ED Magedson – Founder
American Income Life Insurance | Ripoff Report Verified™ …businesses you can trust. American Income Life / National Income Life provides products and services through independent representatives, and has been providing benefits to families for over 50 years.American Income Life Insurance 845 Sir Thomas Ct. Ste 5 Harrisburg PA 17109 Harrisburg, Pennsylvania United States of America
American Income Life Insurance REVIEW: National Income Life Jobs not a scam. AIL 100% commitment to customer satisfaction & Affiliate. Feel safe, confident & secure doing business with American Income Life excellent business opportunity. *UPDATE ..August 30, 2010 ..after 4 years, no unresolved disputes. American Income Life dedicated to helping associates achieve their dreams.
Rip-off Report Investigation: American Income Life / National Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program. - NOTICE: *UPDATE December 1, 2006. Rip-off Report found that All but 2 Rip-off Reports about The David Zophin Agency were posted by the same person. Including this Report below! Rip-off Report has the evidence.
SPECIAL UPDATE: February 12 2013: 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]....
*UPDATE August 30, 2010 = UPDATE Ripoff Report REVIEW:
American Income Life Insurance has been a member of Rip-off Report Corporate Advocacy Program for over 4 years now. They are listed at the top of the major search engines listed on Rip-off Report. To date, Rip-off Report received 3 complaints. Each incident was a misunderstanding and resolved to the complete satisfaction of the agent. Weve also received countless positive comments thanking Rip-off Report because of their own success after reading Rip-off Report Investigation and then getting involved with American Income Life as an agent.. Weve also received countless positive comments from customers who have read the review about AIL.
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.
Ripoff 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 Lifes 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
===================== // NOTICE: *UPDATE December 1, 2006. Rip-off Report recently discovered that all but 2 Rip-off Reports about The David Zophin Agency of American Income Life were posted by the same person. A competitor no doubt. Rip-off Report has the evidence that shows the same person filed every one of the Reports. Ripoff Report will go after anyone found posting Reports like this. This type of behavior will not be tolerated. Either way, The David Zophin Agency still stands by their comitments made to Rip-off Report. Just like people can file ridiculous and frivolous lawsuits every day, we do realize consumers might try and take advantage using the Internet / Rip-off Report to do the same thing. THE REPORT BELOW IS BOGUS! =============================
Finding a job right out of college can be a frustrating venture. You don't hear back from many companies and when you do, the pay is embarrassing for both parties. When a large company offers you, "$45,000 easily your first year," you take notice. It may be naive, but sometimes too good to pass up.
Well, I did that. I was recruited by American Income Life Insurance. They made so many promises. They warned me, the training was unpaid, 30 days, and I had to commute 104 miles, each way, for the duration. I agreed. I did this based on the fact that when the woman who hired me asked, "What do you expect to make a year in five years?" I answered "$45,000." She laughed and told me "Our worst agents make that."
I have copies of my pay checks. I did not make any where near $800 a week. I did what they wanted me to, what they said I had to do, and my commission based salary was at times $50 or $60 dollars for an 80 hour work week.
The driving killed my car. The company did not even contact me to discuss my situation. They simply figured no car, she is done. Why would they do that? Go through all the trouble of recruiting me and not care when I was in a terrible situation?
My overflow account. Anyone who has sold insurance knows about this. My supervisors, the entire PYRAMID, gets a piece of if. I will not see any. I worked for this company for over two months, not including training, and made less than $1,600, before taxes. Yes, 80 hour work weeks. I should have, been making that in two weeks.
I paid to travel to this place for a month. I paid for my gas, food and at times, when I had to train in the field, 200 miles from my house, lodging. I had to purchase clothes that I will never wear again, a briefcase (how ironic it's called a briefcase) and office supplies. They didn't pay for anything. I drained my account based on a promise, I would be making tons of money. All I had to do is follow their method.
I followed their method.
I did what they said.
I was set back at least $3000 for my trouble.
I am a college educated woman with four years of active duty in the military. I know I can't get my money back. All I can do, is this, warn people: DON'T WORK FOR AMERICAN INCOME LIFE. THEY DON'T CARE IF YOU DO OR DON'T. This company will use you for all they can get out of you. They will waste your time and money.
Please head my warning. I beg of you. I don't want to see good people make the same mistake I did. They will say whatever it takes to get you in, and you will have a good week early on. After that, you are done as far as they are concerned.
I also signed a contract and will not be surprised if I get sued. I don't care. I would rather go to jail then see others make the same mistake I did. I really am a fool.
Denisse Wilkes-Barre, Pennsylvania
This report was posted on Ripoff Report on 06/08/2002 12:56 AM and is a permanent record located here: http://www.ripoffreport.com/r/American-Income-Life-Insurance-Ripoff-Report-Verified-businesses-you-can-trust-American-Income-Life-National-Income-Life-provides-products-and-services-through-independent-representatives-and-has-been-providing-benefits-to-families-for-over-50-years-/Harrisburg-Pennsylvania/American-Income-Life-Insurance-REVIEW-National-Income-Life-Jobs-not-a-scam-AIL-100-comm-22332. 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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