American Income Life Insurance
Reviews and Complaints

I too was called for an interview by an AIL rep who said she (Lady X) had my resume and was told by her director to set-up an interview with me. The next week, I arrived for my interview, if you can call it such, 15 minutes ahead of the appointed time. The process was impersonal--more like a cattle call (I was in a room with about 15 other "candidates", some of which were to be interviewed by the same Mr. X., and some to be interviewed by other staff (from an HR standpoint, I find this unprofessional to have candidates all "huddled" together. Anyway, after a 10 minute wait, my name was called and a Mr. Z (not Mr. X as indicated when I was first contacted) greeted me, and escorted me to his office. Mr. Z did not ask me the "typical" recruiter/HR questions, in fact, his approach was more like he was attempting to sell me a vacuum cleaner, or a used car. When he completed his "script", I asked exactly which position I am being considered for, but he too just like Lady X, never gave me a direct answer, but instead said, "well we'd like to see if everyone we talk to is a "good fit" for us, and if "AIL" is a "good fit" for every candidate, but then instantly he asked me, "how is your work ethic". Mr. Z then tells me that he is going to escort me to a conference room where he would like me to sit, interact, smile, take notes, and ask questions for AIL's overview of the company, and "try to be noticed". Mr Z said this overview is necessary to see "who is a good fit". At this point, my mind is turning on all cylinders. As Mr. Z and I walk to the conference room, he hands me a "personality profile form", and he tells me to complete this form in the conference room while I am waiting for the overview to begin. The profile is 4-5 pages. When I entered the conference room, there are at least 20 so-called "candidates" already seated, filling out their "profiles", and waiting for the overview to being. At this point, I asked Mr. Z to, "point me to the direction of the restroom before I get started with the profile and overview". Mr. Z walks me over to the restroom, and greets me good-bye with, "I'll see you after the overview and have a good day". I waited in the restroom for 5 minutes, then went back to the receptionist and told her, "I am unable to stay", and I left the building and drove away in my car. AIL, in my opinion, scams people to get them in the door to a "so-called" interview, but in reality, they are looking for telemarketers/sales people; however, they never disclosed this piece of information when they initially contacted me, or when they had me meet with Mr. Z. To ask "so-called candidates" to sit for a 1 hour overview of their company, fill-out paperwork, and "try to be noticed" is beyond comprehension from an HR perspective.

cancel my account please

I am cancling my account now

I never received an insurance policy and this premium came out for 6 months until I decided to cancel. They were referred to me by my mother. And I had faith in the company so I waited to receive my policy. It never happened, I was promised free dental discounts and everything. They got away with over 3 hundred dollars and some change. Scam!

I too was called for an interview by an AIL rep who said she (Lady X) had my resume and was told by her director to set-up an interview with me. The next week, I arrived for my interview, if you can call it such, 15 minutes ahead of the appointed time. The process was impersonal--more like a cattle call (I was in a room with about 15 other "candidates", some of which were to be interviewed by the same Mr. X., and some to be interviewed by other staff (from an HR standpoint, I find this unprofessional to have candidates all "huddled" together. Anyway, after a 10 minute wait, my name was called and a Mr. Z (not Mr. X as indicated when I was first contacted) greeted me, and escorted me to his office. Mr. Z did not ask me the "typical" recruiter/HR questions, in fact, his approach was more like he was attempting to sell me a vacuum cleaner, or a used car. When he completed his "script", I asked exactly which position I am being considered for, but he too just like Lady X, never gave me a direct answer, but instead said, "well we'd like to see if everyone we talk to is a "good fit" for us, and if "AIL" is a "good fit" for every candidate, but then instantly he asked me, "how is your work ethic". Mr. Z then tells me that he is going to escort me to a conference room where he would like me to sit, interact, smile, take notes, and ask questions for AIL's overview of the company, and "try to be noticed". Mr Z said this overview is necessary to see "who is a good fit". At this point, my mind is turning on all cylinders. As Mr. Z and I walk to the conference room, he hands me a "personality profile form", and he tells me to complete this form in the conference room while I am waiting for the overview to begin. The profile is 4-5 pages. When I entered the conference room, there are at least 20 so-called "candidates" already seated, filling out their "profiles", and waiting for the overview to being. At this point, I asked Mr. Z to, "point me to the direction of the restroom before I get started with the profile and overview". Mr. Z walks me over to the restroom, and greets me good-bye with, "I'll see you after the overview and have a good day". I waited in the restroom for 5 minutes, then went back to the receptionist and told her, "I am unable to stay", and I left the building and drove away in my car. AIL, in my opinion, scams people to get them in the door to a "so-called" interview, but in reality, they are looking for telemarketers/sales people; however, they never disclosed this piece of information when they initially contacted me, or when they had me meet with Mr. Z. To ask "so-called candidates" to sit for a 1 hour overview of their company, fill-out paperwork, and "try to be noticed" is beyond comprehension from an HR perspective.

AIL, in my opinion, scams people to get them in the door to a "so-called" interview, but in reality, they are looking for telemarketers/sales people; however, they never disclosed this piece of information when they initially contacted me, or when they had me meet with Mr. Z. To ask "so-called candidates" to sit for a 1 hour overview of their company, fill-out paperwork, and "try to be noticed" is beyond comprehension from an HR perspective.

I have been in management for over 25 years and if this woman called me back, I would not hire her. She presumes she knows everything in the business of hiring and if she did her homework she would of found that most Insurance companies DO NOT pay for your licence, they'd go broke. She judges the book by the cover. In the long run she will fail.

I received a call today to come in for an interview. I did research on the company after scheduling an interview time. Deciding to not pursue this employment I thought calling and canceling the interview was the appropriate thing to do, yes? Well, of course it's an automated answering, ok no problem. Enter the last four letters of the person last name- and each time it said, "there is no data for that entry" something like that. So I called back to leave a general vm..and guess what? Vm box is full. Really? Ridiculous ...

It doesn't make sense to me why you would write about your positive experience with this company on a complaints board? I think as part of your job you needed to write a positive review. Even when I worked at amazing places, I wouldn't go online - look for company complaints - then rebuttal them just for kicks.

weak

I am currently seeking employment with AIL in Springfield, IL. I go to my second interview today. My husband and my father-in-law both are Union workers and have additional benefits with the company. I took the opportunity to contact my husband's rep and talk to him on the phone. He was aware of the "scams" and said that each office is different. Some are underhanded and some work their way to the top the correct way. He also assured me that in Illinois, Texas, Indiana, and Michigan are all states that have some of the top State reps that ensure the correct protocols are followed.
I was offered a MIT(manager in training) position. I will get paid my commission and residual pay as well as my employees' commission and residual pay.
Today my plan is to get an employment contract listing how I am to be paid as well as job description and requirements. Whatever is not listed will be determined as not my/nor my employer's obligation. My previous job was hell, driving up to 1.5 hrs away to get $22 for a 20 minute appointment, just to drive home and send a fax (didn't even have a land line before that job), as well as drive an additional 1/2 hr away to drop off packages at FedEx. So I know my limits. And if this job doesn't FULLY meet MY requirements I am showing myself the door.
*** My advice is to get everything in writing upon the "hiring paperwork". If they don't have something prepared then tell them to call you when they do. If they really want you as an employee they will accommodate you completely. NEVER trust hearsay. Its just unprofessional and after all, the only person with your best interest is yourself. :) Although I do hope this job works out, minus the 2x weekly travel to the main office.

I totally agree with what the complaint said. Only difference is I worked in the Troy, Michigan office. My experience there was a carbon copy of the the complaint. Lead packs were so bad that it makes me wonder how the trainers can make as much as they say they do. I sold $2800.00 in policies and made $300.00 not the $1000.00 promised that included the bonus I was supposed to get. The training was bad, the lead packs were bad and the earnings didn't come close to what was promised. Anyone who gets a call from American Income life for employment run don't walk to the nearest fast food place and apply there. At least you get paid.

Most life insurance companies are going to be commission only and you will have to have a state license before you start - that's not a scam, it's a state law. However, each company is different in how they operate and some will reimburse you for licensing (if you don't already have one) once you sell so many policies, etc. Some will also have a base plus commission, but this is rare. A top salesperson can make alot of money with these companies, however, it is alot of work to do so.

Most of the Life insurance jobs are commission only and will require you to have your life license before you can start work. Everyone is different and some will reimburse you after you have made so many sales. This kind of sales job can be very lucrative, however, it is alot of work.

Unemployed for 21 months. Resume discovered on Career Builder. Phone call from an individual stating my resume was impressive and they wanted to schedule an interview. No job description was provided and one was requested to the private email of the caller [I requested directions - new location - and a 40 minute drive], no response. Dressed for success :-), crisp resume in hand, references as requested. Traffic nightmare, called two numbers provided to share this dilemma, no answer and one voice mail, but showed up on time due to the grace of God. Two others and I were available for this journey of four hours. Impressive marketing spill but a 50% kick back off potential sales - hmmmmmmmmmm. Over priced indeed. $587.25 in out of pocket expense, with an expectation of online insurance school, state mandated exam and licensing, background and appointment fee to be paid within two weeks of hire or on hire date. No money trees in my yard. You have to provide your own laptop for in-house presentations, don't have one. I will not lie to anyone and just perhaps I did not pass their profile test due to my ethical work practices. This opportunity cost money, more than I can afford. I am waiting for this evenings phone call to tell me if I qualify for the next round - hmmmmm - I don't think so. I will not sale my soul .. An informative day indeed.

Pacific Northwest Recruitee

Holy Crap! I had a scheduled interview with this company tomorrow morning. Note that I said that I "had" a scheduled interview. The negative responses about AIL seem to be written by moderately intelligent people with nothing more than a cautionary tale while the positive responses seem to be driven by ill-educated drones longing to sell me something that I do not really want, let alone need. I may be wrong and I may be right, but the person recruiting me for this "entry level management" position repeatedly mistook me for a female, my name is Stacy but I am a male, and during a brief phone call, twice told me that she could not find my resume, although she was still trying to do so, within the 300 resumes she had received that week. I playfully baffled her by asking her whether or not it was the resume boasting my Food Service Skills or the resume proposing my Truck Driving Skills that had made me seem a worthy candidate. She told me, in effect, that it didn't really matter which resume she had seen, but that she had been impressed by either or both and personally believed that I would be a good fit for their comapany. I kid you not. She sounded nice enough, but let's not fool ourselves... she would have invited me in for an interview with "one of her associates" even if I had admitted to her that I killed puppies during my last job as Head Puppy Killer at Puppy Killer Industries and that I had earned that position after proving my skillls and determination as Assistant Kitten Killer at Kitten Killer Industries... you get the point, right? Final point: Never work for a company that has the word "recruit" anywhere in its mission statement.

Again, stratuss11, thank you for proving my point. I always find it funny when, as you clearly state, someone who has only been in the business for a month claims to know what they are talking about. Congrats on the promotion, you will soon see that they hand them out like candy. As to the ONE blog stating that guy didn't work hard ignores the other hundreds that actually have something viable to say.

The original commentator for this post is clearly the typical, young, naive, inexperienced person that AIL preys on in their recruitment. Head and heart looks like it is in the right place but he/she is sadly misinformed.

Fist of all, the union member is not "required to sign a form stating they have been informed of their free and additional benefits they can receive." They get those regardless if you visit them or not. Secondly, most agencies (Colorado may be different) do not explain the commission/payout structure to prospective employees upfront. In fact, most of the posts on this and MANY other sites clearly show how agents are misled about the compensation package. Many agencies inform new agents that they are "salaried, plus commission" when in fact there is no salary component. Finally, your remarks, "Please stop blogging excuses about how you didn't want to work hard, or you didn't listen to all the details of your new job so it didn't work out" are indicative of the normal AIL retort to it's ex-agents. Just because someone left the AIL (for better opportunities elsewhere) doesn't mean that they didn't "cut it" or work hard. They just wised up to the sham that is AIL and decided they had enough. This is something that you will experience yourself in the next 6 months (since AIL has a 5% agent retention after 6 months). And when you leave, can we call you lazy and not hard working?

I am an AIL Regional Manager in southeastern TN and I have to say, your idea of what this company does is slightly correct but not how the agents make money. Yes, people get these benefits for free but when the agents set up and go to appointments they spends hundreds in gas (assuming they even get enough leads which often they won't) and they ONLY make any money if the people apply for additional benefits.. Now I can make money because I am amazing at this job and I am a not a regular agent but if you are, you better quit because there's not much money to be made. AIL is a great place but not if you want to make money as an insurance agent

American Income Life Insurance, Waco Texas, refuses to pay on paid policys and keeps a very large portion of your money when you drop a policy. They want a form signed to free them of liability before they send a check to the beneficiary, even after you send them your policy and all info. They rip people off, they are so dishonest.

Stop being stupid. My name is Ozzy. I founded this company. I love you. Don't complain

I stopped payment on Jan. 15th 2018 and they are still taking money out of my account! They rip you off run don't but insurance from American Life ever fro anyone reading this!

What has hppened as of 4/1/2010?

What has happened as of 4/1/2011?

raining and Development Manager-FT! (Downtown Tacoma, WA)

I just wasted 90 minutes on what I was lead to believe was in interview for a Training Manager position, but what it really turned out to be was this company in Tacoma Washington scam to recruit people to sell their insurance. Even during the pre-interview, I asked and insisted that I was not there for a sales position, that I was told I was being considered for Training Manager (See add below from craigslist)>

Your asked to stay for another interview, but that is actually their strong arm sales pitch, similar to a time share. I felt trapped, but finally had to get up and leave. I have a job, thought I was doing an interview for maybe a change. I told them I did not wish to spend all day there, I was on my lunch break, they told me 30 minutes tops. After 90 minutes, I had to leave. They told me that after beings a sales person, then I could be a training manager. BAIT AND SWITCH.

© craigslist - Map data © OpenStreetMap

(google map)

compensation: Please submit compensation requirements
employment type: full-time

What are we hiring for? We're hiring a team member for our Training & Development Manager Position. We are part of an international record breaking team that has a history of winning for over three decades.

Why us?

We promote from within. Seriously. All our managers and even executives started in entry-level jobs across the company. We encourage career development & don't hold people back. Our practice of cross-training supports lateral & vertical career moves.

We are fun. We take our work seriously, but never ourselves. We have a casual work environment.

We are growing. We have tripled in the last decade & just grew 35% in 2014. As we grow, more opportunities open up for our team.

We work as a team. Our work environment is open & collaborative. Everyone is "empowered" to own their job & we don't micro-manage. Initiative is encouraged & rewarded so you can run with your ideas.

We have a good culture. We care about each other & encourage each other. We also have fun on a regular basis. Seasonal parties, pizza lunches & associate awards are part of our rhythm.

We help our people grow. Personal growth & professional development is more than a mantra. We give our team members new opportunities to learn at each step. We also let people focus on what they are good at.

We pay well. In 2014 our top 10% of earners averaged $160, 330 and our top 5% did $221, 503.

Why you? Do you like to take ownership & initiative? Do you enjoy figuring things out? Do you feel good when you help someone? Do you like to talk with people & can you establish rapport easily? Do you have common sense? Are you decent on the computer? Do you like working hard & getting results? If you can honestly say yes to most of these questions; and a fast paced & sometime chaotic work environment doesn't stress you out...then we can teach you the rest!

How to apply: Send your resume & tell us what your top three strengths are. No fancy cover letter needed.

*Position is full time, located in Downtown Tacoma in the financial district & looking to be filled immediately.

THEY KEEP FRIGGIN CALLING ME! I TOLD THEM NO A MILLLLLLLLLLLLLLLIOON TIMES! WHAT DO I DO?!?!

I just received this following email:

Your Resume/Management Position

Attention Applicant,

Earlier this week I received your application / resume from one of the Job Boards that our company works with, (Monster, CareerBuilder, Hot Jobs).

However at this time the only contact information that I have is your email address as your phone number did not load properly.

I am interested in setting up a first interview with our Regional Director at your earliest convenience.

Please contact me Wednesday or Thursday at [protected] between 12:30pm and 3:00pm so that I can schedule your interview.

Sincerely,

Liz Horetsky

Human Resource Manager

AIL

702 Lisburn Road

Camp Hill, PA 17011

Phone [protected]

Fax [protected]

THANKS to all of you i replied back with a "NO thank you" I do really need a job but I don't remember ever applying for this company. Hopefully other people do the same and research for this website.

Just received an e-mail saying the EXACT SAME THING. I am certainly glad I went to Google and found this page. As before, I did not know what AIL was and of course started searching the internet to find out what AIL was. The email stated, " Attention Applicant,

Earlier this week I received your application / resume from one of the Job Boards that our company works with, (Monster, CareerBuilder, Hot Jobs).

However at this time the only contact information that I have is your email address as your phone number did not load properly.

I am interested in setting up a first interview with our Regional Director at your earliest convenience.

Please contact me Monday or Tuesday at [protected] between 12:30pm and 3:00pm so that I can schedule your interview.

Sincerely,

Liz Horetsky

Human Resource Manager

AIL

702 Lisburn Road

Camp Hill, PA 17011

Phone [protected]

Fax [protected]

any employer that would require you to put up over $200 to get a temp license is not a legit company. I have worked for many insurance companies and they did not require any money. they trained you and helped pay for testing. these jobs are like a pyramid scheme, they bring you in and then get friends in.

Just got a call today...After reading this I had to call back and cancel the interview. VERY disappointing. But hey I'm glad I read these posts before I went to the interview!

They May ahve gotten your cell phone number from a friend of your who worked there or a family member, if you posted your resume on any site for a job while job searching yer resume is seen around the world, anybody can have access to it and of course youll have you phone number on your resume or else how would an emplyer get ahold of you? honestly i think your blowing this way out of proportion and you need to take a chill pill! this is not a scam i know from personal experience, i am an HR manager here at AIL. and no im not just saying all thsai because i work here i say all of this because i have been behind the scenes and this company is not a scam in any way, they ask you if youd want to invest in it, you can say no its not liek they make you since you came to the interveiw they dont take yer social security number, and they dont take yer money and leave you hanging, if this company has been in business for so long they cant be a scam, dont you think if they were theyd be shut down by now? honestly take a fat chill pill and get yer facts straight before you come on here and run yer mouth about stuff you dont even know, yes we interveiw alot of people but does that mean that they all get hired? no, we have a 5 step interveiw process before we even hire you what scam would do that? a scam would juast hire you on the spot without getting to know if yer the person they need. you people who are coming on here and bad mouthing this company need to learn more about it instead of listening to people who have just as much info as you do and just make up stories because you have nothign better to do with your lives. Grow Up!

That's crazy. I was so excited about this job, too. They called me this morning asking to set up an interview tomorrow at 9:50 AM, & it was short notice, so I figured I couldn't make it anyway, but just to be safe, I searched the address along with AIL. All I found was scam sites. I went back to careerbuilder, and there was no AIL on the entire site. I am so happy I didn't follow through with this. THANK YOU EVERYONE! :D

Hey Rainfire, you still with them? I doubt you are.

that's my outlook...

Wow. This is a total and complete lie. I am amazed by some of the garbage people are allowed to post on the internet. When a person accepts a job for 100% commission, they have no one to blame for their inability to succeed but themselves. Its hard to look at oneself in the mirror and say, "I am a failure because I did not use my time or resource correctly." It would be much easier to blame an entire company for one's failure. For those of us who are intelligent, I will say this, the day you let the internet dictate your success and your destiny is the day you have surrendered your own ability to think for yourself. Never let anyone's poor experience keep you from achieving your goals. Remember that internet garbage is a one sided story. You may be agreeing with a lunatic . Who knows why this person was not successful. Perhaps he had anger management issues that could not be controlled. Or maybe, he was not a bright as he thought he was and would do better working as a w2 employee. Whatever the reason, it takes an angry vain person to post such negative garbage with the sole purpose of keeping your from realizing your ability. I would like to invite all readers to the ailife.com website to view the increase in stock and client base. I love the company that I work for and the clients that I serve. They are happy with their products and come from all different walks and backgrounds. From the businessman to the farm hand, I will always be there for you to handle your insurance needs. May God bless you.

Hey... it was FUN to phone the toll-free phone number on my email and (1) insisted on talking to Roger Smith. Or (2) ask to leave him a message. ((I mean he read all our resumes, wrote us all nice letters, surely he'd like to speak with us. Plus i wanted to ask him what was special about my resume.)) (3) asked the person answering if they believed their CEO in Texas of a $13 billion company was (a) looking at resumes in Canada; or (b) the letter was a 100% LIE, and asked them if I should respond to an email that is a 100% LIE. ...fun to hear the person squirm.

My name is Anthony Osborne, CFO of American Income Life and Regional Manager in Southeastern TN. Need help learning how to work your way up in this company? shoot me an email: anthony-osborne@utc.edu... I collect a salary of over a million per year and I can teach you the tricks!

Will all of the miserable people plesae stand up, so we can get together and feel sorry for ourselves and blame someone else for our missed opportunities. Let's join together with individuals who may be mentally insane or mentally challenged. Lets trust people we never met before. Lets believe in the writings that we read on the internet everyday. Lets base our entire lives on one persons experience.

Wow. What a sad soul. Another under acheiver trying to influence the general population to ease the pain of his failures. This is a total and complete lie. I am amazed by some of the garbage people are allowed to post on the internet. When a person accepts a job for 100% commission, they have no one to blame for their inability to succeed but themselves. Its hard to look at oneself in the mirror and say, "I am a failure because I did not use my time or resource correctly." It would be much easier to blame an entire company for one's failure. For those of us who are intelligent, I will say this, the day you let the internet dictate your success and your destiny is the day you have surrendered your own ability to think for yourself. Never let anyone's poor experience keep you from achieving your goals. Remember that internet garbage is a one sided story. You may be agreeing with a lunatic . Who knows why this person was not successful. Perhaps he had anger management issues that could not be controlled. Or maybe, he was not as bright as he thought he was and would do better working as a w2 employee. Whatever the reason, it takes an angry vain person to post such negative garbage with the sole purpose of keeping you from realizing your ability. I would like to invite all readers to the ailife.com website to view the increase in stock and client base. I love the company that I work for and the clients that I serve. They are happy with their products and come from all different walks and backgrounds. From the businessman to the farm hand, I will always be there for you to handle your insurance needs. May God bless you.

As for the person that canceled their interview, keep sitting on the couch eating twinkies. Did you even look at that growth the company is experiencing? Of course you didn't. You are one of those reality tv watchers who like drama. You love to look at the negative and never the positive. You did the person who wanted to interview a favor when you canceled your interview. You are far to weak.

Thanks for the warnings about this company. You've saved me a lot of frustration!

I figured this sounded suspicious when I got a call earlier this week. Luckily I had to cancel the "interview" due to the snow storm yesterday. I got a message to reschedule, but I will not even bother to call back. Thanks for sharing your experience. I'm Sorry that you had to go through that though!

Well I had an interview for AIL tomorrow at 9:30, but I wanted to do my research so I can come into the interview well prepared. But after reading the overwhelming amounts of disclaimers, I think I'm just going to cancel the interview, and spend the rest of this night watching movies...thanks for saving me gas.