• Report: #270528

Complaint Review: American Income Life | Ripoff Report Verified™ …businesses you can trust. Commitment to customer satisfaction, positive rating for its customer support from Ripoff Report. American Income Life / National Income Life provides products and services through independent representatives, and has been providing benefits to families for over 50 years.

  • Submitted: Mon, August 27, 2007
  • Updated: Thu, September 25, 2014

  • Reported By:Winnipeg Manitoba
AIL Canada
1549 St Mary's Rd Winnipeg, Manitoba Canada

American Income Life | Ripoff Report Verified...businesses you can trust: Feel safe confident & secure doing business with American Income Life / National Income Life - AIL pledges its commitment to customer satisfaction and Affiliate support. 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: American Income Life recognized by Ripoff Report Verified™ as a safe business service.

What's this?
What's this?
What's this?
Is this
Ripoff Report
About you?
Ripoff Report
A business' first
line of defense
on the Internet.
If your business is
willing to make a
commitment to
customer satisfaction
Click here now..

Does your business have a bad reputation?
Fix it the right way.
Corporate Advocacy Program™

SEO Reputation Management at its best!

REVIEW UPDATE: April 12 2014: American Income Life remains committed to increased customer satisfaction and has improved their business practices over the years to better serve their customers. American Income Life is truly dedicated to making sure their customers are satisfied and that any complaints which do arise are addressed promptly and fairly.

To date, American Income Life has made good faith efforts to resolve all complaints reported on Rip-off Report. Based on our experience, the member business has proven to be among the top members of the Rip-off Report Corporate Advocacy Business Remediation and Customer Satisfaction Program as a Verified Safe Business.

Over time and since becoming a member, American Income Life has remained actively engaged and improving the way they address customer service complaints. 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 improving customer satisfaction. [continued below]....


Remember, no company or individual can ever satisfy 100% of the people 100% of the time. There are no products or services that will always be perfect for everyone and even the best companies will receive complaints from time to time. However, by participating in the Corporate Advocacy Program, the member business has made a commitment to working with its customers to resolve complaints quickly and fairly whenever possible.

Please keep in mind that as a consumer you have some responsibilities as well. Success has many definitions that based on your past experiences, current situation and your perceived expectations. Success with any product or service is always based on the proper application and understanding. The fastest car will not run if you never turn the engine on. Look at how you used the product or service that was provided in relation with the instructions that you received. The Corporate Advocacy Business Remediation and Customer Satisfaction Program will help you get your voice heard but please be prepared with documentation and fair representation of your concern, also have an idea of how the company can fix your concern. Can they offer additional services, extend warranties, offer a fair refund or just get you talking with someone that can help. ..let them know and let us know!

*Any consumer not receiving satisfaction from a member of the Corporate Advocacy Program should email us at editor@ripoffreport.com

American Income Life is Rip-off Report Verified
Ripoff Report Verified .. part of Ripoff 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..


*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.



AIL Canada I was called this past Friday and invited fro an interview, based on reading my resume on Monster.com Ripoff Winnipeg Manitoba

Received a phone call from a company indicating that they have read my resume on monster.com and that my profile matches the kind the person they are looking for, I was then asked a few questions, such as my key strength and what kind of job I was looking for. I asked what kind of positions they are offering and was told that they have several (about 3) managerial position, related to HR and was then given a date for an interview. I was asked to bring a copy of my resume, a list of 3 references and to wear a suit.

The name of the company did not sound familiar and being a bit sceptical about the offer, coming out of the blue and not having applied for a job with this particular company, but then again my resume is on the monster.com web site and is accessible by prospective employers. I also want to try to find out as much as possible about a prospective employer, in particular one I'm not familiar with, before the interview as I might be able to ask and answer some relevant questions regarding the company, its products and the position being offered.

That afternoon I took a drive to the address and found out that it is AIL Canada. Upon arriving home I searched the name on the Internet, their web site does not offer a lot of information. But then continuing my Google search, I found all kinds of complaints about their hiring practises, both in Canada and in the US, which seem to parallel the kind of phone experience I had on Friday morning.

Since I gave my word to attend the interview on Monday, I went, however I now have some background on the company and remained vigilant during the process.

I just returned from my interview it was kind of fun and made the guy squirm a bit which I enjoyed.

Upon arrival I was asked to fill a form, with the usual items, name address, previous employers, positions, etc., the only thing I left blank was the references.

Once invited into Mark Chan's office, he asked me for a copy of my resume, which I gave to him, he also asked for my reference list, which I declined to give, I explained that I'd rather hang onto it for now. He asked if I knew anything about the company, I told him that all I was able to find out on their web site was that they sell insurance (I did not mention the reports on this website), mainly to Labour Unions, Mark mentioned that indeed they sell supplementary insurance (life, layoff, medical, etc.) to Union members to supplement any insurance not covered under their regular group insurance, he asked me about my background, I gave him a brief description of the various jobs and positions I've held until now. I also told him at the start that I was not looking for a "7/24" type of job as I value my time off with my family and when asked about the 6 month I spent as a car salesman, I told him I did not care for all the BS associated with selling a car. He then proceeded on giving me some vague indication as to what the job entitled, essentially managing a group of field employees who travel through the province, visiting prospective customer refereed to AIL by their Union. I would have to undertake a 2 weeks course and obtain my LLQP license, apparently every AIL employee need to have that license, no mention about any costs was made, I was also told that I would have to go on field trips with my prospective employees, such as spending a week in Thompson. I asked how trip expenses would be reimbursed and was told that I can claim all my expenses through income tax. I asked if this was a commission job? Mark indicated that it was partial salary and partial performance bonus, I asked what percentage was salary and what percentage was bonus, he remained very vague and did not want to answer.

I told him then that I'm a straight shooter and have no patience for BS and beating around the bush and mentioned that I find it strange that he could not clearly explain the job and pay structure, he mentioned that it is a complicated subject and that it would all be made clear during the next interview, which would last about and hour and a half, he asked me if I could come back Tuesday at noon for the second interview. I said, sure but pressed him more about the position, he was squirming behind his desk and clearly uncomfortable with my line of question, he eventually blurted out that managers can expect to be paid in the $50,000.00 to $80,000.00 range, per year, I asked how much was salary and how much was bonus in the $50,000.00 range for instance, he said about $25,000.00 salary and $25,000.00 bonus. I indicated that his explanations were rather vague, which I find kind of strange and was under the impression that what he was looking for is a door to door insurance salesman, he denied that what they are looking for, Field employees only visit prospective customers refereed to AIL by their Union, but they are not looking for field employees but for managers (why can't they promote one of their experienced field employee to management?), but that I would have to go out in the field with people working under me for a couple of weeks, I indicated that 2 weeks seem awfully short to learn the position and to be able to manage a team.
Finally I told Mark that based on the vagueness of the position available and that I don't like to waste time with people or issue where I cannot get a straight answer, I would not be interested in whatever position they might have available, thus ended the interview.

I'm grateful for having found this website and for doing some research before the interview. I doubt that they would have sucked me in, however I might have wasted more time on more interviews. I find it sad that I company could take advantage of prospective employees with deceitful tactics, luckily I receive a retirement pension so I', not desperate for a job, I'm just looking for something to keep my busy, but it has to be enjoyable as well

Winnipeg, Manitoba

Click here to read other Rip Off Reports on American Income Life Insurance

This report was posted on Ripoff Report on 08/27/2007 12:00 PM and is a permanent record located here: http://www.ripoffreport.com/r/AIL-Canada/Winnipeg-Manitoba/AIL-Canada-I-was-called-this-past-Friday-and-invited-fro-an-interview-based-on-reading-my-270528. 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.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

Click Here to read other Ripoff Reports on AIL Canada

Search for additional reports

If you would like to see more Rip-off Reports on this company/individual, search here:

Search Tips
Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?