American Income Life Insurance
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Category: Lifestyle
Contact Information California, United States
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American Income Life Insurance Reviews
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UnhappyJane
September 21, 2009
lied to by 5+ service reps
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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August 13, 2008
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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April 9, 2008
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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December 29, 2007
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!
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