• Report: #154732

Complaint Review: Altig International, American Income Life

Thank You

Read how Ripoff Report saves consumers millions.

  • Submitted: Tue, August 23, 2005
  • Updated: Wed, May 02, 2012

  • Reported By:Vancouver British Columbia
Altig International, American Income Life
400-5945 Kathleen Ave, Burnaby, BC Burnaby, British Columbia United States of America

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

*UPDATE - Rip-off Report REVIEW: Altig International has joined the Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program, committed to addressing & resolving all legitimate complaints. Rip-off Report independent investigation showas that the Altig International insurance sales process and the American Income Life insurance products they sell are 100% leg

*UPDATE EX-employee responds: My Experience...take it or leave it

*UPDATE EX-employee responds: Very Valid

*Consumer Comment: Re: Altig

*Consumer Comment: Re: Altig

*Consumer Comment: Re: Altig

*UPDATE EX-employee responds: So you said you "see" your friend

*Consumer Comment: Altig International A Successful Company that Offers Incredible Earning Potential for its Employees

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!

SPECIAL UPDATE: May 2 2012: 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.

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

Rip-off Report REVIEW::

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 review 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.

======================== ======================== Altig International, American Income Ripoff Life pyramid scheme Burnaby British Columbia

I got a call at around 8:15pm last night (already quite strange) from Altig International. They said they'd seen my resume online and were interested in me. The guy asked me about myself and then about my career goals. My career goals are not at all in line with what Altig does, but he said they were intrigued by my past pseudo sales experience.

I was scheduled for an interview at 11am the next morning. The name on the door said American Income Life. I walked in and several other youngish people were there, filling out applications. After a few minutes, I was called into a room with an interviewer. She said there was a 3 step interview process and this was the first step. She asked me general, vague questions about what I have done, what I want to do, my biggest accomplishment, strenghts etc. Surprise, I passed the first interview (about 3 minutes.) She said they were running an assessment in 45 minutes, and the regional director would be there to speak.

I returned, along with about 14 or so others. We were individually brought into a meeting room, and told where to sit. I think they have some sort of a ranking system, based on where you sit, as the presenter concentrated on a few people much more than others. We were given a 50 page 'assessment', which asked questions like how competitive you are, strenghs, weaknesses, and then a bunch of pretty vague multiple choice questions.

There were four company representatives in the room. A well spoken man, who said he was the Regional Director. Another guy who ended up speaking the vast majority of the time, who had started out 'just like us' and moved up very quickly. A third guy who was a 'rising star' who did a mock sales pitch later on. There was also a fourth guy who did not speak, but seemed to be taking notes on us, even before the actual presentation started.

The regional director spoke for only the first few minutes, and really did not say much of anything. He introduced the guy that did most of the talking and sat by the door for the rest of the time. This guy ran through a powerpoint presentation. We learned that the company sells benefits (insurance) to lower income workers that are represented by unions. Salespeople do this by going to peoples homes for one on one sales pitches.

They reiterate a few times that you don't do any cold calling. Leads are generated by a seperate division, and apparently largely by direct mailing unionized employees on union letterhead. I believe they said at one point that each 'associate' is given 50 leads per week (either week or month) by the company.

The 'rising star' did a mock sales pitch with a few of the other people acting as a husband and wife. Basically it talked a lot about how much they would receive if hospitalized, and not so much on how much it cost or the specifics of how it worked. It was pretty smooth though.

The main guy got back up and spoke about compensation. They had different potential salaries at different levels. The minimum level was 3.0, and he verbally mentioned the potential of getting to 14 or 16. Either I wasn't paying attention when he explained what this level was and how to achieve it, or he didn't explain. I think it has to do with how many sales you close per week, three being the minimum.

There is a base pay (contingent of course on the fact that get to/are at at least level 3.0) which is paid out weekly, and a monthly bonus. Level three has a yearly income of around $55,000CDN, and the upper levels were getting up to around $150,000.

He mentioned there being two streams, sales and management. Managers were mentors to younger associates. The lowest manager, who I think had 3-5 people under him, made at least $100,000.

He said what they were looking to do is you get hired, then you find someone to replace you, and you move up. You get 'residual pay' from what they're doing. This is of course, a pyramid scam.

They said they have 60 'managers' in the province right now (mid 2005) and are looking to grow to 750 by 2008, 1000 by 2010. So if that is true and you think you know what you're doing, conceivably you could get in early enough in the pyramid to actually do ok for yourself. It being a pyramid scam though, you're probably too late.

The guy said over and over that they hire less than 4% of those they meet. This is probably partly true because hopefully enough people see what is going on. It's also to make you feel like a star when you keep getting called back for interviews.

There was no mention of having to pay for your own training as some other internet postings claim, but perhaps they save that for the third interview.

After the presentation was finished, we were each called back to the person we initially had an interview with. I said I didn't think the position was for me. She said that they are also hiring for some administration positions, and they would call me.

Time will tell if they actually do or not. I spoke with a girl on the way out of the building who was also quite dubious of the whole thing.

From what they've said and reading around online about them, it looks like they are growing, at least in Canada. I've seen a few posts where people have said it's a scam, and there is a reply by someone claiming to be an employee that it's all legitimate and you can make tons of money if you work hard. These look suspiciously like the company is doing it themselves, but who knows.

In my eyes, this is a pyramid scam. I knew that going in, but wanted to see what the experience was like. I've spoken briefly with Primerica before, and it sounded very similar to that.

Don't waste your time.

David 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 08/23/2005 04:19 PM and is a permanent record located here: http://www.ripoffreport.com/r/Altig-International-American-Income-Life/Burnaby-British-Columbia/Altig-International-American-Income-Life-are-dedicated-to-helping-their-associates-achie-154732. 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 Altig International, American Income Life

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?
REBUTTALS & REPLIES:
0Author 7Consumer 0Employee/Owner
Updates & Rebuttals

#1 UPDATE EX-employee responds

My Experience...take it or leave it

AUTHOR: Aaron - (U.S.A.)

With American Income Life, expect to work 6 days a week to be successful. The way it works is you need to book AT LEAST 26 appointments for the week, make AT LEAST 18 presentations per week, which leads to some sales and money for you. The numbers are nearly flawless...as long as you put the time into doing it.



My experience, I didn't put in enough time. I did what most agents were doing and hiring an appointment setter. Well, he didn't perform up to par and I got nothing but excuses from him. I set a requirement for him to make at least 30 appointments, but he didn't put in the time...sadly, he was my friend. After working 60 hours + per week the few weeks before with training and my first couple weeks in the field, I was way too tired to go out and door knock and do all that stuff that was required to be successful, so my numbers started to drop off quickly. One thing you will notice is if your numbers start dropping, the company doesn't try to help you out, they kinda tend to shrug you off and try to find a replacement for you...at least my manager did that.



Soon enough, I wasn't making enough money to survive. On top of that, my net to gross dropped below 50% when a family that took out a rather large policy cancelled their policy, so they stopped paying me. Now, when I went to an appointment, I wasn't collecting food bank food for the other members, I was collecting it for myself, because I could no longer afford any food. Soon after that happened, my credit cards maxed out, and I could no longer afford gas, rent, my car or anything for that matter. I had to leave the company and move back in with my parents...and get a loan from my mother to pay my month's bills.



I spent over $600 in North Dakota in getting licensed and starting up with the company. I only made about $800. Subtracting the two, I only came out ahead $200 in the two months I worked for American Income as an agent...is that fair? No, it certainly is not.



I am a very smart, college graduate who is qualified for many different jobs. I chose this one why? Because I fell for the propaganda. Week after week, the whole international sales team sits down and watches the charasmatic Rick Altig deliver his propaganda to us during out Thursday meetings. It wasn't until the very end of my time, when I had less than nothing, did I realize that I had made the biggest mistake of my life.



Don't get me wrong, there is a lot of potential in this company; you just need to be willing to sacrifice your social life and your weekends with your family to really see the benefits in working with this company. I was not willing to give up my family for this job, and I paid the price for it.



I will survive this mistake of mine. I will bounce back and get all my bills taken care of, but the amount of heartache I suffered in the process of hitting rock bottom for the first time in my life, will haunt me for the rest of my life. Look into your heart before you decide to join this company. If you are not willing to make the sacrifices necessary to be successful, then my suggestion is not to bother. Find something else. And for those of you who are up for the opportunity, I wish you good luck and I sincerely hope you are very successful...because the money IS there.
Respond to this report!
What's this?

#2 UPDATE EX-employee responds

Very Valid

AUTHOR: Frank - (Canada)

Well, I have to admit there is always someone that will do the job. That is for sure.



Anyway, you mentioned she writes off so much that she has almost no income tax to pay. Well, then she is either spending almost all her income in work related stuff or she is not making much, does that make sense? <----Cheesy sales pitch question used by Altig.



But seriously now, some people like it, some people do not, it is an honorable job as long as it is done honestly since we know how dirty the insurance business is and how dirty insurance salesman can be.



Ellen, I also have to admit its a pretty hard job, specially cold calling and working until very late and every day, mainly on weekends.



Either way, my point being, you are right, there is people for everything and you really have to be suited for the job to actually do it so faithfully as your friend does!!
Respond to this report!
What's this?

#3 Consumer Comment

Re: Altig

AUTHOR: Ellen - (Canada)

I appreciate your comments and realize that you have a valid perspective having actually worked for the company. And you're right that my friend must spend a lot on her expenses related to her job. However, she also writes off a lot of those expenses and pays very little in income tax as a result. I'm sure a lot less than me, anyways. Regardless of her expenses, she does have a mortgage (obtained within the last year through nothing but her own income) and she drives a nice car, too. She also goes on all-inclusive paid by the company vacations that can be considered as part of her income.



In terms of her time spent at work, I'd say that what you describe is mostly characteristic of her first year with the company. She made a sacrifice and yes, I barely saw her that first year. But isn't this what all self-employed people have to do when they're starting out? It's a choice and in return she is now reaping the rewards: she has a job that she loves, lots of flexibility and a great income. These days it seems she only works a few hours a day some days, takes time off whenever she feels like it. I do see her on weekends and in the evenings. Having said all of this, I could never do what she does because I don't have the right personality for this kind of work. But I admire and respect her ability to do it and support her in the choice that she's made. And there are others like her out there who might love their life like she does as a result of working for Altig.
Respond to this report!
What's this?

#4 Consumer Comment

Re: Altig

AUTHOR: Ellen - (Canada)

I appreciate your comments and realize that you have a valid perspective having actually worked for the company. And you're right that my friend must spend a lot on her expenses related to her job. However, she also writes off a lot of those expenses and pays very little in income tax as a result. I'm sure a lot less than me, anyways. Regardless of her expenses, she does have a mortgage (obtained within the last year through nothing but her own income) and she drives a nice car, too. She also goes on all-inclusive paid by the company vacations that can be considered as part of her income.



In terms of her time spent at work, I'd say that what you describe is mostly characteristic of her first year with the company. She made a sacrifice and yes, I barely saw her that first year. But isn't this what all self-employed people have to do when they're starting out? It's a choice and in return she is now reaping the rewards: she has a job that she loves, lots of flexibility and a great income. These days it seems she only works a few hours a day some days, takes time off whenever she feels like it. I do see her on weekends and in the evenings. Having said all of this, I could never do what she does because I don't have the right personality for this kind of work. But I admire and respect her ability to do it and support her in the choice that she's made. And there are others like her out there who might love their life like she does as a result of working for Altig.
Respond to this report!
What's this?

#5 Consumer Comment

Re: Altig

AUTHOR: Ellen - (Canada)

I appreciate your comments and realize that you have a valid perspective having actually worked for the company. And you're right that my friend must spend a lot on her expenses related to her job. However, she also writes off a lot of those expenses and pays very little in income tax as a result. I'm sure a lot less than me, anyways. Regardless of her expenses, she does have a mortgage (obtained within the last year through nothing but her own income) and she drives a nice car, too. She also goes on all-inclusive paid by the company vacations that can be considered as part of her income.



In terms of her time spent at work, I'd say that what you describe is mostly characteristic of her first year with the company. She made a sacrifice and yes, I barely saw her that first year. But isn't this what all self-employed people have to do when they're starting out? It's a choice and in return she is now reaping the rewards: she has a job that she loves, lots of flexibility and a great income. These days it seems she only works a few hours a day some days, takes time off whenever she feels like it. I do see her on weekends and in the evenings. Having said all of this, I could never do what she does because I don't have the right personality for this kind of work. But I admire and respect her ability to do it and support her in the choice that she's made. And there are others like her out there who might love their life like she does as a result of working for Altig.
Respond to this report!
What's this?

#6 UPDATE EX-employee responds

So you said you "see" your friend

AUTHOR: Frank - (Canada)

I am surprised you say you "see" your friend.



I have no doubt she is a hard working person, but allow me to please explain myself:



She is her own boss right? and makes 3 times what you make right? well



It is great to be your own boss for AIL, but did you know you have to work 6 days a week (at least), 12 hours a day? it is 100% comission. But you get to start at 11 am or so, so you can sleep in.

Please do not forget that the seventh day you usually have to make cold calls to prospects.



In addition to that, her job makes her travel around putting a lot of wear and tear in her car, and now with gas prices at over a dollar per liter she infact will be making less money.



If you think about it carefully, how much more gas she spends everyday than you going to work?



How much more wear and tear in her car? old changes, eating out, etc?



But think about her day, 12 hour days out of home 6 days a week, well divide her earnings by the number of hours she put in on appointments and driving around, now add the wear and tear, gas, meals, etc. She is not making 3 times more than you are. And at the end of the year she has to add another big cut to the Government for Taxes



If you enjoy cold calling, using your University degree to be an insurance salesman, missing Saturdays and Sundays with friends and family well, then you are suited to join AIL.



This is not an attack, is just the perspective from someone that worked there, made good money but opened his eyes.



PS: Ask your friend to apply for a Mortgage, sadly as a self-employed individual she would hardly be able to get one that buys the house her hard work deserves. -fact-
Respond to this report!
What's this?

#7 Consumer Comment

Altig International A Successful Company that Offers Incredible Earning Potential for its Employees

AUTHOR: Ellen - (Canada)

I have a good friend who has been working for Altig International (a sub-Division of American Income Life) for two years. Despite what you'll probably think, I do not work for the company and have no vested interest in this company or reason to say this other than it's the truth. Before you go judging a company after one interview and posting rip-off reports on the internet you need to do your homework. This type of commentary is not only hurtful to a good company but limits the opportunities of those who could potentially benefit from working for them. From what I can see of my friend's job, you're right in saying that it's not a job for everyone. You do need to be willing to work hard and be suited to the job (like with almost any position), but the opportunities and earning potential within this company are truly staggering. I know for a fact that this part of their claim is not a scam or a rip-off. My friend earns three times what I do working in a good 9-5 government job and I've been there for seven years. I know because I have seen her cheques and see the lifestyle she leads. I have to admit that I was also a little dubious at first when she told me about her new job at this company, but honestly, everything they claimed would happen for her financially, did. Sometimes these things really are for real. And the company does help people through the insurance that they sell. If you don't want to work for them, fine. But if you're smart you'll sign up for one of their critical illness programs. Working in the healthcare field I've seen hundreds of people lose everything after an illness that caused them to lose their jobs. This company provides benefits to these people and their families and much more. I'm no expert on the company, but I do know that it is not a scam and that many people including their clients and their employees benefit from what they do.
Respond to this report!
What's this?
Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?

Advertisers above have met our
strict standards for business conduct.