American Income Life reviews

The leads are not really leads. The people just think you are coming over to give them their free benefits. Then you have to sell them something or you don't make any money. These people may not have a need for the products, and they didn't know they were going to be sold something else. Close ratio is much lower than most tradition insurance sales organizations . Cancellation rate from clients is really high. No shows and appointment cancellations are also high. In order to succeed, you need to book a minimum of 5 appointments per day, at least 3 days per week. Remember the no show rate, which means that you would really need to book 20 appointments per week. You realize how much time you spend on the phone to get 20 appointments. You basically live on the phone. Then they want you to prepare 5 different benefit proposals ahead of the appointment for all appointments. So that can be 75 to 100 scenarios per week on top of the telephone time, on top of doing the actual appointment. That's hours per week, even with the software, of prep time. To be a top producer in the office, you better get used to working 7 days a week. The top people brag about working on Christmas day. Yeah, like that's something to brag about. The commissions are not high, as most customers will take maybe a $1,000/year benefit plan and you only get a part of that.

Lies to clients, makes you memorize a script, unethical, no morals, high cost, not trustworthy