When I got licensed in 2002 as a Lender It cost me over $400 get to get licensed. And it served me well...I've made several hundred thousand dollars over the last 6 years as a result. Now it's time to row with a new set of oars because the party is winding down.

If you wanted to open up a Franchise it isn't Free...it costs money. An MLM just allows you to build a business that can POTENTIALLY give you leverage when others work. Traditional business is about Leverage. Your boss hires you for $10 an hour but your work is helping him to be more profitable or he is earning far more than what he or she is paying you for the measly $10.

The bottom line is...are you in a position where you can build YOUR business or someone else's ?'.

Food for thought.

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American Income Life Insurance - scam and cheating!

I was an employee of this company who relies on the inexperience of new agents to run this scam on union members and their friends (family). Many of the agents truly believe that they are helping out union members due to the fact that they themselves have been brainwashed. The objective is to get as many sales as possible regardless of what means they need...

Read full review of American Income Life Insurance and 84 comments
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American Income Life Insurance ail is a fraud!

I was hired as an agent with a life insurance company called american income life about three weeks ago. after laying out about $490 for licensing and travel up to denver for a week, I started field "training" — without any compensation. during this time, in the midst of my unscheduled and unpaid 12-14 hour days, I consistently witnessed agents lying to prospective clients and prospective new hires. they also require new agents to learn various scripts, word-for-word, before they would release us on our own to start earning income. these scripts were also very misleading in many ways. needless to say, I had some serious problems with this way of doing business...

So, I confronted the issue with my field trainer. his response was simply a pathetic attempt at justification. I even called my dad and asked his advice on how to confront the situation. [that was almost a once-in-a-lifetime thing!] I decided i'd play their game until I could get out on my own, then I would conduct my business in an honest and ethical manner. what a concept!

I didn't bring it up again with any managers until after a week and a half in field training. I did, however, make the mistake of mentioning on various occasions to fellow trainee agents that I was not happy about being forced to be dishonest each time I came in contact with a prospect. they seemingly had no issues with it, as they obviously complained to our manager about it.

Then two days ago, I arrived in the office after lunch. louis, my 20-year-old, money hungry manager, tells the other two new agents to leave his office. so i'm left there alone with him as he asks me straight out if I want to work there anymore. I had mixed thoughts on the matter, so I said yes, however, I feel there are some serious issues that need to be addressed. we then talked a few more minutes about all these issues, only for louis to conclude that I was a negative influence on the other trainee's and the office as a whole. and I wasn't willing to work hard enough. [this stems from the fact that I had a serious problem with being dishonest... and because I was unwilling to arrive each morning promptly at 8 am and stay until 9:45 pm; with no compensation.]

I was then impolitely asked to leave because I was unwilling to accept their way of doing business. so, needless to say, not only am I out a job, I just laid out almost $500 for a job that no longer exists. not to mention wasting almost an entire month! you have no idea how badly I desire to see a few life insurance policies paid out... I want to tell everyone I come in contact with about this company, and to make sure you never do business with this organization. you work too hard to waste your money.

I am personally beginning an honesty campaign. something they cannot even comprehend! it goes against their very nature! assist me in this fight!

Read full review of American Income Life Insurance and 148 comments
Update by EMG
Dec 04, 2008 9:35 pm EST

I am the original poster of this complaint.
There are obviously a few clarifications that need to be made.

Ail is misleading to prospective agents in the sense that they hire you but don't tell you it's going to be months and months before you ever see one cent for all your hard work.

They tell you to learn your scripts, do this, do that... la dee da. only problem is, in the process of learning all their misleading scripts word-for-word, you aren't making any money, and, it could be months before your manager decides to let you out on your own with any prospective clients. it's not that he doesn't think you're ready to sell insurance. he just knows you haven't got the lies down yet. you haven't repeated them to yourself enough times to start believing them. the facade is not yet complete.

Also, keep in mind that they expect you in the office for 12+ hour days, while you make all your manager's phone calls for him and learn your scripts when you're done calling people. then, eventually go out on the road with your manager and do the sales pitch for him, yet he does not share his commissions with you! how does he expect you to pay your rent? your bills don't just take a vacation when you're starting a commission based business. with any other company, you get shared commissions if you help with the sale.

Not only were they unfair to your personal time, and pretty much everything else... they were very insensitive to the needs of their clients! I just remember thinking, we are selling life insurance to cover these families from catastrophic financial loss in the event of a loved ones death! this is not supposed to be a get-rich-quick scheme! money was the only thing these agents cared about! they didn't give a rats # about these people! they would twist their arm into meeting them, they'd recite their misleading script, make the sale, and be out of their life. my manager didn't even know the names of his policyholders!

I would have to say the epitome of client insensitivity was when me and other new hires were calling people [for our manager] in a stack of "hard cards". we reach this woman and ask for her husband. there was a long silence on the line...
She utters that her husband died years ago and ail was their life insurance company! my manager didn't even know that the person he was trying to solicit for insurance had already been solicited by another ail virus agent, and died years ago. this is not only unfathomable to me, it is completely insensitive to the policyholders! get with the program! have an updated, company-wide, centralized policyholder filing system! there is no reason that this should have happened.

I come from a long line of insurance agents. I know how hard it is to start a business. however, neither my grandfather, my father, my brother-in-law, nor myself conducted business this way! a client is someone you genuinely desire to help and protect, not to swindle them into contributing to your six-figure salary! there is a significant difference in character between ail virus agents and my family's way of business! significant!

And that, my lovely readers, is why I lost my job.

It was very clear to my manager that I possess both a conscience, and a sensitivity to the needs of my prospective clients. that is not the way to make six-figure incomes. my manager would have gotten a piece of the pie of every sale I made. he was greedy. he did not like my way of doing business — especially when I mentioned their complete lack of honesty.

If you're wondering how I ever got hired, I am too. they know what they're looking for in prospective agents, I do not fit the bill for 90% of it. it may be because I was one of the only candidates who possess the aptitude to have coherent conversations. not to mention my insurance background. I do not know. however, my first manager quit during my first week, so my second manager i've been complaining about took me and a few others as his pee-ons.

I could go on forever. all that you need to know is that I have never seen more unethical business practices in my life. this company is bad news.

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Amy E. Evans
, US
Mar 28, 2018 2:43 pm EDT

I like how Mary Corrion doesn't know how to use an apostrophe correctly. Also, Lawerence Wolf uses caps and exclamations like it is going out of style. Just interviewed there, it is as bad as others have posted.
Thank's
HAHA

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Ruby Carr
, US
Aug 01, 2017 9:06 pm EDT

I just had someone to contact me about insurance. They said it was through Craig Credit Union.

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Anonymous Local 277
, US
Jul 02, 2017 9:23 pm EDT

Lol, yes these people PREY on unions, CNAs, and families with their script. They tell these people that they have a once a year enrollment period, "which is right now while I'm sitting with you". They say they are working with all these different groups to get the Child Safe Kits to families, which is BS. They are using this as a way to get into the house and then apply high pressure sales tactics to push Insurance on families. Most of the products are not less expensive and offer less financial protection than other products on the market. If you present it to anyone who is willing to research the product they are buying, they see right through the tactic. DO NOT PURCHASE THESE PRODUCTS! There are much better products such as IULs and VULs that offer larger cash growth over time. The WLs offered by AIL gain very little value over time and then they want you to use cash value to purchase a lower face value contract. Who benefits from this! AIL! you want to start your own business? Go to brokers that offer a wide variety of products so that you can better serve the client. Don't fall victim to these people who portray themselves as being Union Members, which they are NOT. They are out only for themselves, nobody else!

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Matt Beard
, US
May 14, 2017 8:41 pm EDT

Hi my name is Matt and I have been nothing but pleased with the way this company has served my family and myself. My agent is awesome and goes out of his way for us. Any commission based job will require you to apply yourself. I don't know about working for them as an employee, but as a customer I'm very satisfied. My agent is very caring and genuine. I've even considered working for them.

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Phill Seyler
, US
Mar 17, 2017 11:29 am EDT

I was a guy desperate for a job. As most of us do, I applied to a ton of jobs on job boards like monster and indeed.com and have a public resume. I not only get one call for an interview, but TWO. They called me twice and thought I was two different people hahahaha. I went to both interviews and passed to the 2nd interview 2 separate times with 2 separate interviewees. No one ever recognized me. They said all this stuff that made me feel special and unique because I made it that far. I got two separate phone calls inviting me to the 3rd round interviews and I told them to schedule me for the 10 am on both phone calls. Man, I bet they were confused as heck hahahaha. Because I went to 2 separate interviews, I could easily see what their diabolical plan was. They were trying to pull a fast one on us. Both interviews went exactly the same and I could tell that I was in no way "special". I ended up looking this company up and saw a lot of negative reviews. I believe I wisely made the right decision to not pursue a position with them.

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Mama bear 1
, US
Mar 01, 2017 8:01 am EST
Verified customer This comment was posted by a verified customer. Learn more

I just have a question for all of you that worked or work for this company. I am wondering about the children's whole life policy. I was looking to purchase coverage for my kids at a low cost in the event of (God forbid) their demise. Recently a friend was witness to his daughter being hit by a car. She is very lucky...she suffered a shattered femur and traumatic brain injury which could have resulted in death. This got me to thinking...what would I do if something like that happened to one of my kids? Aside from losing my mind how would I afford to pay for burial expenses? My father in law just passed away a year ago and the cost of his funeral and burial was around $20, 000. That is alot of money for someone who doesn't have insurance and doesn't have $ in the bank. The policy costs for both kids would be around $30 a month. I think that this is reasonable but am worried about the coverage and payouts (since it is a whole life policy). I don't want this to be a hassle for anyone and I don't want to waste my money. It seems that the only complaints I see have to do with the employment side of the business not the coverage etc. Please let me know.

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Anonymous Local 277
, US
Jul 02, 2017 9:29 pm EDT

Call around and shop. Insurance is based off of age and gender primarily. Look into a IUL or VUL because they will build larger cash values over time. Whole life policies are nice, but with their ages they have so many years that the policy could potentially become worth a very large sum that they can borrow against and still keep policy in place!

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Thisisbogus
NOwhere, US
Nov 02, 2023 6:04 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

Hi,

I know the policies you’re considering. Ail has an expedited payout feature for final expenses for ALL whole life policies and other options/riders that help pay premiums in case if strike, layoff, and disability, if your diagnosed with s terminal illness, and you can insure all of your children on your own policy for a nominal fee or opt for very affordable individual policies that can grow as they do with no medical requirements.

If you research complaints on any insurance company. You will find complaints, many legitimate. What really matters is that you find an agent who really cares and that the company is rated as financially secure.

Ail does have good products with special bells and whistles for working families, and good people who’ve made it through the horror stories noted here (or chosen agencies that are run differently) and are ethical and honestly care about thier policyholders.

I know this because I had to bury my husband (leaving me with 2 young children) and they delivered on everything as promised, and the expedited payout for final expenses was pivotal in our healing.

The insurance industry as a whole is often compared to selling cars. A lot depends on leadership and who you’re dealing with.

Ail is part of Globe life but it’s focused on working/ union families. You don’t have to be “Union” to enroll. You just need to find an agent who will genuinely listen to your needs and meet them within your budget.

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ExAgentSmith
, US
Feb 08, 2017 2:51 pm EST

My Experience with AIL.
Here are a few points to take into consideration:
Now I will be the first to admit that prior to working for AIL, I had no sales experience or background. I will also admit that working for AIL taught me that I don't possess (or perhaps that I refuse to adopt) a sales mentality. Of course this is only relevant to this experience. Again, having no other sales experience to compare it to, it would be wrong of me to "bash" the practice of sales and those who have succeeded in it. Another note to point out is that AIL is a large company made up of many different agencies. As such, there isn't one standard operating procedure for the company as a whole. That being said, I still see a lot of similarities between the stories above and my own, similarities that eventually led to me leaving the company.

I was in need of a job, as my previous job was a contract gig, and it had ended. Finding myself on unemployment and wanting to get back into working as soon as possible, I accepted a phone invitation to an interview with AIL. I understand now that my desperation to work was my first blinding pitfall. I knew that the position was with an insurance company and that it would be for an insurance agent position, so in that regard I was not lied to about that as others have experienced. AIL was in the process of opening a new division in the Portland, Oregon area that would specifically cater to Veterans. Having spent time in the military, this appealed to me and I had thoughts of being able to help other Vets.

The interview process is as described by others on this site: a 3 part process. I completed all three in one day, the third which gave video presentations on company overviews and testimonials from current employees. I was also introduced to my MGA, Chris LaFond. Chris has done very well for himself. A 20+ year veteran of the company, he has traditionally been what I would refer to as a "fixer": he would travel to other areas and spend time fixing those agencies for the company whose numbers weren't up to par. Now he was tapped to lead this division. He's loud, passionate, and extremely talented with words; all the makings for a great sales leader.

Upon being offered the job, I took to the task of studying for the licensing exam. Now, here is where some of you will think it unfair, but my fees for this were waived due to the fact that I am a Veteran. I did have to pay for the exam itself, but I was told to keep the receipt so that I could be reimbursed (not through the company, but come tax season). That was an $80 cost and I made sure to pass the test on the first try to avoid having to pay again for a retake. Then, I began studying and memorizing a 7 page script. It had been preferred that I memorize it in 4 days, but I lucked out and had a week as the state of Oregon took it's sweet time to assigned me my producer number. Now it is true that all of this time was unpaid, but I did it from the comfort of my home and so I have no complaints on that.

Once I had the license and script, next came the filed training. My field trainer and the person I was eventually "coded" to was Travis Vanderberghe, a 14 year veteran of the company. I have nothing bad to say about Travis as he was very patient with my training and always willing to listen to my concerns. When I left the company, the only feeling of guilt I had was having wasted Travis's time. I began to "shadow" Travis on actual appointments for a couple of weeks. At first I was an observer watching the script in motion, then I gradually would perform as much of the script as I felt comfortable with. While it may come easier to some, memorizing a script and actually performing one are two different beasts. Next came "cross-pitching", in which I would travel to appointments all day with Travis. I would complete one appointment, and Travis the next. If I made a sale, it went to Travis, and vice versa. I'm not sure if this is a common practice with other sales jobs, but I found it weird. Eventually I would be released on my own.

As stated by others, two days a week you are required to be at the office for training (both business applications and motivational) and booking sessions. The pretext for setting appointments was that these Veterans were receiving no cost benefits through their service organization (VFW, AMVETS, American Legion). This free benefit is real and is an AD&D policy that is provided to the Veteran through membership to their respective organization. In order to receive it, a yellow card is filled out with name, beneficiary name, address, and phone number. These cards are turned in to the service organization and then forwarded to us, thus creating our "leads". Booking would usually begin in the early to mid afternoon and run until 9pm. According to our MGA, Chris, the goal was to book 5 appointments minimum for every day you were working in the field. You would call through your stack of "leads", sometimes multiple times because people wouldn't answer their phones, until you made your booking quota or until the night was over. If you managed to make your quota, you would then call for other agents to help them fill up their schedule. There were a couple of issues I had with this:
1.) The average age of the Veterans was 60+. After a certain time in the evening, I found it rude to call them. This did not matter to Chris.
2.) We were expected to help each other out. However, other agents (not SGA's or MGA's), who were senior to us were allowed to leave immediately if their schedules were filled, a double standard to the "work as a team" practice that was preached.
3.) We were expected to be at office meetings, otherwise there was verbal criticism for not showing up. Yet there were other agents who never showed up. I knew their names, but never met them the whole time I worked there. Again, I felt it was a double standard because we were newer.
4.) Setting appointments was solely based on the premise of delivering these no cost benefits. Nothing was ever mentioned by phone that insurance was to be talked about. In fact the phone script all but promised that the whole appointment would take 15-20 minutes (which is not true). That started to bother me as I felt I was lying to people. Why couldn't we be honest with them? This is where I would like for you AIL "True Believers" on here to justify this practice. And don't give me the "if you give them a way out, they will" crap. People either want the product or not, it's that simple. Sure, you can force them and take advantage of their weakness to say "no", but that's not writing good business, another cornerstone that is preached constantly.
5.) There's no real tracking involved with the "leads" unless they are sold, or flat out tell you to shove it. Case in point, I had many calls where I was told that another AIL agent had already spoken to them within a day of me calling. Another, less common problem, was contacting a "lead" only to find out the card they filled out had been sent in a year, or two, or three ago, and no one had bothered to contact them in a timely manner.
Consistently I was home by 11:30 or midnight on these days, a sore spot between me and my wife.

In the field is just as it sounds, you go to appointments and make the sale. You're assigned a territory to work and that's where you schedule your appointments. At one point my territory was an hour one way drive from my house. Chris liked having two hour blocks for appointments, an hour and a half to seal the deal with 30 minutes travel time to the next destination. So 2 hours of commute with 5 appointments = 12 hour days. Remember kids, it's all about numbers. The idea was 5 appointments a day, with 2 sales a day. I didn't mind the driving, or the long days. Here's what I did mind:
1.) Sometimes your appointment cancelled or was a no show, so your appointments weren't guaranteed. This gave way to a practice known as a "drop by". So you have a cancellation. You can either call through your "leads" and try to fill the gap, or you can try to do a drop by on a potential client who has avoided answering the phone. Here's a little fun fact about that: regular people don't appreciate you dropping by unannounced; Veterans like this even less. Several times I was confronted on people's front lawns and given a good cursing out. This actually leads to a loss of a potential client. Chris did not care about this. In his mind it was a chance to "turn something out of nothing".
2.) If a sale was successful, then the whole appointment was roughly 2 hours, with completion of the paperwork via lap top, physical paperwork to be filled out, and other little things. This meant your 2 hour scheduling window went to hell real quick. Now you're late to the next appointment and have to call and apologize or reschedule, something I found quite tacky. Chris would ask if I could reschedule the appointment for the same day, sometimes as late as 10 or 11pm. Who does that? Would you open your door up that late a t night?
3.) Most Veterans I saw were Vietnam or older. Of course this was the target group as the older you are, the more you pay. Unlike the union member side of AIL, we specifically sold burial insurance. The idea of the product is great, but the age is what drives the cost. These are small face value policies, averaging 4K to 10K. Most couples were paying $150 a month or more. We had a computer program that would let us run the numbers and be able to show the client potentially what their cost would be. Now we were instructed to use a set of numbers that were "middle of the road", so that if the sticker price was too much, then we could adjust the numbers and "down close" them. Another tactic incorporated to make sales. I agree it's nice to give the client options, but down closing was frowned upon and portrayed as I had failed to explain the product or importance of it (mostly it frustrated them that I sold a lower dollar amount policy).

If you had a bad week, then a road trip was organized to help you make it up. Road trips were seen as better opportunities because you and several other agents would travel to an area that hadn't been visited in months. You would work the crud out of the area for a week or more and sale lots of policies. I made several road trips and barely sold enough polices to cover my gas expenses (remember it's 100% commission and all travel expenses are on you). In fact I had to sleep on the floor of my manager's hotel room because I couldn't afford a hotel for a week.

In other occasions I was criticized for the car I drove, the lap top I owned, and my military service. I was still serving in the Reserves at the time and thus it took away time that I could have been making AIL money. When discussed with Chris that my intentions were to retire with a pension from the service, it was questioned as to it's worth. Previously I had served on active duty and then transferred to the reserves. Chris used the analogy of "I was a pro baseball player and now I just play baseball with some guys on occasion" to describe the difference between active duty and reserves, of which I found insulting. Funny, he runs a division that targets sales of insurance to help Veterans.

In the end, I worked hard for little return. I barely kept my marriage, my house, and my military career. Within two months of me leaving I received notifications that every one of my polices dropped (probably transferred to Travis, at least that's my hope). And I'm sure my departure was chalked up to "he had issues" as I had heard Chris say of other agents who quit. It's true I had issues: with the lack of ethics, feigned concern for my well being, and my failing home life. On one occasion I remember talking to Chris about an issue between my wife and I (a dumb mistake on my part). Chris's answer "to surround yourself with people who share your same desire to succeed". You mean divorce my wife because my value of her is worth way more than this job.

I was told "opportunity unlimited", and that I could make $1000 a day. I made about $8, 500 while I was employed there for roughly 5 months.

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ExAgentSmith
, US
Feb 08, 2017 3:09 pm EST

Just like any other job, it takes all types. If you are a smooth operator, who doesn't care how you come by wealth, then this is the company for you.
However, if you prefer a more ethical approach to business, then you might try another insurance agency or different career altogether.

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I'mnotgettingscammed
, US
Feb 01, 2017 8:59 am EST

Here is my experience and how I resolved the issue so others can use my tactics to their advantage. I had a knock at the door and a woman told me I had been sponsored for a free child safety kit by one of my friends. I allowed her and another agent I hadn't seen at first into my home. The kit was a small pamphlet that basically contained places to put information that you would be able to verbalize easily in the case of a event. You also receive a Ziplock baggie with a ink strip for finger printing your child. That takes about five minutes. After they gave me my kit they proceeded a bit about how I also was sponsored for a small accidental death policy. In order to obtain that you have to watch 3 drawn out insurance videos. I have to admit their scripts are well written and they have answers for everything. By the end of their speech you are worried about your death, coverage, college, home and funeral costs. They have you thinking that your already great insurance won't touch the burden you are leaving for your family. You agree to look at the policies and they tell you that you will only need to pay $25 a month for coverage. After all the paperwork is filled out it's $101 a month. They told me they needed my husband to sign as well. Mind you they arrived at my house at 4 and my husband was not going to be home until after 7. I told them I didn't have the money for the policy that day and they could come back a different day when my husband would be home. They said they could set up my son's and my account and do my husbands later. I still said I didn't have the money so we could just do it another time. They said that they way they were setting it up in the computer it wouldn't come out until the next Friday. While they were "setting up" those policies their computer kept "acting up" It kept acting up until my husband got home from work. 3 1/2 hours they were in my home. We signed the policies just so they would leave. I called back two days after they had been at our house to cancel. I was told the agent needed to come back to cancel. A few days after that one of the agents came to my home and talked me into keeping the policies and lowering the premiums. I knew I wasn't going to keep it but I wanted the agent to leave. I called the corporate office number the next day on a Wednesday. I canceled my policies. That Sunday I had 3 calls from the agent saying I needed to set up our appointments for blood work for the policies I had canceled. I called corporate Monday and waited on hold for 15 minutes. I explained I had canceled and about the phone calls. I also asked about a refund because they had taken my money our even though I had canceled. They talked to me maybe 5 minutes, They said it had been canceled and one of the policies had been refunded. I assured them no money had been returned. They then told me it had been sent in a check. I asked why and they said because it was my 13 year old sons policy so his name isn't on my bank account so it had to be mailed. I asked for the check number and wrote it down. They assured me the rest of the money would be returned in 15 days. I thought about the call all day and just felt something was off. I called back at 4 the same day. This time I told them I wanted e-mails of cancellation conformation. They told me I should have received those last Wednesday but they would enter my request in the computer and if I hadn't received one in 3 days to call. Why would it take 3 days?! I thought about this all night. I went online and read all the stories of people in the same situation as I am. I read how they canceled months before, never received conformation and still had money withdrawn from their accounts for months! No way was I going to deal with that. I called on my break the next day. This time before they could speak I informed them I was recording our phone conversation with a google voice app and any information from this call would be used for resolution with a lawyer. I informed them that the lawyer I talked to was very interested in their company and the multiple people with the same problems I was having. I then proceeded to tell them I needed the cancellation conformation and money returned to my account that day or I would proceed in that way. Needless to say I had the cancellation conformation letters in my inbox within minutes of ending our phone call. My money was returned to my account by opening business hours of my bank today. Good luck to all of you having these issues! I hope my experience and strategic persistence will be of service. I also want to mention if you write your experience on their Facebook page they ask you to pm them your name and phone number. I received a pm from them within hours stating they expedited my complaint. They said my money would be returned within 24/48 hours. I don't know if it was my phone call or blasting them on social media but something worked! Good luck!

J
J
Jody D
, US
Jan 25, 2017 6:17 pm EST
Verified customer This comment was posted by a verified customer. Learn more

The internet is AIL's worst enemy. Most of their Facebook reviews are only 1 star and the fake reviews from the AIL shills can't keep up with the bad ones. The one scary fact I notice is that there are no positive stories from policy holders. Everything about the company is about making a quick buck and no mention of the quality and pride behind the product they're selling. This company only cares about recruiting and adding to their numbers. Good luck receiving any sort of service from AIL once they have your signature and money.

zineiac
zineiac
Modesto, US
Jan 12, 2017 8:54 pm EST
Verified customer This comment was posted by a verified customer. Learn more

Well then what is a good legitimate company to work for?

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