American Income Life reviews

The manager GARY who does the group interview will lie and say your training is paid. He says for the first two weeks you’ll be with a trainer and you take home all money from the sales, and the third week you split it. That was a complete lie! They will only give you one sale, and a tiny one that’s not even enough to cover the amount of money spent in order to start the job. They require you to pay all of you licensing and exam fees yourself, and don’t even reimburse you for all the money you spent to work there! They hire a bunch at once, thinking the majority will fail the exam or quit, but then when they all pass and stick around they don’t have enough trainers to train the new hires. So people will be “benched” from going out in the field and learning. People will go months without a paycheck because of their lies and empty promises. I’ve heard of people falling behind on so many bills, including car payments! Because they quit their old job thinking they’ll be making money right away like they were told! One person is even about to get their car repossessed because they were lied to! If you aren’t in the inner circle then you’re screwed. They say everyone is family but how can you lie to “family” about getting a paycheck? Scammers. Gary also says they provide medical and dental insurance which is false, they want you to use their “discount card” they use to bait-and-switch customers for your “insurance.” They falsely applications in MANY different ways. They report false numbers so during the mandatory group meetings the “top” sellers seem like they sold a lot more than they actually did. Its all a scam from top to bottom. Its only a matter of time before they get sued. Cant wait for that. The turnover rate is unbelievable because new hires bail when they find out theyre being scammed. They bait-and-switch new hires and clients. They are professional liars.

You will most likely lose money working at this job. You need your own car, a computer (not a mac) and a cell phone. You have to pay for your own course (they say they are paying $150 of it, but that's a discount they get) You pay for your own test. They make you sign saying you are an independent contractor. But then tell you where to be, what to say, how to say it, and the materials you will be using which according the IRS makes you an employee and eligible for minimum wage and benefits. You call hundreds of people from your own phone and if they don’t answer you just hang up. They teach you how to change your number using apps so that you can call the same person multiple times a day using different cell phone numbers. They tell you that you are only calling Union employees who requested their service. Then you call a ton of people who are not Union employees and tell them you are calling from a different service that provides child safety kits. You also read a script that misrepresents you a representative calling on behalf of Police Unions. When you show up at homes for meetings they most of the time don’t know the real reason you are there. In the 4 months I was with this company I was put into some very unsafe situations, and eventually made less than $100 profit (before taxes) (after paying back my license fees, class and testing fees, a $200 laptop, and gas to get to my appointments). Very High Turnover. Deceptive Recruitment Techniques Deceptive Sales techniques.