Now what do you say with this ? HUH Torch this!

Torchmark’s bad faith insurance practices
According to the AAJ report, Torchmark and its subsidiaries, Globe Life and Accident Insurance Company, United American Insurance Company and Liberty National Insurance, have been accused of bad faith insurance practices, such as:
Discriminating against minorities. Torchmark has been accused of discriminating against minorities by using race-based underwriting practices and refusing to provide insurance to non-English speaking persons. Liberty National paid $6 million in a lawsuit where the insurer charged black customers a third more than white customers for burial policies.
Lying to policyholders. Both Globe Life and United American have been accused of lying to elderly policyholders by telling them that their insurance would be discontinued once they reached the age of 65 – even though the policies were guaranteed for life. In 2003, United American settled charges in Minnesota of pressuring elderly clients into buying more expensive insurance that provided fewer benefits than they already had.
Engaging in fraudulent activity. United American agents were accused of sending out mass mailings to the elderly concerning Medicare supplement insurance. However, they merely used the mailing as an opportunity to sell other products. Ironically, the scam was reported to authorities by one of the company’s own employees.
FreeAdvice.com survey: 50% or more of Torchmark’s customers very unsatisfied
According to customer satisfaction ratings on FreeAdvice.com, 50% or more of Torchmark’s customers are very unsatisfied with the insurer and its subsidiaries. Here’s how survey respondents rated the insurers:
Globe Life and Accident Insurance Company
Extremely Satisfied: 0%
Very Satisfied: 25%
Somewhat Satisfied: 25%
Unsatisfied: 0%
Very Unsatisfied: 50%
United American Insurance Company
Extremely Satisfied: 29%
Very Satisfied: 2%
Somewhat Satisfied: 0%
Unsatisfied: 7%
Very Unsatisfied: 61%
Notes: Since Torchmark is a holding company for subsidiary companies, survey information is not available for Torchmark individually. Survey information was not available for Liberty National Insurance.
Customers posted the following comments about Torchmark and its subsidiaries on the website:
Terrible customer service, nobody knows what is going on. Nobody returns emails at all, and only on person who said they would return my call ever did. I am going on over a month now getting a refund on a premium that was not supposed to be debited in the first place. I cancelled my policies and would not recommend them at all. – referring to Globe Life and Accident Insurance Company.
They misled us about the coverage and were overall very unhelpful. The amount that was covered was actually surprisingly limited. I would not recommend them to anybody. Regardless of their decent price... pay more to get better coverage. – referring to United American Insurance Company.
Notes: Since Torchmark is a holding company for subsidiary companies, customer comments are not available for Torchmark individually. Customer comments were not available for Liberty National Insurance.
If Torchmark or one of its subsidiaries has acted in bad faith regarding your valid insurance claim, contact an attorney whose practice focuses in this area of the law. Consultations are free, without obligation and strictly confidential. To contact an experienced insurance attorney, please click here. We may be able to help.


FreeAdvice.com survey: 50% or more of Torchmark’s customers very unsatisfied
According to customer satisfaction ratings on FreeAdvice.com, 50% or more of Torchmark’s customers are very unsatisfied with the insurer and its subsidiaries. Here’s how survey respondents rated the insurers:
Globe Life and Accident Insurance Company
Extremely Satisfied: 0%
Very Satisfied: 25%
Somewhat Satisfied: 25%
Unsatisfied: 0%
Very Unsatisfied: 50%
United American Insurance Company
Extremely Satisfied: 29%
Very Satisfied: 2%
Somewhat Satisfied: 0%
Unsatisfied: 7%
Very Unsatisfied: 61%

These ten companies were named the worst insurers in America for denying claims, raising premiums, refusing insurance to those who need it most and many other reasons:
Allstate
Unum
AIG
State Farm
Conseco
WellPoint
Farmers
United Health
Torchmark
Liberty Mutua

AIL is a scam. I worked at AIL for less than 2 months. For the AIL supporters yes you can make money but how can you look yourself in the mirror knowing that you are calling to set up an appointment to go over a "Free Insurance Policy paid by the Union" only to slowly twist the person into feeling ao guilty about dieing and leaving his family without insurance coverage that they buy something that they can not afford. Yes more people need insurance coverage but not the overpriced minimal coverage that AIL is selling. IF this is such a great product with such as need why is the entire presentation and initial phone meeting not open and upfront about its purpose. The answer is because if they told the truth upfront no one would give them the time of day. Secondly because the sale is based on guilt rather than logic most people simply cancel a few months out. After leaving AIL for a couple of months and just starting to forget about the company they sent me a bill for commissions that they paid me on policies that canceled. While speaking to the accounting department in Waco Texas they tols me that commissions are only a loan and that if the policy canceled I had to repay the company. I immediately asked where this info was in writing and I was shown a one line sentence on my contract that I stated I would be responsible for any money borroewed from the company. When I asked for the section that explained that commissions where a loan they had no comment and asked how I woudl be paying back the money.
If you want to make money selling insurance please join a reputable company that is not so ashamed of what they do that they won't even tell you why they want to come into your home.

you people are tripping. if you don't want to work that is onyou! i also went to ail for a job, i paid for agot a life and health lic. i did not end up working for them because, i could not retain the 9 page script. now i know that if a nut thing to have to retain 9 pages of script word for word but, i stll have that lic. and i am able to make a plethra of cash. i am signing a contract today with another company making a hell of a lot more money the i would have at ail (about 10k a month) . so i just wanted you people to know, they are not that bad, aslong a you are willing to spend a lot of time and hard work to learn a 9 page script. everyone in the insurance industry says ail is a good company and there sales people who worked in the past for ail ar the top producers makin in accesses of 20k per month and more.
i truely wis i had the time to learn thier script and i will say 1 more thing. the people i had met in ail were very nice and helpful with everything i had needed to get my lic. and any other questionsion i had. ail also had a class to make sure we had a fair chance to pass the state exam, find that at another company, if you do youare fortunate. i wish all of you folks who didn't have a very nice expieriance at ail have better luck in the future finding something that fits you but, remeber this. if you want a job that pays the big bucks, don't think itwill be handed to you, you will need to work for it!!!

I as well just received this email. it is the same as the others. i just thought i'd share this with everyone out there.


Attention Applicant,

Earlier this week I received your application / resume from one of the Job Boards that our company works with, (Monster, CareerBuilder, Hot Jobs).

However at this time the only contact information that I have is your email address as your phone number did not load properly.

I am interested in setting up a first interview with our Regional Director at your earliest convenience.

Please contact me Monday or Tuesday at 717-975-3454 between 12:30pm and 3:00pm so that I can schedule your interview.

Just received an e-mail saying the EXACT SAME THING. I am certainly glad I went to Google and found this page. As before, I did not know what AIL was and of course started searching the internet to find out what AIL was. The email stated, " Attention Applicant,

Earlier this week I received your application / resume from one of the Job Boards that our company works with, (Monster, CareerBuilder, Hot Jobs).

However at this time the only contact information that I have is your email address as your phone number did not load properly.

I am interested in setting up a first interview with our Regional Director at your earliest convenience.

Please contact me Monday or Tuesday at 717-975-3454 between 12:30pm and 3:00pm so that I can schedule your interview.

Sincerely,

Liz Horetsky

Human Resource Manager

AIL

702 Lisburn Road

Camp Hill, PA 17011

Phone 717-975-3454

Fax 717-975-3525