American Income Life Insurance reviews and complaints 1
View all 145 complaintsAmerican Income Life Insurance - scam and fraud
My name is Jason. Before you concider employment with this billion dollar company, I ask you read this review I have posted as it may save you MUCH of the aggrivation, time, and money, that it cost me. I did not take the time to type this up because I have way too much time on my hands, I simply typed it because I want others to learn from my "and others" crucial mistakes. I was first hired with A.I.L in "N. Royalton Ohio, " about the end of July 2008. I was promised riches as long as I was a go-getter, and was willing to work long hours. I was in construction for most of my life, and concidered myself very capable of both of these. Apparently, they agreed as I was hired rather quikly, "just as everyone else was with no experience in sales once so ever." I sacrificed EVERYTHING for this job. EVERYTHING in my life was put on hold so that I could give this job the attention I THOUGHT it deserved. I was told that I would be paid training, so that it would be easier for someone like myself to make the career change. The state exam for your insurance license is not easy, and you do have to pay for it out of pocket everytime you fail by the way. It took me only twice luckly. I spent both time..."about one month" and money "about $500" after all the application fees and whatever else to obtain my insurance license. Once I finally obtained my license, I was given a 4 page script that i had to memorize, word for word! I did not like the fact they didn't tell me about it at first, but hey...i'm a "go-getter." So i sucked it up, and memorized it. This took me an additional 3 weeks to do "for free." Once I acheived this, I was put in a one week training class that was NOT PAID. When I mentioned the fact that I was told I was going to be paid for training, "hurting for some money by this point as you can imagine, " I was told I misunderstood, as the class is paid for, not me. I am not a stupid man! I know what i was told! In fact, if it wasn't for that one little detail about the job, I probably would not have taken it. They also told me they did not like me asking questions and pretty much told me to shut up "in there own words." So just like before, I sucked it up and kept going. If you play poker..."I was pot invested, " I had no choice. This is where those "LONG HOURS" started. We would start class at 9 oclock, got out at 4. Then I was instructed to drive to wherever my manager was to sit in on presentations of the bennefits. My first "attempt" at a presentation was at 9 o'clock the same night of my first training day. I did not get home until 11 0'clock! "FREE MIND YOU!" 9 to 11...whats that? 14 hours!?!? When I was dropped off back at my car, I was instructed to go home and read my script more, rather then get some rest for tomorrow morning. The next few nights were the same, not giving me anytime to study any of the material given to us "AND EXPECTED TO KNOW, " in class. So about half way through the class week, I was told about all the postings from former employers and anyone who was/is affiliated with the company in any way shape or form. 95% of what I read was BAD! And I read alot! No one had anything good to say about this company. I guess i'm not that smart of a man, other wise I would have found this on my own, way back when I was hired! HAHA...jokes on me I guess. Anyways, the last day of training class was...actually today October 2 2008. The class had ended at 4, and as soon as I walked out I was fired by my manager because MARCUS SMITH didn't have the balls to do it himself, even though he was standing right there. I was fired because someone overheard me talking about the sight with the same person who told me about it. We were both concerned "AS I'M SURE YOU CAN IMAGINE!" Now wouldn't you say it's disturbingly ironic they fired me with no hesitation at all once they found out I knew about the sight/sights? They also said they didn't like the fact I wasn't willing to work 15 hours a day for training even after all i had a acheived thus far! Simple Common sense will tell you that is no way to efficiently train someone! Please...do your research! These people are very good at what they do, and somehow scam thousands like myself. I am a very religious christian "AS THEY CLAIM TO BE, " and DO NOT want this to happen to anyone else, even though I know it will. All the numbers are in black in white if you just look for um. They have a rediculous turn over rate of 95%! Absolutly no one stays with this company unless their dad is an S.G.A. who pays um a rediculous amount of money out of pocket. Of course its your decision whether or not you listen to me...I pray to to the allmighty Jesus Christ that you do.
The complaint has been investigated and resolved to the customer’s satisfaction.
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I received an email a while back from someone from here. I was thinking it was another recruiter so I emailed him back and said that I would be interested. I than received a phone call from a lady and I couldn't understand what company she was from but I understood the person's name that she said that I had emailed about a job. She asked if I could come in for an interview and I said what day and time and she said 6:15pm tomorrow. I kind of thought it was weird that a recruiter would be doing interviews at that time but said yes. She said that she would email me the information. I checked my email right away because usually recruiters are fast at sending the information. I didn't receive an email yet so I went through the emails that I had sent recently looking for the name of the person that I had emailed. I found the person and then started doing some research on the company. I then emailed him and said that I never received the information about the interview yet. I also looked up the phone number that had called me and found out that it was a cell phone. I than started thinking that what recruiter would call me from a cell phone and why haven't I heard anything back yet. I then found this site and started reading all of the comments In the mean time I finally got the email and it seemed really unprofessional. Needless to say I am not going to spend my time and gas and money going out there. I live over an hour away and would have to pay toll. I will just wait for something legitimate to come up.
Got a call from [protected]
answered, but no response, sounded like one of those telemarketing calls where they speed dial several numbers and talk to the first one who answers.
Have my resume, and phone- out on a few sites. After a very (gut feeling) weird call last week about work, I quickly googled this phone number and got all these negative replies.
wow Funny thing the internet- type in anything you love and the word "scks". Read carefully, you'll find a lot of negative, BUT, some positive too! I could find NOTHING positive about Marcus Smith, or AIL
I'm taking courses now and have not yet completed them. The courses are very long and require sacrifice of time as I am willing to do. Needless to say it seems a low percentage of people actually pass the exam the first time. I already payed 150.00 dollars of my money to take this course and I am not guaranteed employment. At this point I do not know what to do keep sticking it out and studying or just forget about it all together. I do not want to be cheated out of anymore of my money so what should I do? It does seem too good to be true but who knows, I just think they do not give you enough time to actually study and learn.
9/16/14: Everything that was said here about the 1st phone call was the truth, except a guy named Jared called me. Set up a group interview (which I never heard of before), very little details would be given (which is a HUGE red flag), he was reading a script, and wanted me in @ 9:30a. After seeing the Hoover operation in N. Olmsted, I second guess all the Internet jobs( I walked out of that a few funny words for the Operation Manager). When Jared from AI called, have been awake 24hrs+, driving through construction on the highway, and working at that moment. As he's reading the script, I'm writing it down, and I'm driving through road barriers @ 60mphs per hr. My speech was stuttered, my information was jumbled, poorly presented myself, and I slightly questioned my overall condition after the phone call. He assured me it was ok when I told him about my conditions but the funny thing about this conversation was he kept reading the script. The only other conditions that could of made that conversation more worse for me was hot, sticky and muggy but Jared said something like, " I sound like a well put together individual, I carry on a great conversation over the phone, and after careful consideration I could become a key member of the team". I don't remember or care what the script said, it would have been nice if he would of had more time to answered more of my questions. We could of saved each others time if he could of at least told me this is an insurance sales job from the start, when I asked him. Masking it with the terms, " working with union workers families" or what ever was the exact wording was far from insurance sales. Insurance sales is rough work, I understand. I don't deem it a moral career. I'm not the type of person to con people with crafty word play. I would be putting a face on their product and my reputation is way to good to sell a home-brewed product. With all being said, I think I will stick to the ### job i already got. Maybe if the economy was doing better, this job would be fine. I know DOW might of went up the last few days but it doesn't boost the nation's job market. I've been searching for good job in the Cleveland area for well over a year, why would anyone buy insurance when I haven't had a decent job offer since 05'.
I have been with the company for almost a year now. I have 3 kids and I am making well over 6, 000 per month. I could probably do more but I basically take weekends off for my kids. This is a real opportunity if you focus and you are hard working. I love it here. The people, the atmosphere. I have owned my own business and you don't know hard work until you have sacrificed everything and see no return. For any opportunity you will need to make sacrifice. At least with AIL, I work hard but my kids are well taken care of financially and I have hope for the future. They tell you in the interview, this is hard work. If it were easy, everyone would be doing it. Cream always rises to the top though.
Conor Tilow of the North Royalton, Ohio Americon Income Life is there current scam artist as of 8/5/2014.
BEWARE This company is a scam and Conor Tilow of North Royalton is one of the people pushing the fraud!
Received a call today and he had me set up an interview to come in tomorrow. He was not a very good salesman as he sounded like he was trying to pull a fast one.
Most likely wanted me to come in the next day so I would not look at these reviews!
Glad this is the first thing to come up on Google when you type in American Income Life.
I literally just received a phone call from a "Christina" stating they loved my resume! I set up an interview for this upcoming Friday at 9:30 a.m. I went to Google the address and saw this page in the search results! THANK GOD that I read everything! I called "Christina" back and a huge red flag went up when her voice mail came on and it was her number NOT her name! I am sorry, but any respectful big business would have their employees have their name recorded NOT just a standard greeting! She also told me to wear a suit! No, I am going to show up in my every day street close! I'm calling Monster.com and reporting them!
Its not a scam exactly bc the product is actually pretty good. However, the hiring and treatment of the agents is awful. I didnt even have a very poor experience working with them, but it was their ethics that drove me away. They do hire absolutely everyone, make you go through training and take exams for your license all of which is out of pocket. They mislead you on the pay. When you start you dont necessarily get the "best selling markets" so you have a rough time making sales, and then they make you sucker in more people to come work for them. I worked in the Denver office and the management is horrible! They are rude, even to the point of being sexist, bc they know they'll just be getting a new batch of "agents" coming in. Definitely dont work for AIL! Its not worth the stress, mistreatment, and costs
I apologize, I didn't read the end, I just assumed you quit by all your complaining and whinning. Looks like they did screen you out.
Can you tell me how you are a go-getter? You can't spell, It took you months to get through training, (it takes go getters 2-4 weeks to finish everything), all you did in that whole comment was complain and talk about your feelings and the kicker is after you finished starting your career YOU QUIT. Will you please explain to me how you can go through all that work just to quit and then call yourself intelligent? Please tell me how you possibily think you are smart by any degree.
Michael Jordan didn't complain about his feelings or all the time he played basketball for free, he was a go-getter, he would scoff at you... I scoff at you, the only thing AIL did wrong was give you a chance, they should have screened you out.