• Report: #219217

Complaint Review: Liberty National Life Insurance Company

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  • Submitted: Sun, November 05, 2006
  • Updated: Mon, October 29, 2012

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

Liberty National Life Insurance Company REVIEW: Customer Satisfaction Commitment. Liberty National Life Insurance Company has been offering affordable life and supplemental health insurance through in-home and workplace sales. Providing local, one-on-one service to customers since 1900. While automation is the way of the today's world, it won't replace our individual attention to Liberty National policyholders.
*UPDATE: Recognized by Ripoff Report Corporate Advocacy Program as a safe business service Liberty National Life Insurance Company pledges to always resolve any issues, feel safe, confident & secure when doing business with Liberty National Life Insurance Company.

*UPDATE EX-employee responds: Ex Employee

*UPDATE Employee: Fact Check

*General Comment: Please move on

*UPDATE EX-employee responds: All Hopeful Liberty National Employees

*Consumer Comment: Pros are Pros

*UPDATE EX-employee responds: It's a SCAM!

*Consumer Comment: Pyramid Scheme?

*UPDATE EX-employee responds: Mixed Emotions

*UPDATE EX-employee responds: Mixed Emotions

*UPDATE Employee: boohoo

*UPDATE Employee: HAHAHAHA..are you people serious

*UPDATE Employee: Liberty National RIp off???

*UPDATE EX-employee responds: I started drinking the Kool-aid, but it had a funny aftertaste.

*UPDATE Employee: No paychecks for agents

*UPDATE EX-employee responds: Liberty & Insurance Companies in general

*REBUTTAL Owner of company: John In Huston:

*REBUTTAL Owner of company: I agree!

*General Comment: Dead Links?

*UPDATE Employee: Liberty National Life Insurance Company, A Great Company to work for!!

*Consumer Comment: Definitely Wary of Liberty National

*UPDATE Employee: Whiners will never make it

*General Comment: These Complaints About LNL Insurance is Laughable!

*Consumer Comment: Beware of insurance sales

*UPDATE Employee: Sorry about your misunderstanding

*UPDATE EX-employee responds: ex employee

*UPDATE Employee: On the contrary...

*UPDATE EX-employee responds: Liberty National LIfe Insurance, LIARS & CHEATS, Daytona Beach, Florida

* : NOT a lazy person!

* : Differences in Life

*UPDATE Employee: HARD WORK does pay!

*UPDATE Employee: HARD WORK does pay!

*UPDATE Employee: HARD WORK does pay!

*UPDATE Employee: HARD WORK does pay!

*Consumer Comment: just getting started

*UPDATE Employee: Inside LibNat

*Consumer Comment: Almost roped in

*Consumer Comment: Almost roped in

*Consumer Comment: Almost roped in

*Consumer Comment: Almost roped in

*UPDATE Employee: Some People Just Can't Hack It

*UPDATE Employee: Liberty National Wiped Me Out, And They Will Wipe You Out Too!!!!!!!!!

*UPDATE EX-employee responds: Our office was worse with fees, etc. Glad I got out too!

*UPDATE Employee: This is 100% B.S. - Please read and make up your own mind.

*UPDATE EX-employee responds: Liberty National used to be a great company to work for.

*UPDATE Employee: TRUTH

*Consumer Comment: I say Thank You As Well!!!!

*Consumer Comment: thanks for your report

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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.

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 editor@ripoffreport.com
 Liberty National Life is Rip-off Report Verified

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.

===================== 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 Birmingham, Alabama
U.S.A.

This report was posted on Ripoff Report on 11/05/2006 04:39 PM and is a permanent record located here: http://www.ripoffreport.com/r/Liberty-National-Life-Insurance-Company/Birmingham-Alabama/Liberty-National-Life-Insurance-Company-REVIEW-Customer-Satisfaction-Commitment-Liberty-219217. 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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Updates & Rebuttals

#1 UPDATE EX-employee responds

Ex Employee

AUTHOR: Aaron - ()

First you need to learn to spell. Secondly I am smarter than most and have several degrees; two associates, two

certificates including nursing, and currently working on two bachelors. I can say with absolute certainty that Liberty

Natonal is a scam, as agents we take all the risks, going to theae peoples houses is very dangerous most are

crazy. However Liberty National works like a pyramid scheme. Look it up. These businesses will not survive. I

predict that in the near future people will get wise to it and stop paying their premiums, in fact I am going to

personally make as many people aware of it as I can. Lastly what comapny does not ask for a social security

number when they decide to hire you??? Sounds like a red flag.

That is all!!!!

 

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#2 UPDATE Employee

Fact Check

AUTHOR: LouisianaLib - (United States of America)

No-one can generate the numbers to justify promotion to Unit Manager in 8 weeks. Period. First you have to generate business to justify Assistant Unit Manager, THEN you have to help your trainee agents generate business with sufficient numbers to justify promotion.  It is generally assumed in our branch the minimum time to get to AUM is 7 months. Unit Manager takes longer, in my opinion based on the numbers you need to show from your subordinate agents. So, in short: No. You didn't get promoted in 8 weeks to Unit Manager. If you work, you get success. If you don't, that is your issue, not the company's. If you actually were an employee, then you are embellishing the issues in your own case. If you are not an employee then this was an outright fabrication, intent on discrediting my company. As to my story: I am still a trainee after 2 months. I struggled with small paychecks in the first weeks. Its gotten better with continued effort. I would like my pay to be greater, but I understand that I am the person who makes that happen, or not. I will not complain here about this company when I fail to maintain the effort to produce the numbers I need to be successful.
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#3 General Comment

Please move on

AUTHOR: oleboyoil - (United States of America)

Between these 30k millionaires who claim such success, and those just getting by, I have something to say. I know know one here graduated from a respectable university. I know the tool bags who claim they own their own companies and quit so they could work for this fly by night, glorified telemarketing scumbag of a company. Stop for everyones sake, please stop posting s**t as if you actually have any money. Non of you have any money and never will. This is a job for poor people. I was lucky enough to have daddy leave me a bunch of money, and I love it. Coming from an affluent family means I also come from an elite gene pool non of you do. Please do us all a favor and just stop. Or you could just go join the OWS. The reason I posted this? I cant stand uncouth people such as yourself and im drunk. If it makes you ferrous I received a large trust, and can do pretty much anything I want, then my life is complete.  
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#4 UPDATE EX-employee responds

All Hopeful Liberty National Employees

AUTHOR: drwissosweet06 - (United States of America)

I worked for Liberty National Life Insurance Company in 2004 and for a few years after that.  I must say I was BRAND NEW to the insurance business at the time when I came into the business, the company was very different. 

I did not understand the pay structure at all nor how I got paid.  All I knew was it was weekly.  lol I just prayed a lot and kept working.  Eventually I got paid and FINALLY,  I understood how the pay worked.  I believe that if a person know what they are working wtih, they know how to work it. 

I was successful, because I had two rules.  1.  Treat people the way I wanted to be treated, which means educating the customer so they can make intelligent decisions and doing what is best for the customer not me.  2.  I never talked to fools: you can't tell a fool anything, I talked to the person who would have the responsibility to bury the fool.  It was amazing, they always knew the person was a fool, because they would say "That fool is not going to get any insurance, I will have to bury him/her."  LOL

They had an EXCELLENT training program.  I excelled pretty fast.  I was promoted to a Sales Manager (I had 6 people working under me) after six months of working there,  after another six months, I was then promoted to Unit Manager, where I had 10 people working under me.  After that I became a District Trainer in  our office for New Agents.  I really enjoyed the company and expecially my District Manager.  He always supported me.

The company got another CEO and it started changing, they were interested in cutting money from the agents, the trainig program was no longer excellent.  To me, too many corners were cut without consideration to the agents who were making the money for the company, that is why I decided to leave the company.

When I worked for Liberty National, they were a great company for me and I would not be where I am today without their training.
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#5 Consumer Comment

Pros are Pros

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

I was called out of the blue last night offering me an "opportunity". So I listened to my VM and called "Kyle" from orlando/Casselberry. I left a couple of messages as they never answered!

Today someone else called me on Kyles behalf.I wanted to hear the pitch. They told me I would be a W-2 employee, benefits, blah, blah. When I asked how much the salary was this HR person (who now I imagine was just another sales guy) said only Kyle could talk about it.

I told him of all the negative comments here and elsewhere and he went into a 5 minute diatribe (he had obviously heard it before and had a great canned response). When I couldn't get a word in I hung up!

The goof even called back an hour later not realizing he was calling the same number.

I wasnt interested in this company. I just enjoy the pitches! I own a very succesful agency. I sell myself because I love to sell and am independent so I can offer what is best for the client not what is best for one company!

My experience with Libcrap in the past are the agents who work for them and come calling I have had ZERO use for them. I would say 50+ have responded with resumes over the last 8 years. These agents are untrained and unprofessional due simply to this dog eat dog survival they have to live under.

It is companies like Lib Crap that give the industry the black eye that it does. In some ways I am thankful because I do get 15-30 sales a year replacing policies from agents like these who need to make money and sell policies people cant afford or are crap!

I sleep at night! And I am thankful for it!

Insurance sales is a PROFESSIONAL INDUSTRY that requires training. And I have yet to meet anyone who can sell properly without training. You may make sales but that doesn't mean you have done your job properly!!!

So for all you people who are interested in selling insurance, you can make a good living. My advice - go independent and go straight commission. There really are no salary Insurance Sales positions. More advice - meet management and ask yourself this "Would I want this person selling to my family?"

If you answer no to this you need to find somewhere else to hang your hat. There is a lot of crap in the insurance industry but then there are those of us who are cleaning up "cleaning up" for all the crap thats out there!

Best of luck to all!!
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#6 UPDATE EX-employee responds

It's a SCAM!

AUTHOR: no name - (United States of America)

 I recently took a job with Liberty National and I was SOLD from the word Go!  The interview started great.  Got my license and started to work, or so I thought.  First thing was he had me chase my own leads (contrary to what I was told) and the next day was cold calling.  Now I know that this is the business of the insurance industry but I wasn't about to burn bridges with close acquittance's.

  So day three starts and I start getting an uneasy feeling, I used to be a Police Officer so I know to trust my gut!  So I get a call from one of the other Agents and she fills me in with what I thought was true.  She told me that it is impossible to get appointments with people and the ones that do can't afford life insurance!  And if they do want it the underwriters make it impossible for people to qualify.  Thus modifying the policy to ALX which is way out of the prospective clients price range.

  Now to the fourth day.  Come in to the office and I am immediately told to start the calling of the positive leads.  So I start and ask where is the phone I should use?  The response is just use your cell phone!  At this point i'm beyond angry, but I start the process.  After 25 out of 25 calls I have made The so called clients have no clue of what I am talking about!  Now mind you I have had zero training what so ever to this point.  So come lunch time he comes in and asks how it was going at which point I said not well and confronted him about the situation.  His answer "well at least you have your own leads!"  And I leave!

  Fast forward to the end of the day.  I get a call from the Secretary who informs me that she has quit!  Her words were "I cannot live with myself knowing we are lying to the poor people!"  I asked what she meant and she says "he has me lying to these people to get them to come in and interview so we can sign them up so we get paid."   My response was was what are you talking about?  So I start thinking back to all his interview process realizing it is done every Tuesday and Thursday and with at least 12-20 per interview.  Well this is your first clue this is a scam!  This is a so called Blitzkrieg interview.  It's only purpose is for him to sign heads to get paid.  You are not going to get trained they don't care about that!

  Now, in closing and mind you I am not trying to toot my own horn here.  I grew up in McKinney, Texas home office of Torchmark and Liberty National/United American.  And I know many Higher ups in the Company all of which are very reputable!  I have very close relationships with them.  The reason I say this is I have been on the phone with these higher ups and they said they were appalled at what they were hearing!  Well I think they know what is going on just not telling me, oh well.

  That all being said, in response to some of the rebuttals on here that say some can't hack it.  YOU are employees of the company responding to this web site trying to save face!  I know this having talked to the higher ups in the company!  My advice to you is STOP NOW!!!!  I know your names and I WILL post them here if you continue!

 
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#7 Consumer Comment

Pyramid Scheme?

AUTHOR: Jrik23 - (United States of America)

So let me get this straight.  You are hired informally through a conference type atmosphere where they sell you their business opportunity.  They tell you that it is your business and you get what you put in.  Claiming that you can make over 100k each each year working solely on commission.  After reaching a sales cap they place you ahead of 5 low level sales persons.  When those people reach their sales cap they give you five more or 'promote' you again to have 5 managers below you and 5 agents below each of them?  

If this in anyway sounds like the operation that liberty National adheres to then it is a Pyramid Scheme.  

Another indication of this being a scam is the fact that it is found on THIS SITE!  

If that doesn't convince you then look at the order of the comments.  

Negative
Positive 
Negative 
Positive 
Negative 
Positive

This doesn't happen without manipulating the comments.  I really don't think that the negatives are manipulated so that only leaves the positive.  They seem too positive to be real.  People that love their jobs don't visit scam research sites to write rebuttals to ex-employees negative experience without an ulterior motive. These aren't customers blasting the product or the service.  These are former employees speaking out about the company practices.  A current employee defending the company from disgruntled customers makes a little sense.  This doesn't.  

With just a little bit of thought anyone smart enough to visit this site could realize this is not the company for them just by where they found it, without ever needing to read the comments.   
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#8 UPDATE EX-employee responds

Mixed Emotions

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

I am a ex-employee of the one in Hoover, AL and it wasn't what it cracked up to be after I found out what they wanted me to do. Now with me I knew that I could do....I love challenges and this was a challenge, but at the same time I was doing this job while I was in school. I do all my classes online so this job wouldn't be a problem for me. Well little did I know how they felt about someone going to school and working there. I was told by more than one person there that I am wasting my time going to school because I will never make near as much as with a degree vs. being there. First off I am getting my Associates in Business as my major and getting an Associate in Computer Administration as a minor. My heart was into this company, but then as soon as they are trying to make me quit school my heart told me that I needed to leave because what company discourage you from going to school. 
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#9 UPDATE EX-employee responds

Mixed Emotions

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

Now with me I knew that I could do....I love challenges and this was a challenge, but at the same time I was doing this job while I was in school. I do all my classes online so this job wouldn't be a problem for me. Well little did I know how they felt about someone going to school and working there. I was told by more than one person there that I am wasting my time going to school because I will never make near as much as with a degree vs. being there. First off I am getting my Associates in Business as my major and getting an Associate in Computer Administration as a minor. My heart was into this company, but then as soon as they are trying to make me quit school my heart told me that I needed to leave because what company discourage you from going to school. 
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#10 UPDATE Employee

boohoo

AUTHOR: libertyunitmanager - (United States of America)

ok lets see...your mad because liberty sent you a recruiting letter, the training sucks, managers only care about the numbers..i can keep going. Look, im not gonna be as nice as the other people that defended liberty...you people need to keep your mouths shut and your opinions to yourself. you dont like liberty because its a job you cant handle. you can say the training sucks but honestly, WHY THE HELL would you apply for ajob you dont know how to do. Its company not a day care.. to the person who said "i quit because i dont want to work for a company i can owe money to"....do you know how to read??/ if so tell me what your contract said..correct me if i am wrong but doesnt it say "INDEPENDANT SALES AGENT" in big bold letters on top. i think it does and let me ask you this.what does independant mean....my poinbt exactially....and how dare the managers care about the numbers....they should just hire everyone and let them do what they want.....lol, are you guys seriously mad about the managers carrying about money...thats your job...to make the company money..go get a job at a restaurant and just stand around and see what happens...every job in the world and every manager in every industry revolves around the company making monye...and the recruiting emails...you only get those if you have filled out information on a job site or posted your resume online...we try and give people jobs,, you posted somethign about needed a job and we contact you with an opportunity...hate to break the news to you friends but not meeting sales goals and the manager getting mad is entirely your fault and honestly the only thing you guys accomplish is doing a reeally good job wasting my time. you are just to proud to admit that you applied for a job you were not smart enough to do...and to everyone readin gthis and thinking about working with us do not listen to these people. every single person on here complaining and calling it a scam are nothing more then agents that coudnt handle it. its like that for most of these companies on here. you have noticed that there are no customers complaining. i guess the agent manager that hired them is somewhat to blam. they are flooding the market in hopes of results but that has to be done to weed out the ones that shouldnt be doing it.i dont do that though. i own a Merchant Service Provider, Marketing agency, Print brokerage, a virtual assistant company and a few other things. so i am not with liberty to make money. i am with them because i think they are a good company. i picked them like i pick all the companies i work with...trial and error and only the best. If you are in nashville and thinking about liberty talk to me and ill show you how wrong these people are
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#11 UPDATE Employee

HAHAHAHA..are you people serious

AUTHOR: libertyunitmanager - (United States of America)

you made some very good points
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#12 UPDATE Employee

Liberty National RIp off???

AUTHOR: AgentAndrew - (United States of America)

I dont think they are a ripoff company. I work for Liberty National and they have treated me very well.
I just started about 4 months ago and its just now starting to pay off for me.  I have companies lined up for the next few months.  As for pay checks, i'm getting paid from all directions. 60% commission up front 40% bonus and commission account that pays out through 12 weeks...Lets just say i'm making a little over a 1000 a week right now.  I can see how people make 100k a year though. :)
So far Liberty National is doing great for me!
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#13 UPDATE EX-employee responds

I started drinking the Kool-aid, but it had a funny aftertaste.

AUTHOR: Springer - (United States of America)

Thank you for posting this report. I was "hired" last Wednesday and was to start tomorrow. I have an opportunity for another job, which I told the Branch Manager about up front; and he almost had me convinced that that opportunity would "limit my potential" and that I would be better off coming to work for Liberty National. My recent recruitment exactly matches the description of how others have been recruited and misled in these reports. I almost "Drank the Koolaid" (which is a term I heard over 50 times during the recruitment seminar) but it started tasting funny when I got an assignment to go home and "make up a list of 150 people I know to bring in with me on Monday" when I started. Because of that, I decided to research on the web, came to this site, and quite possibly saved my career. I'm accepting the "limited" 70K salary career with benefits so that I can leave work at work and spend time with my wife and children. I'm not saying that people shouldn't consider working for Liberty National; I would just encourage you to do your research and if you have other options, weigh them heavily and prepare for the Branch Manager to try and dissuade you from exploring them.

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#14 UPDATE Employee

No paychecks for agents

AUTHOR: j_NC - (United States of America)

As an employee, I can honestly say that you have to have very, very deep pockets to work for them if you are honest.  I received a grand total of a day and a half of training, although I was told that I would have 2 weeks before I was hired.  I was also told that I could expect to make at least $1,000 a week, starting my very first week.  I was told that I would be selling to business before I was hired.  After I was hired I was told a very different story.  After driving an average of 1,200 miles a week and writing policies that were essentially free advertising, I managed a meeting with a broker for a VERY large customer, who was very impressed with my presentation.  All that had to happen was for my boss to come with me to finalize the deal and if Libnat had been halfway truthful with their advertised commission scale, then the gas and going without pay for a month woult have been worth it.  Unfortunately, when I was back at the office, I heard my unit and branch managers talking about the deal and saying that it was too good of a potential franchise to let a new agent like me keep....So as far as I know he hasn't met with him, because he is too busy, although he made the 2 hour trip from our branch office to the same town to "check on something."  I will be moving on to a better job that actually pays people who do the work as of Monday.
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#15 UPDATE EX-employee responds

Liberty & Insurance Companies in general

AUTHOR: Greedy - (United States of America)

I was introduced to the world of Insurance and needless to say I was appalled! I had a short stint with Liberty and it was a joke needless to say. 

First, all the guys that are sticking up for them obviously have only been there a short time and will figure out before to long that they should have went to the Diesel Driving Academy.  The Branch I was affiliated with started out with ten agents and now only one of those agents are still around only because she rides the coat-tail of her family member.  You will soon learn the name of the game in the Insurance business is using you the Agent for the people you know!!  It is what it is.  They hire you knowing that the first people you are going to target are your acquaintences.  That is why they have such high turnover and are continually having recruiting seminars.  DO NOT DO IT!!  It is bad business!! 

Second, think about all the other Agents before you that have gone into the businesses you are getting ready to walk in to.  There are no boundaries or territories in this business.  So an individual who sells in Oklahoma can get a license in Texas and sell there as well.  How does it feel when you walk into a place of business and 3 other Agents from Liberty have already been in trying to set up a Section 125?  This is reality.  You may be the best salesperson to ever walk this Earth, but I can assure you, you will not succeed in that environment for long.   There are success stories and they will surely promote them at their "Brainwashing" seminars.  These guys will stand up and tell you how much they have made and they cry and tell you that you can do the same.  This is the same guy that just screwed a family out of paying their electric bill for the month by taking out some needless Insurance that they could not afford.  Sound familar??

Third, there is NO training!! We will refer back to my first point.  They are not interested in training you because they know you will run to the people you know.  I have trained some of the best salespeople around in my Industry and the common factor is continually pushing them to gain more knowledge and introduce situations that may come up during a sales call.  If a person has never been in sales before, how are they going to know the sales process from start to finish?  You have to know your products as well as the competitions products and know how to overcome objections.  The only successful sales people are the ones that are complete with all the tools in their toolbox needed to do their job.  I went to a "training" seminar in Dallas for new Liberty Agents and I am not sure that I once heard anything useful that I could use in a sales presentation.  I did hear the so-called "President" of the Company, we will call him "Alvin" or "Theodore" or whatever, just going through the room slamming people and daring someone to challenge him.  There was no appreciation or motivation that came out of that meeting!!  The only thing I got were some really cool jeans from Macy's! DO NOT DO IT!!!!

In closing, people, everyone is hurting at this point due to the Economy and basically because we are unsure of our future!  If I can give you the best advice you have ever been given, stay away from being employed by an Insurance Company.  Unless you can get an interoffice job with salary, STAY AWAY!!  I have bills and you have bills and we all struggle sometimes. The old saying that "if it sounds to good to be true," well, you know the rest.  The Insurance business and Liberty National will not be a career that you will have for a lifetime.  Businesses do not like Insurance Agents coming in to see them!!  If you are even remotely thinking about doing this, go find 3 businesses in your town and walk in just like a salesperson.  Ask for the decison maker, because that is what good salespeople do.  See if you can get past the "Gatekeeper" after you tell them you are wanting to sell them payroll deducted insurance.  GOOD LUCK!!!

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#16 REBUTTAL Owner of company

John In Huston:

AUTHOR: OHara - (United States of America)

John in Huston:  You seem to want to blame others failure on not working hard and not knowing how to sell.  That is not the case with me.  I have been in sales more than 30 years and have been #1 out of 131, #1 out of 92, #1 out of 37 and produced 70% of total sales in  company of 3 sales reps.  I have also been the top new account producer with two of these companies and the first rep to have annual volume over $1 million with one.  With one, I had the largest average invoice of all sales reps (131), almost double that of any other sales rep.  I certainly know how to sell and certainly know how to work hard.  However, despite the hard work and know how, I am not making a decent living with Liberty National.  I'm struggling just to pay my utilities.  I don't have rent or a mortage or car payments so my load is light.

This is not a job for anyone without deep pockets.  It is an expensive company to go to work for.  I have probably spent more money to work for this company than for all other companies I have worked for combined!

Probably the most amazing thing is that the company almost seems proud that they do absolutely no advertising at all!  Advertising makes companies successful but LN absolutely rejects the idea that it could help their agents!  Other insurance companies are eating LN's lunch with their advertising such as AFLAC with their duck commercials and AFLAC is the competitor I run into most often.  Apparently it works.  Not advertising simply puts the entire burden on the agent and it's an onerous burden to be sure.

 

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#17 REBUTTAL Owner of company

I agree!

AUTHOR: OHara - (United States of America)

I'll agree with you that training is abysmal.  I've worked in sales with a number of small companies and they all had better training programs than Liberty National.  I've been the top sales representative with several national and regional companies but it looks like I won't be more than minimally successful with Liberty National.  With their resources, they should have a world class training program.  Instead, they have virtually no training program for such a difficult product to comprehend.

Also, count on spending several hundreds of dollars (or thousands) to work for this company.  You will have to have a (relatively) new laptop computer and a GPS plus appropriate attire and suitable automobile.  You'll probably be driving 100 miles a day at your expense.  It is unlikely that you'll make enough money in the first few months to off-set these expenses and have anything left over for your family.  I've probably spent more than I've made with Liberty National.

You'll also be expected to service accounts you didn't get compensation for.  There was one that was almost 100 miles away that I had to service with no expectation of any commissions.  It was a four hour drive both ways but I had to do it.  Usually companies pay a base salary for sales people to handle these accounts.  Not Liberty National!  This is a straight commission job!

 

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#18 General Comment

Dead Links?

AUTHOR: GI-Straight - (United States of America)

The Report in question is:  Report# 219217

Next to each comment there is a button that says "Respond To This Report" however, comments #23, #20, #15, #7, #6, #5, & #4 are not live so I cannot Respond. 

I am only concerned with responding to comment #23.  I also live in Acworth, GA and I'm considering LNL as a possible place of employment and would like to follow up with the poster of this comment.

Thanks
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#19 UPDATE Employee

Liberty National Life Insurance Company, A Great Company to work for!!

AUTHOR: LSR - (United States of America)

First of all, Liberty National Life Insurance is a Great company to work for! I have been here a short 5 months and everything they told me has been spot on so far. I decided after having to close a business of which my husband and  I owned for 15 yrs last year due to the economy, I needed a new career and needed something that allowed me to help people as much as I could help myself. This is not a fly by night company, They have been around since 1900. We are one of the oldest and most knowledgeable insurance Companies out here. We (Liberty National) are still around for a reason! We are honest with our clients, we do a good job at meeting the needs of the people whom we serve, and that is more so our job than anything else, servicing our clients in a manner that supplies their insurance needs, nothing more, nothing less.

I totally believe this is the best company to work for. They give you every opportunity to do well! Their employee process is in my opinion one of the best. Basically they train you, give you the knowledge you need to succeed and then if that were not enough, your manager goes out with you in the field and gives you hands on training. You cannot ask for better than that! As in any job there are good managers and there are not so good managers, obviously you did not have a good manager, which only reflects on that manager, not on the company as a whole. I hate that you had a bad experience, I wish you could have had a manager as knowledgeable as mine. This is a Great Company and I plan to be here for a very long time! I have done well and plan to continue to help as many people as I can. I wish you would reconsider and give Liberty another try, just choose a better manager and you would do well also. Your manager should have gone over the pay scale and ow it works much better than what it sounds like. There are some times when you just have to say, I need! Always ask for better instead of giving up! This company has changed my life, and I love my new career with Liberty National and would not be anywhere else! Liberty National can and does deliver exactly what they say, "A chance to not only make money, but to help people". The only other thing I would tell you is "No matter what career you choose, always read everything that is handed to you more than one time, and give it everything you got and then some. This is the secret to success, be in it more for the people than for yourself and God will bless you with tremendous success!  

For me it is Liberty National Life Insurance Company, They believe in me as I believe in them!
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#20 Consumer Comment

Definitely Wary of Liberty National

AUTHOR: Amanda - (USA)

I received an email from a former employee of Liberty National, warning me that my name and email had been entered into a database of theirs via a job-searching website where I had submitted my resume. I was, of course, concerned that this could be some sort of trick on the company's behalf. I ignored it and forgot about it until I received emails a few days later from Liberty National, from a chief executive officer who I shall leave unnamed, stating that my resume had been received by Liberty National, and they would like to talk to me about a career opportunity.


I was skeptical of this for several reasons. I just graduated from high school only three months ago, and it is quite clear to anyone who reads my resume that I have absolutely no job experience. It struck me as odd, therefore, that a supposedly reputable company like Liberty National would attempt to recruit me; if the chief executive officer had actually read my resume, I have no doubt that he would not have contacted me.


What could an insurance company want with an inexperienced high school graduate? The chief executive claimed that I could "advance into management quickly" if only I met the requirements of "an entrepreneurial spirit, hard work and dependable transportation," but I couldn't help but think back to the email I had received from the former employee, warning me that "the managers get a bonus for every warm body they get in the door regardless of whether or not you continue employment with them."  


It is not so hard to believe that getting a job at Liberty National doesn't require past experience, as long as one possesses the type of dedication needed for such a job--it seems to me that anyone could make it through the training. But I find it difficult to trust a company whose vouching employees lack basic grammatical skills, and whose reputation definitely precedes it. While I'm sure Liberty National isn't quite as bad as this original report makes it seem, because I'm sure everyone's experience with the company is different, and there are a hundred different factors that can affect someone's experience, and anyone's opinion can be influenced either positively or negatively by that experience, I find it exceedingly difficult to believe that I could be an asset to Liberty National; I do believe what I have heard about this company's less-than-admirable treatment of its employees, if nothing else. 


I will not be returning any phone calls I have received from Liberty National. As inexperienced as I am, I feel I would be far more under-equipped for a job that apparently requires quite a lot from its employees. I don't believe a company that requires employees to put in far more than they would get out is somewhere I want to be.

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#21 UPDATE Employee

Whiners will never make it

AUTHOR: Happy Camper - (United States of America)

I started at Liberty National approximitely 4 months ago with no expeience in sales. it has been my expieience that everyone in the office will help you . the key word is help. not do your job for you. They tell you you can be in management in 8 weeks which is possible if you have a background in sales or know a lot of people willing to help you to the top. i have been offered as much training as i can absorb.

I am just now reaching my 40% mark for the first time. i was close one time before. but fell off bonus. i could have quit and blamed the company. but instead i sucked it up and worked a little harder. and with a little help i have achieved my goal.

I was in buisness for myself for 20+ years and in that buisness no one paid for anything for me 0 -  Nada  . at Liberty National they have furnished me a product i believe in Training help in the field they have taught me to prospect and close a sale. They teach everything but desire.

There are successful people in all trades you usually get out of any job what you put in it. if you want to succeed at Liberty National. stick with the program and you will. If you want to Whine you can dom that where you are at.

Ps i am a below average sales person with an above average income.

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#22 General Comment

These Complaints About LNL Insurance is Laughable!

AUTHOR: Ray - (United States of America)

Regarding all the complaints about LNLI Company, this is what I have to say.  I have never been affiliated with this company; however, I am considering working with them as an "Independent Contractor"!   To all of you who say you are starving to death or starved to death while working for this company, I hate to burst your bubble, but you have but one person to blame......YOURSELF!  


I was in the financial services business years ago and many of the complaints that I see in this forum were the same complaints that I made when I left the business.  Let me lay out the truth about sales.  Tom Hopkins author of "How to Master the Art of Selling" (which I'm sure 99% of you complainers did not read!) said this about sales:   "Sales is the 'easiest lowest paying job' in the country AND Sales is the "toughest highest paying job" in the country!



Meaning that when you go from either college or from a salaried job into sales, you have to do that 4 letter word called WORK!!   Most people who go into sales soon find out that they basically make their own hours and work at their own pace.  Basically there is no accountability I.E. No punching in a clock, no manager telling them that they are late, etc.   What happens to most people is that they get lazy i.e. showing up at the office at 9 or 10 a.m. sitting there hoping the phone rings, or that a customer will walk in, etc. Never mind that on their way to the office, they passed up 20 small business owners who need their products!



Here's what most of you complainers DID NOT Do!!      You did not use the formula for sales success called  STP Belly to Belly  Daily!  (Explained in the Tom Hopkins book that you Did Not read!)  What is STP you might ask?  

See Twenty People Belly to Belly Daily!    



Chargebacks in the Insurance Business?!!  Oh my,  what a SHOCKER!!  You mean when the company pays me an advance commission on unpaid annual premiums and then that customer doesn't keep  the policy for a year,  that I have to pay that money back to the Insurance company?!!  Gosh what a Rip Off!  lol!  No, what would be a Rip Off is if the company let you keep that money from a sale that you probably didn't even pre-qualify before you closed it!!



Before you go into a Commission only employment, you should first do one thing...Have enough savings to pay your bills for 6 to 12 months without income.  This takes all the pressure off of you to from thinking "I gotta make this sale so I don't starve to death!"  



In conclusion, I will be redundant with what Tom Hopkins said in his book:

 "Sales is the 'easiest lowest paying job' in the country AND Sales is the "toughest highest paying job" in the country!


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#23 Consumer Comment

Beware of insurance sales

AUTHOR: NoTime4NoPay - (United States of America)

Somehow I've been getting tons of emails from Liberty Nat and other insurance sales companies ever since I posted my resume on careerbuilder. My background? IT Support, currently going to school for Mechanical Engineering.


From personal experiences to friends, and an article in the Wall Street Journal a month or two back, these people who are claiming to make near or above 6 figure incomes are clearly the exception, not the rule.



WSJ had a nice write up about how insurance sales companies have been agressively recruiting new salespersons. They also went into detail on how a very large percentage usually end up getting out of it very quickly too.



This line of work is not for everyone. If you think you can cut doing sales in a very cut-throat industry, and are willing to shell out the funds to be able to do the leg work to try and get sales, then by all means.



But for anyone, such as myself, who has been unemployed for a long time, remember that there is a great risk involved. Between being on your own for gas and other business expenses, you risk the chargebacks and other things that could wind up eating up most or all of your check. You also risk unethical managers who could ensure your money doesn't end up at the rightful person (yourself). This was where I ended in car sales, after being bumped out in a split deal by the (surprise) number one sales person. And what did they tell me when I came to work the next day (occurred on my day off)? I was too lazy, if my heart was into it I would've been there. Why did I take my day off? To be with my wife at her OB-GYN appointment, seeing my child for the first time on the ultrasound.



Needless to say, I've enjoyed being a father, and since then was making more money than most salesmen and working less hours (until I was laid off). Plus I had expenses taken care of as well. So while, as someone pointed out, you can earn profit instead of earning a wage, if you aren't willing to gamble that profit, then stay away from this type of work.



Also, it should be noted that many people have complained that "unsubscribing" from their mailing lists does not unsubscribe you. I'm planning on unsubscribing, and if the emails continue, I will post further.
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#24 UPDATE Employee

Sorry about your misunderstanding

AUTHOR: John K - (United States of America)

I understand your frustrations, but there is the possibility that other factors may have contributed to your discouragement and ultimate ending of your relationship with the company. There are several people in the company that can show they are very successful doing this type of work and with this company. It's hardly fair to say that the opportunity is not a good one. Your situation can not be viewed as typical or prevalent. I feel that you probably had a number of obstacles that you found very difficult to overcome - ie: your inexperienced manager and the fact that you may have been new to the business and/or company.

This business is not for everyone and there are certain skills required to become good at it - the main one being perseverance. Their website also shows that an agent earned over $300,000 the first year. I'm sure that is the exception to the rule, but nevertheless, it was done in 2009. Sales in general is all about attitude and perseverance. It's a little naive to think that one can become a top producer with no or very little experience and/or skills - even if the company provides daily training. If it were that easy, everyone would be doing it.

If you have the desire to do this for a living, I would encourage you to study all you can about sales and insurance and talk to people who are already successful at it. What you may discover is that there were some things that, if you had known them, would have greatly increased your salary. Then your reaction to this AWESOME opportunity would have been more positive.

Good luck in your endeavors

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#25 UPDATE EX-employee responds

ex employee

AUTHOR: Former Employee - (United States of America)

I started with Libnat with the same level of skepticism as everyone else but here is what I found / feel about the whole deal.

Can you make 100k? Yep, but most don't. It could be laziness, lack of sales training, poor prospecting, crummy management, or a plethora of other reasons, but it is absolutely possible.

Do they recruit constantly? Yep. They even use automatic dialers that ask the recruit to press 1 and then someone in the office that has never seen their resume picks up the phone and tries to get them to come in. It sucks.

Chargebacks? Yep, and everyone else in the industry is the same way. They expect quality business that will stay on the books because they don't make any money in the first year after they pay your commissions and the staff that underwrite the policy and do the legwork behind the scenes.

Declines? Yep. If you do proper field underwriting you should not have a problem most of the time. Some people conceal information but that is unavoidable. This is the case with any insurance company.

Do the promotions hurt your pay? Probably, unless you inherit some great agents right off the bat somehow. It takes time to build a team but it can be very profitable once you get some good people. It's still a hassle though. The company will never be satisfied with the agents you have. They will want more agents. You don't make much money once your agents get through their first year so you have to have new ones.

Spend a lot on gas? Sure. But if you are buying gas and not making sales you need to rethink your strategy. You should know how many appointments you typically go on before you get a winner. If you drive 2 hours to get to one appointment but that is the only appointment you have for the day, you shouldn't have left the office in the first place. Stay there until you have enough appointments and then leave. If you make an average amount of sales, you will overcome your gas burden.

Training? Nope. Not really. Some offices are better than others and all managers are not created equal. Mine was terrible. I learned by asking other agents that work for other companies.

Leads? Almost any lead you get from your employer will stink. Don't rely on leads, rely on networking and getting referrals. If you think you need leads, research the lead vendors that are out there and buy your own. That way they won't be a week or 6 months old by the time you call. But NEVER expect leads to fill your pipeline.

I don't regret working at Liberty. I learned a lot and while I was there I met great people that have opened new doors in the industry. If you are thinking about trying your hand at insurance, it isn't a bad place to start because they pay quickly, policies issue quickly, and their products are easy to understand. I wouldn't make a career out of it though. Take a good hard look at your manager when you meet them. They will be a large part of how successful you are there. See the people constantly, make a lot of phone calls, and don't buy into the recruiting nonsense because unless you're a manager it won't get you paid.
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#26 UPDATE Employee

On the contrary...

AUTHOR: smiths station - (United States of America)

   Everyone has an opinion. I am 23 years old and have had 12 jobs. Liberty National has no salary cap or salary guarantee for new agents. If you are any good at it, which some people are not, you can make $1,000+ (the sky is the limit) starting your first week. You will get paid on the Friday following the work week. If you want to work 3 hours a week, you can make $200 a week, which won't last long because thats very poor production standard. If you are a scatterbrain, you will get yourself in trouble because, as a new agent, you are running your own business. The thing to do is build your business as an agent really hard the 1st year, then steadily your 2nd, and 10 years(generously,) you have a half million dollar business. I dropped out of high school at age 16 and college at age 17, but I was always one of the smartest in my class. School was not for me. Like Jay-Z says, "There's a million ways to get it" and with Liberty National, I have paid off my Kawasaki 250, bought a Yamaha Roadstar, and paid off my Chevy; and I've been working here 3 months. After seeing my coworkers around the region in Atlanta at the convention, I realize I was a slow starter. My boss's(UM) wife told him, "You ain't makey no money sittin' there on the couch." Check out lnlcareers.com, and watch all the videos. See for yourself./ 
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#27 UPDATE EX-employee responds

Liberty National LIfe Insurance, LIARS & CHEATS, Daytona Beach, Florida

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

Liberty National Life Insurance Co. Total Ripoff - Daytona Beach Florida The people who are writing positive reports about this company are probably managers, Unit Managers, District managers, of one type or another. The Daytona Beach office is a total scam. When I started with the office, they had over 40 employees, when I left about 15, now about 5!!! Lets talk about training, I don't think the Daytona beach office knows what training is, you do the online thing, and that is it. They show you "once" how the enrollment program on "your" computer works. They cheated me out of commissions. You can say oh, she didn't do her paperwork, etc. You can say, she was lazy, she just has sour grapes, etc. So lets not talk about me. Lets talk about some of the other things I saw. One of the girls in our office opened a fairly large worksite. She had another gentleman with her, who originally had found the lady as an individual prospect. This girl was training the gentleman and went with him to do the call. They got stood up a couple times, the 3rd or 4th time they got stood up, she got into a conversation with the ladies husband, found out they own a string of businesses. She ended up signing them as a business on an appt tha the gentleman failed to show for, the individual stuff never was accomplished by her or the gentleman. (She quit first.) But she did the enrollment with him, so he would get half as it was his original appointment.  So in the process of enrolling the businesses employees, the gentleman fails to show up for better than 85% of the enrollment. Had awesome excuses, His kid was sick, oh I have another appt I have to do first this morning, Oh I didn't see the enrollment on the schedule, I overslept, etc. She is doing it mostly all on her own over a month. The Unit Manager and District Manager decide that because the new guy was still in 5K mode, she still has to give him half, even if he didn't show, additionally they took parts and sent it up under other new agents in the office to ensure they bonused for the week. Then her UM told her she didn't have to, to finish it up and send it up under herself. Then the DM found out the UM had told the agent to send the balance up under herself, because she was not happy about about doing all the work, and everyone else getting the benefit of her hard work, gas expenditures, etc, and called the UM on the floor. The UM wrote up a change, and yanked half of the commissions out from under the AGENT and gave it to the fellow agent to get him 5k'd. The DM and UM get major bonuses when a new agent 5k's which is the basis of why they do this and what is in it for them. She lost her bonus, had to fight almost a month with the corporate office to get her funds returned to her. Never did get her bonus, which was over $1400 that week. By the way, that is how she found out the UM's signature was on the paperwork, cause the UM told her the DM did it and she called corporate. (The UM was eventually terminated for other underhanded and illegal acts.) Another agent on another team had a nice group also, her UM had her using a girl to "HELP" her write it up, (the girl had been terminated for failure to produce) who was using someone else's agent number, because she was currently shut down for failure to produce and owed the company monies for business that had cancelled, so they could get the commmissions and get her back active again. It is a continuous thing at that office. They lie, cheat and steal like crazy. There was ONE gentleman who was a UM with them at that office who appeared to be fairly honest. He actually worked with his people took them to appts, trained them, etc. Didn't ever hear anyone complaining that he had 'cheated" them out of commissions. He is the only UM still there (out of like a total of 5 I saw come and go while I was there.) Two UM's were terminated for cause! They had one UM who was rude, nasty, always making nasty cracks about white people. One girl quit over her because she had gone and eaten some lunch, got food poisoning or something and was in the bathroom throwing up, and this UM was really nasty to her about it. That UM got terminated because she also made cracks about another agent in the office maybe being Gay, etc, and complaints were filed. You do seriously need to take into consideration these issues before deciding to go to work with this company, especially the Daytona BEach office. I consider myself one of the lucky ones, they got me for alot of money, but I have landed on my feet, and so did the 1st girl I was telling you about above. I ended with a company who actually trains their people. The other girl is about to be made a DM with the new company she went to! Perhaps all offices with Liberty national are not like what I experienced, maybe there are a couple good ones out there. But the District Manager and Unit Managers I dealt with at Daytona were really BAD! They are liars and cheats, and do what it takes to make their checks good, but forget about yours, they couldn't care less. Anonymous Daytona, Florida
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#28

NOT a lazy person!

AUTHOR: CallieWize - (USA)

I am a current employee with this company and I have to say that I regret the day I came on board!


First of all, the supporters of this company do not hesitate to offend/insult those with legitimate complaints by calling them lazy, poor sales person, or other negative remark.  Well, I've been in sales for many years and have ALWAYS been a top performer with the awards and commendations to prove it!  After being down-sized due to the current economic trend in this country, I was looking for something great.


After posting a current resume on several sites, I was called the very next day and told that they had seen my resume online and wanted to bring me in for an interview.  I was coming in for a management position!  With my background, I was not surprised.


The first warning sign I observed (but like a fool did not heed) was the "group interview" conducted by the branch manager.  The recruiting speech was awesome and knowing that income claims that can't be backed up are illegal, I fell for it!  Sure there are some folks earning 6-figure pay and the average first year agent in 2008 supposedly made over $60K - but in reality what I've found is the NORMAL income level is MUCH smaller and at the LOWER end of the spectrum.  This is particularly true when - contradictory to what others have commented previously - the greater majority of the folks that I have spoken to do NOT want the "bank budget" draft from their accounts - they feel they lose control of their finances and when they want to cancel they have found problems in getting the drafts stopped.


The next warning sign was when I was literally rushed through the electronic signature process and despite numerous requests (with witnesses) for print-outs of these documents, I have yet to receive them - and that's been over four months ago!  Also, in spite of several requests (again with witnesses) for a copy of my Agent Contract that would spell out my commissions, Production Standards and other very important information I would need - there has been NO copies supplied!


As for training?  Ha - I was given a quick demonstration on how to get in to the online training program and expected to learn from that - then was placed under a Unit Manager who admitted to me and another agent that his training consisted of "being thrown in the fire and learn it the hard way" by his Unit Manager!  Talk about the "blind leading the blind"!!!


Now comes the other twist - for those who talk about "us" being lazy and not willing to do the work?!?!  Mondays consist of "office days" with a morning meeting that lasts from from 1 1/2 - 3 hours - depends upon the amount of BS we're to endure!  Then we break for lunch and come back for the "Call Clinics" - which are two hours of calling companies and doing a "Worksite Survey" so you can make a personal visit and try to sell them on payroll deduction; then two hours of recruiting calls in which you use a script and lie to them saying "your branch manager saw their resume on (specific site printed by their name) and wants to bring you in for an interview" (which is the same lie I fell for since they do NOT look at your resume); and finally two hours or more calling leads in the hopes of setting appointments for individual policy sales.


With Mondays exhausted for this inefficient process, you would expect management would leave you alone to go out and conduct business - but not us!!  We are expected to submit a daily activity report to management - mandatory and nothing more than a micro-managing tool that negatively affects production!  Thursdays are cut in half due to half-day trainings in the office - most of the time nothing more than discussing some of the same material covered on the Monday meetings.


Well, for you name callers, I spent 9 to 12 hours a day and five days a week, burning up my cell phone minutes, burning up $200 or more a week in gas, only to be told by prospects that "with the economy as it is, we just can't afford to make this kind of committment right now" or some other reason.  Of the few policies I could write, it has not been enough in money or quota to make this a viable job - let alone a career!  To add insult to injury, we were recently informed that the company is restructuring its compensation plan and the cuts have inflamed our office - no one is happy with the information passed on.  As if it isn't hard enough to make a buck with this company, now they're planning on taking away even more income potential.


As a college graduate - 4-year degree - and lots of experience in both sales and management, this is the biggest joke of a company I've ever been involved with.  Many business professionals that I've networked with recently - both in and out of the insurance industry - are shocked at what we are experiencing.  With the recent changes coming in compensation and the advice of others - this is one person who won't be wasting any more time, money or sweat on this rip-off company.  If Andy King is the culprit, the stock-holders need to fire his butt and quick - but my advice to anyone considering this company - find another one because EVERYTHING negative I've read on this site has been true to the core and I have yet to see evidence from anyone that proves the positive claims.


You can sign me off as "disgusted and glad to be gone"!!

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#29

Differences in Life

AUTHOR: Andre35 - (USA)

I received recently an email from LNL, and I wanted to research them, which makes me glad that I found this site, with both positive and negative looks at the company and it's standards. I think I've made my own personal choice about them, but that's not why I'm commenting.
I'm sorry that some people feel that because another person isn't making money with the company that they work for that they aren't putting in a full effort. Everyone's life situation is different, while working with this particular company may be good for one person, it may not be for another. There are lots of people who would do great at sales positions, but the many things that go on in their life and the lives of those whom they care for have an effect on how much work they can do. Even if those things don't, that person may just not be meant to work sales, that doesn't mean that they didn't try. They may have worked 3 times as hard as the next person and only got half of the results. There are a lot of variable factors as to why people can and can't be successful with sales, no matter what they are selling.
Personally, if you work for a company and do well with them, and someone bashes them, yes you do have the right to feel a little insulted, but that doesn't give you the right to criticize a person's personal standing in their life. One, because you may just run into that person in life, and two, because you don't know whether or not they may one day be the person you need to help you. The world isn't as big as people may think, and it's getting smaller everyday. I'm not personally attacking anyone, but I am stating that this childish way of thought and action needs to be stopped, be more respectful, you don't know that particular person's whole situation, so don't place judgments on them.
Just like the person said before that they were on the verge of being evicted, if they aren't making money with the company that promised you'd be able to within a certain amount of time and it doesn't happen, taking a 9-5 doesn't look so bad. I really just wanted to make the point that Life is a variable, so don't think that just because your ducks are all in a row at the moment, that they won't fall out of order later on, I'm sure that's happened to everyone who's responded here.
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#30 UPDATE Employee

HARD WORK does pay!

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

I have enjoyed the comments from "ex-employees" of the company. I started in August of '06. Prior to this career move, I owned a business for 6 years, worked 16 hours a day consistantly.

The reason I bring that up is, I believed in what I was doing, these comments have a common thread, LAZY people expecting more than they are willing to put in!

Yes it is true, there are "chargebacks" but what is not mentioned is the chargebacks are tiered down every month after the policy is in force, and after 1 year there is no chargeback!

Yes it is true the company gives the branch managers a bonus for recruiting, what is not said is the branch manager has to split the bonus 50% with unit managers and agents that assist in recruiting.

Yes it is true the company gives the branch a 5k bonus, again what is not mentioned is that bonus too has to be a 50% split...

I have been with Liberty for over a year now, I have worked very hard to get what I have and where I am with the company, with out my "WORK ETHIC" I would not be where I am, with that said, I have not worked a 16 hour day since I sold my business in '06...on average I work 9-11 hours 5 days a week...not bad when you consider my yearly income IS over 6 figures! Oh, and I get to see my family!

Let's analyze...here's an excerpt from a "rip off" report;

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.

1. If you work hard, yes you can make over $100k your first year, I did!

2. If a person sells 7 policies a week with the average policy at $35.00 with an average of just 50% annual commission paid, factoring a 15% decline, and staying on bonus 50% of the time (which is realistic...they would make $82,000 that year. (I took into account the declines, bonus, and first year commissions again with realistic numbers based on the insurance industry)

Here's another exercpt from the same comment...

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.

1. You should not be in sales if you can't help a person to see the value of auto pay...how many people pay there bills this way? Millions of Americans do! If you lost 98% of your commissions, that's because you're not a good salesperson, and let's say that was just a bad week, why did you not go out and find people that had checking accounts? Or are willing to set up their payments auto draft?

AGAIN the thread in all these comments are the same...LAZY, WEAK individuals looking for a forum to complain about their own lack of WORK ETHIC and WILL POWER!

"If you feel you were "ripped off" by the company, when success is up to you, look in the mirror and ask yourself, did I give 100%? If you're honest with yourself, I'd say no!
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#31 UPDATE Employee

HARD WORK does pay!

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

I have enjoyed the comments from "ex-employees" of the company. I started in August of '06. Prior to this career move, I owned a business for 6 years, worked 16 hours a day consistantly.

The reason I bring that up is, I believed in what I was doing, these comments have a common thread, LAZY people expecting more than they are willing to put in!

Yes it is true, there are "chargebacks" but what is not mentioned is the chargebacks are tiered down every month after the policy is in force, and after 1 year there is no chargeback!

Yes it is true the company gives the branch managers a bonus for recruiting, what is not said is the branch manager has to split the bonus 50% with unit managers and agents that assist in recruiting.

Yes it is true the company gives the branch a 5k bonus, again what is not mentioned is that bonus too has to be a 50% split...

I have been with Liberty for over a year now, I have worked very hard to get what I have and where I am with the company, with out my "WORK ETHIC" I would not be where I am, with that said, I have not worked a 16 hour day since I sold my business in '06...on average I work 9-11 hours 5 days a week...not bad when you consider my yearly income IS over 6 figures! Oh, and I get to see my family!

Let's analyze...here's an excerpt from a "rip off" report;

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.

1. If you work hard, yes you can make over $100k your first year, I did!

2. If a person sells 7 policies a week with the average policy at $35.00 with an average of just 50% annual commission paid, factoring a 15% decline, and staying on bonus 50% of the time (which is realistic...they would make $82,000 that year. (I took into account the declines, bonus, and first year commissions again with realistic numbers based on the insurance industry)

Here's another exercpt from the same comment...

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.

1. You should not be in sales if you can't help a person to see the value of auto pay...how many people pay there bills this way? Millions of Americans do! If you lost 98% of your commissions, that's because you're not a good salesperson, and let's say that was just a bad week, why did you not go out and find people that had checking accounts? Or are willing to set up their payments auto draft?

AGAIN the thread in all these comments are the same...LAZY, WEAK individuals looking for a forum to complain about their own lack of WORK ETHIC and WILL POWER!

"If you feel you were "ripped off" by the company, when success is up to you, look in the mirror and ask yourself, did I give 100%? If you're honest with yourself, I'd say no!
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#32 UPDATE Employee

HARD WORK does pay!

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

I have enjoyed the comments from "ex-employees" of the company. I started in August of '06. Prior to this career move, I owned a business for 6 years, worked 16 hours a day consistantly.

The reason I bring that up is, I believed in what I was doing, these comments have a common thread, LAZY people expecting more than they are willing to put in!

Yes it is true, there are "chargebacks" but what is not mentioned is the chargebacks are tiered down every month after the policy is in force, and after 1 year there is no chargeback!

Yes it is true the company gives the branch managers a bonus for recruiting, what is not said is the branch manager has to split the bonus 50% with unit managers and agents that assist in recruiting.

Yes it is true the company gives the branch a 5k bonus, again what is not mentioned is that bonus too has to be a 50% split...

I have been with Liberty for over a year now, I have worked very hard to get what I have and where I am with the company, with out my "WORK ETHIC" I would not be where I am, with that said, I have not worked a 16 hour day since I sold my business in '06...on average I work 9-11 hours 5 days a week...not bad when you consider my yearly income IS over 6 figures! Oh, and I get to see my family!

Let's analyze...here's an excerpt from a "rip off" report;

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.

1. If you work hard, yes you can make over $100k your first year, I did!

2. If a person sells 7 policies a week with the average policy at $35.00 with an average of just 50% annual commission paid, factoring a 15% decline, and staying on bonus 50% of the time (which is realistic...they would make $82,000 that year. (I took into account the declines, bonus, and first year commissions again with realistic numbers based on the insurance industry)

Here's another exercpt from the same comment...

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.

1. You should not be in sales if you can't help a person to see the value of auto pay...how many people pay there bills this way? Millions of Americans do! If you lost 98% of your commissions, that's because you're not a good salesperson, and let's say that was just a bad week, why did you not go out and find people that had checking accounts? Or are willing to set up their payments auto draft?

AGAIN the thread in all these comments are the same...LAZY, WEAK individuals looking for a forum to complain about their own lack of WORK ETHIC and WILL POWER!

"If you feel you were "ripped off" by the company, when success is up to you, look in the mirror and ask yourself, did I give 100%? If you're honest with yourself, I'd say no!
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#33 UPDATE Employee

HARD WORK does pay!

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

I have enjoyed the comments from "ex-employees" of the company. I started in August of '06. Prior to this career move, I owned a business for 6 years, worked 16 hours a day consistantly.

The reason I bring that up is, I believed in what I was doing, these comments have a common thread, LAZY people expecting more than they are willing to put in!

Yes it is true, there are "chargebacks" but what is not mentioned is the chargebacks are tiered down every month after the policy is in force, and after 1 year there is no chargeback!

Yes it is true the company gives the branch managers a bonus for recruiting, what is not said is the branch manager has to split the bonus 50% with unit managers and agents that assist in recruiting.

Yes it is true the company gives the branch a 5k bonus, again what is not mentioned is that bonus too has to be a 50% split...

I have been with Liberty for over a year now, I have worked very hard to get what I have and where I am with the company, with out my "WORK ETHIC" I would not be where I am, with that said, I have not worked a 16 hour day since I sold my business in '06...on average I work 9-11 hours 5 days a week...not bad when you consider my yearly income IS over 6 figures! Oh, and I get to see my family!

Let's analyze...here's an excerpt from a "rip off" report;

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.

1. If you work hard, yes you can make over $100k your first year, I did!

2. If a person sells 7 policies a week with the average policy at $35.00 with an average of just 50% annual commission paid, factoring a 15% decline, and staying on bonus 50% of the time (which is realistic...they would make $82,000 that year. (I took into account the declines, bonus, and first year commissions again with realistic numbers based on the insurance industry)

Here's another exercpt from the same comment...

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.

1. You should not be in sales if you can't help a person to see the value of auto pay...how many people pay there bills this way? Millions of Americans do! If you lost 98% of your commissions, that's because you're not a good salesperson, and let's say that was just a bad week, why did you not go out and find people that had checking accounts? Or are willing to set up their payments auto draft?

AGAIN the thread in all these comments are the same...LAZY, WEAK individuals looking for a forum to complain about their own lack of WORK ETHIC and WILL POWER!

"If you feel you were "ripped off" by the company, when success is up to you, look in the mirror and ask yourself, did I give 100%? If you're honest with yourself, I'd say no!
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#34 Consumer Comment

just getting started

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

I see an even amount of good and bads about this company. I myself am new to the insurance business. But i am not new to working hard.I am studing to get my license. liberty national seems to be a good company. the bad thing is that the people getting mad only stay for about a month they see no results so they leave. thats why they have no money and always broke. hey guys you want to know a secret. THE PRICE OF EXCELLENCE IS DISCIPLINE. some people will say i dont have time to wait i have bills to pay. Well those bills will always be there and you WILL BE WORKING FOR A WAGE NOT A PROFIT. What i mean by that is if you go back to the punch in punch out 9 to 5 and work hard at your job you will make a WAGE. but if you work hard on your self you can make a PROFIT. You can ask anyone that is successful that a WAGE makes a living but a PROFIT makes you a FORTUNE.
So the basic math tells you that PROFITS are better than WAGES. all im saying folks is that i am getting into insurance because there is no cap on my income the only thing that can stop me is me. there is no reason to say I LIVE IN AMERICA AND IM BROKE. If you want more become more it's self explanatory. Results is the name of the game. My income is related to my philosophy (persuit of success) not the economy.
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#35 UPDATE Employee

Inside LibNat

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

In response to "some people just can't ahck it" I have to ask how you made those sales to get your paycheck fugures. My first 8 weeks were great and I got paid pretty much the same, but then they "promoted" me to Unit Manager and it all started to colapse. Firstly as a UM you earn no bonuses on your own business and the Branch Manager will invariably tell you that it is now your job to "Give" the business to the new recruits who you are now in charge of, you are also tols to get them to $5000 in "Issued business" and get the ones who are not licensed, licensed as this ensures the branch manager a bonus which he may or may not split with you.

I was bought into libnat by a friend who had been with them for over 10 years and was doing OK, they told their biggest year ever was $88,000 and they had to work for it, they have several big payroll accounts and plenty of clients that gives them a renewal each year but they still haven't cracked $90K let alone $100K in a year. Yes there are those that do it but they are few and far between.

Our office has not got one person who was recruited last year still working for them, the last one left in May after being made to hand over a $300/month piece of business so the managers could get a girl to her $5K as she was already licensed. How much of their bonus do you think he saw? and his manager promised him he would replace the $300 policy but still no return on it yet.One of my team members would call me in tears every Saturday after accessing their paystatement online to see they were being paid $20 - $30 /week at the best, this happened because their business was being "Denied or Cancelled", we never found out which, one of the policies was theirs and they never heard why but magically two weeks later the policy showed up in our office for delivery, and they weren't re-imbursed the pay and bonus that was taken off them, this is just one of many I could tell you about and this is why new agents don't stick.

As for the ones earning fast and furious, you will be coaxed into a Unit Manager position after attending one of the quarterly meetings they make you go to after you have hit your $5K (or is it $7500 now? ) just remember you will not be on bonuses for your own business anymore and you will be charged back for all the business your team writes that falls of after they leave, as they will do. your commission account will be paying you the "guarantee" the company gives you for being a UM so your savings will be depleted if your team does not step up and produce.

My experience with this outfit started off very well only to suffer after being promoted, the managers mantra is "get them to $5K, get them licensed and then leave them to it" you will be helped as a new recruit but watch out when you get to $5k issued business. Also if you have a large bank account this is for you, they are more interested with finding new "Worksite" accounts than the individual client so there are no leads for anything but Worksites which you are expected to drive around all day to find that golden egg, so watch your gas bill increase and your bank account decrease in proportion.

If you go to work for these guys give yourself a timeframe before you get out and go to work for a company that gives honest pay for the work you do, otherwise you will be VERY broke with a large bill over your head. I'm out at the end of this week after my last policy has been delivered and paid for
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#36 Consumer Comment

Almost roped in

AUTHOR: Buffy36 - (U.S.A.)

I am a single mom looking for a job and I was almost roped in by this company, I cannot take a hit to my finances that are already strapped! I am writing to thank you for your report along with others to warn us out there about this and other scams. Thank god I decided to google the company and these reports came up first!
Thanks again
Jeanne in Milford ohio
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#37 Consumer Comment

Almost roped in

AUTHOR: Buffy36 - (U.S.A.)

I am a single mom looking for a job and I was almost roped in by this company, I cannot take a hit to my finances that are already strapped! I am writing to thank you for your report along with others to warn us out there about this and other scams. Thank god I decided to google the company and these reports came up first!
Thanks again
Jeanne in Milford ohio
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#38 Consumer Comment

Almost roped in

AUTHOR: Buffy36 - (U.S.A.)

I am a single mom looking for a job and I was almost roped in by this company, I cannot take a hit to my finances that are already strapped! I am writing to thank you for your report along with others to warn us out there about this and other scams. Thank god I decided to google the company and these reports came up first!
Thanks again
Jeanne in Milford ohio
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#39 Consumer Comment

Almost roped in

AUTHOR: Buffy36 - (U.S.A.)

I am a single mom looking for a job and I was almost roped in by this company, I cannot take a hit to my finances that are already strapped! I am writing to thank you for your report along with others to warn us out there about this and other scams. Thank god I decided to google the company and these reports came up first!
Thanks again
Jeanne in Milford ohio
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#40 UPDATE Employee

Some People Just Can't Hack It

AUTHOR: Bank Of Soperton Account Holder - (U.S.A.)

I've been in sales since I was old enough to work. I've sold cars, advertising, printing and others. I've made more money in the five weeks that I've been with Liberty National than I've ever made selling anything else.

Paychecks..

1. 989
2. 1614
3. 1646
4. 2091
5. 2522

Those are my first 5 paychecks and next week I have a bonus check over 1600.00 not including the amount I will get for my commission account payment and commissions for this week.

The opportunity is there but you must be willing to WORK.

Some people have the intestinal fortitude to get off their lazy butts and make something happen - some people don't.

All you have to do in this business to be successful is contact people in person - smile and let them know what you do for a living. Just ask a simple question - "Does your family have enough coverage?"

I guarantee if you contact 30 people like that in person everyday, you'll make a sale every day.

It's not hard - just smile and help people with their needs. Learn to IGNORE NEGATIVE PEOPLE because 99.999999% of NEGATIVE PEOPLE are negative because they FAILED to do the basics.

Statesboro branch.
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#41 UPDATE Employee

Liberty National Wiped Me Out, And They Will Wipe You Out Too!!!!!!!!!

AUTHOR: Tricked And About Homeless - (U.S.A.)

I have to agree with any former agent of Liberty National Life Insurance Company. I was new to the Insurance Industry (newly licensed), when I went to a "seminar" of Liberty Nationa Life Insurance Company. The presentation was awesome, and made me feel that I was getting with a company that was really going to benefit me, with all the talk of promotion, unlimited income, and professionalism. I should have known something was off when the majority of the participants there weren't even dressed professionally, and the Regional Manager giving the presentation didn't seem to have a problem with it! Now, I kick myself EVERYDAY for choosing this company to work for. Since joining LIBNAT, I am behind on every bill that is necessary to live. As a matter of fact, my family and I are on the verge of being EVICTED from our home, utilities are about to be disconnected, and I have just applied for Food Stamps. Some "career" I chose. About 85% of the staff that worked at the branch office I worked at have since quit.

Let's discuss the training; one day!!! I was discussed that it would be up to me to complete the online training modules in order to learn about the product, but when I would ask questions of my Unit Manager, she didn't know them herself. To this day, I still don't know much about the products that we are suppose to professionally sell to consumers. Since I am one of a handfull of agents at this particular branch that have a PL, they have really been pushing the 5k standared so that they can promote me to a UM. I feel so used and stupid!!! One morning before the start of our required weekly meeting, some of the other agents were discussing their pay from the previous week, and I almost fell out of my chair when one agent stated that they had only made $21.00 for the entire week, while another only made $50.00!!! And these were some of the "heavy hitters".

It saddens me to know that I passed up three reputable companies (that advertise) to work for LIBNAT; Companies that offered to reimburse me for all of my fees that I paid out of pocket for my classes, exams, and license. The fact that I, as a licensed Insurance Producer, have to apply for Food Stamps and are now wondering where my family and I will live if we get evicted should say it all.

For the so called agents that back up LIBNAT; SHAME ON YOU!!!!!! I went out each and everyday busting my butt to get sales, and gained nothing but a mountain of debt, so I'm not one of the "lazy" ones. Making a six-figure income the first year? Not with this company, unless you're preying on the elderly. But I will say that I have learned to REALLY research a company BEFORE you accept their terms of employment. I looked LIBNAT up in the BBB before I accepted employment, but it had nothing negative to report. I wish that I would have seen this website first, because it would have saved me a lot of debt, time, and heartache.
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#42 UPDATE EX-employee responds

Our office was worse with fees, etc. Glad I got out too!

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

You were lucky to have only been charged $1 per ommission/mistake. The office I was in charged $10. And you actually got a 2 week crash course? I got about a 3 hour crash course; unless you count the group interview. The group interview, if you can call it that, was not an interview at all! It was a glorified advertisement for the company, lasting almost 3 hours. I was the only one of our group to actually take the position.

I lasted all of 4 weeks before my husband and I decided we couldn't afford to pay the company for the "privelege" of working for them. I won't fall for it again and hope no one reading these reports will either.

Disgruntled in SC
USA
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#43 UPDATE Employee

This is 100% B.S. - Please read and make up your own mind.

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

I am a current employee of Liberty National Life Insurance Company. After reading this report my head was ready to explode in frustration. The pay structure/commissions that are paid out in every state are mandated and approved by the state's Insurance Departments (if there is one). To say that you made 6 sales in one week and made $36 dollars is either 100% a lie or you were signing people up for insurance in a very negative way (reflecting on your character). I can see why people cancelled on you. If you present a product one way and then change the guidlines or requirments of that product later --- in a customer's eyes, you lied. I would cancel on you also. I have been selling products of LNL for 6 months now and my income has dramatically increased. Every new agent is given a contract (with the commission's spelled out in 5th grade math). It is not the companies fault that you're an idiot that cannot add and subtract. My co-worker made $11000.00 (yes - eleven thousand dollars) in November alone. Making $100,000 dollars in the first year is possible. I see it happening everyday in my office as well as many many many others. Take these documented facts with you as you look for a career. Sept 2007 to Sept 2008 Liberty National Life sales have increased by over 60% (in today's economy)- that means the agents are making massive amounts of commissions & bonuses. I hope this opened your eyes a little bit.

Best Wishes -

Chris , FL
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#44 UPDATE EX-employee responds

Liberty National used to be a great company to work for.

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

Since May of '06 LNL is a different company. It's new management has created a dog eat dog situation where branch offices in nearby and far-off cities are competing against each other for business and recruitment. This dog eat dog attitude goes all the way down the line, where branch managers, unit managers, and agents don't respect each other's feelings or areas.

The few branch offices which are succeeding are ignoring or exempt from h*o dictates.

Used to be a great feeling to work for a united, tough little company, nowadays it's like a wild west gunslinger attitude with everybody gunning for everybody else. New agents are barely if all being trained, turnover has sky-rocketed, and the results are abysmal.

Sales are down 29% since the new style was imposed, even though agent count is up. For most enlightened corporations that would be enough to change management. Torchmark, (TMK the holding company owning it) apparently can't read reports or is unwilling to admit it was wrong. I predict LNL will be spun-off so TMK management won't have to bother with fixing their mistake or admit it.

Until upper management is changed, it's not a place of business I'd consider going back to.
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#45 UPDATE Employee

TRUTH

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

I want to briefly relate the TRUTH of Liberty National and why you are incorrect.
Liberty National pays upon submittion, yes... However it pays advances (you are paid on the premise of the client paying annually), therefore if the client only pays for one month, i.e. 25.00 sale and you recieve 120.00, Liberty National has paid you an advance. There is absolutely no deception here...It is outlined in your Guide to Growth. Did you read this? It is available to all agents...yes, all agents.

The statement about making 7 - 8 sales a week is true. I have to ask, however, did you make those sales on immediate family?? As you would know, immediate family does not pay advance commission simply because people could commit fraud and rip off the insurance company by writing insuranse on their family, getting paid more than was collected, and leaving the company, while the family never intended to pay for their insurance. I might add that they must have this in force to ensure stability for their clients in the future. If we gave you money you were to "run off with" then we would be doing an injustice to our clients.

Training at Liberty National is indepth and personal. Unfortunitely, on your defense, if you recieved a cheap 2 week training you were with a poor manager and should have reported such to higher management. We strive to ensure proper training of every agent. The time it takes depends on the individual. If they are sharp and knowledgable in sales and insurance, they might start on their own in a week or two. On the contrary, if the individual is educated in a different field and/or slow at the learning experience, the time spent with them can vary. I will declare that after 4 months, if an individual can not perceive the concept, they are not compatible with Liberty National.

In regards to spending more on gas then you made...That was poor planning. We do travel and visit locations other than an office. It is encouraged to spend your time wisely and allocate a day in a specific zip code, therefore saving gas and time.

You mentioned payroll deduction...There are branches dedicated to payroll. If you made it to the seminar, thus producing minimal qualifications and standards, you would have met the experts, of whom welcome training and support from any branch.

Again with regards to chargebacks, you are paid advanced monies. There are other insurance companies that do not do this, and instead pay you as the monthly premium is made. We pay up front so that you have more money. The only time this is a problem is when an agent writes business on a client with no intent to continue to pay. Personally, I have had many clients that did not pay, for whatever reason. The difference here is that I continued to do my job and the so called "chargebacks" never affected me. As you know that money came out of my commission account that was built up for my protection by Liberty National.

Please understand that I am replying because I admire the company for which you state your claim to. Liberty National is the first and only company I have so far engaged to meet and excel in commissions, benefits, rewards, retirement and integrity.

Sincerely,

Atlanta

P.S. The greatest reward is found in a client getting their claim paid quickly...which is why we have insurance in the first place.
I love my job and the company that loves me.
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#46 Consumer Comment

I say Thank You As Well!!!!

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

I live in Birmingham, and have received repeated phone calls from Liberty National. I am not interested in sales, because I cannot sell a furnace to a frozen Eskimo.

I had thought about calling them, as perhaps they WERE looking for office help versus an agent. There is nothing in my resume that would indicate "sales" at all, and seeing as it goes back 20+ years, well, kind of doubt I'm looking to make that major of a career change.

In any event, very glad I spared myself the trouble of even talking to one of the several people who called, and thanks to your report, I have no concerns that I might be passing up an opportunity worth looking into.
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#47 Consumer Comment

thanks for your report

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

Liberty National has sent me numerous emails. I checked them out and asked what the catches were and what employees complained about most. I didn't get any real answers.

Your post gives me specific information that I can take to Liberty National. Thanks for taking the time to write your report
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