American Income Life Scam | Complaints REVIEW: American Income Life, National Income Life dedicated to helping associates achieve their goals; feel safe confident & secure doing business with AIL & NIL, they will not allow a legitimate complaint to go unresolved. ALL COMPANIES GET COMPLAINTS - HOW THE COMPANY HANDLES THOSE COMPLAINTS SEPARATES GOOD BUSINESSES FROM BAD BUSINESSES. Waco Texas Nationwide

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*UPDATE : American Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and submit to independent investigation. American Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future.

Clay, I worked with you and with many of the other members of the Zophin Agency and you know as well as I know that the job sucks. Yes the pay is good but only if you have a super week bringing in at least $4,000 net alp than you will receive a paycheck of about 1000 bucks if everything goes well. But I dont want to work 12 hour days to do that. Yeah its hard work but its not worth it. Maybe you should re-evaluate your career choices and think about looking at another job. Why do you think I left. I was the youngest agent there. Its because of the unethical practices that the company itself employed. Not the people. The people are great couldnt have been better and the morale was kept up, but the job was just misrepresented...

You know but through all my doubt at the company the best thing that happened to me is I became an insurance agent with unlimited potential to create a wealth of opprotunity for myself. I among the other agents have the potential to turn that into something. Just not with this company. So do you!

darnel.h@xtremex.com feedback welcome

I work in the Middletown office and I'm ashamed that we hired a person with a work ethic like joel. I don't lie to my hires or my clients and would never encourage that. I would also never encourage anyone to lie to their employers. For example, dissconecting your phone while you're pretending to work, or hiding in a closet to avoid responsibility or worst of all not properly taking care of our clients because of a grudge you had against the company. You have certainly showed you character in black and white for all to see here in this forum and I think it's pretty obvious as to why you didn't work out at AIL.

I have been with AIL for many years and have read many similar "assinine" stories and complaints about this company. Most of them couldn't be any further from the truth.

During my very long journey I have witnessed first hand and have met thousands of people who have had their lives changed by this great company in many positive ways.

Everything is explained in great detail to everyone that is brought aboard to this company. No one forced "Joel" or other people to come aboard. It always come down to the same thing for people like "Joel," they are never willing to look themselves in the mirror and take full responsibility for their own actions. They are always looking to blame "others" for their failures instead of looking themselves straight in their own eyes and say "It is me, and nothing other than myself who is responsible for my own results." These people have to have pitty parties and use sites like this to reach out to others to try to justify everything they weren't willing to do to be suuccessful.

I feel sorry for people like "Joel," because until the day people like him are willing to change and grow-up, all of their past failures will continue to be the "roadmap" of their own personal "non-successes" for the rest of their lives.

American Income is a GREAT company. It allows anyone who is willing to step up to the plate and "take responsibility" for their own actions to be successful. I t doesn't discriminate against any race, religion, sex, age, or any professional backround. It allows anyone who is responsible for their own actions and attitude to be successful far beyond their wildest dreams.

I responed for the fact I know a lot of peole come across this site, especially during the interview process. I would hate to see someone miss out on a "Life Changing Opportunity," because they read the comments of people who will continue to be falures at everything they try in life unless they are willing to change.

This company has changed my life, I hope you are willing to keep an open mind and not "Buy" into this B.S. so you can have an opportunity to change your own.

According to http://www.markcolbert.com/banner.html, life insurance investigators were investigating American Income Life Insurance for, among other things, agent training procedures.

I am curious if the above poster (Dee in Appleton, Maine) is still with AIL. She mentioned 8 people leaving since she started. Turnover in some financial services companies is VERY high. People who are very positive about their company while they're there seem to lose this enthusiasm after leaving due (often due to lack of income) and no longer getting regular pep talks (which can border on cultic). The original poster (Joel in Middletown) alleged among other things:
* an unsolicited call for a job he had not applied for
* incentives for recruiting others
* a cattle-call interview/orientation
* misrepresentation income, benefits, job duties, and advancement opportunities
* deception of potential clients in order to get sales
These appear to be rather characteristic of a particular employment scam in the financial services industry that has proliferated in recent years. You can find out more about this scam, which strongly resembles the practices of MLMs (multi-level or network marketing organizations), at http://www.armydiller.com/financial-scam , including what to do if you've been "had".

Joel in Middleton certainly isn't alone.

Several months ago I was considering a position with American Income. In the course of my research, I came upon the critical comments posted to this site, and was scared to death.

With great caution, I continued the interview and training process, watching for the awful things I had heard about. In all honesty, I personally, found none. I work out of an office in Maine, and perhaps, like most large companies, different offices reflect different leadership. ... that said, I have to post these comments regarding my own experience: I have found the highest degree of integrity and professionalism within my office and the people I work with. They presented a balanced view of the job, and I have found everything I was told to be accurate. It is not an EASY job, and it's not for everyone. I have seen 8 people come and go since I started. I HAVE made money, MORE than I anticipated. The management/leadership HAS been honest and supportive.... my experience has been very, very positive. If you are considering a position with American Income... look at the position carefully, with eyes wide open. Use your best judgement as to the integrity of the leadership in your office... look at the responsibilities critically. If you have a sense of confidence in your own ability to do the job, and if you're stubborn enough to see it through the first (grueling) 90 days... it is a GREAT opportunity. Truely. My office number is: 1-800-711-6611. If you live in Maine or New Hampshire, you should call.