American Income Life - Hiring scam

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Author
Location
Savage, Maryland
Review #392290 is a subjective opinion of PissedConsumer392290.
2 comments

A friend from who I had not talked to in a few years called me up and offered me a job interview at his company, dress professionally. I was looking for a job and was excited to go. I was back in school after doing security overseas for a few years. I didn't have much direct sales experience, and have never interviewed for a sales position before, so I wasn't sure what to expect, and when I got there, I wasn't sure if this "unconventional" interview process was standard for sales positions. Regardless, I have 7 years of waiting tables, which is definitely sales and customer service related, so I figured why not. It was really odd though.

I got there, and there were maybe 30 - 40 people already there, dressed well. Gave my resume to the administrative assistant... who looked like he was probably a sales agent or manager. Waited a short time for the "interview," which was 5 minutes long. I shared my interview with another prospective employee. It seemed very odd to share a job interview with someone else. The interviewer kept stressing that we needed a positive high energy attitude, and that they only intended to hire maybe 20 of the prospective employees there (this number later changed to 15). She explained the interview process will consist of that 5 minute interview, then a big 2 hour seminar, then a third phone interview later. In the seminar, the product we'd be selling was sold to us, then they went into crazy detail about the compensation we'd get. They kept pushing us to take notes, and it felt like they were trying to imply that they were definitely watching us to make sure we had the qualities they wanted. All the employees there seemed super happy and cheerful and friendly and excited the entire time, and kept talking about how much money they made. It kept being stressed that hard work is necessary to succeed (yes, I know thank you), and it felt implied that if you didn't succeed it was definitely because you didn't work hard. Kept saying how loyalty and hard work was important. I decided not to close off any opportunities so I stayed for the seminar and gave a loud testimonial as to why I felt this would be a good fit for me and what attracted me to the job, tried to seem eager and happy, but I was skeptical. One guy started getting choked up, almost cried when it came to be his turn to speak about his interest. Said he felt that this was where God intended him to be. The speakers had a placid smile, nodded and said "great!" Lol. Some of the prospective employees who spoke actually sounded very professional, I wondered what they thought about it all.

I felt like I was at a cult initiation.

Anyways, the compensation works like this if you're interested in hearing about it:

We were there to sell insurance to various unions' members. They stressed that there'd be no cold calling or anything.

If we sold 4 plans a week, we'd get $725 that week. A $300 weekly bonus was also promised.

2 plans = #175

After a few months you could expect to be promoted and you'd receive +5% pay, and you'd supervise 1-3 people, making a small commission off of what they sell.

Each promotion seemed pretty much like this. Slight increase in pay (I'm guessing pay refers to your commissions, as there is no base salary), and an increase in how many people you supervise, getting a commission from their sales. Seemed similar to those multi-level marketing meetings I kept getting invited to in college, except I wasn't selling energy drinks.

As mentioned before, no base pay, all commission. You also had to pay around $200 for training for a state license. I read elsewhere that other people paid up to $6-700 at this company for that license. I immediately wondered who was making profit off of this training and licensing procedure... I'm guessing the company. I'm very wary of companies that require up front training costs, I used to do some modelling, and there were many scam agencies that would appeal to your sense of vanity, charge you money up front for photos and model training, and would leave you high and dry without any jobs. I got the impression that this was similar, except instead of appealing to your dreams of modelling internationally and being super handsome/beautiful, they were appealing to you being a super duper professional, working hard, making money and calling shots haha. If you look online there is also a youtube video of "What a AIL house party looks like." Flashy cars and big houses and hot girls. Okay.

A number of people left during the seminar, the speakers did not try to stop them or anything. After the seminar was over, maybe 20 out of 40 people were left. I talked with my friend briefly, caught up a little bit, then he went back into business stuff. I remember him being a pretty good guy, so I wanted to give him the benefit of a doubt. It seemed like he was a bit brainwashed or something, everyone working there did. It felt like I was being sold a job, and they were trying to make me feel like I was trying really hard to get it. Anyways, I thanked everyone, and told them to have a nice day. Then I went home.

I got called 3 times by them later that night for my 3rd interview, didn't pick up the first 2, 2 voicemails, thought it was interesting they'd be so eager to call me. I picked up, conversation went like this:

Her: "Hi XXXX! This is YYYY from AIL! Wanted to talk with you and follow up on a few things from the interview!"

Me: "Hi, YYYY, thanks for calling. I think I might not be interested in taking the job at this time, but I really appreciate your time and consideration!"

Her: "You might not be interested, or you are not interested?"

Me: "I'm not interested, sorry."

Her: "Well, actually you weren't one of the people we chose, but we wanted to get your feedback on our interview process!"

(Ok, lol, then why did you call me 3 times, and double check that I wasn't interested? Don't lie to me lady, you offered everyone who went to the seminar a job, hahaha).

My impression was that everyone working there had super fake try-hard attitudes because they felt like they needed to to be successful,and if they didn't have an ear to ear smile plastered on their face, they were a *** lazy person with a bad attitude. They probably worked super hard and gave their all to the company, realized they're not making much money, start complaining about it, watch everyone else get super cliquey and hostile towards them, leave the company super angry and disgruntled. I imagine when they leave, the managers would tell the other employees that they:A) Didn't work hard enough or want it bad enoughB) Just weren't a good fitC) Maybe say negative things about them to get people to doubt their character.

I get the impression from forums online that the company is intentionally structured to promote MASSIVE turnover. Hire a TON of sales agents at no cost to the company (profit to the company since you have to pay for training), get them to do all the work of driving around and recruiting, sell a few plans and quit when they realize that they're not making money and they're being used. I see other employees online that give testimonials about how awesome the company is, and they are also slightly disrespectful to the people who disagree, telling them that they are obviously lazy and that "not everyone can be a super awesome businessman like me." I notice a lot of the posts that are defensive of the company are copied and pasted from forum to forum, and sometimes are pasted twice in the same thread! Former employees have said that they forced employees to go around posting these things, and that other people in the company inflated their ratings on various websites intentionally. This seems clear to me from my observations. I'll say this now, I intend on pasting the review of my experience on many other sites, because it seems to me that this is a pyramid scheme scam intended on bilking people who are not familiar with actual insurance sales jobs.

My advice to you people is to stay away from this place. If you work there currently, GTFO if any of this stuff rings true to you. Thanks for reading, and good luck to you job searchers out there!

nikalseyn
Columbia, Kentucky, United States #758227

You said it all, not just about this particular company but many others I have seen and heard about. If it sounds too good to be true, it usually isn't as they say. Hope your missive will help others.

Anonymous
#758197

PS - Author of this comment here. I imagine I will soon see folks such as NiceGuy and Steve L posting, saying that "Yeah this isn't for everyone! You gotta be a super duper awesome dude and work hard to make the big boy money! You have to be thick skinned and mentally tough to succeed!" Yeah no kidding, thanks for the wondrous advice! So that's what I've been doing wrong this whole time, LOL. I was looking for a handout when I was sitting in the desert in Kazakhstan watching out for camel spiders 70 hours a week. I was probably just half *** it transporting up to $4 million dollars a day for an armored car company in DC for 65 hours a week. I'm sure when I was eating rice and salt, getting shot at in an unnamed South East Asian country protecting doctors and journalists I probably just didn't want it bad enough.

Shut up. Die in a fire. I'm not so easily manipulated. I was so angry when I got home I reported you to the FDC and to the MD State Insurance Commissioner. Hope they take you losers down.

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American Income Life in Columbus, Ohio - Bill went sky high very fast

From the start about 5 salesman came each time it was more money know it's very high been trying to set a meeting with last salesman but he can never show when he says he will very upset fill like I have been taken like a fool

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Author
Location
Columbus, Ohio
Tags
Reason of review
Not as described/ advertised
Preferred solution
Let the company propose a solution
Review #1578255 is a subjective opinion of poster.
0 comments

American Income Life - Good experience

5.0
Details

This company is amazing the goal is getting families protected. I have a policy myself and I have worked for AIL before its not an easy business to get into but it is well worth it.

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Author
Review #1548613 is a subjective opinion of PissedConsumer1548613.
0 comments

American Income Life - Cash value not returned

1.7
Details

I live out of the U.S. and the person who handles my business affairs and has Power of Attorney has been trying to cancel my policies and get my cash values returned has had no success. This is the last letter she sent certified mail. Please contact her.

May 8, 2019

Christopher Hernandez

Hernandez Agency

American Income Life

PO Box 511292

Milwaukee, WI 53203

Re: William J. Zoll account # {{Redacted}} (and all others)

Good afternoon, Christopher.

I received your letter in the mail today offering to reinstate the policy because the payment lapsed.

All accounts were to have been cancelled and any money paid into them returned. I contacted three times to have this done. The second time was on March 28, 2019. I again stated that I wanted all of these cancelled because it is not in the best interest of William Zoll. All you do is take money from him and the payout is not anywhere near what he puts into them. On that date, I was told that I needed to contact them (AIL) back the next day (this was in the early afternoon) because the cancellation department was not open that day.

The next day, I called no less than eight times and was put on hold for over ten minutes each time. I called back on Monday, April 1. This time, I called from a different phone. Amazingly, it was answered immediately. Did my caller ID show up on Friday, so it would not be sent to cancellations?

I was told by Mr. Zoll that there was an office in La Crosse, WI. I went to that office and the signs were taken down. I went to a neighboring office and was told that they just up and left one day. They gave me phone numbers for the individuals that were working there because packages were being sent to AIL, but no one to collect, so they dropped off at their office. I called both numbers. One was disconnected and the other had message that mailbox was full.

I then did research online and found MANY people trying to cancel and getting the runaround. They were trying to cancel for the same reason. I’m not going to go into everything else that is being said. You can look it up yourself.

Regardless, Mr. Zoll would like all money sent in to you for these accounts refunded immediately. He already had to put stop payments on these accounts so that you (American Income Life) would no longer be able to take money out of his accounts.

We expect the money to be sent back for all accounts within ten business days from today.

Thank you.

William J. Zoll by Jolene Lien, His Power of Attorney.

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Author
Cons
Not having my money returned promptly, Being put on hold repeatedly
Reason of review
Poor customer service
Loss
$4500
Preferred solution
Let the company propose a solution
Review #1530697 is a subjective opinion of poster.
0 comments

American Income Life - End my poliza

Please cancel my poliza ##15150098,inmidate. thanks.

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Author
Reason of review
Return, Exchange or Cancellation Policy
Review #1488695 is a subjective opinion of poster.
0 comments

American Income Life - Will it pay claim

1.0
Details

My policy says American pays $100.00 for each surgery when in the hospital. I had 2 different surgeries, lower back neck. American has denied both claims

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Author
Review #1467163 is a subjective opinion of poster.

American Income Life - Unprofessional

Thank you for reaching out to American Income Life. We’re very sorry to hear about your mother’s passing and would like to offer our sincere condolences to you and your family. We apologize for any inconvenience this refund issue has caused you and are currently in the process of refunding your money for both Lashonea’s and Kenneth’s policies. The refund will go into the bank account we currently have on file and will be processed tonight. It will take anywhere from 24 to 72 business hours to be deposited into your account. If you would like more information or details please call our Customer Care number at 1-800-433-3405, Monday – Friday 8:00 a.m. – 4:30 p.m. CST. Thank you!
Author
Review #1451755 is a subjective opinion of poster.
0 comments

You took money from my account without me approving it and then I talk to you about it three days ago you seen that you took money and you still haven't refunded I told you that I just lost my mama and I need my money so that I can get on the plane you have not gave me the money that you owe me I'm asking for my money you said you would get on it you haven't now you're saying you're close it is 2:41 I'm just now getting to get off work and so you should still be open or if it's 2:47 excuse me y'all should still be open every time I call back to back and send that I reached during the wrong office hours and that I can leave a message but there's no way I can leave a message except for now

American Income Life - SCAM COMPANY IN LOUISVILLE

Thank you for your feedback. We were unable to locate your phone number in our recruiting database but if you would like to add a different phone number to our “do not call” list please send it to AILfeedback@ailife.com. Regarding your reference to a pending lawsuit, we are in no way affiliated with Louisville Inc. nor have any knowledge of a class action lawsuit.
Author
Reason of review
Poor customer service
Review #1429141 is a subjective opinion of poster.
0 comments
1.0
Details

This company uses throw away or recycled numbers to contact individuals off of job sites. They lie about the name of their company and what jobs they have. They use several different names and go by several job descriptions. The company located in Louisville is a SCAM. Please be aware that this company is already under review and investigation for improper Misrepresentation of accredited companies. There is also a class action law suit in order for address :

10000 Shelbyville Road, Suite 211 Louisville, KY 40223

going by the name “Louisville Inc”.

Be aware! Do NOT apply!!!!

LINK: https://whocallsme.com/Phone-Number.aspx/8122801360

American Income Life - Im trykng to cancel

We have attempted to contact you by phone however, we were unsuccessful and have emailed you at the email address provided. Please contact our office using the information in the email and we will be more than happy to assist you.

Author
Review #1349542 is a subjective opinion of poster.
0 comments

Reached after hours this is 24 hour service dont get that Sarcastic

American Income Life - Horrible customer service

Hello Mrs. Smith,

We’re very sorry to hear about the situation regarding your policies. They have been cancelled as requested and it is our understanding that your agent has contacted you to resolve the matter. If you have any further questions or concerns, you may contact our office at 1-800-433-3405. Thank you and we apologize for any inconvenience this may has caused you.
Author
Reason of review
Problems with payment
Review #1341396 is a subjective opinion of poster.
0 comments
1.0
Details

I called and cancelled my insurance twice and still they are taking money out of my account which now has my account overdrawn by 320.98 they refuse to refund me I suggest no one sign up for this insurance!!!

Contact American Income Life Customer Service

Mailing Address:
American Income Life
1200 Wooded Acres
Waco, Texas 76710
United States
Phone:
(254) 761-6400
All American Income Life Contacts

American Income Life - My payment will be late

Thank you for reaching out to us. We’ve attempted to contact you without success. Please reach out to our Customer Service Department at 1-800-433-3405 for assistance so that we can help resolve your payment issue in a timely manner.
Author
Review #1325740 is a subjective opinion of poster.
0 comments

Need to change payment date so we may keep insurance.Payment date is Tomorrow ,10,the of month .I don't have money until 17th

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