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  #19  
Old 02-23-2010, 05:39 PM
Maze510 Maze510 is offline
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Re: New look on American Income Life - This is NOT

Quote:
Originally Posted by kkla View Post
Let me CONCLUDE this endless fight about whether AIL is a scam or not:

1. If you are looking to buy life insurance:
AIL is NOT A SCAM.

It is a legitimate company selling GOOD life insurance products. In fact, after some research, you will discover their Whole Life Products are one of the best and/or affordable ones in the market. And if someone dies, they DO pay out the claims. My uncle had their life insurance through his Union and when he died, his family did get the money. So no worries there.

But,

2. If you are looking for job opportunity:

AIL's recruiting process is a SCAM or at least misleading in nature.

Because this is a sales job, and does require a lot of door to door selling.
In many people's opinion, SALES is the worst job in the world no matter how much you make. So if AIL tell their job applicants upfront that they will be hired as INSURANCE SALESMEN, guess how many people will be interested? That is why they paint a pretty picture to applicants by using words like "unlimited income" etc. But that is only for people with good sales skills.

So unless you are a damn good salesman or believe you can be one, don't be lured by the fancy recruiting ads!
kkla,

Thank you for clarifying that first part. It's funny how people don't believe the company's products and operations isn't real when AMbest.com gives it nearly it's highest rating.

However, you are mistaken on some facts about your second point. Probably just because you haven't learned about AIL's marketing.
They do not, I repeat, DO NOT go door to door unless they choose to do so for kicks and giggles. They service union members that send in response cards through their union and agents call and make appointments. They also service policy holders and referrals they receive from them.

You are correct in saying that sales skills help, but not required because they do a soft sell in the home, not a hard sell. They are forced to for two reasons. 1. If they don't check for affordability, the policies fall off and it hurts the agents income anyway. 2. If they are forcefull with members and too many complaints arise, AIL loses the cooperation with the union/associations president.

You are rigth, unfortunately, about the practices of some managers who try to sugar coat the position. Those are the ones that usually lack true leadership and honesty. Most of their leaders are very upfront about what they do. I'm sure AIL wishes they all did.

Your post was very helpful though and much appreciated.


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  #20  
Old 02-25-2010, 07:05 PM
Maze510 Maze510 is offline
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Re: New look on American Income Life - This is NOT

I don't feel like dignifying these posts any further so I'll just finish with this.

*ENCOURAGE ANYONE WHO WANTS THE TRUTH ABOUT THE COMPANY ITSELF TO GOOGLE THE FOLLOWING*

American Income Life Better Business Bureau.

Google those six words and see for yourself. The BBB does not endorse and rate companies A+ if they are a scam. Please stop posting stuff on here. Lets move on.

Thank you.

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  #21  
Old 03-11-2010, 08:52 AM
BSleuth BSleuth is offline
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Visit your local recruiting office, then post.

The Smoking Gun
Yesterday afternoon I was browsing *****slist, on the search for more "too good to be true", "get rich quick" opportunities. I came across this lovely ad promising unlimited income and stressing the fact that no experience was necessary. Now if this isn't a tell-tale sign of something amiss, then I feel for your lack of common sense.
I of course, replied to the ad and sent in my resume. Within one hour I received a phone call. I was contacted by "Alfred", after verifying my identity he jumped into an obviously scripted questionnaire. I swear I could hear him handling the paper in his hand as he tried unsuccessfully to come across as genuine. I complied of course with his line of questioning and gave him the answers he wanted to hear. Yes, I am money motivated! Yes, I love sales! Yes, I am a hard worker! And of course, "No, I won't take no for an answer!"
He congratulated me on passing this initial phone screening and invited me to come in to the office for an interview. He gave me 4 time slots, I agreed to be there at 9:15, today. I took down the address info and was amused by his specifics on how to find the office. I will paraphrase his instructions: 'Be sure to make your way to the back of the building, make a left. We use the back entrance to the building, we're at suite ***.' Of course, he gave me one final instruction. "Please remember to dress to impress!"
This morning I prepared for my big meeting. I arrived a little before 9AM. I circled around the building a couple of times, the first time I didn't notice the back entrance I was instructed to use, but upon a 2nd time driving around the parking lot I noticed a couple of other guys dressed in suits walking toward the rear corner of the building. I parked my car, exited and followed. Sure enough, there on the door was the name of the agency. I entered and recognized the two men in suits, along with one other guy in a suit, along with 3 young ladies. Each individual was sitting in this lobby with a clipboard in hand, furiously filling out a sheet of paper.
I proceeded to the front desk and a young lady asked me to sign in. I put my name down and she handed me a clipboard and asked me to please fill this out. I was surprised to see a single sheet of paper with 6 questions on it. The only info I was asked to provide was my name, telephone number, address, how I heard about this job, my email address and finally the time and date.
I filled out the sheet and returned it to the lady up front. I was told to sit down and that someone would be with me shortly. Approximately 15 minutes passed, it was almost 9:30 and then Mr. Alfred appeared. He called my name, I responded and he invited me into his office.
This is where my level of suspicion arose along with a sense of humor. This scenario was almost comical, I was really trying not to reveal a smug smirk. I took a seat on some tattered old chair and Alfred took a seat behind a desk that looked as if had been picked up from the front of someones curb on trash day.
Another interesting fact was the lack of a computer in this office. There were no file cabinets, no clock on the wall, not even a phone! Heck, the poor guy didn't even have a desk calendar. All that he had on his desk was a coffee mug, a notepad and a desktop pencil holder with a couple of miscellaneous pens and pencils. He proceeded to make some small talk with me. He was impressed by my voice and wouldn't get over my tone. He asked if he had heard my voice somewhere before. He asked about my family and if I was involved in any activities such as sports. He then asked if I had brought along a copy of my resume. I said, "No, I emailed you my resume yesterday, that's how you obtained my telephone number." He said 'No big deal, it's okay.' He proceeded to flatter me and told me that he really like me and as a result if I had a couple of hours of free time I could proceed to the next stage of their hiring process.
I accepted his invitation and was escorted to another room near the back of the office. As I walked down the hallway I scanned for any sign of work being performed. All I saw were a few more bare bones offices, a water cooler with an empty 5 gallon jug, trash bins lacking liners, an old relic of a copier occupying a significant space on the floor and approximately 6 other men in 3 day suit broker suits just standing around the girl at the front desk, casually chatting.
As I entered the back room I noticed 6 other applicants who had made it to this next stage. I was given 2 more pieces of paper and asked to answer the questions to the best of my ability. This questionnaire was a total joke. It was as if spell check didn't exist, or a 12 year old dyslexic had put together the questions. I bubbled in the answers randomly, as I had a sense that my answers really didn't matter.
Finally a young, semi-attractive blond woman entered the room. She was introduced as 'Dee' and immediately made an impression on us all. Her heavy eastern-European accent was something out of Rocky IV. Her attire looked as if it had been picked out at a Target clearance sale.
She proceeded to tell us the story of her rise through the ranks of the company. She started out just like us, recently out of college, with no sales experience what so ever. Within a year she had been promoted to MGA and was making a six figure income.
She then handed us each a sheet, breaking down the company pay structure. She then began to scribble some hieroglyphics across the whiteboard; apparently to further illustrate our earning potential. The details of the information provided to us can be ascertained by reading through the many pages of posts on this topic.
At the end of her presentation, I was summoned back to Alfred's office. He asked how I felt about the opportunity. I of course expressed my enthusiasm much to his delight. I was told to expect a call back later in the afternoon to schedule my 3rd and final interview.
Of significant note is this awesome fact. As I was returning to my car in the parking lot I thought for a second that I noticed 'Dee' entering a broken down, late 90's or early 00's compact sedan. This couldn't possibly be, as she had been telling us no more than an hour before of her rapid rise to success with this company. She had told us how within a year she had cleared $100K, and that had been a few years ago. How could this be then, that a 6 figure earner would be driving around in a car that was supposed to be exchanged in the cash for clunker's program?!? As I pulled out of the parking lot I stopped right behind her car and waved at her. She looked startled, surprised and immediately turned her head without returning my wave.
The proof is in the pudding people. These poor individuals are under paid, forced to work long hours and make false promises to other unsuspecting fools. It's really up to each person to do their own individual research and there must be a degree of personal accountability. However, it is incomprehensible why a Fortune 500 company would resort to such misleading hiring practices. But then again, the fault should be placed on those gullible enough to not see past the obvious red flags. The office I walked into looked as if it had been set up overnight and just as easily could be taken apart.
I hope that my posting along with the volume of other posts and other websites out there may shed some light on the doubts of those less savvy. Please tread carefully, there are many recruiters out there rubbing their palms waiting for the next sucker, especially in these difficult financial times when jobs are scarce.
A basic understanding of human psychology will reveal that we share a universal emotion: A discomfort at being confronted with evidence of error. We as humans strive to avoid that unpleasant feeling of psychological conflict, what many doctors of the mind call "Cognitive dissonance". This occurs when deeply held beliefs are challenged by conflicting evidence. Instead of accepting facts to the contrary and abandoning false beliefs many would rather adopt an explanation of the facts and evidence that is compatible with what is already believed.
Leon Festinger said it perfectly, "A man with a conviction is a hard man to change. Tell him you disagree and he turns away. Show him facts or figures and he questions your sources. Appeal to logic and he fails to see your point."
To those who wish to continue their pursuit of truth I recommend this fine book: 'un-Spun' finding facts in a world of [disinformation] by Brooks Jackson and Kathleen Hall Jamieson.



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  #22  
Old 03-11-2010, 10:14 AM
BSleuth BSleuth is offline
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AIL Pay Structure

Here is a breakdown of the sheet that I was given at my 2nd interview:
Sales Agents are paid a 40% commission and they will fall into one of 3 pay rates depending on their ALP for the week.
If they clear $1,100 ALP for the week, they can expect to make $560 their first week, $615 their second week and $670 for their 3rd and fourth week. This comes out to a projected monthly total of $2,515.
The bulk of the agent's weekly pay is made up of the Advance on the policies that are written that week, which in this pay tier works out to $330 per week. It's important to note that this figure will be affected in the future by policies that are canceled or that lapse for non payment. In which case the money advanced in prior months will be deducted from the agent's pay check, so the bulk of an agents weekly pay will be affected by policies that are not maintained by the policy holder.
The changes in the weekly pay are due to the 'weekly bonus' which starts out at $55 the first week, then climbs to $110 the second week and then rises and caps out at $165 for the 3rd and 4th week.
Now if a sales agent reaches $2,000 ALP for the week, then he/she could make $875 the first week, $975 the 2nd week and $1,075 the 3rd and 4th week. Their monthly earning are projected at $4,000. Again the weekly pay changes due to the weekly bonus.
In this 2nd pay tier the weekly bonus is $100 the first week, $200 the second and then $300 for the 3rd and 4th week. The weekly advance paid out the the agent is $600. Again keep in mind that this figure will significantly drop if any of the policies are not maintained by the policy holder.
If you happen to be an elite agent, and you eat your lucky charms every morning, and you are privy to the best leads in the office then you may reach the 3rd tier. Those who make $3000 ALP per week are promised a first week paycheck of $1,225, 2nd week $1,375 and $1,525 for the 3rd and 4th week. As the cream of the crop you will be taking home approximately $5,650 per month.
Let us see how much an elite sales agent would make a year. A little over $68,000 per year, not too shabby. Oh, but wait, since the agent is an independent contractor, he/she will be taxed at a higher rate than those regular working stiffs who have taxes taken out every paycheck. I hope the agent has saved up at least $14,000 to pay Uncle Sam his dues. Well, I suppose that roughly $54,000 net isn't too bad.
These number may appeal to those who are accustomed to near minimum wage earnings. These figures on paper look pretty decent, but...
Anybody with real world experience in commission sales will tell you that: It's feast or famine in the industry. Doesn't matter if you sell policies or vacuum cleaners.
Now, let's examine that pay structure again. Those 3 pay tiers are depending on consistently making those ALP markers each and every week for 52 weeks. It's no wonder American Income Life doesn't actually recruit people with experience in sales. They go out of their way to contact job seekers with experience in any other industry whether it be a line cook recently fired from your local Denny's, a recent college grad, or someone naive enough to not question those projections.
Even in a perfect situation where someone miraculously maintains that ALP for a year straight, given the ridiculous hours worked, is it really worth it? Somebody who earns $15 an hour answering phones or performing any general office duty would make more money than these agents when you factor in the overtime they'd be paid for working 60 hours a week! Most of the AIL agents work in excess of 70 hours per week. The lady whom I spoke with yesterday, 'Dee', the alleged RGA/MGA who drives that beat up compact sedan said that they are looking for hard working people who are willing to work at least 60 hours per week minimum!
Factor in the wear and tear on your vehicle, the gas, the lodging, the meals, your cell phone bill (you will have to upgrade to unlimited minutes, data etc if you don't already have it), your dry cleaning (have to wear a suit, have to 'convey' success) all of these expenses are coming out of your own pocket. Oh and don't forget your 'union dues', yes you will be forced to unionize if you wish to work for AIL (Office & Professional Employees International Union), yet you're an 'independent contractor'. But don't worry, it's all tax deductible after all. Right. You better keep track of all those gas receipts, the meals, the hotels and be ready to prove that it's all business related.
I veered off track here, but remember those projections earlier. Anyone who's ever worked commission only sales knows that no two weeks, no two pay periods are alike. So, it is a statistical fact that you will never hit those figures each and every week. This means that if luck smiles on you then you may make 60% of the projected $68,000 per year.
Suddenly $40,000 is the number you're looking at. Again, working ridiculous hours, stressed out beyond belief. And this is a very generous estimate, given today's economy where people are pinching pennies do not bet on even that percentage holding true.
Yes there are successful people working at AIL. Those people have been with the company for years and the bulk of their earnings are residuals from sales agents who are beneath them. The RGA who I met with for 2 hours yesterday illustrated it perfectly on her white board. She drew up a pyramid with the SGA at the top, the RGA's beneath, and beneath them the MGA's. At the bottom of the pyramid were the GA's. Not even represented on this pyramid were the Sales Agents. Why?
It's a numbers game people. With a turnover rate in the mid 90's the SA's are not even factored into their equation. It's a given that every policy you write up will work its way up to be divided among those who came before you.
If you want to step up to the bottom tier of the pyramid you'd better start recruiting and sharpen up your BS skills. Come up with a nice, elaborate story of how you rose through the ranks of this company. You need to become one of them at least in thought, and then maybe if you're a good enough liar then you will be one of them. Otherwise you will fail but don't blame me for not warning you. Their own CEO, Roger Smith said it so eloquently. "We are a recruiting company that just so happens to sell insurance."


Last edited by BSleuth : 03-11-2010 at 10:19 AM.
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  #23  
Old 03-11-2010, 10:44 AM
BSleuth BSleuth is offline
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Don't take my word for it.

Extracted from an article written by Emil Lee (5/2/07) on the website "The Motley Fool". This article is about Warren Buffett's prowess in investing and specifically it highlights why Buffett made a significant investment in AIL's parent company "Torchmark".
Invest in low-cost producers
Buffett is a huge fan of companies that are low-cost producers. As previously mentioned, Berkshire's GEICO has a huge cost advantage because it cuts out the middleman (the insurance agent) and directly sells auto insurance to the policyholder. Some other low-cost producers currently in the Berkshire portfolio are Costco (Nasdaq: COST), Wal-Mart (NYSE: WMT), USG (NYSE: USG), and Shaw Industries.
Torchmark, as a life and health insurer, isn't a pure-play direct-to-consumer writer of insurance. However, in 1999, Torchmark's direct-response business accounted for 24.1% (up from 21.7% in 1997) of life insurance premium income. As one of the fastest-growing segments, the direct response was sure to become a more integral part of Torchmark. In 2006, this segment accounted for 30% of life insurance premium income.
Low expenses are a huge competitive advantage for insurers, allowing them to set competitive policy rates (which contributes to growth) while maintaining underwriting margins (which contributes to profitability).
Torchmark's low expenses help the company earn some of the highest underwriting margins in the industry. Administrative expenses as a percentage of premium income fell to 5.6% in 1999, from 5.9% 1998. Their 1999 10-K states, "Torchmark has long been recognized as a low cost administrator of business... Our noncommission expenses related to new sales on a per policy basis are among the lowest in the industry."
In other words the parent company "Torchmark" is well known for keeping it's expenses on the low side. AIL being a subsidiary is run in an even more frugal manner. You think that as a Sales agent you are this company's priority? You are not even an after thought to them, the company is looking out for it's investors and it's priority is to issue the greatest return per dollar invested. Think about that before jumping on board the S.S. AIL. There are only so many lifeboats and you my friend are riding in 3rd class. Check out the movie Titanic if you don't know what this means, it should be obvious, but then again you're seriously considering joining AIL.

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  #24  
Old 03-11-2010, 10:54 AM
BSleuth BSleuth is offline
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Don't take my word for it.

Extracted from an article written by Emil Lee (5/2/07) on the website "The Motley Fool". This article is about Warren Buffett's prowess in investing and specifically it highlights why Buffett made a significant investment in AIL's parent company "Torchmark".
'Invest in Low Cost Producers'
Buffett is a huge fan of companies that are low-cost producers. As previously mentioned, Berkshire's GEICO has a huge cost advantage because it cuts out the middleman (the insurance agent) and directly sells auto insurance to the policyholder. Some other low-cost producers currently in the Berkshire portfolio are Costco (Nasdaq: COST), Wal-Mart (NYSE: WMT), USG (NYSE: USG), and Shaw Industries.
Torchmark, as a life and health insurer, isn't a pure-play direct-to-consumer writer of insurance. However, in 1999, Torchmark's direct-response business accounted for 24.1% (up from 21.7% in 1997) of life insurance premium income. As one of the fastest-growing segments, the direct response was sure to become a more integral part of Torchmark. In 2006, this segment accounted for 30% of life insurance premium income.
Low expenses are a huge competitive advantage for insurers, allowing them to set competitive policy rates (which contributes to growth) while maintaining underwriting margins (which contributes to profitability).
Torchmark's low expenses help the company earn some of the highest underwriting margins in the industry. Administrative expenses as a percentage of premium income fell to 5.6% in 1999, from 5.9% 1998. Their 1999 10-K states, "Torchmark has long been recognized as a low cost administrator of business... Our noncommission expenses related to new sales on a per policy basis are among the lowest in the industry."
In other words the parent company "Torchmark" is well known for keeping it's expenses on the low side. AIL being a subsidiary is run in an even more frugal manner. You think that as a Sales agent you are this company's priority? You are not even an after thought to them, the company is looking out for it's investors and it's priority is to issue the greatest return per dollar invested. Think about that before jumping on board the S.S. AIL. There are only so many lifeboats and you my friend are riding in 3rd class. Check out the movie Titanic if you don't know what this means, it should be obvious, but then again you're seriously considering joining AIL.

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  #25  
Old 03-12-2010, 03:42 PM
BSleuth BSleuth is offline
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Re: New look on American Income Life - This is NOT

Oh, and a call out to 'baseball fan' who started this thread. It's been two years and still we await that paycheck that you promised to scan. Your silence is deafening.
The company is not a scam, it is all too real. The problem here is their deceptive way of recruiting and the false promises they make. An even bigger problem is the endless pool of poorly educated people out there that respond to their recruiting sessions day after day, week after week. As P.T. Barnum famously said, "A sucker is born every minute."

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  #26  
Old 04-07-2010, 08:41 PM
Kansas city Kansas city is offline
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Re: New look on American Income Life - This is NOT

Wow I can't believe this has been going on for so long. I just completed the most odd interview of my life with American Income in Kansas City today 4/7/2010. I went through the same process as the past victims have reported. The initial phone call that I received was a very generic phone call from a person named Tom with no personality; he did not answer my questions about what the actual job was for he simply said they are needing sales reps and entry level managers and signed me up for an interview time. When I entered the office there were many other people showing up and signing in for their interviews. They pulled each person back one by one for a short interview. The first thing I was told about the company is that they do not put up with lying, cheating, or stealing, which I thought was a very odd thing to say to a candidate who is seeking a professional career. I was asked one question about myself and quickly pushed out of the office to a group presentation that I was deemed "qualified for" (I have no idea how they knew I was qualified after a two minute conversation) I then sat through an hour and a half long presentation with a man that was the regional manager, this man was the epitome of a sleazy salesman. Now for the shocker THE SLEAZY MANAGER PASSED AROUND HIS W-9 TO SHOW EVERYONE THAT HE MAKES OVER $400,000 A YEAR!! In horrible economy with so many hardworking people struggling for work, why would this company be practically talking people into wanting to work for them?? Why would they be waving big amounts of money in front of people who just need to be employed?? Obviously there was something very fishy about this company. After the regional manager was done filling our heads with the following: “You will make at least $60k your first year”, “You were handpicked out of 1200 resumes”, “I drive three very expensive cars took a very expensive vacation thanks to this job”, “We are taking the employees to a Beverly Hills Resort for one week all expense paid” We were then whisked off to another two minute interview. The man who interviewed me asked if I had any questions, he didn’t ask me anything about myself, and then said I’m not supposed to let you know this but unofficially you have the job and we will call you tonight. What!!! I was hired for a job that makes $60,000 a year I am right out of college with no experience and they know nothing about me. That was a joke. I went home and researched the company and found all of the scam reports. Don’t waste your time people, this is so wrong to mislead people the way this company has. I am appalled at the way people take advantage of others.

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  #27  
Old 04-08-2010, 09:31 PM
singlemother singlemother is offline
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Re: New look on American Income Life - This is NOT

this is a scam..... u say that its a career but its a waste of time and paper 4 the resumes u ask 4 ..... if i would have seen this web site i wouldn't have wasted my gas and time ..... what ur doing is taking advantage of the situation that people are jobless...... i had another job interview that was an actual job and a career in sales no scam a real paycheck which would had helped feed my children ...... but no i was fooled to think that you guys actually hired ...... i wasted my time and lost a chance to actually get a job .... you just BS people around ..... by the end of the interview and the crap meeting that you so call career orientation i felt a lil bit more brain damage ..... never again fall 4 this retarted stuff ...... IT IS A SCAM - U MONEY HOGGERS!!!!!!!!!!!!!!!

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  #28  
Old 04-09-2010, 03:21 AM
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LOW-COST-SECURITY LOW-COST-SECURITY is offline
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Re: New look on American Income Life - This is NOT

Interesting,

Having noticed this thread looking for other information, it reminded me of the time in my life when I considered selling insurance and went through almost exactly the same process, but the only difference was it was MetLife, so for those picking apart this AIL process, join the real world, almost all insurance companies operate the same way in recruiting agents.

Simply put, insurance sales is one of the most difficult for most given the nature of hard selling what is technically death insurance, not life insurance. Who wants to deal with death issues? Since it is so difficult to attract agents due to the above, many will use the tactics explained in this thread, and you might be surprised at just how many follow almost the exact same commission schedule.

Chargebacks are what kills almost all agents success and why the industry has such a high attrition rate, or as they refer to it as rollover, probably the same rate as in MLM industry. Remember, most people fail at straight commission sales jobs.

Simply put, insurance industry is tough, and many managers have used the exact same tactics laid out above, but does this mean all insurance company managers will dangle a $400K W-9 in front of prospective agents, not, of course not, but over the years from when I was checking it out, seems little has changed, similar to car sales, nobody likes these industry tactics. lol

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  #29  
Old 04-23-2010, 11:50 AM
guyindallas guyindallas is offline
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Re: New look on American Income Life - This is NOT

***UNBIASED, OBJECTIVE PERSPECTIVE VIEW OF AMERICAN INCOME LIFE***
First, let me state that they are not a scam - to either independent insurance agents or their customers.
I was offered a contract and accepted and stayed with the company for 2-3 weeks. I left because I get a better offer from another insurance company, and not to be snobbih - but clients who are more middle-to-high income.
The training I received was thorough as was the dedication of my manager to field train me. AIL serves a niche market - labor union members, credit union members, and the family members/friends they choose to refer.
Their products on the whole life side are pretty good and their term life products are middle road compared to other companies. They do have some products for seniors, especially ones that are sick that you'd be hard pressed to find anywhere.

Please note that their typical clients are not well-to-do by any stretch of the imagination. So focusing on having something for their final expenses is prudent and pretty much all that most can afford. That is not the fault of AIL, it's just what is. I met with folks that could not afford $30 a month, as well as some seniors who glady would pay $70 a month to ensure there funeral expenses could be covered.

The AIL opportunity like all commissi
on positions is not for the faint of heart. The same types of complaints I see here - I saw as a real estate agent and loan officer who was strictly comissined based. In the world of commission based earnings, you get paid what your worth, unfortunately many people who try it are just not worth that much. It's different than having a paycheck handed to you for showing up - you got to earn your keep in the commission world. If you can't accept that, then DON'T get into commission sales.

Lastly, you can make a living there at AIL. I think it's a good step for someone who has not made a lot of money previously. If you have made six figures or close to it, in my opinion you'll want to deal with a higher caliber type of client.
That's my two cents!

Former AIL Agent
Dallas

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  #30  
Old 05-18-2010, 12:45 PM
KreepyKritter KreepyKritter is offline
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Re: New look on American Income Life - This is NOT

Alright, mine is probably a fairly familiar story. Was contacted today by the 'State Director's' office. A polite and professional young woman informed my wife (I was at work when the call came in) that her boss asked that she contact me for a position. I did my due diligence, and have been researching in my spare moments all day. So, I take my lunch and call them back to see what's what, and who's who. First, it's a 3 and a half hour drive, so if the reports of this 10 minute interview are true, I'm already leery about making that kind of drive for a field agent position with unreliable income potential.

Second, I've been enjoying a salary position for the last 3 years, with annual increases, so I'm leery about commission based sales as well. With my wife going back to school full time, two kids, a car payment, and only one income to support it all, I'm not powerfully inclined to take a leap of faith that I can parlay my experience training people into a lucrative sales career, and put wife, kids, car and rent all on the line in the process. I'm gonna need certain assurances, a salary, benefits, and a compensation package that beats out my current employer.

So, I speak with 'Sheena' (I assume she is the director's secratery or admin assistant or some such). Sheena is curiously tight-lipped about the particulars of the position being offered my way. She calls it a 'Benefits Director' position, but won't give me any of the dirt on specifics of the position. Not sure what that means, but I'm use to the call center industry, where 'Director' is one step down from 'Vice President', so needless to say there was a touch of shock-value there.

I'm at the point in this where I've not been enticed to leave my job, but I'm willing to hear more about the position, at least, find out more about what it actually means, and see if it's either A) worth relocating for or B) I should scratch the whole mess, and sleep in on my day off instead.

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  #31  
Old 05-26-2010, 05:57 AM
mrbiggs007 mrbiggs007 is offline
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Join Date: May 2010
Posts: 9
Re: New look on American Income Life - This is NOT

Dont work for this company. These are crooks in suits(at least the managers can afford them). I'll make it simple for you are you willing to make little or no money for the first year? Are you willing to lie to applicants in interviews, and watch most of them starve to death? Are you willing to hire people that are just not going to make it , but hey you may make some money so who cares if they are on the streets when this is done? Are you willing to lie to your customers and sell them overpriced insurance? IF you are willing to be a heartless bastard like Bob , Dave , Robert , Marice , Adreana and other managers at the Bob Olson Agency of Chicago, then sigh up. If you can make it those first years on nothing and then be a cruel SOB then you have found a Home at AIL. Roger Smith AIL CEO is probably one of the sickest people on this earth. No one has probably hurt more insurance agents in the past 20years then this man.


Last edited by mrbiggs007 : 05-26-2010 at 05:00 PM.
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  #32  
Old 06-01-2010, 04:34 PM
Russ01 Russ01 is offline
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Join Date: Jun 2010
Posts: 1
American Income Life is Not a Scam

While the Life Insurance Business may not be for everyone, I believe it is an injustice that persons who fail at it write a Negative Opinion of any company. I was recruited by AIL years ago and have been highly blessed by this company.

Once you have vested renewals (10 years) you can continue to get paid even when you don't work. I have taken 1.5 years off, plus been injured 2x and taken 6 months off the 1st time and 2.5 months the second, during this time I've never had to worry about my house payment or food on the table due to Vested Renewals.

Show me any other business that you can do that in 10 years!

I am saddended by those whom (sales may not be for) blame the Company or their Manager or someone else... I ask would you succeed in Genetics, why? There is a common thread here.

AIL is an old, established company that has offices in all 50 States of the USA, Canada, Porta Rico, and New Zeland. Wrote $120Mil in new business last year and looks like they will break this record with about $140Mil this year! Gosh wonder where all that money is coming from? Many Grateful Agents like unto myself, something must be working!

They have a lead system to provide agents leads to go work and this has been a great blessing in my life.

My advice is don't blame, make a decision then choose to learn and do.

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  #33  
Old 06-02-2010, 09:47 AM
Thane Thane is offline
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Join Date: Apr 2008
Posts: 13
Re: American Income Life is Not a Scam

Quote:
Originally Posted by Russ01 View Post
While the Life Insurance Business may not be for everyone, I believe it is an injustice that persons who fail at it write a Negative Opinion of any company. I was recruited by AIL years ago and have been highly blessed by this company.

Once you have vested renewals (10 years) you can continue to get paid even when you don't work. I have taken 1.5 years off, plus been injured 2x and taken 6 months off the 1st time and 2.5 months the second, during this time I've never had to worry about my house payment or food on the table due to Vested Renewals.

Show me any other business that you can do that in 10 years!

I am saddended by those whom (sales may not be for) blame the Company or their Manager or someone else... I ask would you succeed in Genetics, why? There is a common thread here.

AIL is an old, established company that has offices in all 50 States of the USA, Canada, Porta Rico, and New Zeland. Wrote $120Mil in new business last year and looks like they will break this record with about $140Mil this year! Gosh wonder where all that money is coming from? Many Grateful Agents like unto myself, something must be working!

They have a lead system to provide agents leads to go work and this has been a great blessing in my life.

My advice is don't blame, make a decision then choose to learn and do.
Well said.

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  #34  
Old 06-04-2010, 02:07 PM
courtneymaee courtneymaee is offline
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Re: New look on American Income Life - This is NOT

Well, this makes my decision a little bit harder. I have an interview with AIL on this coming up monday.. after reading all these comments i dont know whos opinions to go with. unless you have nothing but facts, dont reply, I only want to hear comments from either former or present employees. I really do not know what to do, im under the age of 18 so im curious on why they would contact me

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  #35  
Old 06-04-2010, 02:09 PM
courtneymaee courtneymaee is offline
I am new at Scam.com
 
Join Date: Jun 2010
Posts: 2
Re: New look on American Income Life - This is NOT

Quote:
Originally Posted by mrbiggs007 View Post
Dont work for this company. These are crooks in suits(at least the managers can afford them). I'll make it simple for you are you willing to make little or no money for the first year? Are you willing to lie to applicants in interviews, and watch most of them starve to death? Are you willing to hire people that are just not going to make it , but hey you may make some money so who cares if they are on the streets when this is done? Are you willing to lie to your customers and sell them overpriced insurance? IF you are willing to be a heartless bastard like Bob , Dave , Robert , Marice , Adreana and other managers at the Bob Olson Agency of Chicago, then sigh up. If you can make it those first years on nothing and then be a cruel SOB then you have found a Home at AIL. Roger Smith AIL CEO is probably one of the sickest people on this earth. No one has probably hurt more insurance agents in the past 20years then this man.

Im sorry, there is no need for names, its their job. they make money doing it, so you dont have to post their names online. maybe they dont realize what their doing? and how do you know their scams?

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  #36  
Old 06-07-2010, 08:04 PM
mrbiggs007 mrbiggs007 is offline
Newbie Member
 
Join Date: May 2010
Posts: 9
Re: American Income Life is Not a Scam

Quote:
Originally Posted by Russ01 View Post
While the Life Insurance Business may not be for everyone, I believe it is an injustice that persons who fail at it write a Negative Opinion of any company. I was recruited by AIL years ago and have been highly blessed by this company.

Once you have vested renewals (10 years) you can continue to get paid even when you don't work. I have taken 1.5 years off, plus been injured 2x and taken 6 months off the 1st time and 2.5 months the second, during this time I've never had to worry about my house payment or food on the table due to Vested Renewals.

Show me any other business that you can do that in 10 years!

I am saddended by those whom (sales may not be for) blame the Company or their Manager or someone else... I ask would you succeed in Genetics, why? There is a common thread here.

AIL is an old, established company that has offices in all 50 States of the USA, Canada, Porta Rico, and New Zeland. Wrote $120Mil in new business last year and looks like they will break this record with about $140Mil this year! Gosh wonder where all that money is coming from? Many Grateful Agents like unto myself, something must be working!

They have a lead system to provide agents leads to go work and this has been a great blessing in my life.

My advice is don't blame, make a decision then choose to learn and do.
Hey I get it you worked at AIL for what 10 years, put in some 80 hr work weeks, and maybe even made yourself 50-60k in a great year. So, now that happy time is over, maybe we can focus on reality. This company does not give one drop of sweat off a cows butt, if someone who work's there can make a living off AIL. They mass hire agents to the max. Bottom line my friend there are companies with one third the agents of AIL with the same production numbers. I understand why you feel the way you feel. However, this company treats it's agent's like sheep dung.



Last edited by mrbiggs007 : 06-07-2010 at 08:07 PM.
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