American Income Life reviews

Nights and weekends. 100% commission and charge backs. You have to work constantly to make any money.

This is a business model that requires 70-80 hour weeks from entry level employees with nothing but 100% commission structure to offer. It is, frankly, designed like a pyramid scheme that only rewards the employees most willing to exploit their friends and family for policies or recruiting, weaponizing your personal life for financial gain. It only rewards agents who want to build out a team of other agents, recruiting and training them with money out of their own pocket. It rewards dishonest sales tactics and intentionally hides its pitch until the very last second, utilizing high-pressure tactics that force misinformed clients to make a decision on the spot. The company’s top salespersons all-time pressure, bully, and lie to clients to get them to buy, telling them they’ll lose union insurance or already-purchased plans if they don’t spend more, more, more. If you don’t want to be a part of this process, the company does not make sense for you. If you just want to sell insurance and do so openly and honestly, there are many other brokerages with better commission rates and residuals who don’t ask you to be a soulless shark only focused on your business and nothing else.