Its not a scam exactly bc the product is actually pretty good. However, the hiring and treatment of the agents is awful. I didnt even have a very poor experience working with them, but it was their ethics that drove me away. They do hire absolutely everyone, make you go through training and take exams for your license all of which is out of pocket. They mislead you on the pay. When you start you dont necessarily get the "best selling markets" so you have a rough time making sales, and then they make you sucker in more people to come work for them. I worked in the Denver office and the management is horrible!! They are rude, even to the point of being sexist, bc they know they'll just be getting a new batch of "agents" coming in. Definitely dont work for AIL!! Its not worth the stress, mistreatment, and costs

I am so glad I checked out this company online. I have an "interview" schedulded with the AI in Charlotte NC with Jim Logan this Thurs 01/29/09. I thought something was odd about all of this too. I really need a job just as much as everyone else who is looking but there is no way no how that I will go to that interview. I think it is a shame for them to get a persons hopes up for a job. Hang in there my fellow job seekers and know you are not alone in your search.

I am a previous employee for American Income Life in Omaha Nebraska for a short period of time and made ends meet when it came to the income, not the 50-60k that was promised. While working like a slave for John Akers I also saw a guy walking around that had Tony Robbins in his ear all the time on his IPOD and the guy's name was Brian Behrens. No one ever really saw him do anything, but he was always there and said that we should work 70 hours a week to solidify our futures. The truth of the matter is, everyone worked like a slave and never lasted past 6 months it seemed. There was a lot of chatter in the office about what was "going on" so I decided to research this shady "Behrns" character. This is what I found, check it out.

http://www.sec.gov/litigation/litreleases/2008/lr20427.htm

He is a crook and John Akers is a crook too! They treat employees as slaves and do nothing themselves. Do not work here! You will regret it.

I just came from the first "interview". I am supposed to go back for the second "interview" but I just came out and asked the person interviewing me if this was an interview for a job or a job "opportunity". She said it was an opportunity. I felt so tricked. It just felt wrong with so many people signed up for the same time with the same person. I am so glad all of the people before me posted. I won't be going back because I don't want to be associated with anyone that tells you they have gone over your resume and wants you to come in for an interview that is actually a sales pitch. It can only go down hill from there if they are dishonest with you to get you in there. I feel so bad for all those people hopeful that they got a job interview in these difficult times, only to be scammed. Don't go if they call. You have better things to do.

My name is Jason. Before you concider employment with this billion dollar company, I ask you read this review I have posted as it may save you MUCH of the aggrivation, time, and money, that it cost me. I did not take the time to type this up because I have way too much time on my hands, I simply typed it because I want others to learn from my "and others" crucial mistakes. I was first hired with A.I.L in "N. Royalton Ohio, " about the end of July 2008. I was promised riches as long as I was a go-getter, and was willing to work long hours. I was in construction for most of my life, and concidered myself very capable of both of these. Apparently, they agreed as I was hired rather quikly, "just as everyone else was with no experience in sales once so ever." I sacrificed EVERYTHING for this job. EVERYTHING in my life was put on hold so that I could give this job the attention I THOUGHT it deserved. I was told that i would be paid training, so that it would be easier for someone like myself to make the career change. The state exam for your insurance lisence is not easy, and you do have to pay for it out of pocket everytime you fail by the way. It took me only twice luckly. I spent both time..."about one month" and money "about $500" after all the application fees and whatever else to obtain my insurance lisence. Once I finally obtained my lisence, I was given a 4 page script that i had to memorize, word for word!! I did not like the fact they didn't tell me about it at first, but hey...i'm a "go-getter." So i sucked it up, and memorized it. This took me an additional 3 weeks to do "for free." Once i acheived this, i was put in a one week training class that was NOT PAID. When I mentioned the fact that I was told I was going to be paid for training, "hurting for some money by this point as you can imagine, " I was told I misunderstood, as the class is paid for, not me. I am not a stupid man!! I know what i was told!! In fact, if it wasn't for that one little detail about the job, I probably would not have taken it. They also told me they did not like me asking questions and pretty much told me to shut up "in there own words." So just like before, I sucked it up and kept going. If you play poker..."I was pot invested, " I had no choice. This is where those "LONG HOURS" started. We would start class at 9 oclock, got out at 4. Then I was instructed to drive to wherever my manager was to sit in on presentations of the bennefits. My first "attempt" at a presentation was at 9 o'clock the same night of my first training day. I did not get home until 11 0'clock!! "FREE MIND YOU!!" 9 to 11...whats that?? 14 hours!?!? When I was dropped off back at my car, I was instructed to go home and read my script more, rather then get some rest for tomorrow morning. The next few nights were the same, not giving me anytime to study any of the material given to us "AND EXPECTED TO KNOW, " in class. So about half way through the class week, I was told about all the postings from former employers and anyone who was/is affiliated with the company in any way shape or form. 95% of what I read was BAD!! And I read alot! No one had anything good to say about this company. I guess i'm not that smart of a man, other wise I would have found this on my own, way back when I was hired!! HAHA...jokes on me I guess. Anyways, the last day of training class was...actually today October 2 2008. The class had ended at 4, and as soon as I walked out I was fired by my manager because MARCUS SMITH, the rich snobby asshole who runs the joint, didn't have the balls to do it himself, even though he was standing right there. I was fired because someone overheard me talking about the sight with the same person who told me about it. We were both concerned "AS I'M SURE YOU CAN IMAGINE!" Now wouldn't you say it's disturbingly ironic they fired me with no hesitation at all once they found out I knew about the sight? They also said they didn't like the fact I wasn't willing to work 15 hours a day for training even after all i had a acheived thus far! Common sense will tell you that is no way to efficiently train someone! Please...do your research! These people are very good at what they do, and somehow scam thousands like myself. I am a very religious christian "AS THEY CLAIM TO BE, " and DO NOT want this to happen to anyone else, even though I know it will. All the numbers are in black in white if you just look for um. Absolutly no one stays with this company unless their dad is an S.G.A. who pays um a rediculous amount of money out of pocket. Of course its your decision you whether or not you listen to me...I pray to to the allmighty Jesus Christ that you do.
God Bless all of you