• Report: #388413

Complaint Review: Liberty National Life Insurance Company

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  • Submitted: Wed, November 05, 2008
  • Updated: Sat, October 24, 2009

  • Reported By:Birmingham Alabama
Liberty National Life Insurance Company
2001 3rd Ave S Birmingham, Alabama United States of America

Liberty National Life Insurance Company REVIEW: Liberty National Life Insurance Company commitment to total customer satisfaction since 1900. Liberty National Life Insurance Company recognizes that complaints posted on Ripoff Report (whether true or not) are issues that need to be addressed, not ignored.
*UPDATE: Liberty National Life Insurance Company pledges their commitment to Ripoff Report Corporate Advocacy, Business Remediation and Customer Satisfaction Program. A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business. Liberty National Life Insurance Company is recognized by Ripoff Report as a Verified Safe Business.

*UPDATE Employee: LnL, If we live in a democracy, then majority rules.

*UPDATE EX-employee responds: So True!

*UPDATE EX-employee responds: Good bye Liberty National

*UPDATE EX-employee responds: Good bye Liberty National

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Ripoff Report REVIEW:

EDitors UPDATE: Positive rating and recognition has been given to Liberty National Life Insurance Company for its commitment to excellence in customer service.

Ripoff Reports discussions with Liberty National Life Insurance Company has uncovered an ongoing commitment by the company to total client satisfaction. This means that clients can expect that the company will work towards finding a mutually satisfactory resolution to any complaints or concerns. Liberty National Life Insurance Company listens carefully to client concerns and sees them as an opportunity to learn from past mistakes and become more efficient as a company in the services offered and the support for those services.

Liberty National Life Insurance Company has been in the insurance business since 1900. We offer affordable life and supplemental health insurance through in-home and workplace sales. Providing local, one-on-one service to our customers is something we've done from the beginning. While automation is the way of the today's world, it won't replace our individual attention to Liberty National policyholders. Insurance can make the difference in a family keeping their home, a child going to college, or having enough money to pay bills each month if a family breadwinner dies. Liberty National Life Insurance Company is passionate about helping hardworking Americans protect their families. We look forward to helping you protect yours.

Liberty National Life Insurance Company, headquartered in Birmingham, Alabama, has been meeting the insurance coverage needs of families for over 100 years, dating back to 1900. Liberty National is a wholly-owned subsidiary of the Torchmark Corporation. Torchmark is an S&P 500 company traded on the New York Stock Exchange under the symbol TMK.

Liberty National Life Insurance Company also offers an excellent career for motivated individuals looking to earn what they are worth. Earning potential is unlimited! With just seven to eight sales per week, agents have the potential to earn from $50,000 up to $75,000+ in the first year with valuable tools like laptop presentation at your fingertips. Liberty National believes in personal, dedicated service for insurance needs. We are committed to providing agents with full support, quality training and competitive compensation. Joining Liberty Nationals sales team could open the door to an outstanding income and a whole new lifestyle. Liberty National Life Insurance Company has immediate needs to fill several positions. We are looking for both entry level and senior level applicants.

In summary, Ripoff Report is convinced that Liberty National Life Insurance Company is committed to quality delivery of services resulting in total client satisfaction.

Read more about why consumers should feel confident when doing business with a member of Rip-off Report's Corporate Advocacy Business Remediation & Customer Satisfaction Program. Yes, its a long name for a program that does a lot for both consumers and businesses alike.

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.

SPECIAL NOTE ABOUT THE ONE REPORT THAT WAS FILED ABOUT Liberty National Life Insurance:

Liberty National Life Insurance Company recognizes that complaints posted on Ripoff Report (whether true or not) are issues that need to be addressed, not ignored. One company executive agreed that, if handled correctly, complaints can be valuable learning opportunities. With the feedback generated by Ripoff Reports Review of Liberty National Life Insurance Company has made organizational changes allowing its clients, employees and agents a more streamlined approach to problem resolution and a commitment to a great client experience.

As a Part of the Corporate Advocacy Program the member business allows Ripoff Report to send an email to all of those who filed a complaint in the past, letting the customer know, the member business wanted to make things right with them, .. whatever it takes to do so. Ripoff Report always monitors these emails to insure the member business does what they agreed to. The people at Liberty National Life Insurance Company did just that.

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

Liberty National Life Insurance Company If we live in a democracy, then majority rules. Birmingham Alabama

What everyone is saying about the company is actually true. Most Branch Managers will say, "don't listen to anyone, but yourself"; but this is BS. A manager has to make the company sound great because they get paid from how many people 5K (monthly premiums sold has to reach a minimum of $5000) and that's nothing if you don't get your PL (permanent license).

The amount of people getting 100K a year working for liberty is less than the average joe making it to the NBA. It's just not happening. If you were told, I can give you a 6 figure income, just a couple of things will change... If you're married, you'll soon be getting a divorce (so you still won't get 100K because your x spouse will take half); if you're single, sell out your friends and family members by selling them high priced insurance and some supplementals that they really don't NEED. If you prefer to get 8 hours of sleep, then try 4 and work anywhere from 14-18 hours a day. Most people that make that money at Liberty National are (1) married (unhappily), (2) single (but never have a life, AND suicidal), (3) if you are a parent, just buy your kid everything that he/she wants and hope that it makes up for the lack of time that you spend with them.

Liberty National hires people to sign up their family and friends and once their circle is exhausted, they give you leads that are useless, When you call a lead that was paid for by the branch, the person will have no idea why you called them and will not have been expecting your call, if you get a number). If it's a face to face lead, this is because they are on the national or company's DO NOT CALL registry. Most leads come from salesgenie.com. These are the worst leads because you try to sell a no cost accidental death policy that's usually worth max, 3K. They ask that you do a survey, play a video ( the barbara's story), and then do another video to total unrealistic figures if the potential client passes away that day.

The managers training sessions are horrible. Here, I know you know nothing about insurance, but read this, sign this, sign some more, and let's go play this video! Don't forget that once you 5K and PL, your manager will abandon you and will spend much more time on new contractors (you are not eligible to be an employee until you 5K and get your PL. you are a contractor until you sign the papers).

They lie about the pay, and don't tell you that most of that money that you are supposedly making goes into a commission account that you only get paid 6% from and is for policies that lapse. If a policy lapses or you have too many Declines, Cancels, or Not taken policies, the company will decrease your bonus because they say that you are getting bad business. If you play a person the videos, it's going to make the average person think that they need a minimum of 500K worth of insurance.

If you are looking for a job where you can smell like marijuana at the interview, have on dirty jeans, and a torn up t-shirt, then liberty is the place for you! Your mom will be so proud that you found a job that will leave you in debt. The best thing to do is leave when you see 2 lapses because it will get worse.

So, the chose is yours,minority or majority? Will you be the next Michael Jordan, or will you be the next Spencer Johns? Who is Spencer Johns? The guy who wanted to be like Mike, but never made it...

So I ask the next Branch Manager that responds to this to do ONE thing right that the company hasn't done for a long time. BE HONEST...

Suckafree
Birmingham, Alabama
U.S.A.

This report was posted on Ripoff Report on 11/05/2008 08:15 PM and is a permanent record located here: http://www.ripoffreport.com/r/Liberty-National-Life-Insurance-Company/Birmingham-Alabama-35233/Liberty-National-Life-Insurance-Company-REVIEW-Liberty-National-Life-Insurance-Company-co-388413. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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

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Updates & Rebuttals

#1 UPDATE Employee

LnL, If we live in a democracy, then majority rules.

AUTHOR: anonymous - (USA)

As a long time Employee, I would like to respond to your assertions: Your first paragraph is partially true. The branch manager does get a bonus for 5k producers that are permanently licensed, but their regular pay come from overwrites on the $5k production. Can you get a job driving a truck without a driver's license? I think not. I'm not even going to respond to your MJ/ Spencer Johns comparison. We are not allowed to sell close friends and family (or even yourself) insurance for the first 90 days as a contractor or licensed agent with LNL. This is a dismissal offence with no questions asked. 14-18 hour work days? Not in my 20+ years with the company. The rule of thumb IS 12 hour days (you pick um) four day a week and office work on Friday and leave at 3:00 P.M. You said "sell a no cost accidental death policy". How do you sell something that your giving away? SalesGenie,com. IS the worst way to get drop offs (appointments) but if you are getting sponsorships like you were trained to do, you'll never use SalesGenie except for the first day of work. You said "pass away that day" Field underwriting has always been about what you see that day (in terms of exposure to loss, health conditions, ability to pay etc.). Let's talk about the commission account. 70% of you first year commission is advanced to you when you submit the application and only 30% of your commission is placed in you commission account. you can draw 6%, 8%, or 10% of your commission account out of that fund every week regardless of your production that week... Read the "Guide To Grown". The commission account is set up to cover the lapsing of policies that don't pay a full year of premiums, rather than pulling lapses out of your weekly paycheck. Personal image will pretty much dictate your success in any type of sales. If someone does show up for an interview in anything less than "business casual" dress, it is because they didn't listen to the last line of the recruiter's script. These individuals didn't have a clue to start with, and won't go very far. New agents have been told that they need to go home and get properly dressed before going to the field. I am not a branch manager and Spencer will never be like MJ for whatever reason. Thanks
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#2 UPDATE EX-employee responds

So True!

AUTHOR: Utterly Disillusioned - (USA)

You are absolutely correct.  I am a former manager who did make over $100,000.00/yr.  However, I did that by working 70+ hours each week and never seeing my family.  The company itself at one time was a reputable company, but not so much now.  The people that are in charge are absolutely morally bankrupt.  Our director was a criminal, at best.  I was embarassed to tell people where I worked, and at one point, my housekeeper asked me to please remove her from the e-mail list.  That spoke volumes.

Every word of what these two former employees have said is true.  If you are willing to sell your soul to make six figures, go for it.  It can be done.  I wish you luck ... you'll need it ...

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#3 UPDATE EX-employee responds

Good bye Liberty National

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

Good-bye to Liberty National from a former branch manager. After three years with them I could not take the deception. For example, the newest wrinkle in business is in trying to sign payroll deductions through the free giveaway accident policies. How it works-each day your agents go in the field from 9 to 2 or so, with the expectation that they drop in on at least 40 businesses to introduce themselves, and tell the business owner that they are just here to introduce the company by simply giving away these no-cost accidental policies. Since you know how many employees work there by looking up public records on a sales lead vendor called Sales Genie, you know ABC Plumbing has 25 employees. Since these policies are good for $3000 each, you say "Mr. Business Owner, we just want to provide at no cost to you or your employees $75,000 worth of coverage." Well, to the business owner it sounds like 75K each, right? Not 3K each for a total of 75? Wow, if you have 100 employees, $300 K Liberty wants to give you sounds GREAT. The intention is simply to schedule a time the next week to come and sign up the employees for these free policies. Well, if that is done, the next day the agent comes back with a manager, who thanks the owner for caring about the staff so much, then says "What the agent FORGOT to mention was the one other policy we can offer at the same time that costs you nothing as well." Hmmm...a script that says the agent forgot when the agents are trained not to mention it? And the script is careful to say that the one other policy costs the employer nothing as well, which is absolutely true, but it is not free for the EMPLOYEE. So, while this info is TECHNICALLY true, its intent is to mislead the owner into thinking here is another freebie. And then if the owner goes for the additional policy, the agent and manager sign them up for the payroll deduction business, and come in later and offer all ten or so Liberty products for the employees. So is this a lie? No. Would you want your grandma to hear you sell it? Depends on your grandma. Other deceptive practices-at the big recruiting shows, they are expected to say that Mr. Big Shot, Vice President of Recruiting, is flying in and wants to personally call and invite you to an interview. Anyone who asks questions about the job is told they will be answered at the session. The session consists of Mr. Big Shot, whichever one is there, talking about how he needs new managers and we need people who can hold other people accountable to force them to make 100K a year, without mentioning the rules about having to prove yourself as an agent first, having to pay for and pass your insurance license, recruit other new agents, and issue 5000 worth or premium. These little details are for later. They are in the contracts, but NO ONE reads the contracts. Here's why-while the seminar is going on, all the managers available are typing the job apps into laptops, so when the talking is over, the applicants are herded over, usually several hundred, to electronically sign their files. Since you are sitting in front of a drone with a laptop who does not have any time to tell you what is going on, and you have ten or twenty people in back of you wanting to sign, peer pressure forces you into scrawling your name a few times and not reading the contract you have signed, which says among other things you are on a commission-only contract(the seminar is careful to never mention "commission"), you have no benefits, you sign away your right to sue, and if you quit before 3 years you forfeit any money in your commission account. Most people have no idea what they are signing, and they are told to show up for work the next day, where they find the truth-that they are independent contractors on commission only, here are a bunch of lists of seniors within 20 miles of the office, and pull out your cell phone and start calling. Most do not show up the second day; that is why the company goal is to hire 15 people a week. The regional folks are rated on how many hires they get, which includes hires rejected by the home office, so they tell you to submit a file on EVERYONE, including the felonies and such that the state will summarily reject, in order to get their numbers in. Is this a wrong practice? Is it misleading? You be the judge. I sure felt dirty working there. Every practice they have seems designed to skirt the edge of the truth and manipulate the system instead of just doing the right thing. I did all right, three years of 75K, but some things are more important. One company all-manager meeting I attended, a very emotional branch manager got up and told us how he worked so much that his wife brought his toddler by the office every afternoon so his son would see his daddy-since daddy works till 9 every night. He broke down and started crying, and the room gave him an ovation. I was horrified-was I the ONLY PERSON IN THE WHOLE ROOM who thought it was terrible instead of admirable that he works so much he never gets home before his kid is in bed? What the ...? That pretty much sums up Liberty. If you can recruit enough, work 80 hours a week, and swallow the bull, you can make a good 60K or so, but you will not like the person in the mirror when you think about how you have to make it...

Used to be a branch manager
Birmingham, AL
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#4 UPDATE EX-employee responds

Good bye Liberty National

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

Good-bye to Liberty National from a former branch manager. After three years with them I could not take the deception. For example, the newest wrinkle in business is in trying to sign payroll deductions through the free giveaway accident policies. How it works-each day your agents go in the field from 9 to 2 or so, with the expectation that they drop in on at least 40 businesses to introduce themselves, and tell the business owner that they are just here to introduce the company by simply giving away these no-cost accidental policies. Since you know how many employees work there by looking up public records on a sales lead vendor called Sales Genie, you know ABC Plumbing has 25 employees. Since these policies are good for $3000 each, you say "Mr. Business Owner, we just want to provide at no cost to you or your employees $75,000 worth of coverage." Well, to the business owner it sounds like 75K each, right? Not 3K each for a total of 75? Wow, if you have 100 employees, $300 K Liberty wants to give you sounds GREAT. The intention is simply to schedule a time the next week to come and sign up the employees for these free policies. Well, if that is done, the next day the agent comes back with a manager, who thanks the owner for caring about the staff so much, then says "What the agent FORGOT to mention was the one other policy we can offer at the same time that costs you nothing as well." Hmmm...a script that says the agent forgot when the agents are trained not to mention it? And the script is careful to say that the one other policy costs the employer nothing as well, which is absolutely true, but it is not free for the EMPLOYEE. So, while this info is TECHNICALLY true, its intent is to mislead the owner into thinking here is another freebie. And then if the owner goes for the additional policy, the agent and manager sign them up for the payroll deduction business, and come in later and offer all ten or so Liberty products for the employees. So is this a lie? No. Would you want your grandma to hear you sell it? Depends on your grandma. Other deceptive practices-at the big recruiting shows, they are expected to say that Mr. Big Shot, Vice President of Recruiting, is flying in and wants to personally call and invite you to an interview. Anyone who asks questions about the job is told they will be answered at the session. The session consists of Mr. Big Shot, whichever one is there, talking about how he needs new managers and we need people who can hold other people accountable to force them to make 100K a year, without mentioning the rules about having to prove yourself as an agent first, having to pay for and pass your insurance license, recruit other new agents, and issue 5000 worth or premium. These little details are for later. They are in the contracts, but NO ONE reads the contracts. Here's why-while the seminar is going on, all the managers available are typing the job apps into laptops, so when the talking is over, the applicants are herded over, usually several hundred, to electronically sign their files. Since you are sitting in front of a drone with a laptop who does not have any time to tell you what is going on, and you have ten or twenty people in back of you wanting to sign, peer pressure forces you into scrawling your name a few times and not reading the contract you have signed, which says among other things you are on a commission-only contract(the seminar is careful to never mention "commission"), you have no benefits, you sign away your right to sue, and if you quit before 3 years you forfeit any money in your commission account. Most people have no idea what they are signing, and they are told to show up for work the next day, where they find the truth-that they are independent contractors on commission only, here are a bunch of lists of seniors within 20 miles of the office, and pull out your cell phone and start calling. Most do not show up the second day; that is why the company goal is to hire 15 people a week. The regional folks are rated on how many hires they get, which includes hires rejected by the home office, so they tell you to submit a file on EVERYONE, including the felonies and such that the state will summarily reject, in order to get their numbers in. Is this a wrong practice? Is it misleading? You be the judge. I sure felt dirty working there. Every practice they have seems designed to skirt the edge of the truth and manipulate the system instead of just doing the right thing. I did all right, three years of 75K, but some things are more important. One company all-manager meeting I attended, a very emotional branch manager got up and told us how he worked so much that his wife brought his toddler by the office every afternoon so his son would see his daddy-since daddy works till 9 every night. He broke down and started crying, and the room gave him an ovation. I was horrified-was I the ONLY PERSON IN THE WHOLE ROOM who thought it was terrible instead of admirable that he works so much he never gets home before his kid is in bed? What the ...? That pretty much sums up Liberty. If you can recruit enough, work 80 hours a week, and swallow the bull, you can make a good 60K or so, but you will not like the person in the mirror when you think about how you have to make it...

Used to be a branch manager
Birmingham, AL
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