• Report: #180556

Complaint Review: American Income Life, AIL, Altig International

  • Submitted: Sat, March 11, 2006
  • Updated: Sat, April 07, 2012

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

American Income Life, AIL, Altig International RIPOFF, PYRAMID SCHEME WASTE OF TIME Burnaby British Columbia

*UPDATE - Rip-off Report REVIEW: Altig International has joined the Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and a Rip-off Report independent investigation. Every company receives complaints, and with currently more than 600 associates and more than 50 offices throughout North America, the number of complaints Altig International has received is few. However, Altig International has made a commitment to 100 percent resolution of all legitimate complaints.

*Consumer Comment: Still at it

*UPDATE EX-employee responds: Fridays come & go

*Consumer Comment: Almost went to the "interview"

*UPDATE EX-employee responds: Wow!

*UPDATE EX-employee responds: Wow!

*UPDATE EX-employee responds: Wow!

*UPDATE EX-employee responds: Wow!

*UPDATE Employee: i know

*UPDATE EX-employee responds: your perception is your reality

*UPDATE Employee: Weird?!

*UPDATE EX-employee responds: Been you are a funny guy!

*UPDATE EX-employee responds: strange perceptions all around

*UPDATE Employee: Thanks guys!!!

*UPDATE EX-employee responds: don't put words in my mouth

*UPDATE EX-employee responds: Tim?

*UPDATE EX-employee responds: You are the reason we come back

*UPDATE EX-employee responds: bye bye barbara You look like a fool every time I stick up for this corrupt company.

*UPDATE Employee: Been There - Done That

*UPDATE Employee: Been? or did you mean Ben

*UPDATE Employee: Been? or did you mean Ben

*UPDATE Employee: Been? or did you mean Ben

*UPDATE Employee: Been? or did you mean Ben

*UPDATE EX-employee responds: been there-done that

*UPDATE Employee: FYI

*UPDATE Employee: Get Off It, Paul!!!!!!

*UPDATE EX-employee responds: WHY WHY WHY??? plz, make American Income be gone. Buy insurance from anyone but AIL.

*UPDATE EX-employee responds: I agree

*UPDATE EX-employee responds: rip that questionaire up and run

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SPECIAL UPDATE: February 16 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

I recieved an email yesterday (Mar 9) saying that my resume had been forwarded to them, but it was not indicated who had sent it to them.

I replied to the email, and recieved a call at approx. 7pm last night, from a woman who asked me some basic questions about my experience. She then invited me to come for a formal interview today (Mar 10) in their Burnaby office.

To their credit, they did have a nice office, and the people who worked there all seemed alright.

I arrived at the interview and was asked to fill in an application that asked for some information as well as work history (which was also on my resume). A few minutes later, I was met by the same woman who had called me, and went into a nice looking office, that happened to have a Dell laptop in the middle of the table, almost in the way.

She asked some more general information about my work history and education, and showed some interest. She described the company and said there would be some travelling involved, as well as some training, that I would have to pay for, which would ad up to approx. $800.

After the interview, I had to fill out another questionnaire (approx. 5 pages).

Jason Richmond, British Columbia
Canada

This report was posted on Ripoff Report on 03/11/2006 02:05 AM and is a permanent record located here: http://www.ripoffreport.com/r/American-Income-Life-AIL-Altig-International/Burnaby-British-Columbia/American-Income-Life-AIL-Altig-International-RIPOFF-PYRAMID-SCHEME-WASTE-OF-TIME-Burnab-180556. 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.

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Updates & Rebuttals

#1 Consumer Comment

Still at it

AUTHOR: Mr.Badass - (United States of America)

I was just contacted by Altig and did a google search of them and found this report. When I went into the interview today it went down just like everyone reported here. I replied to them off of a Craigslist ad they posted for a water damage/restoration work yet they asked me to wear fortune 500 type clothing.

While I was sitting waiting for my interview a guy then a girl then another guy came in all wearing well groomed clothes. Were we ALL applying for the same job? I asked the guy on my left if he was in the construction trade and he said he was in manufacturing..

When another fellow asked the receptionist how long the interview was she said it was fairly short but the group interview was a couple of hours. They also said to bring a recent resume with me yet I had just sent them one thru email which is where they were reading my contact info from to call me.That was all I needed to hear, I left. They are pulling the same crap mentioned in these posts and doing it in Eugene,Oregon.

What amuses me about this is I looked like the dumbest guy in the room cause I wasn't in a suit yet turns out I was the smartest guy in the room cause I was the only one that googled the company first.
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#2 UPDATE EX-employee responds

Fridays come & go

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

Another Friday & another meeting. Another week of calling leads and wondering if they will be home. At $2.50+ a gallon you have to make it count plus the car needs tires and an oil change. Taxes are due in a couple of weeks and I haven't put anything away for this year. My manager wants more & more production and doesn't want to hear about weekends off. Convention seems like a pipe dream this year. It could be time for a change. Ya think?
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#3 Consumer Comment

Almost went to the "interview"

AUTHOR: Matt - (Canada)

I got the call on Monday Night, 6pm, an odd time to be calling for sure, however what did I know at that point. Sitting at home on my day off I called the number that I was provided, and they explained that they were looking for middle and upper management people, as well as agents.



My thoughts were, I am in a middle management role, in a job that I like, but if I am being recruited, why not hear at least a little about what they were all about.



They on the message they left they were very interested in my resume, and wanted me in for an interview. I said at that point I might be available, and would call them back.



Then I went into my email and found this



"My name is Roger Smith and I am the Chief Executive Officer of American Income. I recently found your resume online and wanted to get in touch with you. We are expanding our sales force by hiring applicants from a

variety of different backgrounds and we believe you have the potential to be an excellent match.



We are hiring goal-oriented individuals like you right now. First year earnings, advances and bonuses can range from $60,000 to $90,000 for

new representatives. No experience is necessary. We provide full training

to help maximize your earning potential. If you wish to excel within a company that has a proven record of success, then I would like to speak with you.



American Income has upheld a well-known industry reputation for financial stability and quality service for over 50 years.



If you are interested in learning more about this important opportunity, please CLICK THIS LINK

http://www.joinoursalesteam.com/ThankYouRSL.asp?ConID=20673003&CID=AIL&RS=ER

1 or call 1-888-247-7010.



Sincerely,



Roger Smith

Chief Executive Officer

American Income

"



Now, I am sure that Roger did not find my resume, nor did he or anyone else really look at my resume. Now looking at one of the major job sites, the classifications included food services. Well, with a spam e-mail coming two days before the call, the words posted here, and knowing if something sounds too good to be true it probably is, I called Melissa Back and said no thanks....... Then again I am sure that the resume that she was so interested in it seemed that she did not care too much that I said that I would not be interested in applying
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#4 UPDATE EX-employee responds

Wow!

AUTHOR: Frank - (Canada)

Dear Barb:



you guys are co-workers ?



I hated Friday meetings, I was not good at doing my filing!
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#5 UPDATE EX-employee responds

Wow!

AUTHOR: Frank - (Canada)

Dear Barb:



you guys are co-workers ?



I hated Friday meetings, I was not good at doing my filing!
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#6 UPDATE EX-employee responds

Wow!

AUTHOR: Frank - (Canada)

Dear Barb:



you guys are co-workers ?



I hated Friday meetings, I was not good at doing my filing!
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#7 UPDATE EX-employee responds

Wow!

AUTHOR: Frank - (Canada)

Dear Barb:



you guys are co-workers ?



I hated Friday meetings, I was not good at doing my filing!
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#8 UPDATE Employee

i know

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

I already know that they know I'm on here at the office and around the nation. I get high fives for it all the time!



Sorry I didn't get your humor. I now know who you are. Thanks. I'm awfully surprised you are in here. Actually extremely surprised! But I guess you have to let loose somehow! See you on Friday!
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#9 UPDATE EX-employee responds

your perception is your reality

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

Unbelievable - I can tell Frank caught on to my humor and even though the specifics of driving your car into the ground may not apply to him it definitely applies to many. Barb(ie) didn't get it. I'm not about to type in what a nice guy I am because do you really care? Stop it.Others in here seem to feel the need to talk about how much money they make and where they stand in the "Spotlight". I feel a definite need to be accepted in here - OK we love you!



Barb(ie) what would make you think I would ever let anyone know my employment status? First of all, you are not an employee and never have been with AIL. Try to collect unemployment and you'll find out. Second,if I am still "employed" with AIL, I surely wouldn't want anyone at my office to know I was in here for any reason. You are a Rip Off Report legend and I'm sure many in your office know it. Do I hear chuckling? But wait - we all love you!



I love relaxing after a long day and checking the ROR. Angry,confused,decent,hard working,brainwashed ,reformed (I see the light!)current and ex-agents of AIL. Group Hug!!
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#10 UPDATE Employee

Weird?!

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

I don't understand you Been. One minute you are acting like a nice guy and ex-employee and the next you're confronting Frank pretty harshly.

If you are a current employee, why did you write "ex-employee"? Why didn't you just write "employee" and come up with an alias? Although, I am thinking "Been" is one. I'm not trying to sound mean. Please don't take it as such. I'm only inquiring.

And yes you are right, I have never worked for another company. I do however know others in the company, have heard about agents being like used car salesmen, and know the statistics. We, as insurance agents as a whole, are ranked #3 in the most untrustworthy kind of business/people. I don't need to have worked for another company to know that.
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#11 UPDATE EX-employee responds

Been you are a funny guy!

AUTHOR: Frank - (Canada)

Yes, its true, could have been the Canadian winters!



About the car, I am not that stupid. I bought a $1000 car to drive around and put all the miles I could on it. I would not use my own car, I have a Corvette! who would buy insurance from a guy driving a classic Vette?



About taxes, well the boogie man did not get me either, I was doing good at AIL. My stay at AIL was not unpleasant when I was allowed to do my business on the field....but the meetings, and this and that blew it for me, so I came to this forum and realized Tim's experience and I saw myself like that down the road, so I put a stop to it.



Been, I do not try to put words in your mouth, nor attack you but you lead me to believe you are just not the friendliest guy in this forum, eventhough people have been. I send you a big Canadian greeting either way to cheer you up, ey!



Hey Barb, well congrats once more. As I said, maybe it was my SGA,

Either way, please don't leave the forum!!! Moby is the guy I like to have constructive conversations with!!!
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#12 UPDATE EX-employee responds

strange perceptions all around

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

Barb(ie) for the record,as far as I know you have never worked for any other insurance company so your comment about finding honest people in an honorable business was not being brutally honest.How would you know? I apologize if I am wrong about your past experiences but I think I am right. Also, can you use the word "truly" honest and SGA in the same sentence? Puhleez - have you ever attended a group meeting where everyone in the room will be hired if they are breathing and can hold a pen? Where it is presented as a priviledge to be hired and you will be the next "millionaire" if selected? You know there is "truth" in that statement. Big $ tends to cloud ones judgement, moral and otherwise.But God is the only one that will judge in the end.



Don't ask about me in your Friday meeting because I may be sitting right next to you and it would make you look rather silly. Keep the blogs coming. I guess this is a type of group therapy where we vent. Kinda like family counseling - the AIL family - a dysfunctional family but a family never the less. Can you feel the love?
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#13 UPDATE Employee

Thanks guys!!!

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

It's about time I get some respect around here! I am sorry that a lot of you had bad experiences with the company. Fortunately I have truly honest SGA with a big heart! And I am in a great area with great PR! Yes, I am honest. It's hard to find that in any company in this business.

I really wish I could remember this Been. I'll have to ask around at the Friday meeting. There is only one Been I remember and I don't think it is you. You must still keep in contact with some of the people in the office if you are aware that I'm getting married. And yes Frank. I used to model. More a couple years ago than I do now. I still do occasionally, when I have time. And you are right, sales does have a lot to do with looks too. I've never considered myself to be "very attractive". But thanks Been.

And also, yes Been, I would admit that I have a big mouth and I can be a b***h when called for. I can hang with the "Boys Club".

That's it. I just wanted to thank the ones who can discuss things as adults and not be a ruthless idiot like those "Tims" out there.
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#14 UPDATE EX-employee responds

don't put words in my mouth

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

Frank......you said "as Been said" I don't remember ever saying any of those things you quoted. Maybe I eluded to it but nothing definite. I said possibly many times. It could be a matter of ones perception so I guess those cold Canadian winters have taken a toll on yours. Maybe it was those nights driving mile upon mile across the Canadian prairie only to be stood up by some 65 year old in a mobile home. Maybe it was the realization that your car was worth zero though you owed several yeras of payments because you kept rolling the equity. Maybe it was the stress of trying to outrun the taxman every year because you kept getting a 1099 when you had no income to show for it. Now remember I said maybe. All of it or none of it could be true. Barb(ie) your comments are welcome but be brutally honest.
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#15 UPDATE EX-employee responds

Tim?

AUTHOR: Frank - (Canada)

I believe actually out of everybody in this forum, Tim is the person that bites the hardest with well based information, nevertheless, I also find him to be the most helpful one, especially to people thinking or that just left AIL.



When I quit AIL, I felt like I left things half-done, but by reading Tim I was like :"WTF?? it is not worth at all to undergo one second more of that! " Thanks Tim!



It is funny how people in this forum mentioned their SGAs or MGAs told them to watch or read The Boiler Room, and other material like that, because that is VERBATIM was I was told by mine!!! then, I noticed that I was being brainwashed, that if I did not work 6 days a week I was a wimp, and that 65 year olders, single moms and mobile home residents always purchase insurance.....have you heard that before??



Anyway, by popular request, lets talk about Barb.



First of all, thanks Barb, I am respectful to you because you are respectful to me. Second, congratulations if you are getting married, and third, were you really a model? You should paste a picture here :) Now I know why you are very succesful at this business, those 65 year olds always buy insurance from you I bet( I am just kidding )



Anyway, I believe as long as Barb keeps things honest, there is nothing she should worry about. There is nothing wrong when the people are making an informed decision.



As Been said, AIL sucks the life out of its agents, SGAs and MGAs twist the truth and the lead system is shameful, in my case it is nothing personal against Barb. I actually bought couple of AIL policies for myself back when.



Barb what can I say? if you enjoy your job, and you do it with integrity you should not get ashamed or upset, you are making an God honest living. What's wrong with that? I am just a happy ol' crow that enjoys this forum.
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#16 UPDATE EX-employee responds

You are the reason we come back

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

Tim, you are one of the reasons we come back to this blog. You obviously have no life (the phrase frequently used in here) or have a thing for Barb (ie)or need help getting over whatever you did (to yourself) at AIL. I hope none of those things are true, though I would understand if you had a thing for Barb(ie). Better act fast as I understand she's getting married.

People can only take advantage of you if you let them. Didn't your momma teach you anything? Move on, because if it didn't kill you it made you stronger. Keep those blogs coming because we all need a laugh and a smile at the end of the day.
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#17 UPDATE EX-employee responds

bye bye barbara You look like a fool every time I stick up for this corrupt company.

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

I don't care what you look like. You look like a fool every time I stick up for this corrupt company.



They don't pay the money owed to their ex agents and do recode the business to others so they steal the renewals due the ex agent.



I think you have rebutted more than anyone. All of your rebuttals are right out of the script book. If you liked your job you would be out selling instead of defending.



I remember when you promised not to write any more. I wish you stuck to that promise.
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#18 UPDATE Employee

Been There - Done That

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

All the comments in here have some shred of truth:

new leads initially - possibly crap leads thereafter.

Making enough $ to afford nice wheels - driving the wheels off of your car.

An opportunity to make $ - possibly questionable hiring tactics.

Possibly crap products - they must pass every states dept. of insurance guidlines so the buyer must beware.

Renewals - no doubt - the fact that the SGA in some way controls the flow - no doubt,hope you're working for a good one.

Mafia tactics? If you're dumb enough to slander people worth millions,and use the word Mafia, then you haven't done your homework. Signing your name? Hope you have a good lawyer that works for free. I feel for you - really.

Does Barb(ie) have a big mouth? possibly but if you asked her if she did,she would probably agree.

Keep these blogs coming as we love to hear the rantings of children like Moby and wise old sages like Frank and the screaming (all caps) defense from Barb(ie). It makes us smile and laugh.

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#19 UPDATE Employee

Been? or did you mean Ben

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

Not sure I remember you but I do find you comment funny! I'm not trying to be a legend, but these people just won't lay off of me personally! Probably because they like to get me going. I know it's just like high school- they just do it to get a rise out of me. And if I keep playing into their games, they'll just keep going. Oh well. Life goes on.



Thanks for the compliment though.
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#20 UPDATE Employee

Been? or did you mean Ben

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

Not sure I remember you but I do find you comment funny! I'm not trying to be a legend, but these people just won't lay off of me personally! Probably because they like to get me going. I know it's just like high school- they just do it to get a rise out of me. And if I keep playing into their games, they'll just keep going. Oh well. Life goes on.



Thanks for the compliment though.
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#21 UPDATE Employee

Been? or did you mean Ben

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

Not sure I remember you but I do find you comment funny! I'm not trying to be a legend, but these people just won't lay off of me personally! Probably because they like to get me going. I know it's just like high school- they just do it to get a rise out of me. And if I keep playing into their games, they'll just keep going. Oh well. Life goes on.



Thanks for the compliment though.
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#22 UPDATE Employee

Been? or did you mean Ben

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

Not sure I remember you but I do find you comment funny! I'm not trying to be a legend, but these people just won't lay off of me personally! Probably because they like to get me going. I know it's just like high school- they just do it to get a rise out of me. And if I keep playing into their games, they'll just keep going. Oh well. Life goes on.



Thanks for the compliment though.
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#23 UPDATE EX-employee responds

been there-done that

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

It's funny how there are truths on both sides with this company. Even those of us that have made good money with AIL would probably agree there are better products out there to be had. It's the delivery system (leads) that makes the difference. Even the naysayers would have to admit there are many people, union or otherwise, that have received death benefits. At that point the family doesn't care where it came from or how much it cost. Keep ripping on Barb(ie) as that's why many of us come back to these posts. She is becoming an urban legend in the world of Rip Off Reports and current and past AILers.But be careful guys....she is tall attractive (ex-model)and would'nt be afraid to kick your a--. Keep those comments coming!
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#24 UPDATE Employee

FYI

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

By the way, just so you know.....American Income life has a Satisfactory Report with the Better Business Bureau. My agency also has a good report.



All of your comments are unfounded and unproven. You can get on here and say we run a brothel or something and they will publish it. Even though we ALL know that is NOT true! So keep going. If you feel better for disrespecting people whom you'll never meet and making up lies, then so be it!
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#25 UPDATE Employee

Get Off It, Paul!!!!!!

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

What is your malfunction with me? I DO have an education and I DO have a life! It's you people that have to check this thing everyday!!!! You all need to get over it and get on with YOUR life!!!! The only one on here with any respect at all is Frank. At least he can rebuttal me like a human being! You have no idea who I am and I was not even on this particular rebuttal!!! Why do you have to involve me with it???!!!!!!
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#26 UPDATE EX-employee responds

WHY WHY WHY??? plz, make American Income be gone. Buy insurance from anyone but AIL.

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

WHY ARE PEOPLE STILL WORKING FOR THIS COMPANY?? You are an "Independent Contractor" with an assigned 80 hour work week and 3 mandatory meetings. Want a vacation? better request the time off from your "non-employer." If you make it in this company its b/c you have no soul and dont mind tricking unsuspecting Union Members.



I dont feel that it is necessary to speak of the obvious BS about AIL since any sane person knows the company is a big scam. (obviously this voids that miserable Barbara with no life or education). I cant wait for her rebuttal about how smart SHE thinks she is...joy.



I would like to point out that AIL sells a product that they dont like to tell people is actually insurance. They go to the Union members home with free "BENEFITS" when the member only gets some worthless papers...the idea is to get in the home and get them to buy awful priced life inurance. This is a deceptive advertising insurance act...an unfair marketing practice...on the phone we were told to say we werent selling anything, especially not insurance. This is also false advertising and misrepresentation...dont forget when we sell the product we had to call it "Funeral Benefits," but never say life insurance...



As a suggestion to all of you losers who sold your souls long ago, a wise tip is: consider purchasing a big E&O policy for personal liability--as your favorite company AIL doesnt have any on you. Good luck with that ;)



Point of my rebuttal: I WANT TO KNOW WHY THE INSURANCE COMMISSIONER HAS NOT SHUT THIS COMPANY DOWN? PEOPLE ARE BEING SCAMMED, LOSING MONEY, AND BEING SOLD INTO A TOTAL JOKE. HELLO?! WHAT DOES IT TAKE COMMISSIONER?! thats all. thanks.
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#27 UPDATE EX-employee responds

I agree

AUTHOR: Frank - (Canada)

I agree with Bob, but you can do even worse, you can turn into someone like Moby
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#28 UPDATE EX-employee responds

rip that questionaire up and run

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

unless you would like a job working 80 hrs a week, no base salary, and some of the worst comissions and products in the industry.
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