American Income Life reviews

-The leads are a starter pack, so some are older but they are also free, so you can collect referrals from the company leads to get more appointments -Long hours and many days if you choose to make this a career -When in management, you never truly know what is going on with your team in the field because they go out alone and you just do calls at the end of the night and hope what they told you is true -It is hard to find people to hire that are self motivated -The Management is great but it depends on your mentor -I love the culture in the office and the company -I love the positive energy everyone has when someone walks into the office they get greeted with a smile

You are an independent contractor but they treat you like an employee (mandatory meetings). Lack of many important products. Meaning you can't sell the ideal type of policy to your client. This does a major disservice to insurance applicants. I personally saw a client get declined because AIL does not have simplified issue policies. Now she is probably uninsurable. When you are doing more harm than good to your client, you know something is wrong. Some of the products they do have are way overpriced. AIL's term policy comparable to the one I personally own cost 5 times as much! If you have a high level of understanding of the ramifications of what you are doing, you are going to feel guilty working there. I suspect that the overpriced policies lead to a higher than average amount of charge backs. Also, the sales tactics for all intents and purposes are a bait and switch type situation (unless they read the fine print of the letter), so many of your appointments will be pointless and disrespectful. You are a captive agent so no freedom to offer the client a better product. Relatively low commissions. Expect to be asked to drive insane distances without any additional compensation to people that are not in the market for life insurance. If a customer called in to the office to cancel their appointment, the message would not be relayed to me, further wasting my time.