SPECIAL UPDATE December 20 2011: American Income Life remains committed to 100% customer satisfaction and has drastically improved their business processes over the years to better serve their customers. American Income Life is truly dedicated to making sure ALL customers are happy. American Income Life continues to show customer service is of the utmost importance and they currently have no complaints!
To date, American Income Life has addressed and resolved all reported complaints, which have always been resolved to the complete satisfaction of their customers. American Income Life proves to be among the top members of the Rip-off Report Corporate Advocacy Business Remediation and Customer Satisfaction Program, as a Verified Safe Business.
American Income Life has remained actively engaged and improving the way they address customer service complaints. Rip-off Report has confirmed that American Income Life is no fraud, is not a scam and is of the highest integrity. As an active and current member of the Rip-off Report Corporate Advocacy Business Remediation and Customer Satisfaction Program we are happy to report that now more than ever American Income Life remains committed to customer satisfaction and gets our top Verified Safe endorsement.
*UPDATE, Rip-off Report REVIEW:
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 Company - The Geneser-Geneser Agency RIPOFF Best Description Mafia tactics!! Swansea Illinois
Well..I only wish my husband Jack and I had come across this web-site in March of 2004. My husband Jack began working for AIL at that time and I was working at a 6am to 2:30pm (what I wouldn't have given for those hours a year ago!!) marketing job that I loved but because the company was up and coming I was not making the money I hoped. After seeing the money Jack was making working for AIL (80 hrs a week but he was told not for long), I left the security of my job and went to work at AIL as well. The insurance industry was a new field for the both of us and as it turns out we are very good at it.
Did we make money? Yes..the commission checks and bonus checks we received were large..for several months we were averaging $8000.00 a month!!! In the second month Jack was there he wrote $18,000 in alp and he was at a 60% contract. We were promised it wouldn't be long before we could slow down and let others make the money for us. In the beginning we were given the best and newest leads to keep us hungry!!! But after 8 months those leads were given to the new agents and we were given junk!!!!
We witnessed many horrors while working there, too many to list but I will give you a taste...
Larry Geneser and Branden Genesers were the "owners" of this particular agency and once a month they would bring their thugs with them and pay a visit to our office and the one in St.Louis, Mo that they ran as well...Under much pomp and circumstance they would pass out our BONUS checks (money that was rightfully ours to begin with, it was a percentage of our commission that was held back). These meetings were a joke and I realized that instantly upon meeting Mr. Larry Geneser....He stood in front of us and boasted about his millions while he chain-smoked...
On several occasions I told my husband that Larry looked as if he had been on an all night bender and I could swear he had been smoking pot. This was later confirmed when a younger agent who left after us told Jack and I that Larry smoked pot constantly and had with several of the MGA's at his mansion in the Lake of the Ozarks...Interesting...
We witnessed Brandon Geneser beat up and break the nose of an agent who became visibly upset when his commission check was smaller than it should have been....When the police came they lied and said the agent threw the first punch...
Need I go on? I could but frankly just writing this is exhausting, depressing and somewhat hopeless...I have wanted to pursue some sort of action against Mr. Geneser and AIL but after reading all the reports I have read in the last few months about the company I figure theres not much hope in that or it would have been done by now.
So...Jack and I left the company..I in Jan of 05 and him in March of 05. We left sepatately so that I could get started making money with another agency to prevent total destitution.
We are now brokers with contracts with several reputable companies like AIG, Chase, Mutual of Omaha, Americom, Fidelity and Guarantee Life etc.....We help our clients choose whats best for them, benefits, price and product...We don't ever have to lie and know that when we leave a customers home we have done nothing but the best for them. We don't get bonuses...we earn the money we make by being paid upon issue of our clients policies and after a year our as earned commission balances are paid to us. We have a steadily growing client base of 322 clients and they all recieved a Christmas card this season and they get Birthday Cards too!! Why..because we are not ashamed of the business we did with them and fully expect to see them again!!!
This is how insurance agents should be and ONLY how they should be. My husband and I lost a lot of sleep over the practices that took place at AIL and although we never lied or cheated anyone ourselves we feel guilty simply by association.
If there is a lawsuit in place...We want to be involved..AIL owes us renewals and the peace of mind that they are put out of business for GOOD!!!!!!! H**l forget about the renewals lets just put an end to the mafia tactics of this company!!!
Jack and Neva
Collinsville, Illinois
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