• Report: #134672

Complaint Review: 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.

  • Submitted: Fri, March 11, 2005
  • Updated: Mon, March 16, 2015

  • Reported By:Omaha Nebraska
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.
PO Box 2608 Waco, Texas United States of America

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.

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: who's who HaHa, Hal, or Gay Mike, Or Jimmiieachie, who cares you all stink

*UPDATE EX-employee responds: Jimmie's on numbers are quite accurate.

*UPDATE EX-employee responds: All that Math confuse you Ricky? Let's see what a real insurance company sells for!

*UPDATE Employee: Ha Ha the hook nose Hal, what really happened at Metlife?

*UPDATE EX-employee responds: Yes Ricky, I worked there as well as others, and again you avoided the question and the quote!

*UPDATE EX-employee responds: tom co**lly how many "alter egos" you have posted

*Consumer Suggestion: To Richard I do not doubt have more extensive knowledge about insurance,

*UPDATE Employee: Jimmie you seem to be very uninformed about what is avilable at AIL

*UPDATE EX-employee responds: Yes Richard they were presented to me by some of the best liars in the industry

*UPDATE EX-employee responds: Yes Richard they were presented to me by some of the best liars in the industry

*UPDATE EX-employee responds: Yes Richard they were presented to me by some of the best liars in the industry

*UPDATE EX-employee responds: Yes Richard they were presented to me by some of the best liars in the industry

*UPDATE Employee: Jimmy uninformed

*UPDATE EX-employee responds: Sure Richard, just how much can you sell that $500,000 term policy for?

*Consumer Suggestion: To Richard from MB Our accident policy has paid when it is supposed to

*Consumer Suggestion: To Richard from MB Our accident policy has paid when it is supposed to

*UPDATE Employee: Regina, proud of the products they offer

*Author of original report: Deceptive insurance selling to union members

*Consumer Comment: Local 435, NILICO,AIL,AFL-CIO Local277, Via Helth Rochester, benefits not what they appear to be

*Consumer Comment: For Frank in regina -and ALL others look closely at your life policy

*Consumer Comment: For Frank in regina -and ALL others look closely at your life policy

*Consumer Comment: For Frank in regina -and ALL others look closely at your life policy

*UPDATE EX-employee responds: IN the USA you are protected, probably in Canada also

*Consumer Suggestion: Is the insurance part good or not?

*Consumer Comment: A Union with 17,000 members refuses to help members

*Consumer Suggestion: Another Local 435 member being bothered ny NILICO on SUNDAYS Local 277, AFL-CIO, AIL

*Consumer Suggestion: Another Local 435 member being bothered ny NILICO on SUNDAYS Local 277, AFL-CIO, AIL

*UPDATE EX-employee responds: Solitary Dylan, AIL,NILICO, AFL-CIO, Local277

*UPDATE EX-employee responds: In Solidarity Ha Ha brother, wink, wink, we are all union brothers AIL, NILICO,AFL-CIO, LOCAL 277

*UPDATE EX-employee responds: In Solidarity Ha Ha brother, wink, wink, we are all union brothers AIL, NILICO,AFL-CIO, LOCAL 277

*UPDATE EX-employee responds: In Solidarity Ha Ha brother, wink, wink, we are all union brothers AIL, NILICO,AFL-CIO, LOCAL 277

*UPDATE EX-employee responds: In Solidarity Ha Ha brother, wink, wink, we are all union brothers AIL, NILICO,AFL-CIO, LOCAL 277

*UPDATE Employee: Hardly a Ripoff... 1.5 million" paid out is absolutely true

*Consumer Suggestion: American Income, National Income, Torchmark, Local 277, Local 435,AFL-CIO

*UPDATE Employee: GET THE FACTS MAN

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REVIEW UPDATE: MARCH 16 2015: 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.

===================== NOW TO THE ORIGINAL REPORT THAT WAS FILED

=====================

American Income Life ripoff Not really represented by union. Also, do not even write the AFL, CIO's AD&D, ULLICO Union Life does RIPOFF Waco Texas

I was just looking at my union benefit site because I received a mailing from American Income asking me to mail in my current beneficiary. Well, American Income does not even sell that policy! It is sold by Union Life and is called the Union Secure plan. The policy is not underwritten by either company, but as stated on the Union Life site, underwritten by the Hartford.

So, out of curiosity, I go back to the AI website, and guess what, they still claim:

"AIL and NILICO continue to offer their Accidental Death and Dismemberment program at no cost to the union members. In the past 10 years, this benefit has proven its worth time and time again.

In 2004 alone, over $1.5 million was paid out nationally through the AD&D program. With more than eight million members covered in 2004, an impressive $8 billion of group AD&D insurance is being provided at no cost."

So, they deliberately are deceiving union members. They have nothing to do with the Union Secure Plan, and claim it as theirs.

Lastly, the whole Union Local thing is a joke. The victims are hired as independent contractors. They receive no salary. They are not eligible for Union representation. No wonder they all wonder what their dues go for.

So, just from those lies, I know to stay far away from this company.

Greg Omaha, Nebraska
U.S.A.

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

//

This report was posted on Ripoff Report on 03/11/2005 09:14 PM 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/Waco-Texas-76797/American-Income-Life-Ripoff-Report-Verifiedbusinesses-you-can-trust-Feel-safe-c-134672. 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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Click Here to read other Ripoff Reports on 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.

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#1 UPDATE EX-employee responds

who's who HaHa, Hal, or Gay Mike, Or Jimmiieachie, who cares you all stink

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

OK,

These PUNKS and LIARS and THUGS sell the

"10 YEAR TERM INSURANCE" under the "code" name of "Income Protection" and you can bet none of the suckers "union members" or their friends and family members who can be invited because they are so special that they can get a free for 1 year a whopping $1000 accidental death benefit know what that means. Their "code" word for their way over priced "WHOLE LIFE" insurance is "FUNERAL BENEFIT". They call the whole combination of a funeral benefit plus sometimes the extra income protection plus the accident policy "THE FAMILY CARE PLAN", you can't get that anywhere else. You can drop the funeral benefit and the income protection, save a bundle and keep the part of value to most families for $11.51 per month or $135.08 per year. Keep them all if you think it's a good deal? With the money you save you can go buy whole life or term life 12 times cheaper many other places, or for the same price buy 12 times the face value "COVERAGE" that the survivors need after your passing. Why not pay of the house, cars, education. loans and the funeral instead of just paying for the funeral. They also misrepresent by telling people that their FUNERAL BENEFIT pays out IMMEDIATELY AND DIRECTLY after death, very untrue, as a matter of fact I have been told that any policy under two years of age has a very good chance of being dragged out and challenged after an autopsy. Dead man tells no lies. They hire their competitors from Combin*d Life to go around and illegally replace those policies. They force the buyers to sign a paper saying they are not replacing a policy when in fact many of the customers often say I will replace my Combin*d Life policy with this one. They don't believe in DISCLOSURE laws and have not been spanked hard enough from NYS yet! If you have a complaint in NYS you can file a complaint on line at https://www.secure03.ins.state.ny.us/webproxy/proxy/complaint/0/StartForm*jsp (*=.) Dumron spends half of his time threatening real agents that went on to work for real insurance companies that if they replace one of his policies he will sue them and he has not lost a lawsuit yet. Yadada. They say thieves always lock their doors. Mark Colbert from Markcolbert*com disagrees and claimed the parent company "AMERICAN INCOME LIFE INSURANCE COMPANY" has been sued in 9 States and paid to settle each time after seeing the evidence. New York is next on the list.They threaten and lie and steal from the agents just like they train the agents to lie and deceive the union members and the referrals. Do a similar search on "AMERICAN INCOME" you will see that these problems and accusations have been going on for many years in every State. It sounds like GAY Mike is trying to take credit for being HA HA, if so big deal failure at career #2, he couln't teach either. He drinks and lies a lot. Don't you have more cancellations than everyone else in the office or did someone take your crown? LOSER! Have another drink to last guy you screwed.
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#2 UPDATE EX-employee responds

Jimmie's on numbers are quite accurate.

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

Frank, Rich can't answer you with out looking like a moron, because Jimmie's numbers are quite accurate. I cannot think of one example where it would be in the consumers best interest to purchase a 10 year term from NILICO or AIL. It is not even presented as a 10 year term product, but as a Family Care Plan. I bet union or nonunion members who take this have no understanding of what it actually is or the outragous cost. This may not be the policy that you have. If it is, I would cancel it, but not before getting something(if you have a need)with better rates, a higher face amount and longer term. It is simple to do. If you have the hospital benefit, KEEP IT. $12 a month for family is a great benefit. If you signed up when you were over 50 it's like $15, still good coverage, especially if you have kids under 18, or in college.

Ha Ha, How do you feel writing all those Family Care Plans? Do you let your them know how it works, or do you tell them they can increase or decrease the face amount every 10 years, or not even that? Who cares about your idenity, or Jimmie's. What he writes is true. Future agents or buyers deserve a little warning.
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#3 UPDATE EX-employee responds

All that Math confuse you Ricky? Let's see what a real insurance company sells for!

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

Like the others, you were too scared to put up the numbers so I did for you and now that I did I see you shut up. The truth always shuts up a story teller from AIL / NILICO. You probably would not know the truth anyways.

Here is what 5 real insurance companies quoted on Mr. Doe 35 male in tip top shape, non smoker for 10 year term offered on line through selectqu*te.com. The names of the insurance companies look something like this.

1.Linc*ln NY

2.Ch*se NY

3.William P*nn

4.Americ*n Mayflower

5.Pruc*

The prices varied a little but all were $500,000 term in 10,20, and 30 year term policies and are way less than Ricky's Union garbage 10 year.

10 year term, 500,000 $185.00 per year, $15.42 per month, $0.51 per day, $0.37 per $1000x500=$185, compared to Ricky's 2,230 per year, gee Ricky which would you buy?

20 year term, $500,000 coverage $275.00 per year,$22.92 per month, $0.75 per day, $0.55 per 1000x500=$275 per year. Still with me Richard?

30 year term $500,000 coverage, $530 per year,$44.17 per month, $1.06 per 1000x500= $530 per year.

Wow what a great Union Product you sell, and what a bargain, $185 per year compared to your $2,230 per year.

If it were not for the Rochester, NY SGA talking so negatively about selectqu*te.com and ripoffreport*com I would have never known.

Thanks Dumron.

How many attorneys do you have threatening everyone again? I forgot?

Things for the novice to consider.

At 35 how long will I need to protect my family, mortgage kids school, widow's needs?

Does 10 years sound like enough? Of coarse not.

That's why the uniononly sells it. Anyone with a brain would buy the 20 or the 30 year term for those prices if an honest guy advised him properly.

The 30 year term is still $1,700 per year cheaper than the union 10 year term per YEAR!

If at any time Mr. Doe got cancer, heart problems, kidney, diabetes, etc. during those other 20 years nobody would sell him insurance for any price.

As a side note for Ricky, Mrs. Doe could bury or cremate Mr. Doe with that $500,000 and have enough to pay off most if not the rest of her debt.

To HaHaHal, Dumron, Jimmyachi, Gay Mikey, Leo, Greg, Tom, Burbs, Greg, Larry, All the Combined Replacement enforcers from Strong Steve down to the lowest retention rate managers in the 65% range, and all the future used car salesman and failed teachers with alcoholism, I would like to replicate you to use as target practice. I don't think I've seen as many Crooks in Jail.
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#4 UPDATE Employee

Ha Ha the hook nose Hal, what really happened at Metlife?

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

Ha Ha Hal,

Do you know many different names you have used the terms, get over yourself? Get over it? Take your hands off yourself.

Stop drinking, pull up your pants and get to work.

I'm trying to hire new guys to make up for all the ones you are pushing out the door and mocking.

I thought we were not supposed to talk about the criminal records of those that we work with?

Durhon says that is being negative.

Don't worry about where all the ex-agents went. They are all doing fine without NILICO.

Now everyone knows that NILICO hires ex-cons due to your big mouth. How would they ever guessed if it was not for your big mouth? How else could we sell that much? Remember how much we learn from those convicted felons.

From what I remember you had some legal problems yourself. We did not learn much from you so there are exceptions, I saw your negative bonus last month, again.

One thing you or I don't have is a job, just a contract.

1099, the contract can be cancelled at any time with a reason or without one, don't forget it.

Hide on your laptop but remember how many of us you told? I for one will tell Durhon what you told me.

If I can't make it as a manager I might make it as a MGA after I help get rid of you like I did with Mark R.

Don't like it file a grievance with your union.
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#5 UPDATE EX-employee responds

Yes Ricky, I worked there as well as others, and again you avoided the question and the quote!

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

Yes, I worked there Ricky, I told you I was presented by some of the best Liars in the industry and that is where I met them.

Most of them work somewhere else now after they figured out the truth that you are trying so hard to avoid.

I've also met some reputable honest guys from bigger more honest companies that don't have to sneak into the home like a weasel pretending to drop off a free $1000 accidental death benefit that the union member already has whether or not I can fool him into believing I had to drop off his union benefits. And oh by the way, look at these great benefits I have here in my bag, your union sent me so they must be a great deal. Gag..

I never said anything against whole life.

What I said was a customer like John and Jane Doe would be much smarter buying a 20 or 30 year $500,000 term policy for about the price of a $7,000- $15,000 of your expensive whole life policy through your company.

I gave you plenty of chances to quote a price and you said you can write term up to age 100 so why are you afraid to look up the cost and show us?

Are you licenced to sell variable insurance products through AIL? Can you sell mutual funds through AIL? Or is that for the real insurance companies? Are you licensed to sell them? Most AIL/NILICO agents are not and the company does not sell them anyways, not enough profit and the morons they hire could not pass the tougher exams.

With a 9% annual agent retention rate why bother, most are gone before you learn their names.

Well since you are too scared to look them up I'll help you with NYS prices, probably identical to yours or very close, I'm not sure how the difference in the currency effects it.

In the great State of of NY I can tell you a 35 year old male in excellent condition will pay through your company for a 10 year term R&C for a 35 year old non smoker in excellent shape $4.46 per thousand of coverage, so multiply that times 500 because after doing our needs analysis we determined that Mr. and Mrs. Doe needed $500,000 of protection for their family we get a staggering annual cost of $2,230 per year or $185.83 per month or $6.11 per day.Ouch, please stop the bleeding.

Now since they don't offer a 15,20,25,30 year term lets assume Mr. Doe thought he got a great deal from his union and decided 10 years later to buy another $500,000 worth of term since his first one ran out.

Now Mr. Doe Is 45 still not smoking and still in great shape, let's assume he has not had any medical problems yet that would cause a rating so he could not get these great union prices.

Ready, set, go! $8.58 per thousand times 500 equals only $4,290 per year, only $357.50 per month or only $11.75 per day. Wow, what a union bargain and the agent gets about 50% commission for the first year.

Now let's hope, if he still hasn't had that stint, cancer, stroke, diabetes Mr. Doe reaches his 55th birthday and feels the need to buy another $500,000 10 year term and he is still in tip top shape, the current cost for that 55 year old male is only $19.92 per thousand and we will multiply that times 500 and we will find the cost of $9,960 per year or $830 per month, only $27.29 per day.

Want to know what happens to Mr. Doe if he wants to buy $500,000 term through your company in NYS at 65 ? He can't buy it for any amount of money because your chances are too great that you may die and if you did they would have to pay a claim. They stop at age 58 at $23.87 per thousand. At 58 you could still buy $500,000 10 year term for only $11,935 per year, $994.58 per month or $32.70 per day.

Great union product? you choose.

Lets say Mr. Doe bought this $500,000 term policy at 35 and paid on it for 10 years at $2,230 per year, that would be $22,300 and then paid for 10 more years at $4,290 per that another $42,900 totalling so far $65,200. Then he buys 10 more years at $9,960 per year thats another 99,600 for a total of $164,800 RICKY!!!!

If Mr. Doe dies at 66 or older he can't collect a penney. No cash value, and the union company can't write him any more term.

What a deal Ricky! Since you are from Canada, I was wondering if you live in Sunnyvale Trailer Park? If so tell Julian and Bubbles that if they want to pass their grade 10 they must come in for their Math exams, see you on Showcase channel Sunday evenings after you are done calling your union folks.

Try swallowing this one and I'll look up some comparable prices through legitimate insurance companies for 10,20,30 year terms since that would be a wiser choice for Mr. Doe working at the local union. Why do you other insurance companies sell 15,20,25 and 30 year terms anyways? Can you think of any conditions where the 10 year term would be a wiser choice for Mr. Doe at 35?

Have a swell day Ricky!
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#6 UPDATE EX-employee responds

tom co**lly how many "alter egos" you have posted

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

Tom, for those of us who know you, it is obvious how many "alter egos" you have posted on this website. The fact of the matter is, you can't get another job. You are spending entirely too much time dwelling on your past failures, and are choosing to blame them on someone else. Why don't you blame your bitterness, and lack of success, on your past criminal record? You want to talk about bad practices? I believe someone with a record like yours has no business throwing stones. Once again, get over yourself. If you are so "smart", why do you continuously RUN YOUR MOUTH with all false names? Why don't you post your own number on here, instead of everyone else's?
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#7 Consumer Suggestion

To Richard I do not doubt have more extensive knowledge about insurance,

AUTHOR: Frank - (Canada)

Well, I see your point Richard, I do not doubt have more extensive knowledge about insurance, and I agree, a balanced protection is suggestable if money allows.



Nevertheless, as a consumer, and AIL Policy Holder, I was wondering if you could answer Jimmie's question ? ? ? I believe it would be of great public interest and it would certainly illustrate people like me that are not that proficient with insurance

Thank you.
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#8 UPDATE Employee

Jimmie you seem to be very uninformed about what is avilable at AIL

AUTHOR: Richard - (Canada)

You mentioned that you could easily straighten this out for me. Go ahead. Straighten away.

As an ex employee you seem to be very uninformed about what is avilable at AIL. You also seem to have a bias against whole life. Most reputable insurance companies have both types available. Each type has its advantages and disatvantages,. Most people need a balance of both not one or the other. You seem fixated on just one type I wonder if you ever worked at AIL, or if you did were you trained enough to know all the options. Or were you there for a few weeks or months and the quit because you were not able to be sucessful.

I notice that you seem to be on this report dozens of times. I assume you now have a good job with great money and benefits that allows you

all this time to spend online. Maybe you are even working for an insurance company that advises to buy term and invest the rest.

I don't know who Ricky is but if I run into him i will give him your regards
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#9 UPDATE EX-employee responds

Yes Richard they were presented to me by some of the best liars in the industry

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

Now if you could stop avoiding the question and answer it I would be happy and the readers would learn some facts rather than your smooth talking answers to questions that were not asked.



You say you sell term benefits up until age 100? Great lets make it simple and look up two quotes for a 35 and 45 year old healthy male who wants to get a quote for a $500,000 term policy for 20 years or 30 years for a male in healthy condition, non smoker in tip top shape.

Lets call this guy John Doe and assume that John has a wife named Jane and five children, a mortgage, two car payments, and an expensive recreational vehicle so John thinks that a 500,000 term policy would be wise in case he died prematurely.



Surely Jane (the widow)could pay for John's funeral or cremation out of the 500,000 and pay off the mortgage and other bills and send the kids to school if she used the money wisely.

So if you could look up those numbers from your rate book and any of the readers can go on line to compare costs they will see how far out of range your term policies costs are and never mind your other great

products.



I could easily straighten those out for you as well but what is the point?

Everyone knows a John and Jane Doe in those ages with those types of bills and children that need that much protection and only a fool would spend that much money for a $7000 whole life product because after the funeral there is nothing left but the bills, and the house and other things to sell.



Can't you please look up those numbers Ricky?

Thanks in advance, I'm sure you will do it this time because I did say PLEASE.
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#10 UPDATE EX-employee responds

Yes Richard they were presented to me by some of the best liars in the industry

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

Now if you could stop avoiding the question and answer it I would be happy and the readers would learn some facts rather than your smooth talking answers to questions that were not asked.



You say you sell term benefits up until age 100? Great lets make it simple and look up two quotes for a 35 and 45 year old healthy male who wants to get a quote for a $500,000 term policy for 20 years or 30 years for a male in healthy condition, non smoker in tip top shape.

Lets call this guy John Doe and assume that John has a wife named Jane and five children, a mortgage, two car payments, and an expensive recreational vehicle so John thinks that a 500,000 term policy would be wise in case he died prematurely.



Surely Jane (the widow)could pay for John's funeral or cremation out of the 500,000 and pay off the mortgage and other bills and send the kids to school if she used the money wisely.

So if you could look up those numbers from your rate book and any of the readers can go on line to compare costs they will see how far out of range your term policies costs are and never mind your other great

products.



I could easily straighten those out for you as well but what is the point?

Everyone knows a John and Jane Doe in those ages with those types of bills and children that need that much protection and only a fool would spend that much money for a $7000 whole life product because after the funeral there is nothing left but the bills, and the house and other things to sell.



Can't you please look up those numbers Ricky?

Thanks in advance, I'm sure you will do it this time because I did say PLEASE.
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#11 UPDATE EX-employee responds

Yes Richard they were presented to me by some of the best liars in the industry

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

Now if you could stop avoiding the question and answer it I would be happy and the readers would learn some facts rather than your smooth talking answers to questions that were not asked.



You say you sell term benefits up until age 100? Great lets make it simple and look up two quotes for a 35 and 45 year old healthy male who wants to get a quote for a $500,000 term policy for 20 years or 30 years for a male in healthy condition, non smoker in tip top shape.

Lets call this guy John Doe and assume that John has a wife named Jane and five children, a mortgage, two car payments, and an expensive recreational vehicle so John thinks that a 500,000 term policy would be wise in case he died prematurely.



Surely Jane (the widow)could pay for John's funeral or cremation out of the 500,000 and pay off the mortgage and other bills and send the kids to school if she used the money wisely.

So if you could look up those numbers from your rate book and any of the readers can go on line to compare costs they will see how far out of range your term policies costs are and never mind your other great

products.



I could easily straighten those out for you as well but what is the point?

Everyone knows a John and Jane Doe in those ages with those types of bills and children that need that much protection and only a fool would spend that much money for a $7000 whole life product because after the funeral there is nothing left but the bills, and the house and other things to sell.



Can't you please look up those numbers Ricky?

Thanks in advance, I'm sure you will do it this time because I did say PLEASE.
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#12 UPDATE EX-employee responds

Yes Richard they were presented to me by some of the best liars in the industry

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

Now if you could stop avoiding the question and answer it I would be happy and the readers would learn some facts rather than your smooth talking answers to questions that were not asked.



You say you sell term benefits up until age 100? Great lets make it simple and look up two quotes for a 35 and 45 year old healthy male who wants to get a quote for a $500,000 term policy for 20 years or 30 years for a male in healthy condition, non smoker in tip top shape.

Lets call this guy John Doe and assume that John has a wife named Jane and five children, a mortgage, two car payments, and an expensive recreational vehicle so John thinks that a 500,000 term policy would be wise in case he died prematurely.



Surely Jane (the widow)could pay for John's funeral or cremation out of the 500,000 and pay off the mortgage and other bills and send the kids to school if she used the money wisely.

So if you could look up those numbers from your rate book and any of the readers can go on line to compare costs they will see how far out of range your term policies costs are and never mind your other great

products.



I could easily straighten those out for you as well but what is the point?

Everyone knows a John and Jane Doe in those ages with those types of bills and children that need that much protection and only a fool would spend that much money for a $7000 whole life product because after the funeral there is nothing left but the bills, and the house and other things to sell.



Can't you please look up those numbers Ricky?

Thanks in advance, I'm sure you will do it this time because I did say PLEASE.
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#13 UPDATE Employee

Jimmy uninformed

AUTHOR: Richard - (Canada)

Jimmy,

Again, you demonstrate the point about being uninformed.

We have a number of term benefits available ranging from 4 years, all the way to term-to-100. Some are convertable and renewable, some are not. We look the members needs and then recommend the appropriate coverage.

Has someone actually presented the options available to you or are you basing your comments on some other information?
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#14 UPDATE EX-employee responds

Sure Richard, just how much can you sell that $500,000 term policy for?

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

Your story sounds good but is not close to reality. Look up your rate chart and tell me what a 35 year old male in excellent condition and weight would pay for a 20 or 30 year term, with a $500,000 face value = enough to pay off the house and send the kids to school, car notes, credit cards, etc. and take care of the widow. Locally here they only sell 10 year term, not of much use to people in that age group raising a family, and try the same thing with a 45 year old male in the same condition. Write back for us to see what the cost is. If you can only sell a 10 year get that price and note if you can't write a longer term. Any way you slice it anyone can buy a policy that size for 10 times less from a dozen different companies on legitimate web sites that anyone can input their information like www.selectquote*com and see with their own eyes. Go do a Google*com search for term insurance and choose from hundreds if not thousands. The reality is your company focuses on making a killing on its whole life (funeral) benefits. That is where your pay check primarily comes from. Usually a $7000-$15000 whole life policy for the cost comparable to a smarter mans choice of a $500,000 20-30 year term that buys him enough time time to raise his family and protect them very well in case he dies before social security, retirement, 401K, annuities, etc. kick in. In NY they don't offer 15,20,25,30 year term for any amount of money because they just want to sell you their over priced whole life. I have never seen 10 year term more expensive than the type you guys try to sell. If you feel good selling people that crap how good would you feel selling the families bread winner a half million in protection for about the same cost?
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#15 Consumer Suggestion

To Richard from MB Our accident policy has paid when it is supposed to

AUTHOR: Frank - (Canada)

Hi Richard,



I live in SK, and I have policies with AIL - I just want to make that clear-



Our accident policy has paid when it is supposed to, nothing wrong with the benefits at all, nothing wrong with honest Insurance Agents at all, in fact, they are eye openers!!!



NOW, there very SHAMEFUL practices of AIL :



Hiring practices, being an Agent is not an easy job, it is not a job for everyone, and only few are succesful.



You are hired under the idea that the chances of having a succesful carreer are very high, that everyone can do it, and that you need no sales experience. I bet you have seen hundreds going through the revolving doors.



I know of at least 3 or 4 univeristy graduates, that being just out of university, with big debts, desperate to get a job to at least eat have trusted AIL's hiring managers on how likely is to make a 6 figure income in your first year.



That is wrong!!! you better than noone know it is not an easy job as they say it is, it is immoral to make people in that situation believe that several people make it. This is not an attack towards you at all, it is just to make a point that they way the "opportunity" is presented to potential agents is just shameful. They never tell new people thay only 7% of the agents make it through the first year.



Imagine a 23 year old desperate to get some money to pay for his/her food,gas an a hotel when he/she is at a work trip away from home, trying to sell insurance... he/she will mostly do ANYTHING it takes to sell those policies!!!! and we are talking he/she is playing with people's life/death needs, it is not like selling a vacum machine, it is selling economic aid when that very rainy day comes to the family he/she sells to!!!



Do you see my point? why would you only sell a 10,000 dollar whole life insurance to a 35 year old with a mortgage and 3 kids that will be going to college??? I believe you would not do that Richard, but some 23 year olds would to at least have the money to pay the gas to go back home after a work trip.
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#16 Consumer Suggestion

To Richard from MB Our accident policy has paid when it is supposed to

AUTHOR: Frank - (Canada)

Hi Richard,



I live in SK, and I have policies with AIL - I just want to make that clear-



Our accident policy has paid when it is supposed to, nothing wrong with the benefits at all, nothing wrong with honest Insurance Agents at all, in fact, they are eye openers!!!



NOW, there very SHAMEFUL practices of AIL :



Hiring practices, being an Agent is not an easy job, it is not a job for everyone, and only few are succesful.



You are hired under the idea that the chances of having a succesful carreer are very high, that everyone can do it, and that you need no sales experience. I bet you have seen hundreds going through the revolving doors.



I know of at least 3 or 4 univeristy graduates, that being just out of university, with big debts, desperate to get a job to at least eat have trusted AIL's hiring managers on how likely is to make a 6 figure income in your first year.



That is wrong!!! you better than noone know it is not an easy job as they say it is, it is immoral to make people in that situation believe that several people make it. This is not an attack towards you at all, it is just to make a point that they way the "opportunity" is presented to potential agents is just shameful. They never tell new people thay only 7% of the agents make it through the first year.



Imagine a 23 year old desperate to get some money to pay for his/her food,gas an a hotel when he/she is at a work trip away from home, trying to sell insurance... he/she will mostly do ANYTHING it takes to sell those policies!!!! and we are talking he/she is playing with people's life/death needs, it is not like selling a vacum machine, it is selling economic aid when that very rainy day comes to the family he/she sells to!!!



Do you see my point? why would you only sell a 10,000 dollar whole life insurance to a 35 year old with a mortgage and 3 kids that will be going to college??? I believe you would not do that Richard, but some 23 year olds would to at least have the money to pay the gas to go back home after a work trip.
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#17 UPDATE Employee

Regina, proud of the products they offer

AUTHOR: Richard - (Canada)

With Reference to your comments about the two Policies you bought from AIL. In Saskatchewan, as well as all other provinces, when you purachase any life or sickness/ accident policies you enter into a contract with the policy issuer.



With respect to all policies from AIL the terms are clearly laid out in the policy itself which you will recieve in the mail 4-6 weeks after applying. You are actually covered from the date of application (as long as you can qualify and the statements on the application were true) After the policies arrive you still have another 10 days to return them and you will get all your money back. If you decide to keep the policies you still can cancel at any time in the future.



These policies are legally binding and the company is compelled by law to pay out based on which type of policy you have.



I work for American income life and am proud of the products they offer. I joined the company not as a starry eyed youngster who was sold a good story, but as a veteren in business with 20 years experience. Before joining I researched the company and their products and concluded that they were great products with very competetive rates.



I see lots of talk on the internet about how high the rates are and how you can get $500,000 term policies for pennies etc. One of the reasons why Insurance agents are licenced is because we have to learn all the different products avialable and what suits each member's needs. I have over 30 different products available to present to the members ranging from 4 year term to whole life to Critical illness. We select the policies best suited to the membersactual needs so as not to overlap with what they already have! By the time we visit a members home, The union local executive as well as most of the shop stewards have already had a presentation about the benefits and in many cases have enrolled in some of the benefits. The union has approved the letter sent out to the members and mailed the letter themselves (or using a mailing house)American income pays for the mailing.



One comment made was that American Income gets the mailing list and uses it to do their own mailing. If you know anything about unions you will know that their member mailing list is a closely guarded secret and that they would never give it to American Income. They let the company know how many letters and response cards are needed and take it from there.

After the response cards are sent back.



We telephone the members to set up a time to deliver their no cost benefits and to inform them of other benefits available. Sometimes members do not want a visit. That's ok we do not want to go to a home where we are not wanted. When we do go to the home our job is to deliver the benefits and explain the options. After we are done whether the member enrolls in additional benefits or not, we fill out a reprot card that goes back to the union.



If the member gets extra benefits we process the paperwork submit it to AIL and repeat the process all over again. I personally enjoy my job very much because I am earning a good living and am helping people at the same time.



There seems to be a lot of animosity towards AIL on this website and I can only say that it seems mainly to be because of misinformation, and lack of understanding about what we actually do. I hope this has cleared up a few questions
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#18 Author of original report

Deceptive insurance selling to union members

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

After reading the responses to my warning message, I feel I must add more. Somebody said that I should call my local union president to ask about the letter I received.



Yes, the letter was sent with the Local union office as the return address. But the mailing is mailed by the agent or AIL.



Yes, the mailing list was provided by the union local. An agent calls stating that AIL is endorsed by the National Union, and they would like the mailing list. Sounds innocent, as the local president has no idea the members are prey for the vultures.



I am a former union finance officer, so my comments are not from reading internet posts--I speak from experience. I was warned 8 years ago about AIL by the union leadership.



My union's national office issues the following warning:



--------------------------------------

Important:



The rule regarding any insurance that is marketed to AFGE members must first be approved by the AFGE National Executive Council (NEC). If your Local is approached by an insurance company representative, first check with the National Vice President (NVP) of your District to see if either full or limited approval has been granted. If a member is approached by an insurance salesman who says he is working for the union, the member should beware and report this to the Local. These rules are in place to protect Locals and our members from unscrupulous insurance representatives who misrepresent themselves. Adopting an insurance program without a review by your NVP and the AFGE General Counsel may cause serious legal or financial problems and/or bad faith among the members of AFGE.



If an individual or Local has an insurance program they wish to provide AFGE members, they must contact their NVP with the proposal. If the NVP feels the plan warrants further consideration, he or she will submit it to the NEC's Insurance Committee. If approved by the Insurance Committee, then the full NEC will vote for or against approval.



The NEC approves insurance programs from a particular company, and that company may not market other plans sold by that company. On a federation-wide basis, only three companies (National Western Life, Union Privilege, and Americo) are currently authorized by the NEC to have one-on-one contact with an AFGE member -- subject to the National Vice President's and the Local President's approval.



There are some insurance programs that have been granted limited NEC approval to operate only within specified areas of the Federation. Always check with your National Vice President to determine if an insurance carrier has approval, as well as which plan they are permitted to sell. Immediately bring any problems, complaints or contacts by an unknown insurance company to the attention of your NVP. Remember, this is for the member's and the Union's protection.
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#19 Consumer Comment

Local 435, NILICO,AIL,AFL-CIO Local277, Via Helth Rochester, benefits not what they appear to be

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

I'm definately smelling a RAT. I bought these extra benefits about ($70.00 per month) after Bob Brown our Business Manager from the Local 435 Labors union in Rochester,NY. sent us a letter offering us no-cost family coverage through the union included a card that said send this in right away. I did. Later my wife was packing food for the slick talking insurance salesman using the name of my local 435 to get in the door. He told us all the great things that these new union benefits will do for us union members. He said most of the guys are getting these benefits as they are needed. He neglected to tell us that although our union health insurance that always claimed and continues to claim to pay 95% of doctors bills when we had emergencies that required medical treatment, is now paying far less than 50% of those bills since signing up with National Income. One of the examples of their 95% of coverage include a trip to the emergency after hitting a thumb with a hammer, causing the burning of a whole and loss of a nail, very painful. The local hospital bill totaled up to $921.24 and my union Local 435 only paid $358.56 (38.92%) and sent me a bill for $562.68 (61.08%). My calculator says they should have paid the hospital at a rate of 95% as the contract says, $875.18 leaving me with a bill at 5% equalling $46.06.I got screwed out of $516.62. I have an appointment to see Bob Brown next week and if this is not resolved quickly I will be writing to the NYS Insurance department and I have some other similar claims. It takes money from my household income when the unions find new ways to work deals with insurance companies that leave me paying an extra $70.00 per month for more coverage but ending up with less. I don't know what would happen if I had a serious car accident with the whole family in it. They better have solid proof as to why they are refusing to pay the 95%. The closest hint I got from the two secretaries is that they pay 95% of reasonable charges in that area. I'm almost an hour from a city hospital and 25 minutes from the closest hospital that I believe are both run by VIA Health of Rochester. Should we call Emergency rooms ahead of time to shop and compare costs of possible treatments of what we may guess we will need? Do the hospitals negotiate these costs while we are being treated? Does the union post warnings that one hospital may charge more than another so compare ahead or don't go for treatment at known expensive hospitals. Most laymen would think all hospital bills look very expensive. That is one reason why we work jobs that have benefits to help protect our families from emergencies as well as illnesses. What next? Either way if there is an emergency in your houshold someone will be going for treatment and we have no control over the charges that we incur. I hope I can trust the union to do the right thing and if they don't there will be legal action taken. I was born at night but it was not last night. I want full disclosure!
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#20 Consumer Comment

For Frank in regina -and ALL others look closely at your life policy

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

Please look closely at your life policy -

IF you got it thru a union promotion, there *may* be a clause that says { paraphrased ] "policy is in effect as long as premiums are paid and policyholder qualifies or meets defintion "



Since the policy may be for union *members* , then you meet the requirements as long as you are a *member*



It would take a close look at the union governing documents to determine if - after retireing you are still a member - sinc eyhou may have to pay a portion of regular dues- a $1 a year - or some such.



There may also be a conversion clause which would read you have xx days to convert at teh then premium rate when you no longer * qualify*



The union may or may not give you specific notice that you are no longer considered a member - and - if so - when the time comes - the company may simply deny your spouse coverage .. The bottom line - read your policy carefully - and find out the answers to the above possibilities . You might be unpleasntly surprised. And if it is NOT in writing - it doesn't exist- meaning If you get a phone answer - write it down - make a copy- mail it to yourself - and then follow up with whomever in writing and be sure you get a written answer on appropriate letterhead. Without that - or if delays /excuses seem to be the order of the day/week/month- be warned and figure ouit what to do next
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#21 Consumer Comment

For Frank in regina -and ALL others look closely at your life policy

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

Please look closely at your life policy -

IF you got it thru a union promotion, there *may* be a clause that says { paraphrased ] "policy is in effect as long as premiums are paid and policyholder qualifies or meets defintion "



Since the policy may be for union *members* , then you meet the requirements as long as you are a *member*



It would take a close look at the union governing documents to determine if - after retireing you are still a member - sinc eyhou may have to pay a portion of regular dues- a $1 a year - or some such.



There may also be a conversion clause which would read you have xx days to convert at teh then premium rate when you no longer * qualify*



The union may or may not give you specific notice that you are no longer considered a member - and - if so - when the time comes - the company may simply deny your spouse coverage .. The bottom line - read your policy carefully - and find out the answers to the above possibilities . You might be unpleasntly surprised. And if it is NOT in writing - it doesn't exist- meaning If you get a phone answer - write it down - make a copy- mail it to yourself - and then follow up with whomever in writing and be sure you get a written answer on appropriate letterhead. Without that - or if delays /excuses seem to be the order of the day/week/month- be warned and figure ouit what to do next
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#22 Consumer Comment

For Frank in regina -and ALL others look closely at your life policy

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

Please look closely at your life policy -

IF you got it thru a union promotion, there *may* be a clause that says { paraphrased ] "policy is in effect as long as premiums are paid and policyholder qualifies or meets defintion "



Since the policy may be for union *members* , then you meet the requirements as long as you are a *member*



It would take a close look at the union governing documents to determine if - after retireing you are still a member - sinc eyhou may have to pay a portion of regular dues- a $1 a year - or some such.



There may also be a conversion clause which would read you have xx days to convert at teh then premium rate when you no longer * qualify*



The union may or may not give you specific notice that you are no longer considered a member - and - if so - when the time comes - the company may simply deny your spouse coverage .. The bottom line - read your policy carefully - and find out the answers to the above possibilities . You might be unpleasntly surprised. And if it is NOT in writing - it doesn't exist- meaning If you get a phone answer - write it down - make a copy- mail it to yourself - and then follow up with whomever in writing and be sure you get a written answer on appropriate letterhead. Without that - or if delays /excuses seem to be the order of the day/week/month- be warned and figure ouit what to do next
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#23 UPDATE EX-employee responds

IN the USA you are protected, probably in Canada also

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

The real thing you have noticed that you bought 2 policies and have the right to cancel either or both or none. Think about it. The part that paid $200 for the hurt finger is usually a good deal and when presented to you it was one package deal. (An illusion if you will) that is the accident/ accidental death and dismembership policy, in NY it cost 11.51 per month for the whole family before they quit selling it.



Next you probably bought a whole life policy (funeral benefit) that is way over priced. Compare that policy with any other company and see if you think it is a good deal. Act accordingly, they will try to talk you out of dropping that one because that is where they earn about 99% of their profit.



If you drop the accident policy in NY you won't be able to buy it again. Make clear that you want to keep your accident policy if you do. Now that you saved 75% or more of your bill ask them how much to switch to an annual policy, you save a little more.



Here it is about $135.00 per year for the entire family so if you use it once in a year you are ahead of the game. Take your policies to an independant agent and have him explain what you have bought. The best prices you will get on the internet, it's really very simple. Why pay a bunch of middle men?
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#24 Consumer Suggestion

Is the insurance part good or not?

AUTHOR: Frank - (Canada)

Hello everyone:



Well, it is obvious the hiring and operating practices of American Income are questionable.



I currently have insurance through them, and still have the accidental benefit that pays out $200 for smaller accidents, along with whole life insurance.



There is something that is tormenting me lately, I read this forums quite often, and through all this I am begining to have second thoughts, WHAT IF I DIE AND THESE PEOPLE DO NOT GIVE ANYTHING TO MY WIFE ??



I know most of these discussions are about agents, Human resources, etc. But what about the insurance itself?



My wife fractured her finger in the past, and as promised, a cheque for $200 was mailed to us...but once again... what if I die? what if they do not want to pay out? anyone has heard anything about this?
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#25 Consumer Comment

A Union with 17,000 members refuses to help members

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

Note : SPEEA is the Society of Professional Engineers in Aerospace - they have a public website



Almost a year ago- I provided to the Executive Board evidence that AIL was other than an ' honorable ' insurance company. [ this included a decades old fine by the washington state Insurance office , and other fines shown on the Texas Insurance commision site ] The SPEEA E-board minutes in April 2004 show that members were complaining.



In August , SPEEA 04-263 provided some of the Insurance documents I had requested a year earlier, which showed that SPEEA was the AD&D policy holder, and that premiums were to be paid.



When I queried about the premiums , the response in SPEEA 04-307 again denied SPEEA responsibility or ownership o rpayment of premiums , while at the same time including a document that proved such statements were false. The document had been signed by [ ] as a SPEEA Officer, which she was not. Further, under SPEEA

Governing Documents, she could not have been authorized to sign such a legal document, which is the sole responsibility of the Executive Board in accordance with thier Constitution.



When I queried the obviously false statements in letter 04-307 on Insurance and other issues, I received SPEEA 04- 364, signed by the SPEEA President [ who is also the CEO ] claiming that the E-board had reviewed and approved the 04-307 letter.[signed by SPEEA General Counsel ]



Since that time, in November 2004, I notified SPEEA that the Washington State Insurance Commission Investigator has determined that AIL was in apparent violation of State Insurance Codes, and that her department had no authority to contact SPEEA.



I have repeatedly requested documents regarding the initial policy started in March 2000, and a SPEEA numbered memo 03-058 regarding the AIL arrangements with SPEEA, and /or any document showing a waiver of premiums, or specific authorization for [ ] to sign.



Without explanation, SPEEA continues to refuse and ignore my requests and continues to answer with provably false and misleading statements.



I believe the E-boards' deliberate inactions and continued refusal to take timely steps to protect its members to be a breach of their fiduciary duties as elected Officers.



Listed below are just a few samples of the fraudulent activities of AIL, and the scams that are STILL being done on Union members across the country.



http://www.ripoffreport.com/reports/ripoff134672.htm



http://www.ripoffreport.com/reports/ripoff76574.htm



Donald Shuper Retired member in Good Standing
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#26 Consumer Suggestion

Another Local 435 member being bothered ny NILICO on SUNDAYS Local 277, AFL-CIO, AIL

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

I also agree that this should be brought up in our next union meeting. I used the $200 benefit and my Blue Cross and Blue Shield bills went up $900+. I got back $400. Not the deal I thought it was. Why isn't my local 435 benefits paying these other bills relating to these accidents? Is there a clause in the contract that says if NILICO pays any I have to pay 100% of the bill?



I don't ever remember getting huge bills like this before so now my wife has to take time off of work to figure this mess out. If that is the case I will cancel mine. I'm about to anyways just because some Lady from their company keeps calling me almost every Sunday night when I'm spending family time.



I work all week. Can't I be put on a do not call list? I have politely asked her 3 times not to bother us on Sunday nights. The last time I asked to notify us by mail instead of phone. Their idea of important and mine are miles apart. Is that too much to ask? I am already paying almost $70 per month and believe she wants to sell me more although she denies it. I have already told her I am not buying any more. Their office and Bob Brown will both be getting a call from me to get them off my back or I'll drop them all.



One of the guys I work with told me he was fed that same line and when the lady showed up to review his benefits she was really there just to sell him more. A lot more. She got the door for being dishonest. Looking back the first guy said he will be there for 15 minutes and he was there for an hour and a half and would not leave until my wife packed him a bag of food for the union food bank and had us sign on the line.



That was 2 years and Thousands of dollars ago. I don't think they have been working for our union for 4 years, I believe it was 2. He also promised nobody would bother us again since we had the full family package there was nothing else they could add. I understand by reading here I can opt to drop everything but the accident / accidental death benefit and reduce my payment to only $11.51 per month, a lot more reasonable.



The moral of the story, never trust an insurance salesman not even if the union was duped into sending them to your home. Competition is King and just to let the other 435 guy know, there is a much cheaper program that still offers payouts for for accidents where you don't have to stay over night in the hospital. They are coming to my home next week. I think they were called Combined something or other.



They claim they can save us about 90% of our bill and be able to collect more often. I'll be watching him a little more closely. They claim this so-called union company (Local 277) has only been in New York not even 4 years and has already lost many unions for reasons like these.



I can't find the local 277 in the phone book. Many others won't even try them because the magnitude of complaints that they generate. Father time works against us all and I want to use my $70 per month towards my bills and retirement, not some two faced liar bothering me on Sundays.
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#27 Consumer Suggestion

Another Local 435 member being bothered ny NILICO on SUNDAYS Local 277, AFL-CIO, AIL

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

I also agree that this should be brought up in our next union meeting. I used the $200 benefit and my Blue Cross and Blue Shield bills went up $900+. I got back $400. Not the deal I thought it was. Why isn't my local 435 benefits paying these other bills relating to these accidents? Is there a clause in the contract that says if NILICO pays any I have to pay 100% of the bill?



I don't ever remember getting huge bills like this before so now my wife has to take time off of work to figure this mess out. If that is the case I will cancel mine. I'm about to anyways just because some Lady from their company keeps calling me almost every Sunday night when I'm spending family time.



I work all week. Can't I be put on a do not call list? I have politely asked her 3 times not to bother us on Sunday nights. The last time I asked to notify us by mail instead of phone. Their idea of important and mine are miles apart. Is that too much to ask? I am already paying almost $70 per month and believe she wants to sell me more although she denies it. I have already told her I am not buying any more. Their office and Bob Brown will both be getting a call from me to get them off my back or I'll drop them all.



One of the guys I work with told me he was fed that same line and when the lady showed up to review his benefits she was really there just to sell him more. A lot more. She got the door for being dishonest. Looking back the first guy said he will be there for 15 minutes and he was there for an hour and a half and would not leave until my wife packed him a bag of food for the union food bank and had us sign on the line.



That was 2 years and Thousands of dollars ago. I don't think they have been working for our union for 4 years, I believe it was 2. He also promised nobody would bother us again since we had the full family package there was nothing else they could add. I understand by reading here I can opt to drop everything but the accident / accidental death benefit and reduce my payment to only $11.51 per month, a lot more reasonable.



The moral of the story, never trust an insurance salesman not even if the union was duped into sending them to your home. Competition is King and just to let the other 435 guy know, there is a much cheaper program that still offers payouts for for accidents where you don't have to stay over night in the hospital. They are coming to my home next week. I think they were called Combined something or other.



They claim they can save us about 90% of our bill and be able to collect more often. I'll be watching him a little more closely. They claim this so-called union company (Local 277) has only been in New York not even 4 years and has already lost many unions for reasons like these.



I can't find the local 277 in the phone book. Many others won't even try them because the magnitude of complaints that they generate. Father time works against us all and I want to use my $70 per month towards my bills and retirement, not some two faced liar bothering me on Sundays.
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#28 UPDATE EX-employee responds

Solitary Dylan, AIL,NILICO, AFL-CIO, Local277

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

Dylan I almost forgot to comment about your tear jerking story about your kind and generous BIG MONEY making Insurance Company ($100 million per year)that you make sound like is going above and beyond all duties and laws to help the poor widow by processing her husbands no cost union provided $2000 accidental death benefit.



You referred to it as your company.Even though this poor fellow never had a chance to meet you or sign for his benefits. As a licensed sales agent you know that the law does not require him to sign for the policy, his union did, he is merely an insured like any other union member from his union.



They all have the benefit whether you or any other 100% commisioned insurance salesman sees them. By paying the claim they are doing by law what they have to as long as he died accidently and they can't prove in a way in accordance with the exclusions on the no cost accidental death benefit, there are several, try reading them some day.



If you are implying that this kind Insurance company pays more than what the policy states I would not believe it for a minute. How far do you think that $2000 will go? I started to imagine this kind and generous not for profit company coming to the rescue of the family here. Paying off the mortgage the cars, the College, etc.



If so where do I sign up? Could I give you the names, addresses, phone numbers of all of my friends and relatives so you can save them before they die, like this this guy did? Could you possibly fit them into your very busy schedule?



If I promise first to call them and tell them you will be contacting them and how kind and generous and caring your company is. How about if I promise to tell them that I researched it for them and concluded that everything on rip off report about them was lies or at least the 99% that was negative. They are just dying to meet you.
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#29 UPDATE EX-employee responds

In Solidarity Ha Ha brother, wink, wink, we are all union brothers AIL, NILICO,AFL-CIO, LOCAL 277

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

Dylan, You have a serious flaw in your way of thinking. It is the way you were trained to think by the company that does not employ you.Your own views are the same as all the agents they fooled into believing what you do. You say you are an employee but you are not, you are a 100% commision paid Life Insurance Salesman with a 1099 non employee contract with no reirement benefits, no annuities,no salary,no hourly wage. Your only vested interest is making your paycheck from commision only. Do you want people in solidarity to think you are a union brother like them? Are they paid that way? I doubt you fooled anybody here. Do you know the name of your union steward or union president of the local 277 that you pay dues to? Is there name or phone number on your union card in case you have any questions about your union benefits? NO, there is not.Next you say you have seen the pay outs. I doubt that as well, you were probably told aout them in your sales meeting. Lets do the math. $1.5 million paid out in accidental death benefits. By how many deaths? In NYS the no cost accidental death benefit is a whopping $1000 for a union member and in most States it is $2000. Lets use the $2000 figure to be nice and divide your $1.5 million by $2000 per accidently dead union member and you will see a figure of 750 dead union members approximately. Divide that by 50 States or 50 States plus Canada, Peurto Rico, New Zealand. Lets just use the 50 States again to be nice and fair to them, we will give them every benefit of the doubt. 15 Dead union guys per year per state = 750 claims = $1.5 million. It is a small world isn't it. Add in the other countries for more accuracy. Adjust if you wish for states like NY where they think $1000 is plenty for the life a dead union member. Keep in mind they may claim they offer over 8 Billion dollars in accidental death benefits but we all know most people don't die accidently and there are several other exclusions listed on that no cost accidental death benefit. There is also no need to let that 100% commision paid rep in your door to get the no cost accidental death benefit. It is already in place and if you don't sign your beneficiary up in front of them it gets paid out to your estate. You either notify your union or American Income or National Income. That is just a lie to get a slippery sales agent in your home to scare the he_l out of you and get you to buy more. After all your union wouldn't send a rat to your home if they knew they were a rat. Wink, Wink. Do we all agree that $2000 is plenty of money for the rest of the family to live on once our dearly departed has expired? Of coarse not, that is why he just happens to have some contracts for you to sign while he is there anyways dropping off your free important union benefits. Lets take a quick look at these great benefits that you will have to decide tonight only if they are important for your family, if not don't worry, my familiy is covered and I have 5 more union members to see tonight. I hate doing all the paperwork anyways. Almost everyone gets it. What could these great important benefits include? A funeral benefit of coarse, if you died of cancer or a heart attack the no cost accidental death benefit is worthless! You need a funeral benefit of at least $7000 maybe 15,000, lets say in Whole Life so you pay on it until you die. Compare their costs per thousand to any company advertised on the radio, TV or internet and let me know if you can find a more expensive one. Have a computer? Do a search for quotes from several companies that will compare your statistics to about 15 comparable companies and see the difference in pricing. As an example Selectqu_te.c*m or many others on a search engine. Now you will see how expensive the product they are selling is compared to others. Their term insurance is even worse the "code name" for their term insurance is "INCOME PROTECTION" like their "code name" for "FUNERAL benefit" is "WHOLE LIFE". Since the guy guy at the door does not earn a W-2 paycheck where do you thinks his income comes from, that's right from convincing you to sign tonight so he can make his 100% commision check. Just sign here and I'll fill the rest out later, you look heathy to me, I don't want you to wait any longer or see how I might check the boxes that you signed for, there shouldn't be any discrepencies unless there is a death and a law suit and we all know the dead guy can't dispute your claims. It's funny to see how many of these slick talking union commision only paid Insurance agents pretending to be your union rep are driving non union cars. The UAW has a problem with them. In solidarity, no W-2, no retirement, no pension, no annuity, no hourly paycheck, in solidarity with who? Yourself? Did you mean Solitary? Sounds like a real union brother to me. Oh, by the way Torchmark, the company that owns American and National Income the guys you signed a 1099 non employee contract with made about $100 million dollars in profits last year. A great bunch of union guys doing pretty good for themselves despite their huge pay out of $1.5 million in accidental death benefits. And yes believe it or not they will if you see the need even sell you additional accidental death benefits in case the $1000 or $2000 benefits won't pay off the house and send your kids to College. And yes they make profit on that as well. Lets look at the $8 Billion no cost accidental death benefits. What a deal, or what a way to get in your door. Again most don't die accidently. Most of the $8Billion will never be paid out. A very small fraction will. About 10% of union members are foolish enough to respond to the card that borders on flat out lying. Of those about 1/2 will set an appointment and out of that about 1/2 will understand they needs presented to them and sign on the line. Nationaly about 35% will cancel in their first year. Buyers regret,maybe they had a professional insurance agent read the policy and translate it, maybe they just didn't trust that guy, there was something about him. Maybe they found they could have bought a $500,000 20 year term policy for less money and that would meet the families needs until the kids were out of College. Maybe their phone calls went unanswered or their accident claim was not paid. Either way if you quit they still win the money goes towards their $100 million in profits. Dylan and I agree on one thing partially, check with your union,stewards, union presidents, but go one step further and ask them to have their legal department or financial advisors or CPA look into the accusations, where we disagree is in calling American Income, what do you think they will say? They are the ones taking your money already. Many union heads signed up with good intentions and should be made aware of this side of the problem. Greg don't worry mark it on your will that you have a no cost accidental death benefit whether or not you let the scammers in the door. If you die accidently I for one would surely like to know that it gets paid out. Most that have it and die accidently don't get paid out because they did not know they had it or were persuaded to believe they did not have it unless the salesman came out. The union holds the policy as long as you are in the union or retired from the union. You are the insured. The union paid nothing for that policy, not even the postage for the post cards that were mailed to you. Is all they needed was someone with power in your union to sign the form letter. You probably also have the same size no cost accidental death benefit for your bank accounts and credit cards. I hope everyone writes that down and gets paid on them as well. This is starting to sound like a confession for my sins and an act of contrition. Research, don't trust these guys just because your union did. If your research leads you to believe it is a scam report it and write your union officials and your State Insurance Department.If it sounds too good to be true it probably is.

Have a nice day.
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#30 UPDATE EX-employee responds

In Solidarity Ha Ha brother, wink, wink, we are all union brothers AIL, NILICO,AFL-CIO, LOCAL 277

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

Dylan, You have a serious flaw in your way of thinking. It is the way you were trained to think by the company that does not employ you.Your own views are the same as all the agents they fooled into believing what you do. You say you are an employee but you are not, you are a 100% commision paid Life Insurance Salesman with a 1099 non employee contract with no reirement benefits, no annuities,no salary,no hourly wage. Your only vested interest is making your paycheck from commision only. Do you want people in solidarity to think you are a union brother like them? Are they paid that way? I doubt you fooled anybody here. Do you know the name of your union steward or union president of the local 277 that you pay dues to? Is there name or phone number on your union card in case you have any questions about your union benefits? NO, there is not.Next you say you have seen the pay outs. I doubt that as well, you were probably told aout them in your sales meeting. Lets do the math. $1.5 million paid out in accidental death benefits. By how many deaths? In NYS the no cost accidental death benefit is a whopping $1000 for a union member and in most States it is $2000. Lets use the $2000 figure to be nice and divide your $1.5 million by $2000 per accidently dead union member and you will see a figure of 750 dead union members approximately. Divide that by 50 States or 50 States plus Canada, Peurto Rico, New Zealand. Lets just use the 50 States again to be nice and fair to them, we will give them every benefit of the doubt. 15 Dead union guys per year per state = 750 claims = $1.5 million. It is a small world isn't it. Add in the other countries for more accuracy. Adjust if you wish for states like NY where they think $1000 is plenty for the life a dead union member. Keep in mind they may claim they offer over 8 Billion dollars in accidental death benefits but we all know most people don't die accidently and there are several other exclusions listed on that no cost accidental death benefit. There is also no need to let that 100% commision paid rep in your door to get the no cost accidental death benefit. It is already in place and if you don't sign your beneficiary up in front of them it gets paid out to your estate. You either notify your union or American Income or National Income. That is just a lie to get a slippery sales agent in your home to scare the he_l out of you and get you to buy more. After all your union wouldn't send a rat to your home if they knew they were a rat. Wink, Wink. Do we all agree that $2000 is plenty of money for the rest of the family to live on once our dearly departed has expired? Of coarse not, that is why he just happens to have some contracts for you to sign while he is there anyways dropping off your free important union benefits. Lets take a quick look at these great benefits that you will have to decide tonight only if they are important for your family, if not don't worry, my familiy is covered and I have 5 more union members to see tonight. I hate doing all the paperwork anyways. Almost everyone gets it. What could these great important benefits include? A funeral benefit of coarse, if you died of cancer or a heart attack the no cost accidental death benefit is worthless! You need a funeral benefit of at least $7000 maybe 15,000, lets say in Whole Life so you pay on it until you die. Compare their costs per thousand to any company advertised on the radio, TV or internet and let me know if you can find a more expensive one. Have a computer? Do a search for quotes from several companies that will compare your statistics to about 15 comparable companies and see the difference in pricing. As an example Selectqu_te.c*m or many others on a search engine. Now you will see how expensive the product they are selling is compared to others. Their term insurance is even worse the "code name" for their term insurance is "INCOME PROTECTION" like their "code name" for "FUNERAL benefit" is "WHOLE LIFE". Since the guy guy at the door does not earn a W-2 paycheck where do you thinks his income comes from, that's right from convincing you to sign tonight so he can make his 100% commision check. Just sign here and I'll fill the rest out later, you look heathy to me, I don't want you to wait any longer or see how I might check the boxes that you signed for, there shouldn't be any discrepencies unless there is a death and a law suit and we all know the dead guy can't dispute your claims. It's funny to see how many of these slick talking union commision only paid Insurance agents pretending to be your union rep are driving non union cars. The UAW has a problem with them. In solidarity, no W-2, no retirement, no pension, no annuity, no hourly paycheck, in solidarity with who? Yourself? Did you mean Solitary? Sounds like a real union brother to me. Oh, by the way Torchmark, the company that owns American and National Income the guys you signed a 1099 non employee contract with made about $100 million dollars in profits last year. A great bunch of union guys doing pretty good for themselves despite their huge pay out of $1.5 million in accidental death benefits. And yes believe it or not they will if you see the need even sell you additional accidental death benefits in case the $1000 or $2000 benefits won't pay off the house and send your kids to College. And yes they make profit on that as well. Lets look at the $8 Billion no cost accidental death benefits. What a deal, or what a way to get in your door. Again most don't die accidently. Most of the $8Billion will never be paid out. A very small fraction will. About 10% of union members are foolish enough to respond to the card that borders on flat out lying. Of those about 1/2 will set an appointment and out of that about 1/2 will understand they needs presented to them and sign on the line. Nationaly about 35% will cancel in their first year. Buyers regret,maybe they had a professional insurance agent read the policy and translate it, maybe they just didn't trust that guy, there was something about him. Maybe they found they could have bought a $500,000 20 year term policy for less money and that would meet the families needs until the kids were out of College. Maybe their phone calls went unanswered or their accident claim was not paid. Either way if you quit they still win the money goes towards their $100 million in profits. Dylan and I agree on one thing partially, check with your union,stewards, union presidents, but go one step further and ask them to have their legal department or financial advisors or CPA look into the accusations, where we disagree is in calling American Income, what do you think they will say? They are the ones taking your money already. Many union heads signed up with good intentions and should be made aware of this side of the problem. Greg don't worry mark it on your will that you have a no cost accidental death benefit whether or not you let the scammers in the door. If you die accidently I for one would surely like to know that it gets paid out. Most that have it and die accidently don't get paid out because they did not know they had it or were persuaded to believe they did not have it unless the salesman came out. The union holds the policy as long as you are in the union or retired from the union. You are the insured. The union paid nothing for that policy, not even the postage for the post cards that were mailed to you. Is all they needed was someone with power in your union to sign the form letter. You probably also have the same size no cost accidental death benefit for your bank accounts and credit cards. I hope everyone writes that down and gets paid on them as well. This is starting to sound like a confession for my sins and an act of contrition. Research, don't trust these guys just because your union did. If your research leads you to believe it is a scam report it and write your union officials and your State Insurance Department.If it sounds too good to be true it probably is.

Have a nice day.
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#31 UPDATE EX-employee responds

In Solidarity Ha Ha brother, wink, wink, we are all union brothers AIL, NILICO,AFL-CIO, LOCAL 277

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

Dylan, You have a serious flaw in your way of thinking. It is the way you were trained to think by the company that does not employ you.Your own views are the same as all the agents they fooled into believing what you do. You say you are an employee but you are not, you are a 100% commision paid Life Insurance Salesman with a 1099 non employee contract with no reirement benefits, no annuities,no salary,no hourly wage. Your only vested interest is making your paycheck from commision only. Do you want people in solidarity to think you are a union brother like them? Are they paid that way? I doubt you fooled anybody here. Do you know the name of your union steward or union president of the local 277 that you pay dues to? Is there name or phone number on your union card in case you have any questions about your union benefits? NO, there is not.Next you say you have seen the pay outs. I doubt that as well, you were probably told aout them in your sales meeting. Lets do the math. $1.5 million paid out in accidental death benefits. By how many deaths? In NYS the no cost accidental death benefit is a whopping $1000 for a union member and in most States it is $2000. Lets use the $2000 figure to be nice and divide your $1.5 million by $2000 per accidently dead union member and you will see a figure of 750 dead union members approximately. Divide that by 50 States or 50 States plus Canada, Peurto Rico, New Zealand. Lets just use the 50 States again to be nice and fair to them, we will give them every benefit of the doubt. 15 Dead union guys per year per state = 750 claims = $1.5 million. It is a small world isn't it. Add in the other countries for more accuracy. Adjust if you wish for states like NY where they think $1000 is plenty for the life a dead union member. Keep in mind they may claim they offer over 8 Billion dollars in accidental death benefits but we all know most people don't die accidently and there are several other exclusions listed on that no cost accidental death benefit. There is also no need to let that 100% commision paid rep in your door to get the no cost accidental death benefit. It is already in place and if you don't sign your beneficiary up in front of them it gets paid out to your estate. You either notify your union or American Income or National Income. That is just a lie to get a slippery sales agent in your home to scare the he_l out of you and get you to buy more. After all your union wouldn't send a rat to your home if they knew they were a rat. Wink, Wink. Do we all agree that $2000 is plenty of money for the rest of the family to live on once our dearly departed has expired? Of coarse not, that is why he just happens to have some contracts for you to sign while he is there anyways dropping off your free important union benefits. Lets take a quick look at these great benefits that you will have to decide tonight only if they are important for your family, if not don't worry, my familiy is covered and I have 5 more union members to see tonight. I hate doing all the paperwork anyways. Almost everyone gets it. What could these great important benefits include? A funeral benefit of coarse, if you died of cancer or a heart attack the no cost accidental death benefit is worthless! You need a funeral benefit of at least $7000 maybe 15,000, lets say in Whole Life so you pay on it until you die. Compare their costs per thousand to any company advertised on the radio, TV or internet and let me know if you can find a more expensive one. Have a computer? Do a search for quotes from several companies that will compare your statistics to about 15 comparable companies and see the difference in pricing. As an example Selectqu_te.c*m or many others on a search engine. Now you will see how expensive the product they are selling is compared to others. Their term insurance is even worse the "code name" for their term insurance is "INCOME PROTECTION" like their "code name" for "FUNERAL benefit" is "WHOLE LIFE". Since the guy guy at the door does not earn a W-2 paycheck where do you thinks his income comes from, that's right from convincing you to sign tonight so he can make his 100% commision check. Just sign here and I'll fill the rest out later, you look heathy to me, I don't want you to wait any longer or see how I might check the boxes that you signed for, there shouldn't be any discrepencies unless there is a death and a law suit and we all know the dead guy can't dispute your claims. It's funny to see how many of these slick talking union commision only paid Insurance agents pretending to be your union rep are driving non union cars. The UAW has a problem with them. In solidarity, no W-2, no retirement, no pension, no annuity, no hourly paycheck, in solidarity with who? Yourself? Did you mean Solitary? Sounds like a real union brother to me. Oh, by the way Torchmark, the company that owns American and National Income the guys you signed a 1099 non employee contract with made about $100 million dollars in profits last year. A great bunch of union guys doing pretty good for themselves despite their huge pay out of $1.5 million in accidental death benefits. And yes believe it or not they will if you see the need even sell you additional accidental death benefits in case the $1000 or $2000 benefits won't pay off the house and send your kids to College. And yes they make profit on that as well. Lets look at the $8 Billion no cost accidental death benefits. What a deal, or what a way to get in your door. Again most don't die accidently. Most of the $8Billion will never be paid out. A very small fraction will. About 10% of union members are foolish enough to respond to the card that borders on flat out lying. Of those about 1/2 will set an appointment and out of that about 1/2 will understand they needs presented to them and sign on the line. Nationaly about 35% will cancel in their first year. Buyers regret,maybe they had a professional insurance agent read the policy and translate it, maybe they just didn't trust that guy, there was something about him. Maybe they found they could have bought a $500,000 20 year term policy for less money and that would meet the families needs until the kids were out of College. Maybe their phone calls went unanswered or their accident claim was not paid. Either way if you quit they still win the money goes towards their $100 million in profits. Dylan and I agree on one thing partially, check with your union,stewards, union presidents, but go one step further and ask them to have their legal department or financial advisors or CPA look into the accusations, where we disagree is in calling American Income, what do you think they will say? They are the ones taking your money already. Many union heads signed up with good intentions and should be made aware of this side of the problem. Greg don't worry mark it on your will that you have a no cost accidental death benefit whether or not you let the scammers in the door. If you die accidently I for one would surely like to know that it gets paid out. Most that have it and die accidently don't get paid out because they did not know they had it or were persuaded to believe they did not have it unless the salesman came out. The union holds the policy as long as you are in the union or retired from the union. You are the insured. The union paid nothing for that policy, not even the postage for the post cards that were mailed to you. Is all they needed was someone with power in your union to sign the form letter. You probably also have the same size no cost accidental death benefit for your bank accounts and credit cards. I hope everyone writes that down and gets paid on them as well. This is starting to sound like a confession for my sins and an act of contrition. Research, don't trust these guys just because your union did. If your research leads you to believe it is a scam report it and write your union officials and your State Insurance Department.If it sounds too good to be true it probably is.

Have a nice day.
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#32 UPDATE EX-employee responds

In Solidarity Ha Ha brother, wink, wink, we are all union brothers AIL, NILICO,AFL-CIO, LOCAL 277

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

Dylan, You have a serious flaw in your way of thinking. It is the way you were trained to think by the company that does not employ you.Your own views are the same as all the agents they fooled into believing what you do. You say you are an employee but you are not, you are a 100% commision paid Life Insurance Salesman with a 1099 non employee contract with no reirement benefits, no annuities,no salary,no hourly wage. Your only vested interest is making your paycheck from commision only. Do you want people in solidarity to think you are a union brother like them? Are they paid that way? I doubt you fooled anybody here. Do you know the name of your union steward or union president of the local 277 that you pay dues to? Is there name or phone number on your union card in case you have any questions about your union benefits? NO, there is not.Next you say you have seen the pay outs. I doubt that as well, you were probably told aout them in your sales meeting. Lets do the math. $1.5 million paid out in accidental death benefits. By how many deaths? In NYS the no cost accidental death benefit is a whopping $1000 for a union member and in most States it is $2000. Lets use the $2000 figure to be nice and divide your $1.5 million by $2000 per accidently dead union member and you will see a figure of 750 dead union members approximately. Divide that by 50 States or 50 States plus Canada, Peurto Rico, New Zealand. Lets just use the 50 States again to be nice and fair to them, we will give them every benefit of the doubt. 15 Dead union guys per year per state = 750 claims = $1.5 million. It is a small world isn't it. Add in the other countries for more accuracy. Adjust if you wish for states like NY where they think $1000 is plenty for the life a dead union member. Keep in mind they may claim they offer over 8 Billion dollars in accidental death benefits but we all know most people don't die accidently and there are several other exclusions listed on that no cost accidental death benefit. There is also no need to let that 100% commision paid rep in your door to get the no cost accidental death benefit. It is already in place and if you don't sign your beneficiary up in front of them it gets paid out to your estate. You either notify your union or American Income or National Income. That is just a lie to get a slippery sales agent in your home to scare the he_l out of you and get you to buy more. After all your union wouldn't send a rat to your home if they knew they were a rat. Wink, Wink. Do we all agree that $2000 is plenty of money for the rest of the family to live on once our dearly departed has expired? Of coarse not, that is why he just happens to have some contracts for you to sign while he is there anyways dropping off your free important union benefits. Lets take a quick look at these great benefits that you will have to decide tonight only if they are important for your family, if not don't worry, my familiy is covered and I have 5 more union members to see tonight. I hate doing all the paperwork anyways. Almost everyone gets it. What could these great important benefits include? A funeral benefit of coarse, if you died of cancer or a heart attack the no cost accidental death benefit is worthless! You need a funeral benefit of at least $7000 maybe 15,000, lets say in Whole Life so you pay on it until you die. Compare their costs per thousand to any company advertised on the radio, TV or internet and let me know if you can find a more expensive one. Have a computer? Do a search for quotes from several companies that will compare your statistics to about 15 comparable companies and see the difference in pricing. As an example Selectqu_te.c*m or many others on a search engine. Now you will see how expensive the product they are selling is compared to others. Their term insurance is even worse the "code name" for their term insurance is "INCOME PROTECTION" like their "code name" for "FUNERAL benefit" is "WHOLE LIFE". Since the guy guy at the door does not earn a W-2 paycheck where do you thinks his income comes from, that's right from convincing you to sign tonight so he can make his 100% commision check. Just sign here and I'll fill the rest out later, you look heathy to me, I don't want you to wait any longer or see how I might check the boxes that you signed for, there shouldn't be any discrepencies unless there is a death and a law suit and we all know the dead guy can't dispute your claims. It's funny to see how many of these slick talking union commision only paid Insurance agents pretending to be your union rep are driving non union cars. The UAW has a problem with them. In solidarity, no W-2, no retirement, no pension, no annuity, no hourly paycheck, in solidarity with who? Yourself? Did you mean Solitary? Sounds like a real union brother to me. Oh, by the way Torchmark, the company that owns American and National Income the guys you signed a 1099 non employee contract with made about $100 million dollars in profits last year. A great bunch of union guys doing pretty good for themselves despite their huge pay out of $1.5 million in accidental death benefits. And yes believe it or not they will if you see the need even sell you additional accidental death benefits in case the $1000 or $2000 benefits won't pay off the house and send your kids to College. And yes they make profit on that as well. Lets look at the $8 Billion no cost accidental death benefits. What a deal, or what a way to get in your door. Again most don't die accidently. Most of the $8Billion will never be paid out. A very small fraction will. About 10% of union members are foolish enough to respond to the card that borders on flat out lying. Of those about 1/2 will set an appointment and out of that about 1/2 will understand they needs presented to them and sign on the line. Nationaly about 35% will cancel in their first year. Buyers regret,maybe they had a professional insurance agent read the policy and translate it, maybe they just didn't trust that guy, there was something about him. Maybe they found they could have bought a $500,000 20 year term policy for less money and that would meet the families needs until the kids were out of College. Maybe their phone calls went unanswered or their accident claim was not paid. Either way if you quit they still win the money goes towards their $100 million in profits. Dylan and I agree on one thing partially, check with your union,stewards, union presidents, but go one step further and ask them to have their legal department or financial advisors or CPA look into the accusations, where we disagree is in calling American Income, what do you think they will say? They are the ones taking your money already. Many union heads signed up with good intentions and should be made aware of this side of the problem. Greg don't worry mark it on your will that you have a no cost accidental death benefit whether or not you let the scammers in the door. If you die accidently I for one would surely like to know that it gets paid out. Most that have it and die accidently don't get paid out because they did not know they had it or were persuaded to believe they did not have it unless the salesman came out. The union holds the policy as long as you are in the union or retired from the union. You are the insured. The union paid nothing for that policy, not even the postage for the post cards that were mailed to you. Is all they needed was someone with power in your union to sign the form letter. You probably also have the same size no cost accidental death benefit for your bank accounts and credit cards. I hope everyone writes that down and gets paid on them as well. This is starting to sound like a confession for my sins and an act of contrition. Research, don't trust these guys just because your union did. If your research leads you to believe it is a scam report it and write your union officials and your State Insurance Department.If it sounds too good to be true it probably is.

Have a nice day.
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#33 UPDATE Employee

Hardly a Ripoff... 1.5 million" paid out is absolutely true

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

Greg,



Before I begin, let me say that the opinions expressed below are mine and mine alone.



I'm an employee of American Income Life based in Philadelphia, and while I'll admit I have a certain vested interest in debunking your statements, I'll do my best to be impartial.



First, the "1.5 million" paid out is absolutely true. I've personally seen several clients receive benefits due to them in exactly the manner described and advertised. In fact, I can clearly remember one union member who passed away after responding to his union's benefits letter, naming his wife as the beneficiary. At present time, my company is processing a claim to her as though he had spoken with me and signed for the benefit (which, regrettably, he never had a chance to do.)



Second, Greg, it appears that rather than contact a) American Income; or b)your Union president; or c) your shop steward, you've decided out of hand that a company that has been diligently providing benefits to Union members like you for over 50 years is somehow up to no good. No offense intended, Greg, but your research is seriously flawed. It appears that you're primarily used the internet in your search to get ot the bottom of this.



Unfortunately, you and I both know that not everything we read on the Internet is true. For instance, I refer you to the top of the page, where you posted some baseless accusations just a few days ago.



Contact your union leadership, they'll be able to explain everything to you.



In Solidarity,
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#34 Consumer Suggestion

American Income, National Income, Torchmark, Local 277, Local 435,AFL-CIO

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

Facts, I'm still getting my facts. I called your bluff. I called and wrote the victim who got conned into signing a similar letter for our Local 435 Labors union in Rochester, NY. In his words they are "scammers". His name is Bob Brown the Business Manager a great guy who thought he was doing a good thing for his Local. His name is Bob Brown 18 Fourth St. Rochester, NY 14609. (585) 454-5800.



I encourage all members do the same and ask detailed questions like, Do I have to have an enrollment officer (1099 contract Sales Agent) drop off my benefits and witness my signature? Or is is this a bunch of crap to get in my door to sell me more. What law says I have designate my beneficiary?



Are my no cost accidental death benefits payable to my estate whether or not I let this bullsh_ter in my home? Is this guy calling from my Local or some local nobody has ever heard of and has no idea where they are located? Is it the Local 277? What is their address and phone number? What is the name of the Local 277 and where are their local union stewards in case I need help? Have they ever been sued for misrepresentation? Has Mark Colbert.c*m, private investigator assisted in suing them? Was he successful?



Did my Local union do a search on the internet with this Union Insurance Company name and added words like fraud, cheat, thieves, liars,rip off to their name for expanded searches or were they just sold a bill of goods because it sounded like a union benefit. What kind of Union benefits do the union sales agents get? Do they pay union dues? Do they have retirement accounts,do they have pensions? Do they have annuities? Are they not owned by Torchmark and listed on the stock market as a profit making Insurance Company that also owns several other Insurance Companies? Did they earn a profit of about $100 million last year off of unsuspecting union members who had no idea that the real purpose of coming to the union members home was to sell two or more policies, disguised as one with little to no value on the most expensive part of what they are selling? Did my Union official know that they won't sell one policy without the other but yet after buying both I can chose later to cancel the expensive one and keep the more valuable one. Did he know that the law allows a period of time to read the policy over, have a legitimate Insurance Agent explain it and cancel for a full refund for a certain period of time or can cancel the expensive part that the real Agent may think is rediculously expensive and keep the other (ADD)if there is a value in your State.



Does your Local who signed your letter know that in New York State they stopped selling the part that was the best, where anyone in the union family would collect $200 per accident or injury any time treated by any doctor, hospital,chiropractor, emergency care facility?



Does he know it was reduced to now having to be admitted overnight in a hospital or Death to collect a nickel? Does he know that while the benefits were reduced the costs went up and the liars are now telling the union brothers that this is a better deal? GET THE FACTS DUSTIN? How am I doing on the facts? I wish I worked for your union.



Look on your union card and see if there is a phone number or address for the Local 277. If not why not? Do you know the name of your union Steward or the President of the Local 277?



Who would you contact if you needed to file a grievance? Don't worry about the president from some other union who got tricked into signing a letter for his Local, he probably thought he was doing a good thing when he was misled. He will be there long after you are gone.
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#35 UPDATE Employee

GET THE FACTS MAN

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

IF YOU WOULD CHECK THE LETTER YOU RECIEVED WITH THE CARD, IT WILL BE A LETTER FROM YOUR LOCAL UNION. IT WILL ALSO HAVE THE PRESIDENTS SIGNATURE ON THE CARD. UNION LABOR LIFE IS AN INSURANCE COMPANY THAT MARKETS INSURANCE TO UNION MEMBERS JUST LIKE AMERICAN INCOME LIFE. HOWEVER AMERICAN INCOME LIFE IS UNION AND UNDERWRITTEN THROUGH A UNION COMPANY. I KNOW THAT IT IS HARD TO DECIPHER FACT FROM FICTION. MY ADVICE TO YOU IS THIS. DIG OUT YOUR LETTER THAT CAME WITH THE CARD. CALL THE PRESIDENT WHO HAS SIGNED YOUR CARD AND ASK HIM ABOUT AIL. THANK YOU FOR YOUR TIME.



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