Burgermeistermeisterburger.
I agree with you. They could have presented themselves a lot better, but chose not to for whatever reasons. I am not saying that they didn't have the social capabilities to do so, but may have not wanted to hold themselves back. I don't agree with the bad mouthing of other insurance companies [and if you read all my posts, I have never done so, even when posting on Primerica complaints and such].
Hello BurgerMeister -
I apologize as well, I thought you were just another remake of the 'fail7 -Fail2010' who is the same person. Which, now it is apparent you aren't.
AIL is part of OPEIU local 277 and our contract was negotiated between AIL and OPEIU, what was negotiated was for life time renewals [which takes the place of retirement or pension] vesting contract, the bonus structure that we have as a company and the free [depending on your agency size] offices, with next to no overhead expenses on supplies [unless it's above and beyond the necessity]. We are 1099 employees which gives us certain rights and takes away some others, in which is not so typical in other unions. The union contract that we hold is very valuable though, because of the 10 year vesting process, which [at least to me] is the main reason why most people get in to the insurance field, renewals. But in our case, it's renewals that come to my family for the rest of my life.
You are completely right, when you're in management you typically cannot be part of that respective union [in which you work with currently or work at]. The reason for that is because most management is based off of the best interests of the company, not the employees, so they set it up that way so that there would be no grey area. The reason our management system is set up differently in the sense that we are still union members is because [this is all speculation, and my personal opinion] we still do all the aspects that a regular 'union employee' would do. I still do all the things that I did when I came on board to AIL in October 2007, except now, I am just teaching people what to do [or not to make the same mistakes I did] But I'm doing it, not because it's better for the company but because I [again, my own personal goal, there are managers who hire just to make money] want to make a positive change in peoples lives. I like being a part or even a defining factor in changing peoples lives for the better. I think that is why we are still able to be union members, because unions are based off brotherhoods, sister hoods, essentially; family. I feel like all the people that I work with [or work for me] are like my family. And I'll do everything in my power to help realize or create their dreams.
Commissions are VERY tough, it has it's ups and it's downs. The worst part is, the downs are triple downs, and the ups are triple ups. It's hard to keep an even keel, to where even a very 'go getum' type person is worn out. The lazy people have no chance, but because the ideal of money, money, money, money; catches their eye. They go after it, and fail miserably.
on a side note though AIL is not chartered in New York, National Income Life [also under TMK] is though. I don't know if NILICO is union though [since i'm not part of them].
Oh, and all the people I mentioned Like Mary Mahoney and Juliet, they are all a part of OPEIU international group and Mary is Juliet's boss.
Tina R manages her whole sector, to heather R who manages all of the 'secretaries'.
oh my god! The Truth you finally got it right!
They changed that ### to STI's like 4 years ago. Everyone but you and I still says STD.
That's a pretty big Jewel...
Is this a song? or are we all just this talented?
I'm going to go with the latter...to heavan.
Brenda, I love reading your responses. They make my insides all giggly.
Bs to that whole thing was awesome.
If a policy has been approved money is never "returned" especially if you cancelled it when it was approved.
The only time it is returned is if you were declined for medical reasons or if you withdrew the policy (cancelled policy before the approval date, which is usually in the first 30-45 days)
I am sorry you had a rought time. Some agents can give a bad name to the entire insurance industry
**note'** I don't work for Bankers life or have any affiliation with them in an way shape or form. I do work for another insurance company though
Again, I apologize for your unsavory taste in your mouth, I wish that all agents were more ethical
Do you have copies of the policy?
If you do I am licensed and I can see what is in all of the fine print.
Send me an Email or message and i'll help you out as much as I can
On a side note I am not in any way affiliated with Bankers Life but I am an Agent for another company and I can go over your entire policy in detail. make sure they are'nt just stiffing you
Stevedossett - you have no idea what you're talking about. I don't work in Virginia, I've never even been in Virginia longer than a 10 minute drive. If you're going to try to discredit me, figure out what you're talking about.
Rob hay is not my mentor, I know Rob, but not on a professional level (since he lives in Washington state now, which is where i lived when I first started).
Nor do I claim or have even made mention that 'i'm a hot shot producer' I am a part time producer, since I am running my agency of 6 and an office of 18. You may have seen RGA's write agents checks you may have seen people do a lot of things. But your word is just about as valuable as my words... You have no way to really back up what you're saying. All of what you said is exactly the same thing that you are flaming me for.
What 'reputable investment firms pay for training'?
what reputable investment firms have agents that stay longer than six months? (which is every single one, since mine does as well not EVERY person will stay in any agency in any company but above the norm is what i'mn talking about.
How exactly do we 'lie' to our clients to get in the door?
Who was writing these checks to which agents to keep what quiet?
what exactly did Rick and Rob lie about?
Explain that to me because i've at least had reasoning (even mostly personal experience / reasoning) to back up what i'm saying. you're just talking out of the side of your neck.
I hope you have a wonderful day
If you choose to contact me my information is on my name or
Michaelellisail@gmail.com - email
[protected] - cell number (leave a message if i don't answer, otherwise i wont get back to you)
I don't mind, in fact, I enjoy when people post something of content in their complaints, or compliments. You didn't really post any kind of complaint, it sounds to me like you're just trolling.
Back up what you said with solid information, or proof. Then i'll take you more seriously, but until then, please keep quiet.
I am sorry to see that you are frustrated with AIL, I cannot tell you how much I apologize for that.
I have read this in detail and though you may feel that you were "lied to" or "missinformed" or any of the other ones I can only say that if you received your policies, it explicitely states on the policies (the A71000 is what it's called) it will tell you exactly what it covers, a break down of the coverage and the exclusions of the coverage. I don't know if you ever opened up your policies and read them, or if you even received them. But if they were received (which the company lists when the policy is sent to policy owners home) then you don't have a case, because it's all on the policies. Again, I do feel sorry that you feel that you were taken advantage of, but that is no basis to give someone their money back, because if it was people could say that about anything they bought.
I can say that there is a script that Nowak used and the script is pretty straight forward and detailed, If you'd like to see a copy of the policy I can attach it to here, high light the areas on the policy and post it so that you can see that if the policy was read or received it explicitly states on it. Even on the very front, it says "Accident only policy"
Bob Fleming - You rock.
It sucks that you couldn't get down the script, just reading what you wrote I can tell you would have done amazing things. I hope the absolute best in the company you go to and thank you for the response! It is much appreciated!
I hope you realize that American Income Life is a life insurance company. they are not a health insurance company. a 20 unit cancer policy pays as follows
Hospital: ($200 a day for twelve days and 100 a day thereafter)
For a total "maximum benefit" of $74, 200 of benefits
Surgical: ($90.00 to $1, 500 per operation as outlined in schedule of operations[refer to policy])
For a total pay out of $10, 000
Anesthesia: Not to exceed $200 per operation)
for a total of $2, 000 of benefits
Radiation Therapy and Chemotherapy (Usual & customary charges)
For a total of $4, 000 of maximum benefit
Nursing (80.00 a day when required)
For a total of $4, 000 of maximum benefit
Attending Physician ($40.00 a Day)
for $2, 000 maximum benefit
Blood Plasma (Usual and customary charge
for $2, 000 maximum benefit
Ambulance
For a maximum $1, 000 benefit
Transportation
1, 000 for maximum benefit
Which totals out to being $100, 200 of total coverage
On top of that they have an extended benefit which is in lieu of hospital benefits on the 91st day at the begining of the next month they will send $12, 000 a month to the family which has absolutely no maximum limit.
This is a breakdown of what your 20 unit cancer covers. The actual monthly costs that you incurred based on your age. would have been anywhere from 3 dollars a month to a maximum of about 20 dollars a month... and that 20 dollars a month is covering 70's males.
Whoops, I accidentally hit send.
If you started your policy in August of 2008 and you contracted cancer in in November 2009 then you paid (assuming you paid 20 a month) 15 months of premiums which would equal at most $300 dollars total. The company paid you for the surgery $1, 600 and 400 more for the 2 days in hospital so a total of $2, 000 dollars.
On a policy that is supplemental to health insurance for cancer (which means you should have health insurance and this will just cover the EXTRA expenses not the 'coinsurance aspect')in where you paid out a total of $300.00 in the 15 months you had it and the company paid you just over $2, 000.00...
The conversion factors are not there to limit their ability to pay claims effectively in the future. they are there because you should have already had other health insurance, maybe even some other cancer insurance coverages. But, by the sound of your post, you did not. That is not AIL's problem, that is your problem. I do feel sorry that you have so much medical bills and leftover stuff.
If you did not have any health insurance, you should have let the agent know, at that point. The agent would have sold you what is commonly known as a "lump sum cancer" policy. You would have been paid $25, 000 at first diagnosis of cancer, and the type of cancer does not matter (unless skin cancer, because that's not covered). This policy is obviously more a month, which a reason you bought the "per proceedure cancer policy" (listed above in the previous post) because it's a lot cheaper, and covers very basic aspects and generally speaking (unless you have a terminal or very major internal cancer) pays modestly and not intended to pay off all your medical bills.
So, to sum it up.
You paid 300 dollars for the whole time owning the policy
The company paid you more than 2000 dollars off of one claim.
Your policy is a max coverage of $100, 200 which means that at this rate you can make close to 100 more claims at the same rate.
Or 1 major claim that is going to pay out the 98, 000.
For 20 dollars a month, i'd consider that a deal.
If you want more coverage though, I hear Blue cross blue shield has a great plan. It only costs 500 a month for decent coverage. Humana has even better coverage (depending on your needs) for 800 a month for less healthy people.
P.s. I don't mean to be a jerk in this post, but if you are making money from making a claim, i don't see what the point of complaining about. Without this policy that you paid 20 a month for, you'd have 2, 000 coming out of your own pocket. I, personally, would rather pay 20 a month.
I am 24 years old. I have been with AIL since i was 21 years old. That makes me 3 years in the business.
AIL has built relationships so many different groups and individuals of Associations, Unions etc...
And one thing about dealing with 95% of the families i have met with and will probably be meeting with is that hardly any of them first off, know what benefits they have through work. If they do, 90% of it is "i think i have..." "I think it's..." "i am pretty sure it covers for ..." but none of them REALLY know. Some have no idea if they even have ANY coverage, so for people to say that they already know what they have through work is 95% of the time a bold faced lie, or half hearted truth. Its just the same as car insurance, there will be a COUPLe people who really know what it covers for, and a bunch just speculating.
We do work with your union (in most cases, considering we work with over 50 thousand groups)
That is a list lead... You still filled out the card, you still requested benefits. We do not call on any member unless they filled out a card through their union (or were referred by someone else in their family or union). That again is a lead, but how else do you expect us to contact them without a lead? Osmosis?
I do find it slimy or more so, salesy, that the person who contacted you about your insurance and the billing process, tried to hire you. But that does not mean we have shady business ethics, much less a scam. It's essentially the same idea when you talk to a friend about your favorite ________ or the most interesting show called ________ . Or anything to that extent, he may be 'sold' on the opportunity, and wanting to give many other people the chance to see what he sees.
Either way, that's all just speculation...
I think you should have done more research on your work benefits, called and asked the higher ups if we(your hubbys union and AIL) actually work with you guys and if these have been set up for all of the members of _______.
They will tell you what you need to know.
Ail does not advertise and we only see the people who have asked us to come out, or those of the families (and their friends) of whom they refer these benefits out to.
I am sorry that you did not feel the same and hope that the bad taste in your mouth has subsided.
If you didnt know that Insurance + commissions = sales.
I can guess, you're the only one who didn't know that coming in.
Because we tell you this is NOT sales in the sense that you will be cold calling and door to door selling and what not (like TYPICAL insurance) but never once ever, do we ever say
THIS IS NOT A SALES POSITION THERE IS NO SALES ASPECT AT ALL.
I am sorry that you had a terrible experience in AIL, but I don't think it is because you were told it wasn't sales, or even that people were getting promoted because of whom they dated. Though, I doubt that's even relevant to a promotion.
I think it's because you came in with different impressions of what AIL is, to what it's really not.
AIL is sales, I'll tell anyone and everyone. Sales is not for everyone, I think that you may have fallen in the latter part of the catagory.
I hope you have found success in whatever else you do though.
I hope to God that this is a joke...
Is this really a legitimate complaint?!
"...once I was done with trainging they expected me to continue to work 5-7 days a week to make a great income. I am like most of you where I got a salary most of my life whether I worked hard or not. With American Income you only make money if you work hard, if you sit around, you make NOTHING. I do not think it is fair that I have to push myself to make money!"
A company that pays you great money for just two weeks of work and doesn't expect you to work hard? Where are you from? I don't mean to be offensive in any way, but this is just upsetting. that the 'average' american has absolutely no work ethic, absolutely no self worth.
You should have to push yourself to make [great] money. If you wanted to make okay or just enough money to survive, then what excited you the most about this opportunity?
Anyone who goes in for an interview is told it is commissions, it requires hard work and a strong work ethic, if you don't have the last two, this is not a position for you.
Darn stuff- with that same mentality that you have as the OP, that is proof why most people don't work out in AIL. They don't want to put in work to make good money, they feel it should be spoon fed to them or that they shouldn't have to work hard to make a great living.
I pray that future generations don't have this same idea of how america is and should be. America was built on sales, and hard work. Selling ideas that freedom and less oppression was the way to go that the freedom to believe in whichever religion you want to believe is right. The hard work put in to establishing colonies and government and systems. It's been lost in a sea of internet/ entertainment/ porn and instant gratification.
Forced to run dead leads at your expense? How so?
The agents don't pay a penny for the leads...
The leads are provided for free by the company.
Running a dead lead? I'm not exactly sure what the connotation to that was but a dead lead i'm guessing are people who just have a name no address no number no city and no state.
considering "dead" would essentially mean there is nothing YOU can do.
Sometimes their numbers are bad.
Knock on their door.
Sometimes they have moved, so the number and address is bad
There's this amazing website called super pages, try it.
The company gives them to you for free.
Any other insurance industry makes you pay 2-50 dollars or more, per lead. which 9 times out of 10 times, are way worse.
DonGotta- I'm glad that you came on and did your research, I am sorry to hear that you declined going in to the first interview. I hope your movie was good though, I don't think that's going to be something that helps you get a job and get the bills paid. Whether it be AIL or any other company, my assumption of looking for a position with a company is to have one main ingredient which is ferocious. Ferociously looking for a new position.
I hope you have since found a position.
Angelle - I apologize that AIL has called you back several times, have you called back at all and let them know that you are not interested? I'm sure that'd stop them from calling. If you haven't, I'd try that, for courtesy to them, but also to have them stop hassling you, it's a win-win.
Before I started with AIL I didn't have a whole slew of careers under my belt, especially not 16+ years. But for most people who get let go in a position or positions that were held for so long, most people (especially now) are having a hard time finding a job in their listed field. I have talked to people that have been doing the same thing for 15-20 years (I.e Construction) and though that is what they have been good at and that is what their resume lists, that doesn't mean that people are hiring in that field or if that field is one's calling.
I have not seen your resume personally, but I can say that if you've been in a field 16 years, you will definitely have talent, that's a given. But what employers also look at is "is this person going to be easy to deal with (or train) or are they going to have so many bad habits or "so much experience" that they cannot be taught anything, because they know it all. I am not saying that is you, but as someone who employs people, that's one big factor i look at when someone is sitting a crossed the table from me...
It may be your calling to stick in to you field, but how many people in your field can say "that is my calling, through thick or thin i'm going to stay in this". Probably not many...
I do hope they have ceased calling you though since it has been 42 days since you posted this, but I also hope that you have at least given them a phone call.
If there is anyone here who is on the fences about AIL and wants to know some information, I work for the Company and I have for a while
I am available to answer any questions that you may have and any concerns that may be on your mind.
you can reach me at
[protected] which is my cell phone, or you can text me at the same
or email me at MichaelellisAIL@gmail.com.
anyone that talks to me i will not be mean or judgemental so do not think that i will, my only goal is to give anyone looking, insight.
KenAdams - I do not think I am a good salesman, I don't really consider myself a salesperson, I really like talking to people. Who ever said insurance is 'noble'? I'm not going in to a castle to save the princess from a dragon. I'm not taking 6 bullets to the chest to save a baby elephant, I'm haven't even adopted 36 starving babies in Africa, to help feed them with just 12 dollars a month.
I have never claimed what I do is NOBLE. Is selling hamburgers and asking if they want fries with that NOBLE? Is building a home for a family and charging them (in some cases) 5 times what it cost to build, NOBLE? Is working for a company getting paid (you choose) dollars an hour, working 40 to 60 hours a week NOBLE? Is staying at home 'job searching' long enough to collect unemployment until it runs out NOBLE?... I think you get the point.
What I do is neither noble or vile. I am offering a product to someone who is accepting. As with any company in any industry in any year during any season. If someone want a cheeseburger and they weigh 380 pounds with a 5'3 stature should you as the seller (or middle man/woman if you're working in certain industries) tell them, no you cannot have this because i do not approve. If they feel they need it, my job is simply to provide it. I'm not selling drugs or sex.
I'm not doing anything to get anyone killed
I'm not doing anything to have one get addicted
I'm not doing anything to cause pain
I'm not doing anything to put them down or cause friction between me and them.
If you ask someone who has claimed on a life insurance policy ask them, if they could go back, would they buy more? 9.9 times out of 10 they'd say YES.
As far as a reputable insurance company, i want you to show me ONE company that is at least 2/3rd the size of AIL that does not have a complaint, that does not have someone who worked for them who is pissed, that does not have people who do not believe that the (whichever company) is 'reputable'. I guarantee, you won't find one.
AIL does not pay me in any way, shape or form to post on this website or any other websites (which this is the only one)
as far as posting so much and claiming to be a successful agent:
Success is not measured by how little time one has, Success is measured by happiness of the one.
Do I make a million dollars a year? not even close
Do I Make 500 thousand a year, No i don't, But i will.
Do I enjoy what i do? HELLLLLLLL YESSSSS
Will EVERYONE enjoy the same thing i do. No they won't
there are people on here who have thousands of posts, some well in to tens of thousands, are you saying that all of them are no-life-losers? Because that's pretty untrue. are you saying that just because I work for AIL that puts me in a different category of me obviously not being successful because I can log on to my computer open up (Google chrome) type in www.complaintsboard.com and click that nice link on the right that takes me right to responders. I don't know if i should be insulted by you implying that i'm too dumb to be able to navigate through such advanced technology, or i should be giving you the "oh, honey" response (If you don't know what that is watch How I met your Mother Season 6 episode 15).
Honestly, I don't mind if you're being a jerk to me you've come on to this website with one intent, to flame me and to make sure that AIL has a bad name. Not one time did you make any solid points as to WHY AIL is bad, or WHY you feel that way, it's was just "AIL SUCKS you are a [censored] for working for AIL, you must be an idiot because AIL is lame and once you realize that you'll still be an idiot, oh... and you probably dont work for AIL you probably get paid to say good things about AIL and if you're not you're probably not making money at AIL because, i said so."
If anyone wants REAL information about American Income
Call Me I am available 7 days a week, i do work for them as an MGA (I am not an agent in the company)
and have been for 3 years
my number is [protected]
or you can email me at michaelellisail@gmail.com
KenAdams- I believe I just posted to one of your earlier posts, but a troll does not mean making posts. A troll is a person who comes on to a forum just to cause problems by saying negative things or personally attacking people just to get a rise out of them.
"AIL doesn't have "about 200 or so pages on this website alone" You might want to do a recount again because there are 17.(at least from the day of this post)
And some of those are not even complaints, some of them are people sticking up for AIL so there are 17 posts, not eve 17 complaints.
I haven't ignored any complaints or any points, whether they be valid or not... Read all my posts again i'm sure you may have missed something. If i have, please point it out i will make sure it gets addressed the next time i am on here.
this is not the only response that I have posted to because I've posted so many (and usually i post a bunch at the same time) so I tend to miss some points.
And honestly I dont ready EVERY single post from every single person, I skim read and if something seems to catch my eye, i then read the post.
Again, if i've missed a complaint, or a point or even a responder, please tell me i'll respond back, I have no shame in what I do. I love what I do and there are many people who feel the same. There are also people who do not feel the same at all.
If you have any questions or concerns about AIL please call me or email me at
Michaelellisail@gmail.com
or
[protected]
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.
Some construction jobs are 1099.
Tax preparers( or better yet CPA) 1099
cosmetologists 1099 in a lot of respects some times W2 and sometimes 1040
Licensed nurses 1099
any mucisian (technically) 1099
Writers 1099
I could go on for a while, but i think that's enough. I dont think that just because one is a 1099 employee, it should be a "big red flag"
