*UPDATE, Rip-off Report Investigation:
American Income Life / National Income Life Insurance Company gets a
POSITIVE RATING from Rip-off Report and is fulfilling its commitment to resolve all legitimate complaints and address representative issues. Rip-off Report has investigated the company for many months after they contacted us to resolve any posted issues and misunderstandings. With over 2500 representatives and millions of clients, American Income Life / National Income Life is bound to be the subject of a certain number of complaints about improper agent conduct, as well as product and administrative complaints.
Rip-off Report's investigation found such complaints, but importantly also found that American Income Life / National Income Life is committed to resolving such complaints quickly and is doing everything possible to satisfy its clients and representatives alike. The company also takes appropriate action against any of its representatives who are found to have conducted themselves improperly or unethically. We believe that the number of complaints against this company, whether through the Internet or other channels, is small when put into the context of its enormous size. Most large companies would never commit themselves like American Income Life / National Income Life has to Rip-off Report's Corporate Advocacy Business Remediation & Customer Satisfaction Program.
Read our investigative Report and American Income Life / National Income Life's commitment to 100% consumer satisfaction.American Income Life / National Income Life provides products and services through independent representatives, and has been providing benefits to families for over 50 years. AIL is rated A+ “Superior” by A.M. Best Company, its second highest rating, for overall financial strength (as of 6/07). American Income Life / National Income Life
www.ailife.com and also
www.WorkAtAIL.com provides life insurance and supplemental benefits to members of labor unions, credit unions, associations, as well as private clients in all 50 states, the District of Columbia, Canada, and New Zealand.
See why you should feel secure and confident when doing business with American Income Life / National Income Life
Read about Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program,..A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business. this program works.=====================
NOW TO THE ORIGINAL REPORT THAT WAS FILED =====================
American Income Life Insurance Ripoff Not real Interview Don't waste your time Framingham Massachusetts
For several months I've been getting emails and calls from American Income Life stating that they saw my resume on Monster.com and thought I would be a good candidate for a management position within their company.
The interview was basically a "cattle-call" meaning there were at least 50 people in the lobby waiting to interview.
I had a very brief interview with a Director named Jay and then was asked if I could sit in on a presentation about AIL. I listened to a Mr. Willy Hayden extoll the virtues of working for AIL and how insurance is a "recession-proof" business. I would state that most of us in that presentation were unemployed and looking for a "real job" with "real pay."
I then was asked back for a second interview with a Ms. Melanie Cohen. She seemed less sleazy than this Jay character. I actually liked her. But the fact was, she was not offering me a job either.
The fact is that AIL uses people by requiring them to put in hours, dictating the times people will work, and then not paying them any benefits or salary. It is an MLM, and probably one of the most driven ones I've had contact with.
I'm sure their system works, especially if you have no concerns outside of trying to make money,but the thing that bothered me was that instead of offering me a position, they were offering me an opportunity to be an independent contractor - and an opportunity to spend my money on gas to support thier business.
Everyone starts at the same level. There are no MANAGEMENT POSITIONS.IN fact, there are no positions.
The thing I can't figure out is why the IRS has not caught up with them because when you dictate hours and require someone to be at a location, then they are employees, not ICs.
The best advice I can give based on my experience, is to wait for a REAL JOB to come around. WHen something sounds to good to be true, it usually is.
S
somewhere in, Massachusetts
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