American Income Life reviews

I have seen the good, the bad, and the ugly here. There management practices can get shady at times due to the pressure of their contract structure. For example: managers must hire a new agent once every 5 weeks or they will lose their management contract. I witnessed them hire a 67 year old man who could not memorize the script just so they could fill the hiring quota. Memorizing the script is mandatory to go through training. The reason this was unethical is because licensing alone costs around $300 which is reimbursed after you hit 15% bonus for the first time. This poor guy spent 5 weeks trying to get to 15% (your manager will be in the car with you until it happens.) His manager ended up quitting and upper management told the poor guy tough luck and sent him packing. So not only did this guy not get the training he deserved, he spent 5 weeks in the field basically unpaid, wasting his time and money. This was one of the bigger things that went on but there are several little things you will notice that border ethical boundaries. The biggest negative to this postition is on Monday and Thursday combined you will be spending about 20 hours in the office, unpaid. Also being 100% commision based means there will be weeks where you don't make money. I've had a comma in my paycheck one week and zeros the next. Getting promoted into management means in addition to office time on Mondays and Thursdays, you will be in the office on Tuesday and Wednesday from 8-1 followed by field time until 9 pm. So you are working more hours and more unpaid hours with the possibily of more income or even less income. It is a very unbalanced environment. I will not bother going into the details of the managers pay structure but it is all bonus based. They get a bonus based on the bonus of every agent they have. So you will see top mangers getting bonuses upwards of $10,000 on Mondays but lower level mangers might be getting nothing due to the fact that they have far less agents coded to them. Your agents must be bonusing in order to get paid as a manager. Benefits wise you will have access to a health insurance reimbursement if you write $17,000 in a quarter but other than that there are zero benefits. Presenting to members in their home is quite difficult sometimes. Especially when they are smoking in your face or if they have a dirty dog. Dealing with low income members much of the time means low quality households. I would say about 70% of houses I have gone into are unusually gross. Also I have had to sit in the room while a femal member went to the bathroom with the door open, still talking to me. You must also be able to deal with getting kicked out of homes and getting yelled at every now and then. I suppose that comes along with being a salesman.

I was the HR manager for 7 years and feel so guilty about the hundreds if not thousands of recruits I brought on board. I was told to lie by not just the owner but higher ups at the executive level as well. It is a 100% commission only sales job. The owner sits you down for an hour long presentation on how great the company is without ever going over what the job actually is. They tell you they are hiring for managers and enrollment agents when in fact in the 7 years I worked their we never once hired anyone for a management position you would have to sell for about 6 months, meet a certain quota, and bring on at least 10 recruits yourself before being moved to management. They make you pay for your own licensing and tell you that you will be paid during training but your not. They promise you leads but that is yet another lie you are expected to get at least 10 referrals from every client you visit oh and the best part is the clients have no idea you are there to sell them insurance because when you called them you were instructed to say you are with the child safety division and you are only contacting them to give them a free child safety kit. They say it will only take a short time when in actuality you are required to present a 3 hour laptop presentation ( you must provide your own laptop btw). If the client is dumb enough to fall for that you are then given a list of rebuttals to use on the client basically telling them how terrible they are for not protecting their family and not buying their products. Their MGA was just indited on over 100 counts of fraud for writing policy's for people that never agreed to them. Same MGA was busted a year before for cocaine distribution but all the charges vanished ( I wonder how) . This company will ruin your life and the owner will laugh about it. He has said over and over he does not care about his agents he only cares about the managers. He insults you for asking questions and made his wife the office manager because as the state agent he does not qualify for bonuses so he instead funnels them thru her. These people should not run a gas station forget about a multi level insurance company. The insurance commission has an open and active investigation on them and their is a class action law suite in the works against A.I.L and Torchmark. Best thing I ever did was escape this MLM. They still use my name and phone number in their emails even tho I quit a year ago and have contacted them on 3 different occasions asking them to stop. You have been warned STAY AWAY!!!!