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American Income Life

Part of Globe Life

Engaged Employer

American Income Life reviews

2.8

36% would recommend to a friend

(4,198 total reviews)
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Steven K. Greer

62% approve of CEO

35% positive business outlook

American Income Life has an employee rating of 2.8 out of 5 stars, based on 4,198 company reviews on Glassdoor which indicates that most employees have an average working experience there. The American Income Life employee rating is 23% below average for employers within the Insurance industry (3.6 stars).

Reviews by job title

4K reviews
3.0
May 12, 2014

Bait n Switch

Anonymous employee
Recommend
CEO approval
Business Outlook

Pros

I worked with ail for a year and a half. The training was excellent but what training wouldn't be when ur doing it 60-80 hrs a week? This is an ideal position for anyone with a car and still living at home with their parents.

Cons

So many cons with these guys. First of all I think it's only fair that everyone reading this understands I was also a hiring manager in the GA position. We will literally hire anyone that is willing to work 10-14 days Monday-Saturday as long as they have a little personality and most of their teeth. And when someone came in already licensed.... weeee doggy!! Ok..so when you first get the position they will tell you it's the best company bc they've been around since 1955 and are union. They also have an unlimited source of leads. Which you will almost immediately learn to produce yourself. And since they are involved with distributing child safety kits to the public...that's your "bait". Once you're in the home giving the family a free child safety kit along with a variety of other free items pertaining to insuring that families security you begin talking about life insurance "switch" which in some cases can be very awkward. Now since initially these families have no idea you are there to actually sale them something, many take this offensive and you may need to check your balance at the door as you're being kicked out. Don't get me wrong, it is an effective method for obtaining sales but the problem with it is...most people cancel before the policy can pay for itself which leaves you with charge backs and low retention which means your ail career is over. If you stink at hard closing and frown upon deception then you should run as fast as you can from this opportunity. I wasn't that type of person either but after about 6 months I was a completely different person. Numb to the excuses and rebuttals. I just didn't care what anyone told me as of why they wouldn't buy today...affordability, wanting to do research, wanting to speak with a family member or friend first or just wanting to think about it....they all became nothing but excuses to me...this place turned me into a cold hearted scumbag insurance salesman with a family I never got to spend any time with. And I don't care how much money you make. If you don't have quality time to spend with your family....you lost! If you do take a chance with ail...ask the people in the office how long they've been with the company. Here's what you will most likely hear...there will be one person with 12yrs, 8yrs, 5yrs, 4yrs and the other 20-30 agents might have anywhere from 1-6months..(HUGE TURNOVER) I have never seen so many fail or just give up at something. Oh...another thing...the first promotion you get will cost you $500 a month every month for the call center to recruit people from monster, career builder etc. as potential new hires which we all complained about bc we never could see how it was an asset. Just a total waste of money. But they need to bring in as many hungry people as possible in hopes that maybe one of them will be a superstar. That's usually about 1/100 but even the really great ones quit after a few months. I have seen people make $4,000 in two weeks and quit bc of the ridiculous hours required to be successful. I literally had to live, eat and sleep ail to be successful. What I mean by that is, I couldn't even take me family to sea world without thinking "I need to get home soon so I can make phone calls to set up for the next few days of work." It was relentless and annoying to everyone around me. I really could go on and on... BEWARE

1.0
Apr 11, 2013

What a joke!

Recommend
CEO approval
Business Outlook

Pros

Co-workers that come and go monthly

Cons

No hourly rate No Salary No funds for gas No funds for cell phone No company vehicle No create own schedule Mandatory unpaid office hours Mandatory unpaid weekend work Commission is not what was told in interview] (loopholes) Residual income is not what its cracked up to be-people cancel-losing battle Promises to be millionaire in short period of time with hard work and dedication- Why is turnover rate so high? 50 people in couple a months!? Majority of everything they say in interview is a lie! Was promised iPad and iPhone, never received. Office environment is very loud, swearing, unproductive! Company tells employees to post positive reviews on sites. You've been warned!

1.0
Jun 22, 2012
Recommend
CEO approval
Business Outlook

Pros

Pros Close to many different businesses and in the heart of Portage. Good Location Good team of coworkers. Like working for a car dealer and the dream of having a big sale

Cons

Cons Contractor: You need to file your own income taxes to Uncle Sam You have a Back end account meaning that money is taken out of your commission as "insurance' incase the policy cancels after the company pays you for that sale. If you don't have any money in your back end account then you owe the company money. This means an unsecure paycheck. To top it off when you quit, you will get a letter in the mail stating that you owe them MONEY because you're paid on an annual advance salary. So be ready for some debt. If too many people cancel their policy it reflects negatively on your retention and you may not get paid if your percentage point. This drastically affects newer people in that it affects how much they get on their paycheck if they even get paid. 100% Commission based with poor bonus. For those of you who do not understand commission like I did when i first started, say you sell a typical $30 Dollar Premium to someone. Since AIL pays in advance the first years Annual premium, multiply 30 times 12 to get an amount. (360) Then multiply it by .75 because 25 percent of that goes into your backend account. Last your multiply by your "bonus" start rate 40% and you get how much you take home (30*12)(.75)(.40)=108 Dollars. IF this is the only sale you do in a week with all the driving you have to do then this is what you make that week.

Viewing 64 - 66 of 4,198 Reviews

Glassdoor has 5,229 American Income Life reviews submitted anonymously by American Income Life employees. Read employee reviews and ratings on Glassdoor to decide if American Income Life is right for you.