American Income Life reviews

Let's be clear. I never actually started work with them; backed out shortly after initial offer of employment. Therefore, I'm limited to how much I can actually say, but I will anyway. Simply put, they make awful lofty promises of incredible salary and promotion potential in a short period of time...there's the first red flag, if something seems to too good to be true, it probably is. Second red flag, they interview people on a constant and regular basis, and seem to hire almost all of them. Now let's be realistic, if the ridiculously fast promotion time tables were on the level, that means that everybody would be a manager...bull. This is not possible. That therefore means that there is an extreme turnover rate. I asked one of the managers in the initial interview (before I realized all this) how the retention rate was, and he said it was excellent in a very fast paced tone which was laced with numerical gobldegook and percentage data...a standard tactic of deception in any kind of dishonest sales. This is the third red flag...misrepresentation of the truth to potential employees. Also, I initially heard of this job by a third party career agent who found my resume on Monster. I was initially told that the position was for a company called Correa and Associates...no mention whatsoever was made of American Income Life. Further, I was told the position was about explaining benefits to labor unions...no mention of insurance or sales was made whatsoever. In addition to this, they tell you you'll be making 50k plus starting. At no point will they ever volunteer to you that your pay is 100% commission based...you have to ask. And if you do ask, they tap dance around it like a f'ng ballerina. Fourth red flag, they claim to be accredited by the better business bureau, but in fact are not (I checked). Bottom line...a job that has a lot of people constantly getting interviewed and hired on almost a daily basis + talk of wildly out if this world salaries and promotion in lightning speed + deliberate omission of key points in the initial hiring process = pyramid scheme. I'll admit, I was initially luered to this because of the smooth sales tactics of people promising huge incomes, but then common sense prevailed and I decided to trust my gut...thank God I did.

"bonuses" "gas and cell phone allowances" and most other forms of income are complete lies. your GA, MGA will tell you about all kinds of money you can make and its very very untrue. -personal recruiting is a joke. they straight up lie to people saying they are with "arias and associates" and tell people they are hiring for "customer service positions, sales positions, as well as leadership/management"---the position is the same thing....they will say anything to you and NEVER put anything in writing for what your income will be. FLAG#1. FLAG#2 is they have to give you a group presentation describing the position. There are no benefits, you pay for your own expenses, and your actual income is 40% x Annualized life premiums (monthly premium x 12) x .75 (because they hold 25% for when you are closer to the year mark). there is no 401k, no health insurance, you are strictly a 1099 independent contractor, but they will micro manage you and force you to work every single night of the week. you are NOT ABLE TO MAKE YOUR OWN SCHEDULES. you will work 9-9 at least for your first 90 days, then you will be forced to get to the office by 10am and be forced to stay out til 10pm every night of the week (including sundays). you are also going to be calling people that HATE AIL that get bombarded by agents week after week because your leads are old and reused too much that people hang up on you immediately. you are also forced to "door knock" people hundreds of miles away to try to set them in person for an appointment because they most likely ignored your 20 calls before and/or hung up on you because you said you were from american income life. there is no "enrollment period" and you are forced to lie to people and deceive them into policies and hope they don't cancel or you will not get paid the following week. too many cons to actually list. its a joke of a company. I would definitely thank AIL for showing me what career rock-bottom actually looks like, which allowed me to take that to my next career, where i am doing very well!