• Report: #171640

Complaint Review: AIL Alig International

  • Submitted: Fri, January 13, 2006
  • Updated: Wed, May 24, 2006

  • Reported By:Vancouver British Columbia
AIL Alig International
5945 Kathleen Avenue Burnaby, British Columbia Canada

Altig International & American Income Life are dedicated to helping their associates achieve their dreams, and will not allow a legitimate complaint to go unresolved. ALL COMPANIES GET COMPLAINTS, BUT HOW THE COMPANY HANDLES THOSE COMPLAINTS, SEPARATES GOOD BUSINESS FROM BAD BUSINESS

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

*UPDATE EX-employee responds: hmmm

*UPDATE Employee: You are off target, Aaron.

*Consumer Comment: Get with it Alan - I was there - Alig/AIL has earned the slag.

*Consumer Comment: Get with it Alan - I was there - Alig/AIL has earned the slag.

*Consumer Comment: Get with it Alan - I was there - Alig/AIL has earned the slag.

*UPDATE Employee: Plesase do some research before slagging us!

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Rip-off Report Investigation:: Altig International & American Income Life get a POSITIVE RATING from Rip-off Report and are fulfilling their 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 issues and misunderstandings being posted by competitors. With over 600 representatives and millions of clients, Altig International & American Income Life are 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 Altig International & American Income Life are committed to resolving such complaints quickly and doing everything possible to satisfy its clients and representatives alike. They also take appropriate action against any of their 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 Altig International & American Income Life have to Report's Corporate Advocacy Business Remediation & Customer Satisfaction Program. Read our investigative Report and Altig & American Income Life's commitment to 100% consumer satisfaction. www.altig.com provides supplemental benefits and insurance program management services for labor unions, credit unions, associations, and private clients through American Income Life. Altig International has more than 600 licensed associates who serve millions of clients in the U.S. and Canada. Endorsements and praise for Altig International are available for review at http://www.altig.com/OurCompany/Praise.php. Altig International & American Income Life's business opportunity is open to candidates from all walks of life and all Altig associates are eligible to participate in our specialized growth programs including training, mentorship, personal agency building and leadership developmentwww.altig.com/OurAssociates/index.php..


See why you should feel secure and confident when doing business with Altig - 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. ======================== ======================== American Income Life - Alig International Definitely a Scam I got out soon enough. ripoff Burnaby British Columbia Luckily I saw through the scam at the 'interview' stage, but can confirm much of what has been written about American Income Life,(otherwise known as AIL, or Alig International.) I was laid-off shortly before Christmas without a severence package, so when I recieved the email saying someting to the effect that Alig International was interested in my resume, I was quick to set up an interview. I went through several interviews, all went stunningly well, I was repeatedly congratulated on my progression to the next level. Eventually I wound up in a room with several others some of whom didn't speak english entirely well, and a very young, not seemingly well educated girl made a presentation that gave me the following impression: Base Salary was 32,000+, the company was expanding, and leads were provided. So far so good. Subsequently, during a further interview the next day, I asked the questions that I should have asked previously: Turns out: No salary, the position is actually self employed, the charge $940 over the course of 5-6 weeks for insurance certification during which time one has to attend at the companies offices. I told them off and left. As other postings have stated, they may well make most of their cash from the money paid for training. I've written to the BC ministry of labour to report them. In closing I should say that I too was taken in by them and I feel for those who were financially harmed by them. I only just avoided that experience. Luckily I didn't have the money, because if I did I might have gone for it! Aaron Vancouver, British Columbia
Canada Click here to read other Rip Off Reports on American Income Life Insurance

This report was posted on Ripoff Report on 01/13/2006 01:47 PM and is a permanent record located here: http://www.ripoffreport.com/r/AIL-Alig-International/Burnaby-British-Columbia-V5H-4J7/Altig-International-American-Income-Life-are-dedicated-to-helping-their-associates-achie-171640. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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Updates & Rebuttals

#1 UPDATE EX-employee responds

hmmm

AUTHOR: Frank - (Canada)

The point here is:



Although you are an independent contractor, you are still representing AIL.



I am not going to debate wether you are an honest person or not, but you seem like it; nevertheless, many people representing AIL are not.





A chain is as strong as its weakest link...enough said.
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#2 UPDATE Employee

You are off target, Aaron.

AUTHOR: Alan - (Canada)

Aaron;



You're off-base, my friend, although I must commend you for your obvious grasp of a logical debate. I also have noticed from your responses that you seem to be very intelligent. which brings me to my next question...



What exactly was the issue you had with AIL / Altig (we are not in any way related to AIG - by the way)? How were you mislead? If you were promised a base, whoever did that was wrong, as I stated.



We have never, to my knowledge promised anyone a base salary (and I am involved with recruitment). We do tell people that they would be 'independent contractors' and either successful or unsuccessful based upon their own efforts.



Also, if you bolted before fully progressing through the interview process, where are you getting your info from? Sounds to me like third-party stories and conjecture... As far as your assumption that I get paid to disseminate information - you're completely wrong. I'm just tired of people judging things based on heresay.



One of our new hires is, in fact a lawyer, who thinks this is a great opportunity for success; would someone from the legal profession get involved in something that could potentially harm their future? I think not.



As far as your comment about generic, hairspray-encrusted sales pap. I haven't used hairspray since the early 80's, in fact my head is now shaved. But I digress.



If someone is telling me to do 'A,B,C' because it will make me successful, it seems logical to me to do 'A,B,C'.Especially if the person telling me to do it has the credibility of a six-figure income behind them. There is a reason why successful business people sound like they are spouting rhetoric - because it has made them successful (duh!).



Aaron, if you can provide me with a better opportunity, please point me in that direction. I have an open mind, and am constantly looking for bigger and better opportunities. If you know of one (ie: what you're doing now) that can provide a six figure income for my family and heirs (and I have the opportunity to finish a medical dgree in the fall) please, please, please let me know. NOTHING I have come accross yet offers me the opportunities that this company does, but I'm not married to them. I have always tried to keep an open mind.



On the issue of being a 'conqueror'; well, maybe I am, maybe I'm not. The truth about the world we live in, my friend is that there are winners and there are losers. Personally, I prefer to give myself the greatest opportunity for success, rather than be relegated to working for a paycheque every two weeks while I watch the boss get rich off of my efforts.



At least with this opportunity, I can get paid for my efforts to a level where I don't feel I'm being cheated. AGAIN, I reiterate, if you can offer me something better, please do so. I would love to get on board!



Personally, I feel I have wasted too many years of my life building someone else's dream for them, now it's time for my wife and I to realize our dreams (I owe it to her!).



Aaron, no hard feelings, you are obviously an intelligent person, but please, form your opinions based upon your own research (and from what you've said, it seems you need to do more), not upon what I've said, what others have said, conjectures or heresay. Bottom-line; no matter what one does in this life, right or wrong, someone inevitably will have a problem with it. Be smarter than the gossip, my friend.



All the best!
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#3 Consumer Comment

Get with it Alan - I was there - Alig/AIL has earned the slag.

AUTHOR: Aaron - (Canada)

Clumsy try Alan,

I did my research - I was there, remember? I was lied to, and had my time wasted by Alig/AIG like so many other people all over the continent. Read the reports Alan. Reputable employers train their employees at their own expense, but more importantly, they do not mislead prospective employees as the terms of employment. This is commonly referred to as ethical conduct, Alan.



In my current position, for example, I've been given something like $1500 paid training, all of which is valuable to any employer including my own. Your argument to the contrary doesn't follow. Moreover, the terms of my emplyment were clearly laid out, and are adhered to. That's simple honestly, common sense, and good business practice.



Alig/AIL lies to prospective employees because they have a great deal to hide. Have you ever wondered why there are so many ripoff reports on AIG/Alig from employees and customers alike? No doubt the question hadn't crossed your mind, filled as it is with the generic hairspray-encrusted sales-pap you were reciting in your last few paragraphs.



My guess is that Alig/AIL has at least one employee whose job it is to attempt to rebut the countless reports of Alig/AIL dishonesty/fraud/misrepresentation etc. I suspect that's you 'Alan'. You work for what can only be described as a scummy outfit. Granted, Perhaps it's a good fit for 'conquerors' like you.

Aaron
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#4 Consumer Comment

Get with it Alan - I was there - Alig/AIL has earned the slag.

AUTHOR: Aaron - (Canada)

Clumsy try Alan,

I did my research - I was there, remember? I was lied to, and had my time wasted by Alig/AIG like so many other people all over the continent. Read the reports Alan. Reputable employers train their employees at their own expense, but more importantly, they do not mislead prospective employees as the terms of employment. This is commonly referred to as ethical conduct, Alan.



In my current position, for example, I've been given something like $1500 paid training, all of which is valuable to any employer including my own. Your argument to the contrary doesn't follow. Moreover, the terms of my emplyment were clearly laid out, and are adhered to. That's simple honestly, common sense, and good business practice.



Alig/AIL lies to prospective employees because they have a great deal to hide. Have you ever wondered why there are so many ripoff reports on AIG/Alig from employees and customers alike? No doubt the question hadn't crossed your mind, filled as it is with the generic hairspray-encrusted sales-pap you were reciting in your last few paragraphs.



My guess is that Alig/AIL has at least one employee whose job it is to attempt to rebut the countless reports of Alig/AIL dishonesty/fraud/misrepresentation etc. I suspect that's you 'Alan'. You work for what can only be described as a scummy outfit. Granted, Perhaps it's a good fit for 'conquerors' like you.

Aaron
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#5 Consumer Comment

Get with it Alan - I was there - Alig/AIL has earned the slag.

AUTHOR: Aaron - (Canada)

Clumsy try Alan,

I did my research - I was there, remember? I was lied to, and had my time wasted by Alig/AIG like so many other people all over the continent. Read the reports Alan. Reputable employers train their employees at their own expense, but more importantly, they do not mislead prospective employees as the terms of employment. This is commonly referred to as ethical conduct, Alan.



In my current position, for example, I've been given something like $1500 paid training, all of which is valuable to any employer including my own. Your argument to the contrary doesn't follow. Moreover, the terms of my emplyment were clearly laid out, and are adhered to. That's simple honestly, common sense, and good business practice.



Alig/AIL lies to prospective employees because they have a great deal to hide. Have you ever wondered why there are so many ripoff reports on AIG/Alig from employees and customers alike? No doubt the question hadn't crossed your mind, filled as it is with the generic hairspray-encrusted sales-pap you were reciting in your last few paragraphs.



My guess is that Alig/AIL has at least one employee whose job it is to attempt to rebut the countless reports of Alig/AIL dishonesty/fraud/misrepresentation etc. I suspect that's you 'Alan'. You work for what can only be described as a scummy outfit. Granted, Perhaps it's a good fit for 'conquerors' like you.

Aaron
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#6 UPDATE Employee

Plesase do some research before slagging us!

AUTHOR: Alan - (Canada)

First of all 'Aaron';



If you were to investigate most companies operating in the Province of BC, you would find out that similar situations based on 100% commission exist in almost every industry. Our company sets up individual 'agencies' that are independent contractors. Their role is to assist union and association members with either their existing union benefits (which are standard and provided, as with most companies when a member of the union or association passes a certain probationary period or pre-apprenticeship - you would know this if you had taken the course by the way)or upgrade them into packages which are tailor-made to protect their families.



The situation that we place 'new hires' into is to give them the tools and the vehicle to operate their own business. Nowhere else, have I ever seen someone willing to help me build my own successful agency or business (and I've owned 3). Everything I ever did within the business world was made off of the sweat of my own brow, and succeed or fail it was my own doing. Along comes AIL / Altig and offers me an opportunity as an entrepreneur to open my own agency as a contracted employee and lays out a roadmap to me on how to be successful. I never had a roadmap in the past, now someone is telling me exactly where the pitfalls are and is willing to help me out of them at no cost.



Second: Yes there is a fee involved with securing your license, which is our wonderful Provincial Government that requires it. They, by the way, have just increased the fee to $100.00 just to write the licensing exam, from $75.00. Now would you rather go spend your money to write this exam unprepared, or would you rather have your employer offer you course materials and training first? Altig offers every new hire the opportunity to progress through this course before writing the Provincial licensing exam. As a result we have to secure both course materials and quality instructors from somewhere... obviously books cost money (have you been to a post-secondary institution of learning lately?) and instructors require a salary for teaching (we volunteer our time to teach our new hires...). So there is a cost involved. HOWEVER - IF you had stuck-around long enough you would have found out that the company reimburses your costs 100% for obtaining your license, up to $1000.00 (in case you fail once or twice). Now compare these costs to, for example opening a MacDonald's restaurant - you MUST HAVE over $3 million in capital before they will allow you to open a restaurant. In addition, if you investigate how much some lesser franchises cost, you would find that they START at around $30K for a decent one - even then there are no guarantees of your success...



In ADDITION: We have never told anyone, to my knowledge that there is a base salary to this job. Again - if you operate your own business, does someone pay you a base? If so, please let me know, I'd like in on that gravy train!



Fourth: The people I have met throught this business are the MOST genuine and real people I have ever had the experience of knowing. I have worked for companies in which you are constantly looking over your shoulder to find out where the next knife is coming from. NONE of that has happened at AIL, in my experience.



My wife and myself were in financial dire-straights due to having my firefighting contract pulled from me; having worked in the oilfields for 2 years (you want a scam, brother? Go work for an oil company or related services!)and my AIL manager, stepped forward and payed me money out of his own pocket, to get us back on our feet!



In conclusion; before you slag someone, get your facts staright. It seems to me the only people who have failed in this opportunity are those that have not believed in themselves enough to take the risk involved (and there is definitely a risk... but what isn't?) or didn't follow the paved-pathway that their mentors placed before them. Many successful people, from pro-sports athletes, to business people, to great conquerors, will tell you two things you need to be successful at anything you undertake; 1)Believe in yourself enough to take the biggest risk in front of you, because that is the one that has the largest pay-off; and 2)If you don't think you can do it find someone who has already done it and ask them how.



Aaron - maybe AIL / Altig wasn't for you, but forgive me for saying-so, you missed-out on a great opportunity. I hope that you are successful no matter which field you choose!
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