United American Insurance — Scam and cheating
I recently worked for United American. The company has you go to a seminar in a hotel for the interview. First, they are only looking for bodies to fill the seats at these seminars. If you can pass the state license exam you are hired. To get people in the seminar they call potential employees and tell them they are the Torchmark Corporation and not United American. They are a small part of the Torchmark Corporation, but they know that people will not attend if they know that this is an Insurance Company. I knew nothing about Insurance Sales and after being hired they gave me a one day crash course on writing their Flex Plan (which is their main health insurance). This is their main goal is to sell this plan. The company does not effectively teach people to sell their products. After you get the crash course you are on your own. You can ask to have a more seasoned agent to help you but usually they are too busy and they expected me to call them with any questions while with the client. Personally I do not think that is very professional to tell the client 'hang on let me ask my manager'.
In the seminar they also say that there are no COLD CALLING. This is so far from the truth. They use sales genie leads that are no more than giving me the yellow pages. I was expected to contact the owner to sell the policy to not the receptionist, bartender etc... Is that technically the person who needs the coverage? They wanted me to call from the office and the company did not have enough phone lines (only 2 oh yeah and a fax line), nor did they have enough desks for the employees to sit at. I was sitting on the floor in my dress clothes using my cell phone. Then when I complained they told me to up my minutes. I just want others to be aware when they choose this company. I now work for a GREAT company!! The training is top-notch. They also have real Leads to work with. I know that selling is more than the leads the company gives you, but with no training how can someone succeed? If you do not know about the products the company offers, you cannot sell the product properly. Also they did not tell me about Errors and Omissions. Isn't that EXTREMELY IMPORTANT to have just in case someone decides to sue you? After all the way the world is, everyone is sue crazy. I hope this helps others who may either be on the fence on staying with United American, or planning to work there. Some people may have a better experience with them, but not me.