American Income Life reviews

If you are thinking of taking this job, it's because you're a hard worker and you want to make money. I took this job for the same reasons, and it seemed to be above board because they described how they got the union leads, and I was told I'd be paid during training. By the time I finished training, I was short on my rent for the month, and I'd been putting in 60-hour weeks. The leads I got as a full agent were for ppl requesting a free app connected to the Amber Alert system, and then I had to pivot to talking to them about life insurance. I was able to get some referrals, but it was a real mixed bag, and a lot of the ppl I got on the line told me they'd already had virtual appts 1-3 months prior. I was lucky; I have a couple of uncles in sales, and one of them knew someone in insurance who was able to talk to me about his company and gave me someone to reach out to. If you're considering this job, make them tell you where the leads are coming from and how many. Make them tell you how many union leads they're going to give you out of the gate, because that's the presentation you get trained on and those are the easiest to close. And have two months' rent and bills budgeted for.

Didn't get any of my own leads for about a month and a half, when I did I received 45 leads half of which were already contacted by other agents (within the past month) and the other half of which has to be fully deceived into believing they're receiving something for free, only to be duped on the appointment when the offer screen pops up. Felt very sleazy, and very slimy to me. Even though I made some money, the commission rates are NOT ALL THE SAME. They advertise 50% commission across the board on the contract, and forget to mention in tiny letters that 50% only applies to "some" carriers. I made as little as 20% commission on some sales. Some people are successful in this business, but you really have to BELIEVE in what you are doing, and fully get drunk on the koolaid of "every new agent can make 10k a month your first year" to succeed.