American Income Life - American Income Life is a scam!!
- by Jason11 Oct 11, 2008
- Review #: 139009
| Company | American Income Life |
| Product / Service | Life Insurance |
| Category | Auto Insurance |
| Views | 3519 |
$2
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 *** 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 *** 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. if you have any questions at all about two-faced marcus smith and this company, PLEASE, DO NOT HESITATE TO ASK!! MY E-MAIL IS JPKING11@YAHOO.COM.
God bless all of you!!
2fa7ebb
2 days ago
They asked if I could come in Tuesday, Wednesday, or Thursday. So I decided to come in on Thursday so that I could do some more research on the company as something didn't seem right. When I did a little bit of research, everything basically said that the job available was just sales. I have never done sales (nor was it listed on my resume), so I decided to call them back to verify that I wasn't going there for a sales job.
When I called on Tuesday, they ensured me that while sales was an opening, there were other opportunities other than sales that I could be an option for. I decided that I should give them a shot. I figured the worst that happens is that I get some practice doing an interview.
Thursday came and I get there 10 minutes before my interview. I notice there are about 20 other people in suits waiting to be interviewed as well. They are calling people back every couple of minutes. Eventually I get called back and am told that I have to fill out a personality test to see if I fit and they will give some type of presentation.
I decided against walking out at that moment because it would be unprofessional and I wanted to see how interesting this could... Show more
May 15
Recently I applied for an office manager position that I found posted on craigslist (that should have been my first warning)but I applied, I got a call yesterday and the lady sounded like she was really into me and we set up an interview for in Minneapolis, after getting off the phone with her I noticed she hadn't told me the company she was calling from. So again, my cousin and I did a little research and plugged the address and telephone number into google and found that it too was for this AIL company. my gut was telling me something wasn't right, so I called immediately and canceled the interview just saying I'd been offered a different position. I've been doing a little more research today and I'm so disgusted by the reviews I've seen for this place. But I'm so thankful I went with my gut and researched the company before any of this could happen to me. I'm sorry for those who have fallen for it, but I... Show more
2 days ago from Hudson, Wisconsin
May 12 from Palm Beach, Florida
I've got better things to do with my time.
Apr 29 from Tulsa, Oklahoma
I am currently making about 6500 per month, and that is with little effort. The products sell themselves.
I was in the medical field for 18 years before this and I don't consider myself a sales person.
I do work for money and plan to work harder. I am on track to make 100K in my first 12 months.
As far as what it cost me to get started it was $80 for my online class (which has been lowered to $45), $45 to take my test (which I passed the first time) and $70 for my actual license.
This is a business opportunity in sales and its not for everyone.
AIL takes really good care of its clients. Its really not fair to post that it is a scam.
I guess as long as sales jobs exist, so will posts such as these.
Apr 29 from Cleveland, Ohio
Apr 10
Apr 09
Mar 18 from Providence, Rhode Island
To start from the beginning, yes, this is a sales job. One with huge potential and the possibility for easy advancement to management. However, if you have NOT worked sales before, than the commission part may be new. You get paid by what you produce. Personally, I like this. In an hourly pay rate, I get the same, no matter if I work harder than the person next to me or not. Commission is great, because if I want to earn more, I can. Second, yes, you need a state license to be an insurance agent. That is decided by the local and federal government. You will need to take a pre license course but the test is not overly difficult. In fact, in my class of 10 students, 8 passed the first time and the other 2, on the second try.
This opportunity came to me because I replied to a post on CL. At first, I was a bit skeptical, because, let's face it, 99% of what is out there, is BS.
After my first interview, I too, much like all of you, looked at all of the negative posts online. However, after reading most of them, I realized that most of them were written by people who just did not understand sales and the 1099 type of job.
I passed my exam, went thru training and am a part of a fantastic team. I am so happy that I did not let these posts scare me. If you really want to explore... Show more
Mar 18 from Ashburn, Virginia
Mar 19 from Providence, Rhode Island
As for the stats on the average income, google the average income of a realtor or real estate agent. Their yearly fees are much higher and they too, pay for all of their own gas, computer, miles, software, continuing education, etc....again, this is a 1099 job, meaning, you own your own business and write off accordingly.
Mar 19
AIL is expert in not telling the truth and spinning the truth, to agents in recruiting, to appointment setting practices, and finally in presentations to prospective customers. The results are the same, agent turnover, cancelled or no-show appointments, lapsed and cancelled policies.
Feb 14 from Los Angeles, California
I got a call from American Income and they found me on Career Builder. I always look for companies and websites and what people are saying about it and if they are a scam. I mean usually if you are not excellent at the job you have done people are not really going to be looking for you and offering you a job( specially in this economy), in my opinion. When I Googled the name the second link was a American Income Scam. It only makes sense to look into what you are getting into before you spend you valuable resources( Gas, time, and money). If it sounds too good to be true it probably is!! Find some dirt! Once again thank all of you that help us realize the scams or lack of job information available, you efforts were not a waste because you might helped someone in a worst position thank you and it is out duty to pay it forward!
Apr 09
Feb 02
May 16 from Lexington, Kentucky
Feb 02
In the initial interview, you're told a base salary of $175 per week is yours for your cell phone bill and your gas money. However, $175 is a draw and can be taken back from you. So the job is a contract, commission only job but they won't tell you that up front.
You are also told you will be paid every week. Your first pay is in 4 weeks after you start and learn a 5 page script word-for-word. If you do not learn the script word-for-word, you will not be allowed to sell and you are asked repeatedly to recite the script. Most sales jobs may give you a script but it's more about product knowledge and you will not be kept from selling if a long, drawn out script, pages of it isn't memorized.
The information given to you after hire reveals the $175 per week is only paid "if" you make a sale; otherwise you are using all your resources to drive everywhere and hope you make a sale.
Here is an excerpt from an email from previous employee of AIL who is trying to recruit me; this is all his word-for-word except my name:
Dear XXXX,
Are you feeling like your current insurance agency manager mislead or just flat out lied to you about their business model, advancement opportunities, expenses... Show more
Mar 18 from Providence, Rhode Island
This is a real opportunity. How do I know? I am doing very well with the agency I work for in RI. A great team and fully supportive.
Jan 28 from Cleveland, Ohio
Dec 07, 2012
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