• Report: #303517

Complaint Review: Liberty National Life Insurance Company

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  • Submitted: Sat, January 26, 2008
  • Updated: Wed, October 24, 2012

  • Reported By:Anywhere Georgia
Liberty National Life Insurance Company
2001 Third Ave. 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 Employee: Totally Agree, I am so in debt

*UPDATE Employee: Totally Agree, I am so in debt

*UPDATE Employee: Totally Agree, I am so in debt

*UPDATE Employee: Totally Agree, I am so in debt

*UPDATE EX-employee responds: Andy King

*UPDATE EX-employee responds: Andy King

*UPDATE EX-employee responds: Andy King

*UPDATE EX-employee responds: I drank the Koolaide

*UPDATE Employee: Response

*UPDATE Employee: Its not for all...

*UPDATE EX-employee responds: So TRUE! SO TRUE!!!

*UPDATE EX-employee responds: It's like one of my friends said

*UPDATE EX-employee responds: It's like one of my friends said

*UPDATE EX-employee responds: It's like one of my friends said

*UPDATE EX-employee responds: It's like one of my friends said

*UPDATE Employee: Please read this if you want the truth

*UPDATE Employee: Don't drink the coolaid!!

*Author of original report: Respond by asking simple questions.....

*Consumer Comment: How to Respond?

*Consumer Comment: Liberty National

*UPDATE Employee: Sometimes wishing for it was a pyramid scheme

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Ripoff Report REVIEW:

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

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

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

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

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

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

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

Read about Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program,.. A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business. this program works.

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

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

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

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

Liberty National Life Insurance Company is a Pyramid Scheme Birmingham Alabama

Anyone considering a career with Liberty National Life Insurance Company beware: Liberty National is a pyramid scheme. I'll summarize how it works. Liberty's business model is divided into 2 parts: 1A (recruiting), and 1B (production).

Recruiting is an endless process at Liberty. Hiring goals are 10 new recruits per branch per week. Each branch generally holds a monthly recruiting seminar. This is nothing more than a cattle call. Liberty will hire anyone, regardless of experience, without a felony on his or her record for a career as a professional in the insurance industry. Liberty claims to hire for management (no experience necessary) while omitting the fact that the recruit will begin as a salesman, and will still make sales even after promotion to a management position.

Production is Liberty's process of getting new recruits to make money for the company. Emphasis is placed on recruits who have obtained a Permanent Insurance License (PLs) from their state. The goal is to get these PLs sales to $5,000 in annualized premiums (5Ks). Bonuses are paid to branches based on PLs and 5Ks, to be distributed as the Branch Manager sees fit (which may be in his/her own pocket). Once a recruit is a PL and a 5K, he/she may be offered a position as a Unit Manager.

The Unit Manager is now responsible to recruit more individuals for his/her group or unit, work with any s and 5Ks in his/her group, and constantly get new recruits to become producing agents (PAs). There are of course standards for the number of PLs, 5Ks, and PAs each Branch Manager, and Unit Manager must have, and that's where the fun begins.

Liberty National promises prospective employees everything under the sun: six-figure incomes, advancement opportunities, bonuses, trips to fun and exotic places, a proven marketing strategy, an in-depth training system, and more leads than we have agents to work them.

The six-figure income is not a complete lie; it's just unrealistic. Liberty has an activity model, which states that if the agent will make 240 contacts per week, he/she will be able to schedule 24 appointments, hold 15 sit down interviews and thus yield 5 sales per week.

Mondays, and Wednesdays are designated training days where the agent will spend his morning at the branch office being trained (more in a moment) and work the phones after lunch calling 120 contacts each of the two training days to set appointments. According to this activity model an agent will earn a $100,000+, and the agent will, if the average sale is $616. How do you get 240 contacts per week? That's for you as an agent to figure out. Once you do figure that out, don't worry about your inexperience in sales because you'll hear every Monday and Wednesday how you can (because you're good enough, you're smart enough, and people like you) make those 5 sales per week.

Now the only thing standing between you and that six figure income is the fact that Libertys average sale is about $380.

The company promises a fast-track to management program to recruits. Just show us you're serious by signing up on License2Go for your state insurance exam, your testing, and your licensing fees. Of course, you're only serious after you've spent $300 - $500 on these fees. If you want to get started without a permanent license, you can pay for a temporary license until you can complete the permanent licensing requirements. You won't, however, be a priority until you are a PL.

As a PL your Unit Manager and Branch Manager will bend over backwards to get you to 5K so you can have a title too! If you fail to become a PL, or decline a promotion to Unit Manager you will be ignored (aka forget about receiving leads) for the rest of your career which will likely be very short.

The proven marketing strategy consists of you talking ad naseum to your family and friends and almost anyone else you meet about your career, Liberty National, and insurance in general. This goes over really well at Thanksgiving dinner, and you'll be the life of every party you go to. No, really.trust me.

Besides that, AFLAC, State Farm, Allstate, American General, Prudential, and the laundry list of other insurers who ADVERTISE are wasting their money because brand recognition is not important. No, really.trust Liberty National.

Libertys training program sets new standards in any industry. Every Monday and Wednesday morning, you will learn how make a presentation for Liberty National's cancer policy. You may not know the difference between term and whole life insurance, but by-god you will know how to read a cancer policy brochure to a prospective customer. If the customer has questions on any of Liberty National's other products tell them you'll get back to them, and remind them that you are an insurance professional.

Once you've followed these instructions and sold all the insurance you possibly can to family, and friends you may be rewarded with leads so that you can finally realize the income you've been told about. Many of these leads don't have phone numbers for you to call and set appointments, but you are encouraged to visit leads face to face.

After you've spent a week of evenings catching up with these leads (who haven't moved, or never had interest in seeing an agent, or aren't deceased) and spent as much as $100 - $200 in gas and other travel expenses, you can take the $200 - $300 you've earned in commissions to the bank. That 4 6 years you spent at college is really paying off for you now.

Liberty's management will dismiss much of the above out of hand simply by saying that Liberty National is a 107-year-old company, and therefore is legitimate. I used to respect Liberty National as being a great company. However, in a misguided move Andy King was named president in 2006, and he and his team of executives have installed the 1A, and 1B business models described above. They have essentially traded long-term stability for a temporary boost in sales, and Liberty National may not make it another 107 weeks if this system is left in place. New people will be constantly recruited to make sales to family and friends, sending income up the pyramid, and then tossed aside when their natural market has been exhausted in favor of a new group of recruits to exploit.

Those who stick it out will be told by their superiors that they are not working hard enough, and that's why they fail to make the income they were sold on. Agents may even be told to prospect (solicit) at malls, Wal-Mart, or even church! After all, that's the professional thing to do.

I don't know about anyone else, but when I need an attorney, accountant, or a doctor I go to aisle 7 at Wal-Mart.

Just remember, when you fail, and are in debt for doing your job at Liberty National, it is YOUR FAULT, for NOT WORKING HARD ENOUGH! You were not misled, exploited, or outright lied to! Never forget that it's YOUR FAULT!

Upper management at Liberty National has taken a once reputable company and turned it into a pyramid scheme. Any prospective employee or consumer should avoid Liberty in its present form at all costs.

Helpful links:
(((ROR REDACTED)))

Anonymous
Anywhere, Georgia
U.S.A.

CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.

This report was posted on Ripoff Report on 01/26/2008 03:10 AM 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-303517. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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

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#1 UPDATE Employee

Totally Agree, I am so in debt

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

I came aboard under the same pretenses that we would make 6 figure salaries. I was hired in a seminar fashion where we all filled out paperwork after listening to the VP tell us how much money he made with the company. All we had to do was get licensed and we would have a job. Well the course was ridiculous and I ended up spending more money on another course to ensure I would pass the exam.

I have been working there for some time now and in the beginning it was fine. Made decent money but now the charge backs are killing me! I make my calls and go into business. Sometimes I make an appointment and they cancel after fully reading the policy or doing their research. We are 'trained' on the policies and ways to sell them. We are given 'examples' of how the policies work which I have discovered are absolute lies. Read the fine print on the policies. Some do more harm than good. The surgical benefit is a joke. I have a conscience and I can not in good faith say that this is a good product.

I feel really stupid that I fell for this pyramid scheme. The only thing good that came out of it is that I have a license now and hopefully can get a job elsewhere. Provided having worked at United American / Liberty National has not tarnished my name. For now I am working two other jobs to catch up on my bills that I am so far behind on now.
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#2 UPDATE Employee

Totally Agree, I am so in debt

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

I came aboard under the same pretenses that we would make 6 figure salaries. I was hired in a seminar fashion where we all filled out paperwork after listening to the VP tell us how much money he made with the company. All we had to do was get licensed and we would have a job. Well the course was ridiculous and I ended up spending more money on another course to ensure I would pass the exam.

I have been working there for some time now and in the beginning it was fine. Made decent money but now the charge backs are killing me! I make my calls and go into business. Sometimes I make an appointment and they cancel after fully reading the policy or doing their research. We are 'trained' on the policies and ways to sell them. We are given 'examples' of how the policies work which I have discovered are absolute lies. Read the fine print on the policies. Some do more harm than good. The surgical benefit is a joke. I have a conscience and I can not in good faith say that this is a good product.

I feel really stupid that I fell for this pyramid scheme. The only thing good that came out of it is that I have a license now and hopefully can get a job elsewhere. Provided having worked at United American / Liberty National has not tarnished my name. For now I am working two other jobs to catch up on my bills that I am so far behind on now.
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#3 UPDATE Employee

Totally Agree, I am so in debt

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

I came aboard under the same pretenses that we would make 6 figure salaries. I was hired in a seminar fashion where we all filled out paperwork after listening to the VP tell us how much money he made with the company. All we had to do was get licensed and we would have a job. Well the course was ridiculous and I ended up spending more money on another course to ensure I would pass the exam.

I have been working there for some time now and in the beginning it was fine. Made decent money but now the charge backs are killing me! I make my calls and go into business. Sometimes I make an appointment and they cancel after fully reading the policy or doing their research. We are 'trained' on the policies and ways to sell them. We are given 'examples' of how the policies work which I have discovered are absolute lies. Read the fine print on the policies. Some do more harm than good. The surgical benefit is a joke. I have a conscience and I can not in good faith say that this is a good product.

I feel really stupid that I fell for this pyramid scheme. The only thing good that came out of it is that I have a license now and hopefully can get a job elsewhere. Provided having worked at United American / Liberty National has not tarnished my name. For now I am working two other jobs to catch up on my bills that I am so far behind on now.
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#4 UPDATE Employee

Totally Agree, I am so in debt

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

I came aboard under the same pretenses that we would make 6 figure salaries. I was hired in a seminar fashion where we all filled out paperwork after listening to the VP tell us how much money he made with the company. All we had to do was get licensed and we would have a job. Well the course was ridiculous and I ended up spending more money on another course to ensure I would pass the exam.

I have been working there for some time now and in the beginning it was fine. Made decent money but now the charge backs are killing me! I make my calls and go into business. Sometimes I make an appointment and they cancel after fully reading the policy or doing their research. We are 'trained' on the policies and ways to sell them. We are given 'examples' of how the policies work which I have discovered are absolute lies. Read the fine print on the policies. Some do more harm than good. The surgical benefit is a joke. I have a conscience and I can not in good faith say that this is a good product.

I feel really stupid that I fell for this pyramid scheme. The only thing good that came out of it is that I have a license now and hopefully can get a job elsewhere. Provided having worked at United American / Liberty National has not tarnished my name. For now I am working two other jobs to catch up on my bills that I am so far behind on now.
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#5 UPDATE EX-employee responds

Andy King

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

I have been in the insurance business for about 16 years.I'm pretty good at my job. I worked for Liberty National for about 4 months. Only a few make it a year! My staff mger left the company not long after I did. When he got a job with another company he called me, and hired me.He is now my staff mger with this company. Liberty National used to be such a good company to work for. All the good agents that could retire, did. I heard that Andy King travels with a body guard and a lawyer. Why is that?????? I hope he sleeps good at night!!
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#6 UPDATE EX-employee responds

Andy King

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

I have been in the insurance business for about 16 years.I'm pretty good at my job. I worked for Liberty National for about 4 months. Only a few make it a year! My staff mger left the company not long after I did. When he got a job with another company he called me, and hired me.He is now my staff mger with this company. Liberty National used to be such a good company to work for. All the good agents that could retire, did. I heard that Andy King travels with a body guard and a lawyer. Why is that?????? I hope he sleeps good at night!!
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#7 UPDATE EX-employee responds

Andy King

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

I have been in the insurance business for about 16 years.I'm pretty good at my job. I worked for Liberty National for about 4 months. Only a few make it a year! My staff mger left the company not long after I did. When he got a job with another company he called me, and hired me.He is now my staff mger with this company. Liberty National used to be such a good company to work for. All the good agents that could retire, did. I heard that Andy King travels with a body guard and a lawyer. Why is that?????? I hope he sleeps good at night!!
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#8 UPDATE EX-employee responds

I drank the Koolaide

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

I am a former employee of LNL. I too drank the King Koolaide. I was with the company when he was there the first time and remember him being a go getter so when he came back I was hopeful that he could turn our company around. He turned it around alright. Just the wrong direction. I can admit he is a great motivator and speaker but the man has NO people skills what so ever.

Many things that these people have written about promises of the company were actually obtainable if they worked 18 hr days, 7 days a week. I don't think most people have that kind of time to spend begging for a sale. There are several agents who do make enormous pay days but there are many, many more that only scrape by and if truth be known should have never been hired in the first place.

I loved LNL, and I still have a soft spot in my heart for them but they (upper management) have run this long beloved company into the ground. I feel for the agents that are truly trying to make a living and I feel for the HO employees that are loosing their jobs because of the transfer of jobs to Texas.

How I wish the company had remained under the domain of the Sanford family. Talk about the good ole days.
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#9 UPDATE Employee

Response

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

In previous responses. I am not from HO and not lower or mid management.

I am still working diligently with our clients and new hires to ensure a satisfactory experience.

Our objective is 100K annual for diligent agents and managers. However, if this is nothing you feel you could ever do and know you do not want to even interview, then please, let us know. If you are unsure, then I would encourage you to come to an interview and learn. I am not here to collect your money for a membership fee; in fact I am paid when my agents and managers are paid...

However, if you would like to pay a fee, I accept donations to the Breast Cancer Research or AIDS WALK. Joking on fee base, yes... If you need a cause, please check these 2 out.

Best regards,

T
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#10 UPDATE Employee

Its not for all...

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

I have read, yet again, responses to the rip off report.
While I believe in freedom of speech, I also believe in freedom of belief.
It bothers me that some were not trained as though they should have been. The training issue is isolated, and unfortunately cannot be reconciled from that incident.

I am still an advocate for Liberty. I recently received my first retirement statement. I was confused, thinking this belonged to another. No, this was mine...They really did match me. I now am set for a decent down payment for my home. While it is no ones business, this home is 487,000. I would never have dreamed of owning anything near that value.
For those checking this out before you move....... I WILL NOT try to persuade you. If you have faith, move with your faith...maybe this is not where you are to be. For those weighing your options, remember, no one, not me or any other person posting on this site, pays your bills. YOU have to make your decision.
I am only replying to stand up for the TRUTH and what I KNOW, is factual.
Again, I love Liberty National....and truly it's not only for the income alone, but when I see our clients, (whether policy holders for 60 years or 6 months) get the claims paid and then they can live on.....Even after tragedy, I feel a satisfaction that I truly made a difference!
I would only ask any potential recruit 2 questions?????
1. Do you enjoy helping people and making their lives easier, even though tragedy?
2. Are you willing to listen and do what I ask to make 6 figures a year??
YOU MAY DOWNPLAY MY STATEMENT, AS YOU HAVE THE RIGHT TO DO... But I will suggest, you research and interview with the alternate companies in the industry. ALSO, educate yourselves!!!!!! You may be surprised to find 68 million have no life insurance!! One more thing....It's all good if this isn't the industry for you. For it is not for most. Don't be angry, but instead be educated and prosper in your TRUE field.
(Complaining about the licensing fee..... WOW. I spend $26,000 on my degree and when all was said and done after a 4.0, nothing was guaranteed but a $21,000 year semi-guarantee ((yeah...job??!!)

Speak your mind here. Please. You are, after all, an American.
I, am just as you, opinionated and have the freedom to SPEAK!!!

For you, those that know nothing, other than you were contacted because you posted your resume.....Think, schedule, research and ultimately inform yourself, for you will have to answer for your actions in life....This is for you, this is not for you??!!! It really doesn't matter, but as a believer in high truths and faith, LISTEN.
Be careful not to follow, as sheep, other persons opinions....yes, I mean mine too...Listen to the truth in your life, however that may be and LIVE.

One addition on recruiting. Yes I see many different resumes, from nurses to construction workers. I believe in giving chances to those that want a change. Those that can not handle our industry don't show anyway, and don't have the courtesy to cancel, prove they can't be trusted with our customers. So in the end, I am okay with a LPN, 20 Years experience (example), no insurance background. THE DESIRE TO LEARN AND MAKE A BETTER LIFE FOR THEIR FAMILY AND PROTECT THE LIVES OF THEIR CLIENTS.This is what I look for!!!!!!

Good Luck.

No hard feelings, but please educate yourselves. Its not my word, nor theirs, but the words of knowledge, education, research and an open mind to guide you through your success.
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#11 UPDATE EX-employee responds

So TRUE! SO TRUE!!!

AUTHOR: Blindsided & Hurt! - (U.S.A.)

I love your synopsis of life at LibNat... also the same at UA (United American).
I was with UA for almost 6 years... however, they did not start out this way. The W.I.G. (Wildly Important Goals) 1A & 1B you spoke of... were newly introduced to the company by Andy King. This is when my career path with UA took an unexpected turn! Not to mention the other terrible things that happened to me and my branch office!
I am still in the insurance industry, and will remain for many years as the financial and emotional rewards are great! I love helping people; clients, new agents.. whomever, but I represent major medical carriers... make sales from the comfort of my home or office via web-conferencing software, and do not have to push one sub-par company down someones throat! What a refreshing feeling!!! Oh yeah, nor do I have to put on that song & dance during our monthly recruiting cattle calls...

I wish I had gotten out of that company before my debt reached the level it is now! I'm sorry to hear that you had the same experience. Just know that REAL companies are not like that! The industry is really a great one.

I hope you have found a good home for your career hat to rest~

Best wishes to you, my fellow Georgia sales agent!

Me
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#12 UPDATE EX-employee responds

It's like one of my friends said

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

If people were actually making $100,000+ a year, they wouldn't be advertising to recruit everyone everyday in the paper. I've seen a woman come into the recruiting presentation with a t-shirt and no bra! They still tried to recruit her!

I did work for Liberty National. Let me tell you one thing. There is definitely no BMW's, Mercedes, or any any other luxury cars in the parking lot. It's more like 1990 Ford Taurus'.

The pyramid scheme is that they need to get a certain number of people to pass their life and health exam, and to get 5,000 AP(which isn't much).
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#13 UPDATE EX-employee responds

It's like one of my friends said

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

If people were actually making $100,000+ a year, they wouldn't be advertising to recruit everyone everyday in the paper. I've seen a woman come into the recruiting presentation with a t-shirt and no bra! They still tried to recruit her!

I did work for Liberty National. Let me tell you one thing. There is definitely no BMW's, Mercedes, or any any other luxury cars in the parking lot. It's more like 1990 Ford Taurus'.

The pyramid scheme is that they need to get a certain number of people to pass their life and health exam, and to get 5,000 AP(which isn't much).
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#14 UPDATE EX-employee responds

It's like one of my friends said

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

If people were actually making $100,000+ a year, they wouldn't be advertising to recruit everyone everyday in the paper. I've seen a woman come into the recruiting presentation with a t-shirt and no bra! They still tried to recruit her!

I did work for Liberty National. Let me tell you one thing. There is definitely no BMW's, Mercedes, or any any other luxury cars in the parking lot. It's more like 1990 Ford Taurus'.

The pyramid scheme is that they need to get a certain number of people to pass their life and health exam, and to get 5,000 AP(which isn't much).
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#15 UPDATE EX-employee responds

It's like one of my friends said

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

If people were actually making $100,000+ a year, they wouldn't be advertising to recruit everyone everyday in the paper. I've seen a woman come into the recruiting presentation with a t-shirt and no bra! They still tried to recruit her!

I did work for Liberty National. Let me tell you one thing. There is definitely no BMW's, Mercedes, or any any other luxury cars in the parking lot. It's more like 1990 Ford Taurus'.

The pyramid scheme is that they need to get a certain number of people to pass their life and health exam, and to get 5,000 AP(which isn't much).
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#16 UPDATE Employee

Please read this if you want the truth

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

If you want the truth about Liberty National, please read what I have to say. I am a branch manager for Liberty, and I can tell you that anyone that calls the company a "pyramid scheme" is either delusional or just plain lazy. I was working as a computer technician for a small business making $10 an hour when I decided that I needed to stop working dead end jobs, and start looking for a career. I put my resume on careerbuilder.com, and the very first call I got was from Liberty National. I was 24 years old, and I had absolutely no sales experience. I had no idea why they wanted me to even come in for an interview, but for some reason, I decided to check it out. I came in for the interview, and I was really impressed with what I heard. I was told that I could earn money according to my efforts. This was something that I had never heard before. I had only worked in factories, and for small businesses. I always got paid by the hour, and I was scared to actually work with commissions. What I didn't realize was that I was always being under paid for the amount of work I put in. I decided to try something new, and so I started the licensing process.

Once I got my license I was ready to go to work. My first day at Liberty, and I was told that I needed to set up appointments for the next day, so my manager and I could go out and make sales presentations. I set up 10 appointmnets for my first day in the field, and when Tuesday was over, we made 4 sales. When I got in the car after the last sale, my manager asked me how I thought we did. I said...I dunno, but I guess if we do this everyday, I figure I might be able to do alright atleast. He then told me to get my calculator out. When all was said and done...I made $800 dollars in my first day with the comapny. I could not believe that I made twice what I made at my old job in a week working one day in the insurance business. I was hooked. One year later I was a unit manager. Five months after that I was promoted to Branch Manager.

About three weeks later, after my first week, my manager went out and wrote a policy on an existing client. He went out to see if the lady would like to get any life insurance on her adopted daughter. The lady he went to see adopted children that were mentally challenged, and the particular child in queston was in really bad shape, and could not receive any kind of life policy. My manager instead wrote her an accidental death policy. Since she could not get life insurace, and he wrote her this policy just incase she died in an accident. That way she would atleast have some coverage. The premium was 11.00 a month. The mother took the policy out, and had it in force for 5 months. She was on her way to Memphis to take her daugher to the doctor, when they were struck by an 18 wheeler. The policy paid 75,000 for her accidental death.

I believe in what we sell. I was raised in a town of 400 people by a mother who worked 2 jobs in sewing factories. My father passed away when I was young, and he didnt have any life insurance, so we always had it kind of rough. Do I agree with everything Liberty National does? Ofcourse not. Have you ever worked at a job where you believed 100 percent in absolutely everything they say? Liberty is a very strong company, and I am proud to work for them. I went from making 21,000 a year to over 60,000 in my first year, and I helped a lot of families in the process. I now make a six figure income to show new agents how they can be successful, and help people at the same time. This is not an anonymous message. I am the branch manager in Dyersburg, Tn. Please feel free to call me at 731-287-0345. I will be glad to answer any questions you may have about the company. Thanks, Jason Bell

P.S. It is sad to see an able bodied person come to this site, and say that Liberty National is a "rip off". I do recommend a few places that are hiring for people that come to this site and talk about how they can not make a living at Liberty National. One place that I now can use able bodied people is Mc'Donalds. I am sure that they would accept your application, and you could work there and not have to complain about pl's and 5k's. Also, you may want to consider Burger King or Hardees. I think they have similar working conditions, and you would also not have to complain about all of the horrible things that go on here at Liberty National.
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#17 UPDATE Employee

Don't drink the coolaid!!

AUTHOR: 6 Figure Libnat Earner - (U.S.A.)

Wow!! I guess my 6 figure income from Liberty National must be a dream..... Yeah right. Most of what I just read sounded like Either a Lie or the rantings of a very lazy individual who had rather watch Oprah than work hard for a living. The Liberty System only works if you are willing to "Work"..... But working may be a problem for you.....A lot of what I just read is 100% False. New Liberty Agents go to " Response" leads. These people have asked for some info. By week 2 the agents are working referrals. If the agent does it correctly, there will be plenty of people to see from this point on. I have progressively made more money every year during my Liberty career. I am currently on pace to make 115k this year. Yeah, it's a "Scheme"........ A wonderful Scheme!! Thank You God for this Horrible Scheme!!

Happy at Libnat
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#18 Author of original report

Respond by asking simple questions.....

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

The next time someone from Liberty National contacts you about a "career" ask some simple questions. If the recruiter is HONEST they will answer each question as follows:

1) Is this a management position or a sales position?
A) You will start as an insurance salesperson with an opportunity to be promoted to a sales manager.

2) Will I be asked to cold call, or sell door to door?
A) Yes. While we do have sales leads, cold calling and door to door sales are normal prospecting techniques. If you are not comfortable using these techniques you may want to start selling to family, and friends. (I actually had a manager tell us to go to Wal-Mart, shopping malls, and our churches to solicit sales!)

3) Will I be asked to recruit new agents?
A) Yes, you will recruit new agents to work under you.

4) If promoted to management will I be paid a salary, or will I still work on commssion?
A) You will work on commission, which will be commensurate upon the commissions of the agents whom you recruit. You will be paid a draw (a loan against future commissions) each week. (note: Liberty National is very vague about this. They will try to mislead you into believing that you will be paid a salary plus commission, but in fact this "salary" is not a salary at all: it's a loan to keep you going each week your agents aren't meeting their sales threshold!)

5) May I see Liberty National's turnover statistics?
A) Huh? (By this point the recruiter is probably having doubts about his/her own job.)

6) How long have you worked for Liberty National, what is your highest level of education?
A) Ummm (It's begining to sink into the recruiter that 2 weeks ago he/she was flipping burgers at McDonald's and now they have a JC Penney suit on and still don't know anything. Sounds funny doesn't it? Sadly, it's true. Ask to see the date of hire of any manager that recruits you and judge for yourself if they have the expereince to properly train you in the very complicated world of insurance policies and sales. I also fault the various states' insurance commissions for making licensing requirements far too lenient, but that's another argument.)

I could go on, but those few questions should be enough to get their recruiters off your back. They are not looking for the best and brightest, just somebody to push a couple dozen cancer policies. If you really want to get their recruiters off your back, tell them you have no family, or friends: they'll figure you have no one to sell to. That's not to say they won't recruit someone with a college education, but they will really pour on the honey with the poison. There are some silver tounged devils over there, and they made me feel like a perfect fit with my marketing degree. Don't underestimate the fact they can make it sound real good. They should, after all they're salesmen. Remember this simple rule of thumb: If an employer has to sell a job to you rather than you selling yourself to that employer; run like hell.


As for Tiffany from Dallas, GA.....I can only assume you are either a low level manager who's invested too deep in this racket to get out, or some PR shrill at the home office. Either way, you and I both know that Liberty National realistically only expects about 1 out of 1000 agents recruited to make it 1 year or more. You and I also know that we can't simply dismiss the other 999 as simply being "lazy." Sure, some are. Many, however, worked as hard as they could, wiping out their savings accounts to try and make this work. Many more left good, maybe not great, but good jobs because we sold them on the hope of making a better life for themselves. All the while people like you and I knew all along the overwhelming majority of those people would ultimately fail. Just as long as we could get $5,000 worth of premiums out of them we were getting our bonuses weren't we? Think of the financial hardship, and ruined lives of some of those folks. Sure, we have helped some clients, and maybe a few agents out. Some people are natural at sales. What little bit of good I may have done for a few does not outweigh or in any way displace the financial hardships I personally saw some of my recruits go through. I got out because I couldn't sleep at night. I hope you can, Tiffany.
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#19 Consumer Comment

How to Respond?

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

At least once a week these idots call me, even though I have told them, repeatedly, not to bother me anymore.

Any suggestions on what to say to these scumsuckers? (civil or rude responses welcome!)
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#20 Consumer Comment

Liberty National

AUTHOR: Atlanta Guy - (U.S.A.)

Yes, I interviewed with Liberty National....before going with a REAL insurance company who PAID for my license training. Who PAID for my license exam. Who paid me a weekly salary WHILE I was training, and continued to pay salary + commission afterwards. Everyone in the industry knows what a complete JOKE Liberty National is. Our company has hired some good agents who have been screwed over by Liberty and actually pays them what Liberty only "promised". And WHY does Liberty have to run their employment ad in the newspaper EVERY day ??? The company I went to work for very seldom has to run an ad for employees. But, maybe that's because OUR employees are HAPPY where they are. By they way....nice come-back with the above post by the Liberty National shill.
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#21 UPDATE Employee

Sometimes wishing for it was a pyramid scheme

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

Please understand that pyramid schemes make the manager wealthy while leaving the "agent" broke. The misunderstanding that you obviously have could be understood by knowing that Liberty National pays larger incomes to agents doing as they as told to do. The manager helping the agent is actually paid less. In a pyramid scheme, the so called manager is paid large incomes for what the one agent does...This, as you should know is not the case at Liberty.

Spending $$$ on the licensing....JUST to be Factual...Liberty National is not a license school...It is a requirement from the State, much like real estate or any other business requiring a license. Please do not blame Liberty National because the State requires such licenses!!!! Another fact, Liberty National will help you get your license, for the states with a temp!!!

My reason for replying to this report is to clarify the truth....Andy King is an amazing individual with a vision to GROW! Which, my friend, is the reason for hiring in large amounts. Truthfully, 75% of the people I have witnessed in my life do not WORK...they play, gossip and do a bunch of nothing progressive to make anything happen. This is the very reason only 3% of the population are millionaires.

Liberty National is a company for true WORKERS....Entrepreneurs. A company that truly wants the best for their clients and employees, however only for those that want the best for themselves!!!!


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