The hoax starts from the first phone call or email. The job description says you will contact UNION MEMBERS that have replied to a letter offering them "NO COST BENEFITS" and offer them Supplemental benefits. It's a nice way of saying they've lied to Union Members via correspondence, will then follow up with a misleading phone call and set a deceptive appointment where they will offer you worthless benefits in hope of selling you insurance at the end. Oh! Not to mention that they will HARASS you to give them the name and phone number of everybody you know to offer them the same, Garbage benefits! If you want to keep you friends and family, DO NOT DO THIS! First of all, it's not a Recruiter or Human Resource Personnel that contacts you. It's probably a 20 year old, part-time receptionist (making minimum wage) with access to CareerBuilder and Monster.com. She lies and represents herself as Human Resources and sets up an interview. Once there, they show you the videos of the top-performing agents in the country and all their wealth and tell you they've been with the company for 8 months or less! Complete LIES, people!!! While there are opportunities to make some money, you'd have to make a deal with the devil and not be able to look yourself in the mirror any longer to achieve any success. After the group interview, if you're gullible enough to fill out an application, a "manager" will call you in a few hours and tell you "they saw something" and want to offer a final interview. Once again, complete B.S! Everybody who shows up gets hired. There's no filter. The final interview consists of a handshake and empty promises of training and mentoring. Unfortunately, honest, hardworking, displaced people are looking for a real opportunity and fall prey to these misleading practices. This is just the "tip of the iceberg" as far as deceptive and misleading practices go. It get's much worse once you go to training. Once in training, they tell you be as vague as possible in your appointment setting. You're asked to contact Union Members, lie about the reason for the meeting, tell them that the Child-Safe Kits are registered with Police Departments and Schools (they are not!) and then give a bogus sales presentation for Final Expense insurance (which is basic WHOLE LIFE) You are instructed to only offer product specifics "if asked!" WHY??? Because the products themselves are inferior to industry standards, high-priced and not what they seem. The so-called "Income Protection" and "Mortgage Insurance" is Accidental-Only insurance, so your beneficiary is out of luck if you die of natural causes. However, the AIL agents offer it as Term and NEVER mention that it's all Accidental-Only. If you get this far, this is where the skepticism of the job sets in (if you still have a conscience and a soul). Why are union members so hostile on the phone? Why is everyone so reluctant to set an appointment? Why aren't people home when they said they would be? It's because they've been called 50 or more times, are a referral from someone that warned them not to answer the phone or have suffered through the process before. Either way, you're wasting your precious time, precious gas, time away from home and like me, paying a baby sitter for NOTHING! When you can't make an appointment, they have you "Hot Knock" which means show up unexpected, at their door. If you're lucky (and I mean lucky!) enough to make a sale, the commissions are sadly below industry average. Insurance sales pay an advance commission equal to 100% of the annual premium payments. Meaning, if you sell a $100 per month policy ($100 x 12 months = $1200 annual premium), you should earn $1200 pay. American Income Life pays you 40% instead of 100% and THEN... deducts another 25% from that amount for your residuals in 10 years from now. So, for the same $100 per month policy you will receive $360 instead of $1200. So, where does the rest go??? You got it! In your manager's pocket, in his manager's pocket and so on. BTW, they want you to work 6 days a week and make 5 (imaginary) appointments a day. Monday and Thursdays are the "Office days" where you arrive at 11am, have a 15 minute meeting and then are told to go to lunch and come back at 2pm for telemarketing. Nobody is home from 2pm-6pm so What the heck are we doing in the office at 11am???? Wasting that precious time, gas and baby sitting money. Do yourself a favor and stay away, please. There are plenty of commission-based jobs that offer real opportunities and don't require you to enter into any misleading or deceptive practices. The Department of Insurance will be quick to revoke your license, apply fines and you can be held liable for monetary damages in civil cases in the event of a consumer complaint. Shame on AMERICAN INCOME LIFE.
