SPECIAL UPDATE: June 17 2012: Liberty National Life remains committed to increased customer satisfaction and has improved their business practices over the years to better serve their customers. Liberty National Life is truly dedicated to making sure their customers are satisfied and that any complaints which do arise are addressed promptly and fairly.Ripoff Report REVIEW:
To date, Liberty National Life has made good faith efforts to resolve all complaints reported on Ripoff Report. Based on our experience, the member business has proven to be among the top members of the Ripoff Report Corporate Advocacy Business Remediation and Customer Satisfaction Program as a Verified Safe Business.
Over time and since becoming a member, Liberty National Life has remained actively engaged and improving the way they address customer service complaints. As an active and current member of the Ripoff Report Corporate Advocacy Business Remediation and Customer Satisfaction Program we are happy to report that now more than ever Liberty National Life remains committed to improving customer satisfaction.
Remember, no company or individual can ever satisfy 100% of the people 100% of the time. There are no products or services that will always be perfect for everyone and even the best companies will receive complaints from time to time. However, by participating in the Corporate Advocacy Program, the member business has made a commitment to working with its customers to resolve complaints quickly and fairly whenever possible.
Please keep in mind that as a consumer you have some responsibilities as well. Success has many definitions that based on your past experiences, current situation and your perceived expectations. Success with any product or service is always based on the proper application and understanding. The fastest car will not run if you never turn the engine on. Look at how you used the product or service that was provided in relation with the instructions that you received. The Corporate Advocacy Business Remediation and Customer Satisfaction Program will help you get your voice heard but please be prepared with documentation and fair representation of your concern, also have an idea of how the company can fix your concern. Can they offer additional services, extend warranties, offer a fair refund or just get you talking with someone that can help. ..let them know and let us know!
*Any consumer not receiving satisfaction from a member of the Corporate Advocacy Program should email us at firstname.lastname@example.org
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.
NOW TO THE ORIGINAL REPORT THAT WAS FILED
Liberty National Life Insurance Company Liberty National is Deceptive when Paying Commissions, Do NOT work for them! Birmingham Alabama
If you are considering a "career" with Liberty National, think otherwise. It's not worth the investment. Consider yourself better off going to the casinos in Las Vegas.
Liberty National Life Insurance Company, of Birmingham, Alabama uses deceptive recruiting tactics to get agents to work for the company. It claims on its website that one can make up to $100,000 a year or more in his/her first year. It also says on it's website that with just 7 or 8 sales a week you can make a 6-figure income, which is not true at all. It all really depends on the how the customer wants to pay the premium.
I, a former agent, had made 6 sales in one week, and I only brought home only $36 that week. That was because the customers didn't want the premiums automatically deducted from their checking accounts. Liberty National calls the automatic premium deductions "bank budget" in their jargon. I lost 98% of my commissions on those sales simply because the customer didn't want to do the "bank budget" mode of payment.
One thing that Liberty National doesn't tell potential agents is the chargebacks and disallowances. Chargebacks means that you get paid on a submission of business one week and then the pay gets taken back on the next paycheck. If the company declines a policy, this is usually the case. A disallowance is when they don't pay you for writing up a policy because the customer had a lapse on a previous policy. Chargebacks and disallowances have cost me approximately $400 in commissions.
Another ripoff is on the website is that the company says its agents receive full support through in-depth training and management support designed to meet agents goals. I find this partially true. The training course is a lousy two-week course that is out-of-sync and the management is only concerned with the numbers.
My sales manager was a great manager but he quit after a couple months. This new manager I was put under didn't know diddly squat about Payroll Deduction enrollments and I wanted her to help me land a major business account. She was promoted because she made a lot of sales, not because she had any managerial experience. The District Manager was very unsupporting and gave me poor leads to go by. With no support, I decided to quit.
Finally, it takes a lot of effort to make a sale. You might spend $100 worth of gas and a few days to get a $50 direct pay sale. The only way you can complete a sale if a customer or family member has a checking account, which is a major burden because you can't accept any other payments besides a bank draft or check for the premium amount. There is also the risk that your sales will get declined. If there is an error on the application, you are charged $1. This is a serious issue and very dangerous because the company pays you solely on commission. The unreimbursed business expenses, chargebacks, and disallowances increase your chances for loss and you can actually lose money by doing this "career".
On my last week I had enough of Liberty National when I saw a $200 chargeback on my commission statement. One of my sales was declined and they took the money out my paycheck. I was only a couple dollars short from being in the red and having a negative commission balance. I quit because I didn't want to work hard for a company that I could owe money to.
So...If you decide to work for Liberty National, make sure you can afford to work for free and pay back any charges through future sales.
Really Upset Former Agent