I have worked for AIL for over 4 years.The general policy of this company is to recruit sales agents to push the over priced, small amounts of insurance to the non-educated,working class,single parent home, rural, urban families.
My boss used to refer to certain clients as ghetto, and white trash that didnt know anything about life insurance, so they will buy anything, "its all about the presentation". The office that I work for will lie to clients to get banking information so the agency can get paid. We have and will tell clients that we will not draft their accts. until they call back, but once the client signs the bank auth.form we do send it in to home office to be drafted the for the date it was signed from the client,even tho we did verbally assure the client that we will not draft.
The office that I work for will pay intial payments and also pay for the clients policy to be reinstated(put back on the books)in order for the agency to be paid. Basically AIL targets low income families and union workers with the promise of free child safe kits, or no cost benefits thru the unions, and in actuality we are there to sell over priced insurance. Also we buy resumes from careerbuilder and monster jobs in order to call job applicants. The applicants are promised free training, free leads and resources.
Once they have paid for class $120, paid and passed the state exam $150+, we then charge WEEKLY $120+ for the free leads and appointments set. Overall a rip off.
And the overall understanding of all agencys is that is we can get 1 recruit to sell our insurance to 2-5 people we have made a profit.After that they can quit..So good luck to anyone involved with AIL.