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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)
      avatar

      Steven K. Greer

      62% approve of CEO

      35% positive business outlook

      Ratings by category

      3.6

      Diversity & inclusion

      3.1

      Culture & values

      3.1

      Career opportunities

      3.0

      Senior management

      2.9

      Compensation and benefits

      2.6

      Work/Life balance

      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).

      Ratings by demographic groups

      Reviews by job title

      4K reviews
      2.0
      Jan 12, 2016

      An honest experience of a former manager at the Fisher agencies in MA

      Supervising agent
      Recommend
      CEO approval
      Business Outlook

      Pros

      1.) opportunity to make a lot of money 2.) Can be very family oriented-- as long as you agree to be their caged lion. 3.) The opportunity can really help you start to think differently about life and success --if you're smart, learn what you can and get the hell out of there fast! 4.) A 1099 opportunity is the best for the right person. 5.) The industry can be really rewarding, both financially and personally...If you're in it for the right reasons Attention: Many of the positive reviews here that consists of "i can't think of anything bad to say" are just management filling this up so that they can be more successful at recruiting. ( I know, I was one of them) I am writing this to help people. I've seen too many lives get ruined here. Please help this get on top of the board, and if you're reading this, I encourage you to take your talents to another insurance company, They will pay for your licensing. 500 is too much money to invest here.

      Cons

      my favorite part here is the cons. ( this isn't some hate-filled, lazy agent that hated working hard. I, in fact am still employed within the industry and I Love it, 1. You are constantly working ( not a problem you say?) well you will miss out on what is important in life and as a life insurance agent, you'll preach that life is too short. so that makes to sense. and they will make you feel bad if you want to have a proper work/life balance. life is too short. 2. In order to be truly successful here, you have to be The SGA and MGA caged lion. They throw you the best of the crappy leads as long as you work hard to impress them. ( And i mean kiss their Touche and do everything they demand of you) 3. Yes you'll do cold-calling (alot) and random door knocking (why?) because the leads that are given to you, 99% of them have never heard of AIL. ( there's nothing wrong with cold-calling but it can be tough if people have never heard of AIL before. (which is why i took my talents to a well known, well-trusted company) and insurance door knocks are just unprofessional especially with their switch and bait sales tactic. 4. You are trained to be scripted so that you can get the sale. Which is not genuine at all. 5. very similar to network marketing with the pyramid structure. You eat, they eat. you climb the ladder through a bunch of lies. ( they will try to tell you that you are doing these people a favor by lying, but they products are bad compared to what is out there) 6. You are trained to lie to get yourself in the home with bogus "child-safe kits" and "free" life insurance or the 'lovely" health benefits. This is their Switch and Bait and i can't respect anyone that does it. I hated myself for doing it. 7. You will be in home for about an hour before they even know that you are trying to sell them life insurance. Then the computer will speak to their fragile heart and if you get a sale, it will be an emotional sale and you'll be in the house for another 45 min or so. (I'm sorry if you're going to work here) 8. Charge backs are major because THEIR PRODUCTS ARE CRAPPY!, compared to what is out there, so people will rightfully cancel and go somewhere and then you'll have to pay ail back. 9. They ask a lot of you and if you can't deliver, you'll be treated like crap. 10. The emphasis isn't on perfecting your craft, its on getting ahead and growing fast. This is why a lot of their leaders aren't very educated on the industry. (The know the script well and say the same thing. They don't even treat it as a profession.) 11. They want you to take ownership of your business, But you are treated like an employee of theirs as if you're getting paid for your time and you get spoken down do when you make a mistake. Its just so funny thinking about it. Your time is theirs. Try to take a Sunday off to spend time with your family. I dare you. There is a leader there that will call you "dumb". what a joke. 12. Managers don't respect you unless you're doing well (I've been on both sides so I know) because you are helping to pay their bills. 13. Everyone is out to get on top! no one is your friend. They become someone else just for recognition. Be careful who you trust and call friend. When you start to struggle a bit, they will advise their followers to not hang around you anymore. A true leader would take that as an opportunity to lead. 14. Really bad products and i mean that from the bottom of my heart. I feel terrible for every single family that i serviced while working there. knowing the truth about this, you have to be extremely selfish to work here. 15. YOU BELONG IN A MORE PROCESSIONAL SETTING. YOU WERE NOT MADE TO BE THE SGA OR MGA TOY SOLDIER. WANT OT MAKE A LOT OF MONEY HERE, THAT'S WHAT YOU'LL BE SIGNING UP FOR. 16. their pay is actually one of the worst out their too. learned that once i left. Bottom line, if you're going to work in the industry, do your research (like i did) and go and represent one of the best. you owe it to the families that you'll serve.

      1.0
      Aug 28, 2015

      AIL-Weatherspoon Agency

      Career agent
      Recommend
      CEO approval
      Business Outlook

      Pros

      Here is a review about the American Income Weatherspoon Agency in Norcross. I can't speak about any of the other agencies in the AIL company because each agency is a franchise, so they're all ran by different individuals who worked their way up and were offered their own agency. The beginning of my term at this agency started out great. Everyone was very friendly, helpful and felt like they truly cared about me as an individual. The MGA that taught the training class was probably the most helpful out of all the MGA's. He never turned me away when I had a question and never made me feel stupid when I had a simple question. The classroom training was very in-depth and my notebook was almost full after the week and a half classroom training. My training manager was also very helpful when it came to teaching the basics of the standards we were required to learn. After training, the coworkers are pretty close with one another. It was a friendly environment within the agents and there was always some fun to be had in the office. They have continuous opportunities to train and learn new aspects of the company. Every week there are workshops that you can attend in order to improve your knowledge and skills. There is also a workshop after the calling days for you to have more one on one time to figure out what skills you need to work on as a new agent.

      Cons

      Sure the workplace with your coworkers was friendly and your direct upline was helpful. However, when it came to the other MGA in the building, let's just say that he wasn't the most helpful individual. My MGA that I was working under would make you feel stupid or inferior when asking a question. He was so caught up on beating the other team with numbers he would do whatever it would take. Even letting agents in training out of their training early just so he had more agents writing business. Throughout the interview process, I was lied to directly or they would dance around the truth so that they wouldn't have to give a direct answer to any of my questions. This is a commission only job, if they say you are guaranteed at least 30k a year, they are lying. You aren't guaranteed any amount of money. If you are lucky your lead packet won't be older than 2 years and you will actually have someone answer the phone when you call. Most of the time, people are so tired with agents calling them that they either don't answer, or they yell profanities at you then hang up. In order to make a living here, you have to rely heavily on cold calling and gaining referrals from anyone that you can get to answer the phone. You will work long hours. I worked over 60 hours a week and put more miles on my car than I would like to admit. With no reimbursement for mileage or gas. If you aren't willing to work 9 am-10:30 pm then apparently you aren't working hard enough and don't want this bad enough. One of the worst parts about this company is that they can fire you for any little thing and they will execute that power whenever they feel it necessary. You can be fired without notice as well apparently. If you are sick and can't answer the phone they will terminate your contract. If you ask another team leader for help and they offer to take you on and show you the way they do things, you can be fired. If you have a family emergency and need to be with family for a little while, they will fire you. They only care about the numbers and hiring as many "replacements" as possible. They are constantly hiring new people every other day. That is how bad their turnover rate is. Everyone from my training class no longer works there. The individuals that I started out with are no longer my coworkers. My direct upline also terminated his contract soon after I was released. There are several in the company that make $1,000+ every week; however, they have been there since before the change in SGA. Some have been with the company for 5+ years and they have built up such a high referral list that they no longer need the lead packets to survive. So yes, it is possible to make the money they tell you to make, but you must stick it out for several years to see any of it.

      1.0
      Mar 4, 2016

      AIL are just Scam Artists and Liars

      Insurance sales agent
      Recommend
      CEO approval
      Business Outlook

      Pros

      You will be exposed to the greatest liars on the planet.

      Cons

      I worked for 3 months, 90+ hours a week, 1000 miles per week driven. In the 90 days that I was there, I never earned 1,000 total. They call people on the phone and tell them they are going to send someone out to bring FREE BENEFITS & it will only take a minute. Then they send you out to people on Food Stamps to try and sell them Life Insurance... They made me do a presentation on a hood of a car because they guy lived in his car. They wanted to know why I was not able to close the deal. These people are a bunch of Scam Artists.

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