comment to review:

Sensitive Product, Infuriating Lack of Service

Norton Antivirus #991987
I don't tweet.
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Corwin Kaw
#992787
Sorry, could you provide the case reference number for the call you made? We'll take a look into the case details.
Thanks
Harini
Norton Support
comment to review:

American Income Life Insurance The Real Story

American Income Life #798728
You are correct, AIL has the worst agent contract in the industry. They also have the worst training which leads to the highest agent turnover in the industry and the worst policy retention in the industry. None of these facts are disclosed during recruiting.
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comment to review:

American Income Life is a scam!!

American Income Life #782634
I understand the importance of hydration, but lay off the Koolaid . AIL has the worst contract in the industry, 50% for agents, 57.5% for a GA. I am cotracted with dozens of carriers an my agents receive commissions between 70% and 105% with renewals 100% vested from day 1 for either 10 years or life depending on the carrier. It is obvious that you have no industry knowledge and can only regurgitate what AIL has indoctrinated you with. AIL reporting admits that their average compensation for an agent that remains 12 months is around $45000, before expenses, car, cell, computer, internet, travel, etc.
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comment to review:

American Income Life Scam

American Income Life #779606
So by your analysis, the 95% of newly contracted agents that leave within 6 months and the 98% of newly contracted agents that leave within 12 months do not have a work ethic. The "proven system" you refer to is a sham, AIL obviously has no system to identify talent, no system to train talent, and no system to retain talent. Your renewal claims are impressive but wrong. Due to the advancing system used by AIL it is mathematically impossible to receive clear renewals in less than 8 months. Considering the awful policy retention at AIL, almost no one receives clear renewals in less than 3 years. Clearly, you do not comprehend the arithmetic of you contract. Your weekly compensation claims are equally impressive, it appears you will exceed the compensation of AIL's agent of the year for 2013. Truly impressive for a rookie.
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Anonymous
#781922
preach you couldn't have said it better. i definitely agree
comment to review:

Brainwashed and stole my future

American Income Life #752160
Your claim that this site is a small sample is nonsense. On this site there are 161 threads with several thousand entries, not a small sample. Your assumption that posters could not make it in sales or AIL is unfounded, I was very successful at AIL and every other sales and management position I have occupied but could not stomach the constant stream of lies from Roger Smith, Scott Smith, and the other corporate execs at AIL.

It also seems that AIL wants to hold both sides of this position, during recruiting AIL claims to have a system to make successful agents, and when 95% of recruits terminate within 6 months and 98% with 1 year AIL blames the recruits instead of admitting their system does not work, AIL has no system that identifies potential recruits, no system to successfully train recruits, and no system to promote the success of recruits. Therefore their entire recruiting system is a scam, a fraud. AIL claims are entirely false and are proven false by their own data.
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comment to review:

Look up your favorite company

American Income Life #730819
Nonsense. Apple, or Walmart don't have 98% of their employees or customers dissatisfied ond leaving. AIL is a classic financial scam, over promising and under delivering. That is why there are thousands of negative posts on AIL on this and similar sites. These posts are similar and widely disseminated through AIL operations. It is evident that these practices are systemic and not isolated.
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comment to review:

American Income Life Scam

American Income Life #719647
AIL uses its own unique persistency calculation not used by any other insurance company. The calculation used by all other carriers is the same as AIL 13 month retention. AIL's 13 month retention is less than 60%. Next agents recruited, licensed, appointed by AIL and coded with a sale, turnover at a 95% rate within 6 months and 98% within 12 months. During recruiting the presentation insinuates that they have a system to make recruits successful, nothing could be further from the truth and you admit that AIL has no clue what the formula for success is or who is a fit with that nonexistent formula. Roger and Scott may be ambitious but they also lack integrity and honesty.
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comment to review:

American Income Life

American Income Life #717252
Yes, I was contracted with AIL for over 6 years. Long enough to analyze the changes in the agent contracts and predict the institutionalized agent turnover for profit. I was there long enough to see the change from AIL as an insurance company to AIL as, Roger Smith's words, a "recruiting company". I was there long enough to see bonus plans and financial penalties for the SGAs and MGAs that assure agent turnover. I was there long enough to see the agent turnover devastate agent training, trainers with less than 1 year of experience training new recruits. I was there long enough to see these changes destroy policy persistence. I was there long enough to have both Smiths and Falvo lie to me numerous times. So yes I have very good knowledge of AIL and will counter AIL propoganda spewed by KoolAid drinking AIL supporters with the true facts, none of which you can refute. So you can track me all you want, perhaps you will learn something.
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comment to review:

American Income Life

American Income Life #717046
What dribble. Typical AIL recruit, no industry knowledge, no AIL knowledge, and filled with enough Koolaid to deny all facts that don't jibe with your delusion. AIL has the worst contract in the industry, the worst training in the industry, leading to the worst turnover in the industry 95% within 6 months and 98% within 1 year. The poorly trained, poorly retained staff results in the worst policy persistence in the industry. The earnings claims made by recruiters are proven false by AIL financial statements and company disclosures. Agents are required to join a union and pay dues but never see a union representative
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Dailen Wxx
#717146
here we go again wghh... dont think im not tracking everything u put on here blah blah blah. just because u decided to leave the company u have to knock every single person on here that writes something good. funny in most of your comments when u explained yourself it sounds like u probably worked here for a decent number of years. so it must of been good at one time and then went bad for u!!! so now u knock it smh at u
comment to review:

American Insurance Life Scam Using Kids

American Income Life #712705
You are an excellent recruit candidate, you have little industry knowledge and absolutely refuse to admit that AIL has the worst agent contract in the industry which results in a 95% agent termination within 6 months 98% within 1 year. One of the reasons for this extreme turnover is that AIL presents the position as working for yourself and then proceeds to violate most of the independent contractor criteria by specifically directing you time and work methodology. You discuss "helping someone by introducing them to a product", nice rhetoric the reality is high pressure sales by inadequately trained agents that result in the worst sales persistence in the industry. Finally, you reference money earning potential, AIL official financial statements and approved public statements demonstrate that the average AIL agent earns dramatically less than statements made during recruiting. This pattern of luring recruits with exaggerated earning claims is expressed frequently throughout the hundreds of posts on this and other discussion sites. These negative comments are widely dispersed geographically and between agencies demonstrating a pattern of deception in pervasive in AIL. Apparently you choose to ignore all of this. Welcome to AIL.
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comment to review:

WHEN THIS COMPANY CALLS SAY NO!!

American Income Life #701631
I'm not stretching anything, you are disputing Torchmark numbers verified by an independent auditing firm using FASB amd SEC standards and attested to by Torchmark executives under penalty of criminal sanctions. If the numbers are exaggerated as you imply, criminal behavior is taking place. If the numbers are correct (more probable) AIL has a terrible business model for the agent.
As to the contract, I am contracted with over 100 carriers, my agents receive base commissions from 70% to 105% depending on the carrier. All of the carriers have renewals for either 10 years or life depending on the carrier, guaranteed from policy placement. I have final expense agents from other carriers come to to me with large policies or hard to approve policies on a 1 time basis. They receive the agent commissions as stated and the renewals for 10 years or life guaranteed, no silly vesting schedule designed with agent turnover to roll up agent renewals to corporate.
Finally, you mentioned that you have an 80% retention with AIL over the last 5 years, excellent for AIL. Understand that AIL uses a 4 month retention number, policies issued and remaining inforce after 4 months. Most
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Dailen Wxx
#702280
again not reding 80% over 5 years... 90% 13 month...
comment to review:

WHEN THIS COMPANY CALLS SAY NO!!

American Income Life #701226
Let us address all of the bogus numbers floating around this post. First Joey, your numbers are projections which have no basis in fact, we know 98% of all new agents are unable to meet those numbers because they terminate within the year. We also know from AIL financial press releases that the average agent that stays 12 consecutive months earns $47000 including commissions bonuses and renewals, as that includes veteran agents managers and SGAs that number shows there is virtually no chance for a new agent to meet your projections.

Next Macker, AIL has approximately 75 SGAs and if each has 4 MGAs that totals 375 non-producing agents which will change my calculation be about 8% upwards. The auditors will not include a grossly inflated number aywher within the financial statements as it violates FASB, SEC, and numerous other regulations.

And again Macker the SGAs are charged a portion of any bonuses paid within their agency against hteir renewal ledger account (back end).

We know that 95% of all new agents leave within 6 months, 98% with in 1 year. We know that agents pay hundreds of dollars annually in union dues and almost no agent has se
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Dailen Wxx
#701343
so u mean to tell me bud that all 4900 agents r out in a single week?? including all the new agents...and all veteran agents?? ok that makes sense?? just out of curiosity how many sga's r there in michigan?? how many in new zealand? canada??? how bout ireland??? how many ga's out on a full time basis bud??? hmmm??oh and veteran agents r considered people who stay over 1 year...oh and i looked up your number 1st years that stay a whole year make btwwen 47-5**** so i will give u that...the worst contract??? really u sure??? ive checked with friends that work for other compnies... bout 8 or 9 different ones to b exact and they dont have life time renewals just sayin...and guess what??? i got a 90% retention and 80% retention over the last 5 years... and yes i know how to calculate it cause i understand the ledger statements pages i get... I AM NOT SAYING THAT EVERYTHING U R SAYIN IS WRONG.. I AM ACCUSING U OF STRETCHING THE TRUTH... so what is your story?? r u with the company or have u left?? cause if u r still with the company u r sure talkin a lot of trash bout your company!!! i have asked u this already i believe and u still havent answered it??? what level r or were u at???
comment to review:

WHEN THIS COMPANY CALLS SAY NO!!

American Income Life #699335
Of course your reply is nonsense. The agent count reported to the SEC is inflated??? Are you really claiming that Torchmark executives and their independent auditors are presenting inflated numbers? Next AIL has made other financial press releases stating that the average AIL agent that stays 12 consecutive month earns $47000 in that period, that includes veteran agents renewals and bonuses. That is why 95% of all new agents leave within 6 months 98% within 1 year.
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comment to review:

WHEN THIS COMPANY CALLS SAY NO!!

American Income Life #699008
I am not aware that anyone including the SGA has worked the Michigan office for 12 years. Now as to your your agreement with Joey, the convenient math that Joey uses is a lie. AIL 2nd quarter results reported to the SEC are $4100**** net life sales from 5540 agents or $7401 in net life sales per agent for the 13 weeks in the quarter or $569 in weekly life sales. At a 50% commission rate that is $285 in commission and with a 65% advance that is an advance check of $185 weekly. Opportunity Unlimited
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Dailen Wxx
#699300
oh and wghholtrad, his numbers r correct if u do the math bud... if u r hitting the numbers he is talking about then u will make those numbers...I AM NOT ON HERE SAYING EVERY PERSON HITS THOSE NUMBERS CAUSE THEY DEFINATLY DONT... BUT WHEN U DO HIT THOSE NUMBERS THAT IS THE MONEY U MAKE.. standard is 2200 alp per week. 50% commision brings 1100. 65% advance is approx 750. with weekly bonus at 15% on 2200 being 333 that is a 1083 paycheck.. not his numbers, company standard numbers. hey u can always go work for aaa and make 30,000 a year sit in an office all day if thats what u want...just curious u know so much about ail michigan , do u work with the company?? and if so i have pretty much revealed who i am...and if u do why u bad mouthing so much??
comment to review:

Worker screwed over. Don't trust this company

American Income Life #698285
SGAs participate in bonuses to agents. You clearly don't have a good knowledge of AIL. Many SGAs have appointment setters paid cash and not reported for taxes.
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Anonymous
#723120
SGAs 'participate' in bonuses to agents as we 'participate' in paying taxes. They should and do and if they do not (I'm not talking about when an agent falls below his retention or NTG(Net-to-gross) and lose their bonuses) I'm talking about when they're eligible - qualified and have met all expectations before receiving a bonus and are not getting them) then there are massive repercussions, not to mention the SGA doesn't typically handle bonuses directly. They're paid by home-office into each agents account and the bonuses are taken from the SGAs via same method. The SGA wouldn't typically just write a check to each agent. So I'm not really sure what you're talking about.

comment to review:

American Insurance Life Scam Using Kids

American Income Life #698283
Child safe kits are a good product unethically used by AIL agents. When setting appointments using any device (child safety kits, ADD certificates, or Prescription discount cards) the actual purpose of the appointment (a proposal for life insurance) is required by most State Insurance Commissioners.
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Anonymous
#712380
I interviewed at AIL today and if I am called back am strongly considering it. All the "lie" and "misuse" comments out here seem to be backed up with misconception about what an insurance Agent is- a contractor working for himself. The kits are a great Segway to help people understand the philanthropic part of the company and a free to you gift at that. :zzz

I liked what I heard and may just go for it. Can you help someone by introducing them to a product they never considered or knew they might need? Yes! Can you make good money doing at as a contractor working for yourself? Yes!

A win/win I say!
comment to review:

AIL FAN CLUB

American Income Life #698277
AIL has an accident indemnity policy which they package with their life insurance policy, most agents do not differentiate between the policies during the presentation.
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comment to review:

Life Insurance Policy

American Income Life #690866
Your comments show that you drank all the AIL koolaid. The terminal illness rider is on every AIL policy and does not need to be added as it was a general policy change approved by the Insurance Commissioners Office. This is one of the many deceitful methods that is used in training AIL agents to set and justify appointments, for instance the health services discount card is renewable by mail or online, no agent is required. The National Association of Insurance Commissioners states that when setting appointments the true scope and nature for the appointment must be disclosed including disclosing that a insurance sales presentation is intended.
Even though you have only been with AIL for 60 days, you know that proper disclosure is not made by AIL agents. For your information, the ADD coverage is effective for the group members whether the certificate is delivered or not. Most of the training you receive is wrong, most other insurance providers have ethics policies to prevent this behavior. Trainers at AIL generally have less than 1 year with the company, because 95% of all new agents terminate with in 6 months and 98% within 1 year (the highest turnover in the indust
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comment to review:

American Income Life tries to hide its reputation

American Income Life #668174
AIL is suing Google in an attempt to force Google to change the way it ranks negative postings about AIL. Most informed court observers have opined that AIL will loss that suit, however you are correct the AIL is trying to obscure it's terrible reputation. When I was there AIL paid ripoff,com a large amount of money to stop posting negative comments.
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comment to review:

American Income Life Scam

American Income Life #666221
Typical AIL nonsense. Here is why AIL is a scam, it has the worst contract in the industry, the worst agent turnover in the indutry (95% in 6 mos., 98% in 12 mos.), the worst policy persistence inthe industry (less than 60% for 13 mos.). In addition to this littany of worsts, AIL has a very high cost of insurance. To summarize, at AIL agents don't last, and policies don't last because both the recruiting process and the sales process are filled with inaccuracies and misrepresentations, when the truth becomes known they leave or cancel. I was there for more than 6 years and have been lied to by all the corporate executives.
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Anonymous
#719546
Incorrect!! Your numbers are way off pal. Company-wide AIL's 13 month policy persistency is currently 78.2%, up 0.8% from fiscal year 2012 thus far. Richard Meshulam is a genius and has increased persistency and retention fluidly since his appointment in 2007. Secondly, LICENSED agent retention (which is all that matters) is 23% 6 months, and 11% 12 months. You're right that AIL has traditionally been lower than the industry as a whole, but we're talking about a couple of percentage points and THAT'S only because of the sheer volume of recruiting. Roger and Scott are ambitious and we push recruiting to the max, sorry. Insurance sales is a tough position and requires the right personality, problem is, you never know where that personality will come from, we invite EVERYBODY in, no exceptions.
comment to review:

AIL is a SCAM

American Income Life #665700
Amazingly ***. AIL was not licensed to do business in New York on 09/11/2001and therefore had no exposure. Next, life insurance does not have a terrorism exclusion, only accident policies have that exclusion. Back away from the KoolAid for a while , take a breath and do some homework.
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Anonymous
#784683
Thanks. I almost bought it. But I won't spend a dime unless I'm in control of the books. I tried calling them back to ask a few questions. I was hung up on 3 times in row before I could say hello. They're interested in me? Hmmmm....funny way of showing it.
comment to review:

Total scam

American Income Life #658899
Typical AILer ignorance. I know many agents and managers who left AIL due the organizations lack of ethics. I made 5 conventions, dozens of awards, and numerous mentions and articles in Spotlight. Nothing replaces the lack of trust in the executives. Now you mention other companies, your ignorance is on full display. I am contracted with over 100 carriers, my agents receive commissions between 70% and 105% depending on the specific carrier, renewals are guaranteed from day 1 for either 10 years or policy life depending on the carrier. If a policy lapses within the first year there is a commission chargeback (partial or full depending on the length of payment). AIL has the worst agent contract in the industry, the worst policy persistence in the industry, and the worst agent turnover in the industry. This is not coincidence as AIL confiscates the balance of first year commissions and renewals when agents leave, AIL financially benefits from turnover. That is why 98% of newly contracted agents leave within 1 year. That is why AIL agents have so little industry and product knowledge. AIL policy persistence is less than 60% for 13 months, most of my best carriers have a 95% t...
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comment to review:

The good, bad, and the ugly...

American Income Life #634966
Roger Smith is the CEO of AIL. During my first meeting with him, years ago, he told a group of us how he would fake tobacco and drug tests for clients when he was an agent during the 70s. Don't deceive yourself into believing that many AIL agents aren't instructed on ways to game the system. Most insurance carriers will insure nicotine users using appropriate nicotine rates. The agent's responsibility s to accurately report the information from the client interview.
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comment to review:

Unauthorized Bank Withdrawl

American Income Life #634511
A few years ago, a top AIL agent had their agent contract terminated for selling the discount card and enrolling clients in life insurance without their understanding. Regardless of the details this person clearly has no intent to purchase life insurance, either the account number was stolen or the agent responsible was unclear to the point of being negligent.
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comment to review:

AIL American Income Life IS A SCAM.

American Income Life #630679
AIL Corporate has stated that average income for an agent (not just first year agents) who is contracted for 12 consecutive months is $47000 gross (claiming any more is misleading) before car expense, phone expense, computer expense, travel expense, self-employment taxes, etc. Therefore the average AIL agent nets less than $35000 annually. When the hours worked are considered the result is often around $10 per hour. You also demean the poster for not understanding the program, the program is a rudimentary needs assessment required by the Insurance Commissioner in many States. 95% of all AIL recruits terminate within 6 months, 98% within 1 year. AIL has the worst contract in the industry, the worst agent retention in the industry, and the worst policy persistence in the industry. These worsts are all resultant of recruiters with incorrect information and/or bad ethics, trainers with little industry knowledge and little product understanding to convey, and an entire corporate management committed to recruiting instead of competing in the life insurance industry. Finally, many insurance carriers offer policies that provide much better coverage for far less premium. Your lack of industry knowledge is showing.
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Anonymous
#631002
I would have to agree that because of the high expansion goals of the company, quantity has taken precedence over quality WHEN IT COMES TO OUR PEOPLE NOT OUR PRODUCTS. When it comes to our products, quality is relative and dependent on individual needs and wants. Each life insurance company has different products and different underwriting. Does the term "better coverage" mean more coverage? Because you can absolutely get a lot of term coverage from a lot of other companies for a much lower premium than we can offer. BUT. That coverage will typically not be convertible. That coverage will typically have exclusions. That coverage will not pay out immediately. Which means it does not protect a person's long term needs, does not take into account their future health concerns, and it does not pay out in time for a funeral. We also have waiver of premiums designed for the working class, and we check on our clients annually so that they understand their coverage. When it comes to our people, I will use the words of a highly successful RGA "Quantity brings quality." Meaning that if you bring in enough people, you'll eventually bring in enough of the right people. You can go h...
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comment to review:

American Income Life is a scam!!

American Income Life #625178
Let me be clear, AIL has the worst contract in the industry. I deal with many carriers and my agents receive starting contracts from 70% to 105% depending in the carrier. Ail has the worst turnover in the industry 95% within 6 months 98% within 1 year. AIL has the worst persistence in the industry, less than 60% for 13 months. Many of my carriers have a 90% persistence for 5 years. Understand the information provided here, the extreme turnover is a result of bad information provided by AIL during recruiting. AIL makes exaggerated earnings claims, look at how many posters reference ads claiming $80,000 or $60,000 first year earnings that AIL by their own disclosures know to be completely false. Many posters refer to the position as a "job" and AIL as an "employer", they do not have a clear understanding of the 1099, independent contractor relationship. This stems from AIL illegally requiring adherence to a particular schedule, attendance at meetings,even particular training. Agents post of being "fired", how can a non-employee be fired? How can a non-employee be required to join the Office and Professional Employees Union?

AIL is expert in not telling the tr
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comment to review:

AIL American Income Life IS A SCAM.

American Income Life #624782
You should take a copy of the ad on Craigslist and submit it to the Federal Trade Commission for fraudulent recruiting practices as Torchmark, parent to AIL, stated in a financial release through the SEC that the average agent who remained with AIL for 12 months gross earnings of $47000 prior to paying phone expenses, car expenses, computer expenses, travel expenses,internet expenses, etc., for that period. That is not first year agents, that is any agent who remained for 12 consecutive months. They know that first year earnings number to be a lie.
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comment to review:

American Income Life is a scam!!

American Income Life #624617
The question is whether it was disclosed as an independent contractor, commissioned, sales position during recruiting. From this site and dozens of other sites with thousands of submissions, it is clear that those disclosures are not made. Further, it is clear that gross exaggeration is made of the earning potential. Torchmark has disclosed in financial releases through the SEC that the average agent (not just first year) that stays 12 months earns gross commissions of $47,000 before paying their expenses for cell phones, car expenses, travel expenses, computer expenses, internet expenses, etc. That means the average agent that stays for 12 months exists just above the poverty level. The recruiting process also fails to disclose that 95% of newly contracted agents leave within 6 months, 98% within 1 year. Truly Opportunity Unlimited!
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Anonymous
#625150
It, from the very beginning, was disclosed as a 100% 1099 job. There are several independant agenecies, each with different managers. I can not speak for everyone else's experience, but mine has been nothing like what is described here. Yes, there is work, and yes, there is turnover, as with ANY sales or team building job, but as for the potential, this is a top notch opportunity, just maybe not for everyone.

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.
comment to review:

American Income Welch Agency

American Income Life #616199
What does "building an agency" mean. AIL issued a press release where they stated that the average agent that remained contracted for 12 months earned gross $47,000 in that period. That is not first year earnings, that is any agent's average earnings. That is gross earnings before paying car expenses, computer expenses, internet expenses, cell phone expenses, travel expenses, and self employment taxes. On average that places most agents below the poverty level. Opportunity Unlimited.
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Nathaniel Noy
#644997
what "building an agency" means is multilevel marketing
comment to review:

Wow

American Income Life #607905
I'm not clear, when they set the appointment with you, did they disclose that this was a sales appointment to sell life insurance? If not, call the insurance commissioner of your state and complain.
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comment to review:

STAY AWAY FROM CWA

To summarize your position, you can offer no facts, you can refute none of the facts presented by others, but you don't like what is being said. You should be an AIL executive. Why don't you check with the Smiths and see if they have a position for entry level sycophant.
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comment to review:

STAY AWAY FROM CWA

I left AIL after being lied to by the corporate executive on numerous occasions. I committed to provide the true facts to prospective recruits before they make a decision. With access to the facts a prospect can decide if they want to associate with an organization that grossly exaggerates first year earning opportunity, grossly exaggerates renewals, has the worst contract in the industry, has the worst agent turnover in the industry, forces agent to pay union dues and never see a union rep, has the worst policy retention in the industry, and forces them to associate with *** like "Get a Job" who can't form a cogent response, then they have made an informed decision.
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comment to review:

STAY AWAY FROM CWA

You must be descendant from the three monkeys, hear no evil, see no evil, speak no evil. You are ignoring the hundreds of negative stories on dozens of AIL threads throughout this website, and there are at least a dozen other websites. AIL is MVP of bad insurance companies, they have the worst agent turnover in the industry, they have the worst policy retention in the industry, they have the worst agent contract in the industry, they have the worst agent training in the industry, and they force agents to pay union dues for this privilege. AIL is an equal opportunity abuser of both agents and policyholders. Policyholders are subjected to a stream of poorly trained agents with no industry knowledge pushing over priced products. Once they become policyholders, they are besieged with new agents attempting to sell them additional insurance. Should a policyholder have a question or problem, agents are unable to help them and customer service is the worst. Working families deserve better trained agents, better products that are competitively priced, and good follow up from their agent and customer service. Finally, the arrogance you display presuming agents that leave are lazy or d...
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Anonymous
#603354
Who are you? .... Ohh, nobody right. So *** bc you have NO idea what your talking about. Go get a meaningless job now please. Thanks bye.
comment to review:

STAY AWAY FROM CWA

Mistreatment of a person is OK providing they are not directly employed by CW or AIL. By that logic mistreatment of a client is OK because the agent is not employed but a contractor. Ridiculous! This website has hundreds of stories of mistreatment, misinformation, and unethical behavior. How do you excuse the totality of the comments?
The truth is that AIL has the worst agent contract in the industry, the highest agent turnover, the worst policy retention in the industry. Prospective agents have better options, better companies, better training, better compensation, and more ethical treatment.
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Anonymous
#599179
Regardless if someone is a 1099 or employed direct. Nobody deserves mistreatment.
comment to review:

AIL is a SCAM

American Income Life #593543
What research? The fact that AIL has the worst contract in the industry? The fact that AIL turns over 98% of newly contracted agents every year? It is deceptive to refer to a position as a career when 95% of newly contracted agents leave within 6 months. The fact that Torchmark financial statements reflect an average agent earning less than $20,000 before expenses? The entire recruiting process is smoke and mirrors
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comment to review:

STAY AWAY FROM CWA

Again this rationale is nonsense, the problems referred to in this post are not isolated. These same problems and many more occur daily throughout AIL and management. How is sexual indulgence by a manager any worse than that same behavior in the corporate executives? *** is a managers lying any different than a AIL executive lying? All of these problems are widespread in the AIL culture, and have been for many years. Now as to the earning potential for an agent minding their own business, average agent earnings were terrible in 2005 and have declined every year since. Torchmark financial reports reflect the average agent having gross earnings before expenses of less than $20,000. Opportunity Unlimited.
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comment to review:

American Income Life (Great company)

American Income Life #592581
Now there is the stunning repartee of an AIL defender, no facts, no truth, only an attack on anyone presenting uncomfortable facts and truths. Working people deserve better insurance choices than the poor representation and over priced products pushed by AIL. Why do many truly reputable insurance companies have policy retentions over 90% for 5 years, and AIL less than 60% for 1 year? Better products, lower premiums, better representatives with better knowledge and better communication skills.
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comment to review:

American Income Life (Great company)

American Income Life #591082
So the 98% of new recruits than leave prior to 1 year don't work and are whiny b*tches? You state positively that if you are neither of those things you will make money. Either, AIL is the worst judge of talent ever or you don't have a clue what you are talking about.. AIL has the worst agent contract in the industry, the worst agent retention in the industry, the worst agent training in the industry, and the worst policy retention in the industry.
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Anonymous
#592408
You know who else has the worst retention in the industry? The NFL. There's good reason that the 1% exist, everyone has their lot in life. Now go call back one of your prospects who want a quote on car insurance for your $16 renewal check.
comment to review:

Scam/Scam

American Income Life #590908
In response to "I Work for AIL", your defense of every agency is different is nonsense. Abusive recruiting is widespread throughout the country and throughout management. AIL corporate has instituted recruiting quotas, commission override incentives, and financial penalties to SGA's that encourage agent turnover. Recruiters are trained by corporate to provide a minimum of information during the recruiting process. The use of inaccurate or misleading information is well known by corporate, they are suing Google because sites such as this are to accessible in a Google search so they know of the complaints. AIL actively ignores recruiting abuses because agent turnover financially benefits AIL. This is why AIL has the highest agent turnover in the industry, the worst training in the industry, the worst policy retention in the industry, and the worst agent contract in the industry. This string of worsts is not an accident, it is their business model.
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Scam/Scam

American Income Life #590080
If you have trouble with a refund, and many do, contact your State's Insurance Commissioner. It will be handled promptly.
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American Income Life (Great company)

American Income Life #584627
I left because I was lied to on numerous occasions by Roger Smith, Scott Smith, Rob Falvo, etc. Again, AIL has the worst contract in the industry, the highest turnover in the industry, the worst policy retention int he industry which must be priced into policies, therefore terrible pricing. What I found was many carriers with attractive contracts for agents (my agents get between 70% and 105% depending on the carrier), excellent training, ethical sales practices, 13 month product retention over 90%, products the cost less than half AIL products.

I am amazed that with all the discussion, on this site and several others, about the appointment setting practices used by AIL, that Insurance Commissioners have not intervened to prohibit these practices. I am also amazed that union leaders allow poorly trained AIL agents to call on their members and push over priced products.
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American Income Life Scam

American Income Life #582760
qboo and Sonjingham

Neither of you knows much of AIL. AIL contracts about 5000 new agents annually. Only about90 100 survive 1 year. Does this sound like opportunity unlimited? Is this the career promised during recruiting? Are the 4900 that leave all lazy with bad attitudes? What does this imply about AIL recruiting and training?

Further, AIL has 13 month retention of less the 60%, I deal with several carriers that have retention of 98% or better. Several of my carriers have a 5 year retention better than 90%. What does these say about the AIL sales process? Lapses and cancellations are priced into insurance products. What does it say about the AIL products?

AIL contracts with new agents at 40% commission rate, most of my carriers from 70% to 105% . AIL has the worst contract in the industry.

Working people deserve professional agents offering quality products at competitive prices.
ail gives them poorly trained rookie agents with sub par products that are priced terribly.
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American Income Life (Great company)

American Income Life #580659
Sonjingham,
Obviously you have no real knowledge of AIL. 98% of all newly appointed agents leave within 1 year, according to you they are all lazy with bad attitudes. You say AIL is willing to give new agents 6 figure incomes, AIL may be willing but it does not happen, it is an urban myth. I worked for AIL for over 6 years, 5 conventions, many many bonuses, appeared in Spotlight several times. AIL has the worst contract in the industry, the highest turnover, the worst persistence in the industry. No matter how superior you feel, these are not the result of lazy or unmotivated recruit, it is an organizational defect that originates with the misinformation used in recruiting and the terrible training provided by agents and managers with no industry knowledge. Stay in touch and let me know what your doing after you leave AIL.
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Anonymous
#611611
He prolly is flipping burgers at burger king i hear they want a fry cook 20-35 hrs a week
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Scam/Scam

American Income Life #571981
Sales Junkie,
You appear to have little AIL or industry knowledge. AIL has the highest turnover in the industry, 95% of recruits leave within 6 months, 98% leave within 1 year. AIL has the worst contract in the industry, I am contracted with over 100 carriers and know this to be true. AIL has the worst persistence in the industry, 56%, most good carriers have between 85% and 97%. AIL has limited products and is only competitive in the small final expense products.

When you left after 1 year, your renewals reverted to corporate. That's the AIL model, churn and burn.
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Scam/Scam

American Income Life #564529
Youngman, you offer no facts to support your position, no facts to refute the facts presented by others. You only offer what appears to be excerpts from self-help tapes, this is usual for AIL supporters as they are unable to present a persuasive case given the mountain of facts to the contrary. AIL has the worst turnover in the industry (98% annually), the worst contract in the industry, and the worst training. Despite these facts they recruit using deceptive terms such as "career" and "opportunity unlimited", they use highly exaggerated first year income projections, and as exhibited by the posts on the hundreds of blogs on this site and dozens of others, recruits almost never understand how they are compensated and never understand what responsibility the have for chargebacks.
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American Income Life is a Scam

American Income Life #563607
katelyn, it is remarkable that you are doing so well, truly you are in the top .001% according to AIL's parent company's reporting. Torchmark reported AIL had 5472 agents in the thierd quarter that produced $41 million in net ALP, about $7493 in net ALP per agent for the entire quarter. The calculates to about $576 of net ALP per agent per week, an advance of about $173 per week, before expenses. Truly, opportunity unlimited! That is a major reason that 98% of recruited agents leave within 1 year, not work effort, not intelligence, not any of the other AIL supporters reasons for the worst turnover in the industry. That lines up with the worst contract, and the worst training in the industry.
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American Income Life is a Scam

American Income Life #549957
Ed
Either you are intentionally ignoring the contents of the hundreds of posts on this and other sites or your reading and comprehension skills are deficient. AIL is a scam because bogus compensation claims are used during recruiting, because they claim to offer a "career" but 95% of all recruits leave within 6 months, 98% within 1 year. AIL is a scam because during recruiting they claim to be selective but will take anyone not a criminal. AIL is a scam because they claim during recruiting to have knowledge to help make recruits successful. If they possess such knowledge why a 98% failure rate? AIL has the worst contract in the industry, the recruits are poorly trained and ultimately most leave quickly with their renewals and the balance of their commissions reverting to AIL.
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Scam/Scam

American Income Life #542518
Steadfastibex

You know little of AIL. They claim during recruiting to have a system to help recruited agents succeed, no such system exists as 95% of all recruited agents leave within 6 months 98% within 1 year. The compensation claims made during recruiting are entirely bogus. The union contract that agents pay dues for is the worst in the industry. The corporate executives are chemically indulgent, sexually indulgent, and morally bankrupt. I was with AIL for many years and know the truth of these things. AIL also knows these truths and has sued Google to make sites such as this more difficult to find. They want access to these truths limited.
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American Income Life

American Income Life #541956
Is Williamsport on Mars. You are wrong, union dues and your membership is all that is required for you to have the right to vote in union elections. The "vote deduction" is money for the union's political action committee. Finally, union dues cannot be required federally or in certain states and therefore cannot be deducted from compensation. With AIL union dues are taken from you ledger.

By posting on several conversations with different usernames doesn't fool anyone.
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Total scam

American Income Life #531714
Checkit
It is obvious that you have never read your union contract, there is no language for expenses. You speak of a bonus. The commission rates in this contract are 40 to 90% lower than agent contracts at other insurance carriers. In Canada AIL agents are members of CEP Local 247 located in Toronto. Calling any other CEP and asking questions is no better than walking down the street and randomly asking people their opinion of your contract. Finally, you are also misinformed about Warren Buffet owning AIL. AIL is owned by Torchmark, and Berkshire Hathaway (Mr. Buffet's company) owns 4.4% of Torchmark.

When you offer an opinion it is preferable to have an informed opinion.
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