American Income Life reviews

Leads are trash, literally. Most people get called multiple times already or already been sold, or have said no. They still end up in your lead pack and continue getting recycled. They encourage you to recruit people to join your team. But it's hard to keep people when they get garbage leads and can't make a single sale, so you have to throw them your appointments so they can pay their bills. Which takes away from your pay. They try to accommodate the lead problem by encouraging you to collect as many referrals as possible from your presentation. When I say referral I mean it's literally just a name and a number that the person gave you. They have code requirements, meaning you have to hire a certain amount of people and they have to make a sale every month. If you fail to get your codes, you lose your team's overrides/bonuses etc. You're selling to people who weren't looking for insurance in the first place. Which can be good because the life insurance lead space is heavily saturated, but this tends to come with more cancellations/chargebacks. Overall, you can do well for yourself here as a solo agent if you prove yourself. But don't expect your team to do well. Best leads (POS) are really only given to top performers.

The management uses evasions and out right lies to sign employees so that they can make a hefty bonus. The office is a joke, 1/2 the outlets don’t work (so forget plugging in your laptop), roller chairs with missing rollers. They tell you that you’ll get paid for training, that’s not true. You don’t get paid until you make a sale then the managers take their share. I’m $250 in the hole because it’s mandatory that you pay for a pre license course, pay to take the exam then pay for the license. What a racquet.