American Income Life Insurance
Reviews and Complaints

On march got an insurance policy i thought was for $25, 000.00 that is what i was told for $58.80 so i paid it from march 4/ april 23/ may 21 $ 58.80 for 3 months so i want my money back $176.40 cause i was lied to by Marque or Marcuc form Marian In, i called the company they said it was only $5, 000.00 he lied to me so i was a refund for this $176.40 total policy no [protected] also i got an other in s from him oo June 2 2019 he also lied to me you took $58.80 out on June 7 do not have the policy but they gave me the last 5 no of the policy 75921 want my money back on that also so i want a refund back on this the total for both is $235.20 he is lieding just to sell insureance this is not right takeing adavage of the older ones by lieding i an 72 years old, so i want my money back the policy was canceled on June 3 2019 Thank you BRENDA EVANS 1343 MEADOW LANE PORTLAND IN 47371 PHONE [protected]

These people came to my house and called someone to verify an answer and pretended to call a call center and this ma they called was in the car outside of my house the entire time. They got my checking account number and my drivers license number and my SS number. I dont know if these people scammed me or if I've been put at financial risk. The man parked outside tried to speed off and backed Into the truck behind him and if I wouldnt have seen it he would have sped off. I yelled at him where the owner lived and he got out of his car and knocked on his door. I'm currently waiting for a police officer to get ahold of me and I've called the fraud department at my bank.

They have been harassing me on the phone about coming to my house! This makes me even more wary! Leave me alone already! I am not getting them! 2 of the 30 numbers I have blocked are shown below for Las Vegas. As many times as I have told them no they still keep calling and harassing me! You would think after the first time it would be enough but I guess not smh

-They don't pay for 2 weeks of training
-Pay checks aren't right or go missing
-The mentors text agents many times a day and into the night. So much so, that It is considered harassment
-They set sales ratio's (even though agents are 1099 & that would make the matter, yet Another issue.
-Customers have complained about agents who refuse to vacate their homes, until they purchased a product.
-Unprofessional Office environment

I cancelled my policy April 2nd of this year and They told me I was going to get that back in my account in 14 business days because they drafted on the 2nd and I cancelled on the 2nd. Here it is in May and I still haven't got that back in my account. And not only did I cancel my account in April they still deducting from my account for May. I'm really tired of calling them and getting the run around.

I have seen a job posting on one of the Facebook groups for refugees in Toronto, it was posted by a very new profile, I have sent my resume after this person mentioned that they need many employees for different positions, they have contacted me and I went to the interview, it was basically a selling presentation for their products!, many false information that you can tell, very attractive presentation aims to give you the impression that you are very lucky to work for them, but it is not a position or employment, you have to buy a training, an exam, licence, using your car and even your laptop, they will only get commission from you. no benefit no security. at the end of a long process and filling out many forms, I rejected the job that they were about to offer me a the same day!, so the associate - who claimed himself as a manager-, start selling me a product! I told him I am not going to by any insurance coz basically I need a JOB first!

Although I didn't work with them, but I am writing this review coz I felt that they are not honest and not professional in recruiting, and many lies and deceptive information were presented to us.

I was contacted by an AIL recruiting representative three times between 2015 and 2017. Twice I declined the interview after reading up on AIL online. The third time, on September 12, 2017 I finally agreed to an interview.

My recruiter grossly and deliberately misled me about the details of the job. There could be no miscommunication or mistake, my questions were very specific about job duties, compensation and the company's organizational structure. Every single one of her answers was a complete lie. She assured me that I was interviewing for a salaried Administrative Assistant position, but when I showed up for the interview, it turned out to be a high-pressure pitch for precisely the type of 100% commission sales job I had specifically told my recruiter I was NOT interested in. She insisted that AIL is NOT an MLM when it plainly is and overtly operates as such. Lured me in under false pretenses, then pulled a bait-and-switch. This is a Pyramid Scheme trying to pass itself off as a legitimate Insurance Provider and they deliberately prey on desperate job seekers. Highly unscrupulous. It's a miscarraige of justice that MLM's are legal. They are effectively Pyramid Schemes, no matter what their proponents say. The difference between the two is only relevant to the criminals who run MLM's like this and those two brainwashed or proud to realize or accept that they've been scammed.

On Saturday, June 24, 2017 at 1:15 pm, an agent of this company Thomas Duffell appeared at our front door about a life insurance policy my husband had supposedly applied for. We have never applied to this company and this agent stated they had spoken to someone at a phone number which is out of service. We are on the do not knock list and to have someoone fraudently apply for insurance is illegal . Thomas' phone number is [protected]. The number shown as contact number for my husband was [protected].

American income life is not a scam. Everyone is gonna die one the only unknown is when. We help people make sure they are prepared for that day when it comes. I love the people i work with and every Wednesday is a motivational meeting that i never wanna miss. I would recommend anyone for this company that wants a life time career change. Someone who is interested in helping have family ready in the event of a tragicy striking there house hold of anykind.

This company has now blocked me from responding to other people's complaints on FaceBook. They have also blocked me from sending them a private message. (This is what happens when you complain to them.)

They will not cancel our policies through the agents who signed us up
In fact, those agents won't even returned our phone calls now.
We have also tried calling their main phone number in Waco Texas, but no one will help us there either.

We have now sent emails and mailed written requests for our policies to be cancelled. Hopefully that will work.

In 2010 I was hired as a licensed insurance agent to work for ail. I was told our leads were provided, we would have paid training, and a base wage plus commission. Sounded great to me since I am a single mom. All of it was lies. I spent so much money on gas driving around to these "appointment's" to get potential clients and in 6 months I only sold 1 policy. The provided leads were old leads handed down through several co-workers and had been exhausted numerous times. We would spend 3 nights a week cold calling these same leads over and over and basically harassing these people just in an attempt to get an appointment. I was never paid a base wage or compensated for my training. I asked my manager about it and was told there was no training compensation and I misunderstood that.

Short Version:

American Income Life (AIL) falsely advertises a salary position, and then pays by commission only. Before hiring, the job requires several weeks of unpaid training for an insurance agent license at the job seeker's own expense. Once hired, the job seeker can expect to undergo further training without pay, to perform some unpaid office work, and to be required to demonstrate adequate knowledge of the job, all before being allowed to go out to earn money, through sales of possibly questionable life insurance products. Union benefits are not available until one has earned a certain amount in sales, and there is no entitlement to union representation until one has earned commission pay from which dues can be drawn.

Long Version:

Relying on a Kijiji ad by AIL promising a salary position, and later an AIL recruiter's express assurance that pay would NOT be commission only, an economically vulnerable woman passed up other job opportunities, used the remainder of her time on Employment Insurance, spent weeks and about $1, 000 for training and expenses, all in preparation for this position, only then to be presented with the following documents to sign:

Agent Contract, stating under "Commissions":
"...Recognizing that the Agent's profit or loss is solely dependent upon Agent's degree of skill and effort, these commissions are to be in full satisfaction of all claims upon the Company account of services or expenses under this contract..."

Special Notice Acknowledgement, stating:
"5. I will be paid on a commission basis only and I will receive a Form T4A for the commissions that I am paid."

Had this woman, a close friend of mine, known at first that the position paid commission only, she would not have been interested in the job, as she needed guaranteed income. She nonetheless signed the contract under duress, because she had invested so much in preparing for the position. When she objected, it was implied to her that she had been rather silly to expect a salary position. Despite AIL's vicarious liability for the recruiter's promises, and even while admitting to my friend that she had been misled by him, his successor said that there was nothing that AIL could do.

Yet, when my friend recently saw another Kijiji ad in relation to the same office, again promising a salary position, with no mention of pay by commission only, she reapplied and was told in writing that this was the same position for which she had already been hired. This showed her that it was not just one recruiter doing the misleading, but rather that AIL was (and is) continuing to use websites such as Kijiji for false advertising. My own online research, as well as my minimally successful attempt to correspond with AIL, confirms that this is a general practice by the whole company.

Given these circumstances of employment under false pretences, my friend thought it would be fair to ask AIL to honor those of its promises that were not inconsistent with the contract she had signed. More specifically, because my friend had originally been promised a salary of $961 per week for both company training and field work, she asked whether she might at least be paid that amount just for the company training alone (merely two weeks), as the contract said nothing one way or the other about training. Instead, she was told that her training pay would only be $550 per week, although this was not at first put in writing, per the Requirement of Writing in the contract.

With this understanding, my friend attended for a day of company training, which began with the instruction to forget everything she had learned during her licensing training. She was told that, rather than focus on helping clients as a Union Benefits Advisor (the ad's job title), her main concern would be selling life insurance. Moreover, she was only to offer whole life insurance, not term insurance, although the latter is often all that low-income parents can afford in order to get adequate protection for their families. At one point during the training, my friend made a casual comment about a husband and wife often wanting to make financial decisions together, and was abruptly told by the young male trainer that no, the man usually wears the pants, and the woman follows his lead. This remark was consistent with what my friend felt was a somewhat sexist work environment, where she found herself being instructed in a condescending tone by young men half her age, lacking her years of experience working in customer relations.

After having travelled from two hours away to sit through this kind of instruction, my friend was then informed that this had only been unpaid "pre-training." She was also told that she would have at least one more day of the same, and would have to demonstrate adequate knowledge of the job before she would be "released" into the field. There was some suggestion, as well, that she would have to do phone work first. It was not clear that she would be paid for any of this office work, nor even for any of the field work unless she made a sale.

In other words, just as the promised salary of $961/week was later reinterpreted as projected commission pay, there was nothing in the commission-only contract, with its Requirement of Writing, to stop AIL from later reinterpreting the promised training pay of $550/week the same way. For this reason, my friend tried to get the terms around training put in writing. All she got in response was an email saying:

"During your training period you are entitled to a weekly compensation of $550. In order to qualify for this you must be present in the field for no less than 4 days per week. Please note that this only pertains to field training and is for a duration of 1-2 weeks."

Since this hardly addressed the above concerns, my friend wrote back with the following questions:

1. By "field, " do you mean out of the office, meeting with potential clients?
2. How much (pre)training, phoning, etc. will I have to do before entering the field?
3. Am I not getting paid for the in-office or non-field work?
4. Does "no less than 4 days per week" mean possibly more than 4 days?
5. Can you be more specific as to how many days per week and hours per day?
6. Will compensation depend on any goals - e.G., tests, appointments, sales?

My friend's email with these questions was at first blocked by AIL. When it later went through, the questions remained unanswered. My friend declined a request for a phone call, and insisted on addressing the issues by email, on the basis that anything unwritten would not be legally binding, given the contract's Requirement of Writing. Following this, AIL ended email correspondence with my friend, and refused to put any other terms around training in writing. To my friend, the implication seemed to be obvious that AIL had expected to get several days of free work/training out of her, and would not pay her unless and until she earned her first commission in the "field" - and there would have been no contractual terms to say otherwise.

Regarding AIL's hype about its union affiliation, a couple of points need to be made. First, there is no entitlement to union benefits until one has earned a certain amount in sales, so that if one works hard without making sales, one is out both pay and union benefits. Second, entitlement to union representation is dependent on payment of dues, which come only from commission pay, so that if there is unfairness which prevents one from getting to the point of earning money and paying dues, such as in the case of my friend, there is no automatic entitlement to union help in dealing with that unfairness. My friend has had to rely on the union's gratuitous offer of help, and so far this help has been slow in coming.

Vaughn Barnett, J.D.
Freelance Researcher & Legally Trained Activist
[protected]@yahoo.com

I worked for the company for a few weeks and sold some polices, for those policies I never got paid. The company send me a letter telling me to pay back 798. dollars, the owners of the Perez Agency in Warwick RI kept the checks and I did not got paid. Now they want me to pay back and that's not right when I did not got paid they kept the checks. They should send the checks back to the main office so I don't have to pay for a service I never got paid.The agency is located at 300 Centerville Rd Warwick RI 02286, this to me is very unfair. Basiclly I worked for free and they want me to pay back.

7/5 received a call from Rai at the Hart Group saying she found my resume on Monster. She thought I would be perfect for what they need and they were a 'Union shop'. I went on-line to fins out more about the company and saw that time and time again, it was a total fraud. It's all to get you to sell bogus insurance to others, paying a fee to work for them ant taking advantage of people who are looking for work to help their cause only. They don't have a web site, I can see that the 'reviews' are made up, and these parasites would sell their mothers dirty underwear if they could get a lead for a policy that they can sell...and they will walk up to your front door and sell it if you let them near.
A total scam if you are looking for employment.

I worked for American Income Life for 4 months, and I have to say it is a scam.
They want you to tell people about child safe kits ..then sell them insurance. This is misleading and dishonest. They want you in the office making phone calls ..without some type of compensation. .According to the labor law if you require me to be in an office for a period of time ..I am suppose to get paid..I can make the phone calls at home..Also the leads are given out to everyone in the office and the first one that calls gets the sale...Please stay away from this scam..

I was employed there in the last week of August 2015, and was not paid for an entire month. I had to memorize a 4 page script, along with memorizing many rebuttals required to actually be allowed to sell clients. I was very successful when I was there, earning a promotion in 2 weeks of being on my own. The weekly schedule as a manager is this:
Monday & Thursday: 8:30am-1pm, 3:30pm-830pm
Tuesday & Wednesday : 830am- 9pm
Friday: 12pm-9pm
Saturday: 8am-2pm
Not to mention, the 20 required weekly hours being spent in the office
was unpaid. I could complain all day about this company. There would be weekly meetings where we would have to clap when the SGA came into the room. The environment was very unprofessional. It truly is a pyramid scheme, no one has been there for over 6 years. The payout also proves it as a scam, you divide the ALP in half and then divide it again by 50%. It is set up this way because the managers get paid by your sales. The managers are the ones doing so well getting 2, 000 -3, 000 weekly from the commission bonuses they got from their agents under them. Plus if you didn't get a certain number of sales weekly, you would be harshly disciplined from your manager. I never got a straight answer from anyone. When I finally did quit, I was reemed out by several employees. From one saying I "recruited" an agent even though I didn't to me being called by the SGA and him putting on my record that I was terminated with cause. Funny since I was asked not to leave a week earlier and was offered an hourly position. They are obviously alligators there. I never left a company feeling disgusted like I did there.

After submitting my resume and not having a job lead for several months I was excited when I got a call from the recruitment staff. It was a very rushed phone interview I couldn't even understand the company name until after I set an interview up and Google the address I saw message boards full of reports of a scam. I am forever grateful that I read the scam reports and did a little Google search before actually going to an interview where they will waste my time trying to get me to sell life insurance. They was immediately told me I was eligible for a management position which I thought was a red flag because I am a nurse and have never done insurance sales. But they assured me I was qualified. I was just excited to get another job offer. I tried calling the number they referenced me which went to a generic voicemail box and requested they have no further contact with me.

My late husband was a 38 year firefighter, with the second largest city in Massachusetts, retired badge #1. He was the first recipient of the American Red Cross Hometown Hero Award.
Last year he was called by a salesman who stated he got the name through the fire union. Long story he was sold a "Funeral Benefit Plan". Unfortunately he died this past fall. I was told at the time he bought the policy if something happened to him give the policy to the funeral home to pay for his funeral. His death was sudden and I was so stunned that I didn't remember the policy until the week after his death and burial. Fortunately I was able to come up with the money to bury this fine man. Then began my dealings with American Life. My husband had two other life policies. At my call they gave condolences, asked for a death certificate, sent a check. American Life demanded a death certificate, A hand written affidavit from the attending ER doctor, newspaper obit, all medical records form the past 5 years and it was all done snail mail. I was told since the policy was purchase less than 2 years ago they were holding an inquest that would take between 3-12 months. So here it is 4 months later and just last week they sent for additional medical records from my husbands urologist. The man had CARDIAC ARREST!
I call almost weekly, keep careful notes of date, who I speak to, what is said and of course you never speak to the same person. This is obvious foot dragging. Last week when I told the person to whom I was speaking I felt that they were going to deny the claim, she said "Oh no, we're going to pay but are looking for more info"I laughed. They know more about the man than his mother. i'm trying to tie up all lose ends to this painful death and try to move on.
I give them one more month then I'm calling the Attorney General of Texas and their Insurance commissioner.
Beware! Do not buy American Life!

Received a call in the middle of my workday from [protected] from a woman claiming I had applied for a position with American Income via Monster.com and that she was interested in following up with me after having read my resume. Short story shorter - no, I had not applied and it was quite obvious she was clueless as to my professional experience, so she hadn't even glanced at my resume. Somehow I don't think that starting a process with two blatant and obvious lies is a good omen and I ended the call at this point. If this is how these people operate, I would not ever want to work with or for them.