American Income Life - American Income Life (AIL)
- by Anonymous Jan 20, 2011
- Review #: 217284
American Income Life
1200 Wooded Acres Drive
76710
Waco TX
(254) 761-6400
| Company | American Income Life |
| Location | Charlotte, North Carolina |
| Category | Auto Insurance |
| Views | 244 |
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 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 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 and monster jobs in order to call job applicants,. The applicants are promised free training, and resources,.
Once they have paid for class $120, paid and passed the state exam $150+, we then charge WEEKLY $120+ for the 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. 313b1b6
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20
of 21 comments
MaryL.
Sep 14, 2012
No.1) A "sales" position is a "customer service" position. "Customer service" is exactly what it refers to, servicing customers/potential customers. From someone who has been in "customer service" for almost 30 years. A "CSR" is a "Customer Service Representative". Also as a former "CSR", I will tell you that as a "CSR" you ARE in sales because you are required to up-sell your customers for the new and better opportunities that the company offers. So IF you have been in "customer service" for however many years you say you have, you have been in sales. If you knew what a "CSR" was to begin with, you would know that it includes sells. I know some people from Weslaco, TX. Is there something in the water?
WishUponaStar
Jan 10, 2012
FormerAILemployee
Dec 14, 2011
Michelle Depew
Sep 21, 2011
Just me
Sep 08, 2011
Did it say "customer Service" or CSR??? Just wondering, the two are different. ;)
Ann R.
Aug 16, 2011
AIL Supervising Agent
Jul 16, 2011
outback
Jun 23, 2011
Linda
Jun 16, 2011
JHill
Apr 21, 2011
dani13
Apr 18, 2011
from a company that was looking to fill positions in Admin Assist; Customer
Service; Data Entry; et cetera. I entered my info since Customer Service was what
I was looking for. Got a call Tuesday to come in Wednesday. Sat in their reception
area waiting longer than I was interviewed which didn't promise much in the way
of information. Advised there would be a a group session; 2 1/2 hours listening to
talk about earning potential in selling insurance after which I would talk to another
person. But nothing was said about the position I was really interested in (CSR).
When the interviewer asked if I would feel comfortable talking to people in their
homes, I smiled at him, advised him I was a trained professional in customer
service, and told him he had wasted his time and mine. And left.
Out of curiosity, I checked the internet and found this site. It pretty much tells the
same story. I'm not interested in sales. I was interested in the position I found on
Monster.com. Considering what I've read (more cons than pros) I won't be working
for AIL.
To those who say all insurance is sales, not true. I've worked for two insurance
companies when upper echelon decisions... Show more
dani13
Apr 18, 2011
To those who say all insurance is sales, not true. I've worked for two insurance companies when upper echelon decisions put me out of work. There are other positions within a legitimate insurance company that are salaried positions: underwriters, coders, claims examiners, claims data processors, claims adjusters, auditing, etc. Without these positions, an insurance company couldn't stay in business for very long on sales alone. They have to provide the customer service that comes with each policy sold.
Angel2684
Apr 14, 2011
It is very disappointing because Im a hard worker new to the city looking for a good job companies like this make it hard for hard,honest workers!
Michelle
Mar 31, 2011
Any job that is too Good to be true, then follow your instincts and run for the hills! At the end of the day, I will continue to pursue my License for Life and Health.
Michelle
Mar 31, 2011
Any job that is too Good to be true, then follow your instincts and run for the hills!
Anonymous
Mar 10, 2011
To those who say all insurance is sales, not true. I've worked for two insurance companies when upper echelon decisions put me out of work. There are other positions within a legitimate insurance company that are salaried positions: underwriters, coders, claims examiners, claims data processors, claims adjusters, auditing, etc. Without these positions, an insurance company couldn't stay in business for very long on sales alone. They have to provide the customer service that comes with each... Show more
Brian
Mar 09, 2011
Ray
Feb 05, 2011
Yea the hours are a pain in the ***. And the "admin fee's i keep hearing people complain about, yea dumbasses it was for your TEMPORARY LICEMSE, no license=no sales. no sales=no money. smh.
honestly ppl need to stop whinning for real, i mean if you had a problem with the company you should've said no up front, my MGA was very blunt with me "CONISSION ONLY & LONG HOURS".
I will say this, yes some of the tactics we use to get in the door, ehh not the best but this is sales, its not about lying, its about making your TRUTH's sound like it was a god send. You dont like it, well you can go back to the corner of self-rightous, morality you came from. Any type of salesman use some kind of tactic, wwether it be a car salesman or jus plain 'ol Mickey D's sales is about your appeal.
Thats all i gotta say bout that.
someone
Feb 04, 2011
John
Jan 27, 2011
Showing 1-20 of 21 comments
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