First off I want to say that I started working for American Income Life in October of 2007. Todays date and time is 5:21PM on April 19th 2010 and I am still working for the company. I am very happy where I am at and I have no intentions of leaving insurance or this company. I have had my ups, I have also very well had my downs, that comes with every job, career and even life, so that subject doesn't need to be delved on. I do want to address the fact that everyones biggest "complaint" or "scam" about American Income/ Altig International is the fact that we use scripts... yeah, so what? When you go through training on anything, anywhere at any location is it not true the people training you use a script or a binder to train you at the very least have a training method? Do the people who call you for an interview get trained on what to say and why to say this so that they do not accidentally leave something important out? regardless of if that information is written down on a piece of paper and in front of them or committed to memory? (which in most cases it is on paper). Name one company that does not use scripts in some way to teach or to relearn or even to utilize in their daily duties. On top of that I don't know why it's just so offensive that someone is using a script to talk to you? Do you not like being informed BEFORE you come into an interview that if you wear jeans and a cut off shirt or a mini-skirt that you WILL be asked to go home. Do you not like knowing that you, being unemployed, you might have several interviews and if you come in to an interview and you assume it's going to be 20 minutes or 30 minutes WANT to know that "this may take 2 hours to even 2 1/2 hours". I know I would.
I also realize and so should you, this position is not for everyone. I also do not know any jobs that EVERYONE can do it no matter what so there will be people who get fired, and even wont be hired. There will be people who cannot pass their insurance test and there will be people who feel like they cannot do sales. I get that, hopefully you get that. I am in fact a manager in an office in North Carolina and I deal with hiring. and I can confirm that yes, we do see your resume and I can pull that up and I can look at what it says on your resume and for all the idiots who say they are on the do not call list, if you are looking for a job and you have a resume up and you post your number there, guess what not just AIL will call by you putting your number on there (do not call list and all) you have just agreed to be contacted aka "solicited" but in this case, employers. So lets put 2 and 2 together; Resume online with phone number + A company hiring (in this case AIL) = NOT illegal. and you have agreed to be contacted (maybe not by AIL specifically, but if you got to choose who you were contacted by looking for a job would be pointless you would just give your number to all the CEOS of you first pick companies. If you don't want to be contacted about a job, don't put your number on your resume and I guarantee you will not be called by American Income. Or even better if you want to be contacted about a specific job I.e construction, real estate, licensed nursing, etc... say on your resume at the begining "I am looking for a position in __________" I bet that will help your job search quiet a bit more. But when you put a resume ONLINE where ANY employer can see with your previous jobs look like this: where you only worked for arbys and part time reception and filing clerk and even had a 5 month long full time position as a cook for Long Johns Silver(yuck) while thinking you're going to get a call for a position from a company making 25 an hour to start for your dream job and they want to hire you today, you're sadly mistaken and should probably re-evaluate looking for any position that requires one to use their own brain and their own common sense.
American Income and Altig International does have a high turn over rate, So does Mcdonalds so does pretty much any company that has servers, waiters, hairdressers, CONSTRUCTION and even care givers and i'm assuming from the unemployed persons aspect the career, job that you just voluntarily left (but probably didn't) to look for bigger and better things. Sometimes bigger and better things aren't in the form of Insurance sales, sometimes it is. How many people in the music industry make it, or the acting industry, Dance, Play, and even game making industry make it. With that being said, it doesn't make it any less of a real and viable solution to providing for your family or someone else providing for their family while protecting someone else's. The main reason why AIL has a high turn-over rate is because it takes someone who can motivate themselves to go to work. Someone who can be self sufficient and have the drive to not just be satisfied with 500 dollars a week but wants and KNOWS they can and should be making 5, 000 and is willing to actually put in the TIME to actually put in the WORK to actually sacrifice their own social life so that they can not only learn how to make money but continually make money on a weekly basis because this is hard work, but hard work is rewarded with great success and usually a pretty impressive amount of money.
I am not saying that everyone who reads this will agree with me or believe me, you don't have to and in fact probably for the best that you don't go in for an interview because you either A: won't make it passed the final or B: wont be able to figure out how to wake up in the morning to get to work on time. This is a career opportunity for the people who want to better them selves who want to provide for their family while positively impacting other families and lastly have a career that they can look back on and see the actual fruits of their labour. For a person who cannot see themselves putting in 10 hours a day 6 days a week, I strongly encourage you to go apply at Mcdonalds or go apply at Arbys or any where that requires just a warm body and sometimes a smiling face. that might be a better fit for you, but for most of those people it doesn't make you happy. I am happy with my career choice and even if you do work for another company just be happy with your career choice.
?**and if you are called for an interview, it is a script. Its in your best interest and theirs but at least go to the interview it takes 2 hours out of your life, if you don't like what you hear, guess what you can still live the rest of it. But when you do listen to it and you do like it, if you are chosen then know it won't be an easy path, it will be hard work it will be rewarding. And even if you don't like it you've just accomplished something that a lot of these people i have seen on these posts have not. You have made the decision for yourself and not because someone else told you or because you read something on a board from someone who you don't even know. For all you know they could be an alcoholic or a drug abuser or even communist!(just kidding) It may not be for them, but unless you go and find out for yourself you will not know if it's for you.****
I would also have no problems answering anyones questions at all you can call me email me or send me a text at
[protected]-Cell
MichaelEllisail@gmail.com-email
xXsieferNOFXx2003@yahoo.com-personal email
I welcome all phone calls and texts or emails that pertain to the positions. If you want to flame me you can try but It probably wont work.
P.S. If i dont pick up please leave a message about it kinda letting me know what you're concerned with and you will get a phone call back. No message = no phone call.
Thanks Michael Ellis
American Income/ Altig internation Insurance rep
Your resume was in fact posted on something, just because your name was not stated in the email does not mean that your name wasn't on the resume(that they saw) or that you didn't apply to the position. It simply means it was a massive email in the sense that you are not the only one that made a request or clicked on the link or applied. It also may mean that they did not want to type the same message out to 20+ people (and maybe even in the hundreds) and sending one email to 200 people was not only more cost effective but also less time consuming. Sounds to me like they are using their noggin. but on another note, If you don't want people contacting you about a position you can do a few things. Get a job and take your resume off those job hiring boards. Stop looking for a job and don't put your resume on a job posting site. Or one of the simplest of them, Responding to the email "no thank you". I mean you received the email, called the number and extension just to say you're not interested? that to me just seems like more was said than "i am not interested thank you" because if it involves "sending a randam(which it's spelled random) email then an EMAIL would suffice, because her talking to you on the phone doesn't give her your email by osmosis. But then again, she may have been psychic, i'm not sure.
I work for AIL and have been since October 2007. It's april 19th 2010, and to answer 'Kevin-trying to find a REAL job' AIL reps aren't "out knocking on doors 70 hours a week" Do a little bit more research and you'll see that leads are provided that one doesn't have to pay for and are viable leads that the person(on the card) has filled out with their own handwriting. Or in some cases gone onto their unions, credit unions, associations link (that links to our site) where they are able to fill out an online form for their aforementioned affiliation. The only time a door knock is involved is when its from a previously scheduled appointment in which they know we are coming, or because the member has a bad number or disconnected number.
S half. I work for American Income and what this person did (if it really happened) was not because of the company it was the PERSON. There are bad seeds in every company that doesn't make the company bad that makes the decision to hire that person a bad one which unfortunately gives AIL a bad name. But doesn't consist of a "BAD COMPANY" My question to you th S Half is if you are the VFW(Veterans of foreign wars) or if you were referred by someone in your family (presumably) who was in the VFW how do you know he is not a VFW member? Anyone who has stepped on to Iraqi soil is now a member of the VFW (so if he was young, it's very possible he was VFW) and if he was older and he fought in WWII(probably not) or Granada or any of the other wars that weren't listed then he may still be a VFW member. You are making an assumption to the fact that he is not a VFW member. What test did he fake? A spit test? how do you know he faked a spit test? did he say "i am going to fake this spit test" did you see him fake the spit test? or are you assuming he faked the spit test because you don't recall a spit test? And lastly how does one "steal money" from your grand daughters(which leads me to believe you were the VFW member who referred these people, which leads me to believe you don't have any real knowledge of the spit test being faked or the money being stolen and that it's all presumptions). Lastly 9:30pm until 1:00am. At any point in time you(or the person who had them in their house until 1am) could have said it's late we can resume this tomorrow or it's late and im tired and come back some other time or anything else. Staying there till 1 am leads me to believe 2 things the people this person saw wanted these benefits and secondly that this person must have had an inordinate amount of questions or a lot of side talk or even a lot of medical problems which resulted in a long application process. And if it was the last part probably resulted in a DECLINE for Insurance on their part. If this truely happened i am sorry and i can say not everyone is like that and to blame something like that and say its a whole company is like blaming one soldier for killing children and saying everyone in the army are nothing but child murders or something to that extent... sounds a little unfair right? It sounds that way to me also.
In response to VacuumFolder
I can really only say this opportunity is not for everyone. You didn't have to alienate your friends or your family, one major question that comes to mind is that If you were there for only 3 months how and why in the world would you RECRUIT. I find it quiet strange someone who is new, knows nothing about the business and was in for a maximum of 3 months would try recruiting all his friends and lose friends because of that when you have no idea what you are doing yourself. And to go further into that you really asked all your friends? really? you either had very few friends, or more likely you actually felt like what you were doing was viable and working otherwise who would tell ALL their friends?
I wont go too much into this part but I will quote what you said "The leads start out great, actually made a little money at first. Then things will get tough if you do not try to sell to anyone." You got hired on to a sales position. You knew it was sales when you signed on when you went through the licensing process, when you got licensed, when you went through training and even the 3 months that you were working and released. So, YES it will get tough if you don't sell anyone. I think the fault is not the company, or even the leads ( you admitted the leads were great for a while) i really think it was you. You came in to a job that involved selling. Obviously, you weren't into selling so i think that at some point in the time where it went from hire to license to training to released you would have realized that this position is not for you and stepped away from it with respect and not complained about the fact that you just couldn't sell. I am not flaming you i am not making fun of you I am being very real with you. If you had a problem selling you should have never accepted the position because it takes two to tango.
Oh and just because someone doesn't go to their meetings it does not make it a scam. Just because someone needs to memorize a script and shoot a video does not make it a scam. Going to meetings is not only a personal choice but it may directly conflict with their work schedules meaning they CANT go to their meetings. Insurance is a highly regulated field and AIL uses a script so that new people (and people who have never done sales and for that matter, insurance) can have a baseline on what to say and what to do. Instead of a field like Computer Technician or Lawyer or Heart surgeon because well, in order for you to get any of those positions you need to be quiet proficient in them already and had immense schooling and college tuitions and etc. The script was designed to give an Average Joe who has never done Insurance or has never done sales, a fighting chance at actually being successful, and you my friend, were not. It is as simple as that you tried something and didnt succeed. It happens to the best of us. But I do wish you luck on your next career or job that you go into.
Michael Ellis
Sky I also work for AIL and have for almost 3 years now and will continue to.
NcRadioman, Hopefully I am the one who called you :) I am working in the Asheville office but i'm not quiet sure where greensboro is maybe raleigh office called, but that's neither here nor there. What i will be talking about is the comments you made.
Everyone is definately entitled to their own opinion and their own experiences and want to be very up front with you there are out of pocket costs for your licensing, there are out of pocket costs for each test and also in some cases an administration fee. Which (based off asheville nc office) It is 106 for each test, which there are 2. that's 212. And then there is a class fee of 79 dollars which totals 291 which that 291 goes to the state fees and NOT in any AIL office or AIL Reps pockets. there is also a 312 administration fee that is one mandated by AIL because of the fact that AIL spends 10, 000 per agent for leads each year 12, 000 for leads and all materials involved, not to mention you NEVER pay for paper or any resources that involve the company and another 5, 000 on advanced training materials and guides which doesn't even include any of the trips to nice places that they pay for all of your hotel and food and drinks. That 312 to the company is the only commitment to AIL financially that you will make.
What kind of commitments do you make to be a Doctor? or a Lawyer?. A teacher, Paramedic, fire fighter, cosmetologist, police officer, nurse, RN, Dentist and I can go on for days. But to answer your question at LEAST a couple years of schooling that the tuition fees and books and classes all come out of guess what, your pocket. Where the interest on those fees and after you've graduated and dorm room and all other amenities involved come out of of also YOUR pocket. And the end result is that once you do go through all that schooling to become a teacher(which even after you do become a teacher you have to take classes every year) you are NOT guaranteed a job. You are not guaranteed anything except for that you've achieved in getting a degree in aforementioned career path. commitment that you have to make finacially to AIL it's maybe 1/80th or more of your financial commitment to being any of the others and in this case you DO have a GUARANTEED job. To me that sounds pretty good. But to each his own right?
To answer the rest of the statements that you made which are less important is the 80-100 hours a week is completely a personal choice and for someone to make that personal choice to work 80 to 100 hours a week i will guarantee that they will be successful. That goes with anything if you put 80 hours a week into playing even the GUITAR i guarantee at the end of a month or 2 months you'll be playing with the best of the guitar players. But if you put in 10-20 a week you may be able to play a few songs or even make a few, but you won't be the mozart of guitar (i use this analogy because i play guitar, sorry if it's not a great analogy)
like i have stated in most of my other posts i do welcome calls from people who are curious about AIL or about certain things my number is listed on my MichaelAIL link and email and all that stuff. Please don't email me or call me and tell me I am stupid for working for this company. I enjoy what I do and I feel like i made the right choice in career path.
In response to MBA4career
I read all of what you said and overall I find you a very smart individual. I like the fact that you made yourself very clear in a lot of the things that you were talking about which i've been reading many posts today, realized that most people who didn't want to work for AIL pretty much just added nonsense jargon with some swear words and more swearwords.
I really do not know where they were in a "rent-a-office" it could have been for the reason that the office was just opened or they have not found a location as of yet or for many other reasons that you or i do not know. But I personally would have never done any hiring without a real office. Which this is a legitimate reason to think it is sketchy.
But on the shaving or un shaven factor. I really think that is more of a personal decision for each individual. It's as if i were to say I think this woman is uneducated because she has long, blonde hair. That's all personal preference. The people you may have seen may LIKE their facial hair (or maybe they really did forget to shave). From another aspect I am now 24 I started with this company at 21 and facial hair and a suit actually helped me because if i am seeing people who are either 2 times my age or even more and they see a young guy in their 20's talking about insurance to them i have seen first hand where they show you no respect because "you are just as old as my son" or "my daughter is your age" . Which in your post you had stated just that, they were just Young men whether it be complimentary or uncomplimentary. Facial hair may give one a little older look that the person may be looking for that. As far as intimidation factor goes, I would assume that most 350 pound men in a suit seem intimidating, not because that's what they are going for. but because of their general size. It's the same reason why people are intimidated by black people in baggy clothes that may be walking in your direction. You are perceiving it to be just that, whether they are intentionally trying to be intimidating.
As far as myself, I do work for American Income and I am proud to be working for American Income the office that I am in is in Asheville NC (actually swannanoa) and I will state my full name. Michael Ellis, I am an MGA for the company and i can honestly say this job is not for everyone. If it were everyone would be doing it. But it's not, so if you are unsure of if you should go, I say you should go, find out for yourself if this position is for you. If not, then at least you made that decision and didn't potentially miss out on one because of what you read. Everyone has different tastes, wants and likes. And who know, you might like it.
This is in response to Debra Merritt (original poster)
If someone from AIL tells you they will call you and schedule you for the second interview AFTER you have had your first interview. I will guarantee you, you did not get the position and you will not be getting called back. So the response the person you gave was very correct, it was an opportunity for a job, but that opportunity had just passed you up in which the person who interviewed you decided for some reason you would not be a good candidate by what you said, what you did, or even simply by being late. Obviously, I do not know your personal qualifications or disqualifications but I know that it would have been for one of those reasons.
The reason why they bring so many people in is for many reasons, one of the main reasons is not everyone will be selected and odds are out of 10 people who come in for an interview maybe 7 will be brought back based off first impressions or resume and then out of those 7, 3 of them may not be qualified or even interested and then with the remaining 4 maybe 3 can make the financial and time commitment and out of those 3, maybe 2 will make it passed the licensing process for whatever reason it may be. Then maybe 1 will decide sales or insurance or even the working time is not for them and leave. that leaves 1. If it were an army of 1 that would be great but the fact of the matter is every job, career or any opportunity is a numbers game. That may sound harsh to give all the people who are coming in a number, but when you go in to interview for any other company, whether it be insurance or sales or even food industry or ANY industry it's all a numbers game. It could be a numbers game as in we need 10 servers and we will hire 15 because for whatever reason or we need 3 cooks or anything. That's business and unfortunately business takes bodies and bodies sometimes need to go through the metaphorical ringer.
In response to scam or talk
This person is correct, an agent can NOT write up someone in their family it is whats called "controlled business" in which the Agent will get a "NOPRD" which means NO PRODUCTION, which means you don't get paid. So the person who stated they make sure they write up their families was very incorrect, I do not get paid from writing anyone up in my family (unless in the VERY slim chance it passes their glance and they accidentally do) which give the agent no incentive to sign up everyone in their family.
MJD101010
Paul could have left for numerous reason, could have been health, family, personal you or i have no idea. but if he has left and STILL has positive things to say about the company that says something.
what positive things do you have to say about your previous employers? Most people can usually say none.
this is a group response to MJD, Amanda and krystal429
Krystal I am not sure how them expanding in to jupiter and them finding your resume on palm whatever it was consists of being a "scam" because thats what all the "previous people are saying that are true". I think that means they are expanding and they saw your resume and called you for a possible interview... And some people LIKE commissions based jobs and it is a fact that you CAN and i say CAN not will make more money on commissions than you will hourly. For the simple fact that if you make 12 dollars an hour and you work 8 hours a day you make a whopping 96 dollars that day. If you times that by 4 more days (or 8x5 if math isn't your strong suit) you get $480.00 in that week Before taxes which at the end of the month is about $1, 900 again, before taxes. and then you take a commissions based job (for this case i'll use AIL obviously) where you take that same scenario but in this case you sale, enroll whatever you wanna call it, a person who is making that said $12 an hour it looks like this.
their hour of power* =12 a week
12 x **4.34 =52.08 a month (for the family to pay for their insurance) which is 624.96 annually in which based off your contract its
50% commission rate (based off annual premium) which is 624.96 times by .5 which equals =312.48. then you take that number and
times it by .65(the advanced rate) which equals $203.11. the 203.11 is what you will get paid for 1 hour (and if you're new 2.5 hours) of
your day. This is based off of one family paying 52.08 a month for life insurance that is for the whole family not just one. If you see 20
people a week(some do some don't) then just based off rough numbers you should enroll at least 3. That's saying out of 20 people you saw 3
enrolled that's roughly a 15% sale ratio, which is normal for some and low for others. if you make 3 sales that exact same size thats 203.11
times 3 which equals $609.33 at the end of the week NOT including bonus. How the bonus structure works without going in to very
specific detail if you do this every week you will get 15% of the ALP(Annualized life premium) which we know in this case the Annualized
life premium is 624.96. Take that number times it by 3 and you get 1889.88 ALP the bonus is 15% of that number which is 1889.88
x.15 which equals to $283.48. this is also paid on that same week. So far this is a total of $609.33 plus 283.48 which is $892.81 at the
end of the week. But it goes one step further, for new agents in their FIRST 9 months every time you bonus the company is going to also
give you an additional $175.00 every single week you bonus. So, the final number comes out to being $1, 067.81 in ONE week. How
many people do you know who makes MORE than 12 dollars an hour then it's based off that number which means even more money for the
same process. If one did JUST 1889.88 ALP every single week for a year they would make $44, 640 including 6 weeks of vacation and
another $6, 300 roughly for that year which totals out to be $50, 940 in a year. I will say honestly if you are seeing 20 people a week you
will naturally get better at your job, thus increasing your close ratio. JUST increasing the close ratio and making ONE more sale a week
and not changing the ALP at all increases your income by another $10, 000 to 60k a year. You do the math with whatever digit of money
you would like to make and see how much that is. And lastly, for the people saying "58.02 whole dollars a month! THATS SO
EXPENSIVEEEEEE" ask your friends or your parents or relatives how much they pay for their life insurance, see what they say.
*Hour of power is the program that AIL Offers to their members which is based off of their hourly wage and customized to each specific family (if you have a spouse and kids, the program includes them. if it's just you it is based off you. If you have just kids and you then it's based of you and your kids.)
** this is how many weeks are in a month.
On a side note, All the numbers I used are completely accurate (maybe off by a few cents or couple dollars here and there) but accurately reflect what one will make by having 3 sales from families where their monthly premium is $52.08 with no extra bonuses that aren't normally given or any extra incentives that aren't normally paid to any insurance producing individual that works for american income.
(by the way i spaced that part purposely because the numbers were starting to blur even for me so hopefully this makes it easier to read)
Amanda1989 I find it kind of strange that someone who posts their resume on a hiring website would first off, complain that someone is calling that person, whether they applied to that specific position or not, secondly purposely forget their resume with still having full intentions of GOING to the interview and then thirdly (or lastly however you want to look at it) go through not just one, not even two interviews but go all the way to the 3rd and final interview to then ACCEPT(which wasn't stated if you did or did not but the way it's worded, it sounds like you did) the position. To me, that sounds like someone who doesn't have any urge to actually find a job and is just posting up a resume to appease the parents so they think you are looking to earn your keep at the house (since based off your Screen name 1989 is the year you were born making you 20 or 19 depending on your birthday). And that anyone who is actually looking for a job will welcome an interview(in most situations of course.)
And on a final note All the people who say why did AIL call me and thats soliciting and thats this and thats that. You have posted your resume on a public information site that deals with employers who are interested in giving unemployed, or people looking to change careers jobs. By that you have consented them to call you even if you have not explicitly said I WANT TO WORK FOR AIL. How many of your friends said I WANT TO WORK FOR MCDONALDS, I would assume and HOPE that none do. Mcdonalds for a lot of people is a temporary job or an inbetween job or sometimes a part time job to occupy your time. I am not ragging on MCDS and saying that it's not a great job, because for some people it is the way they pay their bills. I am simply saying that for the people who want more in their life than "do you want fries with that" or any other typical one line jobs then they welcome companies that are willing to give them an opportunity to prove themselves and to potentially make a lot of money.
I can not really say anything about this post but i still want to comment on it for just a few things. THGO68 there are some things in your post that i like and some things that i feel differently about, but that doesn't change your opinion, everyone has one and you are entitled to it. First just because you haven't heard of a company that does not mean it doesn't exist or that it is a scam. You may have been union but just because you're union doesn't mean you're involved with your union or you know what is going on in your union. But then again it may be that American Income does not work with your union. With that being said, If i were in the same situation I would have red flags thrown up too.
but more importantly something that I wanted to make sure got commented on was the fact that you were offended when they asked you to "dress professionally". You may have known to dress professionally but not everyone just just automatically gets that. I have seen first hand people coming in overalls or shorts or their work clothes because they just left their job or its a hot day or that's just what they are comfortable in. I am sure that you've seen people during your interviews looking for a new job not all of them are dressed appropriately. It makes it a lot easier when we tell everyone to dress professionally because some people just know it and some people do not. For me to just assume that just because a certain individual has been at these types of positions they dress professionally, or just because of this persons age they have no idea how to dress or what to wear or because of this persons resume they will wear inappropriate clothes. That would be prejudging which is never a great thing because it always comes and bites one in the butt. Which I am sure all of us have done and seen the results of it. I do hope you have found another job that is better suited for your talents though. And from what it sounds like the person who interviewed you and possibly even called you was very new at it. Everything is a learning curve even being a great electrician.
I welcome all questions from people who have questions though my Email and my phone number are on my profile.
I think that the Actions of a person, In this case, Bryan Behrens does not constitute the actions of all. Or even the company for that matter. I am pretty sure that it is safe to say that no matter what company this person worked for he would have done shady things.
D thompson you have absolutely no clue as to what you are talking about. American Income has one of the highest claims paying ratios of any company. And the claim process being hard and impossible? that's also complete speculation. Here's the number where you make a claim **[protected]** once someone picks up you insert your policy number here __________ and guess what. it's paid. I am talking about a death claim by the way. When a claim involves an accident claim or something else, yes its more of a process which is the same with ANY insurance company and the process is this. All the medical information where you got this injury treated and the doctors response and then your policy number. If you don't have all of those (except for you policy number that can be found, but takes a couple minutes) especially the medical information no claim will be given. Otherwise anyone can claim 100 times a day with no real records of anything. Learn the actual claim process or even research it and figure that out.
Oh and by the way for anyone who doesn't know this AIL(American Income Life) When 9/11 happened was one of the only companies that paid the claims out to the people who had died on the planes, in the buildings and the police officers and fire fighters who died in that tragic event.
This link illustrates what companies did (it does not state that american income paid claims) as an alternative to paying the families claims when they happened. http://news.outlookindia.com/item.aspx?17636
The people who made and needed that money when 9/11 happened after all these years all those other companies are finally getting some sort of resolve to this? more than 7 years later?! American Income paid those claims when the claims were made. Knowing full well that it was an "act of terrorism" which legally meant they did not have to pay. But did pay anyways.
you definately pulled 92% of the claims are denied out of your ### hoping that no one would question it, when in fact you have no idea. EVERY insurance company also has a verrry high turn over rate.
But lastly Primerica is a company that i say do not do business with. They will replace whatever insurance that you have saying that "oh you dont need this" or something to that extent and selling you a term product which will expire in a few years or your rates will go up and by the time you want to requalify again for whole life you're too old to get a decent amount of coverage for a decent premium or you just can no loner qualify because of health reasons. But If you're looking for term insurance definately go to AIG. And if you're really desperate go to Prudential, they have much higher rates and bad customer service(my mom has prudential and has since i was a kid) and some of the people who are sitting at the tables accepting phone calls about insurance are not actually licensed to sell insurance, it's sometimes just the guy on the sign like "jason biggs agency". But It's 12am and I am tired and my eyes are getting blood shot.
With so many advances in technology today there are a lot of things that one does not always completely comprehend. When that is the case, Google. It's Gods gift to mere men (or a woman too). I use that for everything, and I mean everything. Except for groceries, for that I go to the store.
But verily much so this is not a rip off or a scam of any sort. Though on a side note, I am not sure about the last comment you made, a ripoff especially in this economy? It didn't cost you anything extra to get that receipt, at least it shouldn't have.
Madchen, Maroon is not just a color it can also mean to be Marooned on like an island (alone and stranded) or simply put, stuck.
this website is real. Try Google. It's the next best thing to sex.
I have always felt that essentially taking the "easy way out" of things usually has adverse or undesired effects. I am not saying that what you did was stupid or anything like that but if losing weight is someones goal then I have come to realize (which applies to more than just weight loss) that sometimes you have to just pick up you head and return to the basics. In this case the basics include; dieting, gym, and sometimes a trainer. 168 dollars is a lot for a drink especially when it's a 'supplement' because that word right there says it all. It supplements a regimented diet or work out plan.
With that being said, any thing that involves open product usually cannot be returned (especially when ordered online) because there is no resale on it; in most case. But I would say another factor included in this would be that you took to long to return it or the product was passed return date?
I hope you realize that even though the sign says "5 dollar foot longs" that does not include tax...
So off normal government taxes it will probably end up being between $5.30 and $5.60. That kind of makes the number a little bit closer
but if you ask for extra cheese (instead of 4 you get 8) or extra Bacon or even Extra meat; you get charged for it. It's like asking for a Pepperoni pizza with extra pepperonis; this will usually run you another (I cant find the Cents sign on the keyboard) 50 cents or even another dollar depending on what it is.
It could have even been due to the Foot long meal. That will usually be an extra $1.20+ for the chips and a drink. With that being said, the charges are all automated ; so when you do get that foot long they press a button and it comes up with that $5 dollars plus the taxes. Then if you add anything else there is another button for each action, which again are all automated. I don't think the person charged you more, It may have just been what you ordered plus tax.
OAN is/was a billing company for Coral Communications in California. In 1998 the Public Utilities Commission of California found Coral Comm. guilty of Cramming. Seems that they are still around
When this is the case I have heard from similar stories with my friends(not through cricket) that you can go to cricket store and get a new phone and show them all the dissemination that you have received from what has been going on. In some cases they will give you a phone back especially if you threaten to blow their place sky high. I'm sure some drug dealers have already tried.
I can only say wow.
It is absolutely insane how someone can fall for that BS. Or, even a few from what it sounds like off your post.
I feel bad that you lost your money and a car, but how can you blame that on a psychic? YOU gave them YOUR money. Not the other way around. And more importantly thousands of dollars a day? Are you really that incapable of making your own decisions or deciding your own fate? I hope one day you realize the only person that did this to you was yourself.
As far as a police report, nothing will get done. It is just like LadyScot said, You cant call the law to sue a casino for your gambling problem or even for that matter you losing all your money. that was your choice and you made it.
The reason you do not get paid on business you write up for you family is for multiple reasons. First, because they don't want you focusing selling life insurance to your families, because the family may end up buying for 2 reasons. First because you're family, and two because when you're family you also have a hard time saying "NO".
Another reason is because American Income has an agreement with the Unions, Credit unions, and associations that we will TRY to see their members in a timely, and professional fashion. Meaning that if we have 25 agents and 24 of them are focusing on their families because it's an easy sell, it makes it hard to keep that commitment up.
And finally because when you do sell to families what ends up happening a lot (in all insurance companies) is when that agent quits or changes insurance companies the families all cancel their policies because that agent tells them he/she has a better policy and that they should (being that he is the insurance professional.
Let's debate further.
Major Tool
the "real" reason AIL does not allow that is NOT because they have the worst retention of business in the industry. You didn't even TRY to research that piece of information did you? You just randomly pulled that out. Because you can see who has terrible retention of business, and AIL is not at the top. But since we are just talking about AIL I will keep it with that and not throw any other names out, just in case you get them confused. 60% is a number you just pulled out because if you did any research you'd realize that 60% is STANDARD for insurance companies that deal with majority whole life insurance (and even Term unless it's a term only company). AIL is at a 72% Industry standard for their retention of business from Point of sale to 1st year on the books and from that point on if a policy pays in for longer than a year goes from 72% to (not completely accurate) 81%. And whether or not Roger smith told you that himself(which i doubt, but will not debate you on the matter since i have met him on several occasions myself). Like i stated in my above post, that is not a problem with just AMERICAN INCOME that is a problem in ALL industries when that happens. Let me repeat that last part, people writing a lot of business on their families and then quitting is a major issue for all insurance companies and it happens all the time. AIL actually did something about it though.
But on a better note, AIL did go one step though you do NOT get ADVANCED on your family it does all go into your "back end" and if you don't know what that means, which if you know roger smith so much you should undoubtedly know, but it means your residuals -aka- renewals. When you write up your family your PVFC increases but you just do not receive an actual advance or paycheck.
Anything else you want to debate on?
AIL and NILCO all part of Torchmark and SGA's of NILCO also worked for AIL same difference. It's all the same blanket corporation, Do your homework.
that may be true paleske but it doesn't change the fact that psychics, for the most part is BS. I am not saying all are because I am quiet sure there may be very real very accurate psychics. But 99.9% fake as silicone tits, and not even as much fun.
Telling someone to dress professionally is wrong? Let's put it from the employers aspect. You are looking for a job, I am offering. I ask you to do a few things to prepare for that job, if that offends you; that's fine. But unemployment only lasts so long. So just quoting you so when " They(assuming you mean AIL HR) are reading from a script for a job interview (person who is jobless or soon to be jobless and looking for a new one), yet have the audacity to tell people to 'dress professionally' As a potential employer I'd say yes, they have the 'audacity' to tell someone to dress professionally. When you interview for Mcdonalds or a warehouse job or any job in general, they can tell you to dress however they want, they are potentially employing YOU, not the other way around. Most jobs go not 1, or 2 but 3 and 4 steps further by not just telling you how to dress, but what shift you will be working (whether you like that shift or not) how many hours you'll work, how much you'll get paid, and anything else they see fit to say.
how does one "act" professionally when it involves calling someone in for a possible job interview (emphasis on calling). Because I didn't know there was some sort of etiquette to being or acting professional to the aforementioned. Since you have so many great ideas help me out, I would love to take advice from you because you must be pretty successful yourself aren't you?
What would make a phone conversation more professional? Should I use an automated machine? or online application that you walk into a store, or log on to a website to receive this information?
There was no point that i missed in there because the person above didn't make a point other than wow they are reading a script and since they are reading a script it must be a scam because no one uses scripts.
And in all honesty, how is reading from a script unprofessional? Is it because it's not the person who's on the other line with the potential hires own words? Is it because they don't sound overly excited like you just won a million dollars?
I really think you missed the point because you first go and say that it's not that people are told to dress professionally but its because someone is reading from the script. they are reading from a script (in your words) for a job interview, which what i think you meant to type (we all make typos) they are reading from a script to a person who might be coming in for a job interview, but because they are reading from that said, script; they should not tell someone to dress professionally because reading from a script is NOT professional and before we tell someone to dress professional we should act professional (which again i assume it means not read a from a script).
Which what my comment was saying was that reading from a script is company standards 101. 99% of all companies have some form of scripts or slides for all or most facets of their business in either selling, hiring, growth and expansion, products and even firing! These are for several reason, which I won't delve into but one of the main ones being there are some things you can say that are okay and there are some things that you can't say that will get your company sued or you fired. For instance, if someone comes in and says "Your Human Resources told me This and This and This and now I come to find out that This and This is not true" It makes it so I can say well actually sir, this is what was said... because if everyone involved is on the same page (pun intended) then PR problems or just misinformation, is a lot less likely to happen.
You need to figure out where to put quotation marks correctly. After reading this, I doubt there was a real money transaction made. All parties involved seem too stupid to form a half-coherent sentence. But good luck anyways
