American Income Life reviews

At least the first month, I didn't see any money since I was in training. I was required to be in the office for 2 days and then sell for 4 days. You get one day off unless you have problems selling, in which case they will suggest you work Sundays as well. I understand that having a base pay like an hourly wage won’t work because there’s no way for the company to keep track of you when you are selling. However, they do know when you are in the office in the 2 days I mentioned so they should implement base pay for those days at least. It won’t be much but it will somewhat ease the pain in weeks where you have no sales. I was mislead during the interview process when I was told that people would be expecting my call. That was at all not true. I understand that we were dealing with union members so they were supposed to have an idea of what I was calling them about but most of them really had no idea thus it was nearly cold calling and quite difficult to make appointments. Basically I had to say anything in order to get my foot in the door. Examples include “I’m not selling you anything”, “I’m just going to deliver no-cost benefits which you receive thanks to being in your union”, “I will be in your house for nor more than 15 minutes” (Note they make you learn a 5 page script by heart which you have to repeat to the customer so there’s no chance in hell you will be in people’s houses for 15 minutes. Nobody in their right mind would say yes to you if you tell them you will be there for an hour so I had to lie). I did feel uncomfortable lying to people but I had to do it otherwise no appointments which means no way of making money. The first day when I was selling, I made over a $1000. Life was good to say the least. But then came the lean times and it certainly didn’t help that I was driving on average 100 miles per day with 10 hour days, 4 days a week. Plenty of money went for gas but that was to be expected. Also, you cannot do this job without a laptop and GPS so be prepared. Some of the leads I was given were old thus a previous agent had already contacted them. No wonder I got some abuse over the phone. The sucker punch I have to say was the road trip I went to with about 10 of the other managers and agents. It was a week long and you pay for your hotel and gas. Luckily the hotel was cheap. Due to the regularity with which you run late for appointments, having a cell phone reception is of paramount importance. Sadly my two locations I was given on the road trip had virtually no phone reception so that was not helpful at all. On top of that, my GPS only pointed me in the general direction but that was it. Therefore it was a near disaster when it came to finding people’s addresses. I depended on was asking the neighbours for help which slowed me down and made people angry because I was really late. No wonder they didn't buy. It was ridiculous. After being there for a whole week, driving to some godforsaken places, and just kept adding mileage to my car, I had no sales at all. I also overheard managers talking about extremely high turnovers and I could definitely see why. I certainly quit at the right time and so did one of the people I befriended while working there. A few months later he called me and told me that the company had asked for the money back he made while working there. I thought that was absolutely insane. I was lucky enough that they didn’t ask me. You bust your balls, you have no base pay, you have to have a laptop and GPS, you waste god knows how much on gas, you barely make anything and then you quit because most people need a cheque every month, and they still ask for the money back. American Income Life is definitely not a good company to work for. They really do target starving people who have just graduated college. I hadn’t even applied for AIL but they still contacted me. Safe to say that if I had done my research online, I wouldn’t have taken the job. Lesson learned.