• Report: #136564

Complaint Review: National Income Life Insurance - American Income, Local 277,the Scoop

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  • Submitted: Mon, March 28, 2005
  • Updated: Fri, April 29, 2005

  • Reported By:Henrietta New York
National Income Life Insurance - American Income, Local 277,the Scoop
1567 E.Henrietta Rd. Henrietta, New York U.S.A.

National Income Life Insurance, American Income, Local 277, the Scoop Lying scum sucking dirt bag red necks from NILICO, American Income. Threats made, they really operate out of Henrietta, near Rochester not Syracuse Henrietta New York

Rip-off Report Investigation: American Income Life / National Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and submit to independent investigation. American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. Waco Texas, Nationwide

*UPDATE EX-employee responds: Well Leo, nice to see you wised up and disconnected your phone

*UPDATE Employee: I'm in but not for long, went for interviews all day yesterday, AIL and NILICO good ridance

*UPDATE Employee: Strong Steve the next big shot traitor from Combined L*fe

*UPDATE Employee: Strong Steve the next big shot traitor from Combined L*fe

*UPDATE Employee: Strong Steve the next big shot traitor from Combined L*fe

*Consumer Comment: Dear Duhron "You would be lucky to keep your license"

*UPDATE Employee: Sorry to here about your all too common results with AIL / NILICO

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Yes they all use fake names like Jim and Jane and practice how to take money from the uneducated, you practice, rehearse and memorize every word of a script. It's all bullsh*t.

You take your state exams and get licensed, with your school and exams and lost time you could have found a real job but let say conservatively you are out a thousand dollars before you start "training".

The first thing your trainer tells you while you train for free is to forget what you just learned in the licensing school and took your NYS license exam on. He tells you don't worry if you obeyed those rules you would not make a dime. He teaches you very carefully how to decieve without completely lying. He will give many examples of how close you can come to lying with it not being able to be proved in court.

Sounds very risky. He tells you don't worry most of the successfull guys go way beyond those limits and outright lie and they are not in trouble because everyone thinks you are in their union.

When they have a complaint, it usually goes to the union hall not the NYS Department of insurance. A box of Cuban cigars is the going rate to fix a complaint and a little chat with the union reasuring them that the guy is just a whiner and we always get one or two of them. We all know how whiners can be. Most of them take the expensive cigars, and a few drinks and call it a day.

The few that get way too many complaints tell them to stop calling and then notify the other unions to beware of scammers and possible and probable complaints if they sign up.

The price goes up, the fancy illegally imported Cuban Cigars and drinks are not enough anymore, use you imagination. The crooked union officials raise the under the table gifts by a lot. One handwashes another. Some have morals, others don't. Some of them drink and then talk.

The union officials may have no idea how far they went over the line in regards to rebating. The law is clear and they are being investigated.

A snitch penatrated their ranks and recorded many illegal activities, how will it play out in court? The attorneys are reviewing it now and contacting ex-employees as well as any current ones interested in joing a class action lawsuit.

The NYS Insurance Department is investigating and I doubt they have any use for illegal cigars.

They don't like being made fools of and the Attorney General is on a roll with bad insurance companies lately. You can get more information at http://w*w.ins.state.ny.us/complhow.htm it is never to late to come clean and file complaints or statements against anyone you think violated the laws you were taught while getting your license.

If you want a real joke go NILICO's web site and see how far that has gone in 4 years. They want you to think they operate out of Syracuse when they really operate out of Henrietta, near Rochester. www*nilife.com Tell me if you have ever seen such a lame web site for an insurance company.

Threats have been made on my life and my license, myfamily but I don't care, the private investigators and Insurance Depatment are protecting m tnight. I worked for these liars 1.5 years and knew from the second week, who they were and continue to be in trouble, lawsuits, etc.Non of the promises werenonsense.

The sooner they go down the better we look. More details if requested. Stay far away from them.Good luck. I have more documentaion on them if needed. Have a careful day.

Ted
Henrietta, New York
U.S.A.

This report was posted on Ripoff Report on 03/28/2005 12:38 AM and is a permanent record located here: http://www.ripoffreport.com/r/National-Income-Life-Insurance-American-Income-Local-277the-Scoop/Henrietta-New-York-14623/National-Income-Life-Insurance-American-Income-Local-277-the-Scoop-Lying-scum-sucking-d-136564. 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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#1 UPDATE EX-employee responds

Well Leo, nice to see you wised up and disconnected your phone

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

You were a slow learner but now that you have figured it out why not contact the hundreds of other disgruntled ex contractors and join the law suit. It looks like like a BIG CLASS ACTION LAW SUIT coming to ROCHESTER. Hopefully you have been reading about AIL past lawsuits that were settled for big money. We are all family here brother Leo. Look at www.Markcolbert*com, give him a call he is on top of it. He is a straight up dude taking depositions and lawyering up. Sounds like Dumron will be sitting in the deposition seat at the court house either in NYC or Rochester for 12-18 hours under sworn testimony, followed by his side kick Jimmie the yes boy because we already know he is too stupid and arrogant to settle without a fight. Remember he says he is doing everything the right way. The funniest part is he told his agents to tape record meetings and they did. A word of advice to the newbies, carry a pocket recorder out of sight. It may save your butt from their lies. Leo you were warned, brother what took you so long. Did you take that job at 7-11? If you did at least you will get an honest raise. Too many chiefs, not enough Indians, give Mark R. a call and apologize for stabbing him in his back to get his job. Now you you know why he felt the way he did about his job at NILICO / AIL, because the job isn't even a job just slow torture. A worthless contract not worthy of the paper it is written on. Who explained the truth to you about the fake net worth bucket fairy tale? Good luck on your next job. Keep your accident insurance policy, hopefully you can have at least a $200 accident per month until you are 70 when they pull it from you. Another one bites the dust!
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#2 UPDATE Employee

I'm in but not for long, went for interviews all day yesterday, AIL and NILICO good ridance

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

After about 3 years I have taken all the lies and deceptions I can handle for a lifetime. My wife can't understand why I have not quit long ago. She said she would rather see me manage a
7-11 than these clowns. Yes I feel guilty selling this years product since they took away the best parts and I've listened to the agents brag about the lies telling customers that this years policy is better. Any Jack*ss that can read would know that is not true. I'm probably getting out of insurance all together. The SGA has already threatened to blacklist me if I try to sell Insurance from any other company by "vectoring me". I have never heard of this before but he claims he can make sure several different ways that I can never sell Insurance again. This one feeds ANONYMOUS negative information to companies that do a check on you for pre employment like CHOICE POINT.This is the same guy that used to say we are all like family here. Maybe like Families from Kentucky, I used to think he was joking about not bending over in front of him while ugly wife was back in Kentucky where they belong. You made your money, now go home... YOU HAVE LOST THE TRUST AND RESPECT OF EVERY MANAGER NOW AND WE ALL HATE YOU AND JIMMIEACHI! Good union leads every two weeks, what a joke...
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#3 UPDATE Employee

Strong Steve the next big shot traitor from Combined L*fe

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

He is the one writing executive non smokers meant for exceptionally healthy people to old sick people with Muscular Sclorosis that can't walk without a four legged walker and other tools to walk, use oxygen and can't get their own mail need helpinp going to the bathroom. Steve thought that was a great candidate to sell this type of insurance to.

Funny how underwriting didn't catch this one, or the other similar ones he wrote. He was a big writer that has worked there twice. 1st time his retention went from 100% to 65% in about 6 months and 2nd time he went from 100% to 65% in about 5 months. I would love to replicate business like that.

Keep up the good work Steve! He signed his name to it, and I agree their funeral benefits are garbage that are way over priced. He is also replacing Combined L*ife ploicies with National Outcomes, and they think he is great, even gave him a promotion to MGA. He convinced several of Combined guys to switch and lie like he does. None of the hillbillies are smart enough to read their contract, that was pulled from their hands after signing and were afraid to ask for a copy or denied when they ask, I wonder why, and don't understand that they are only entitled to 5% of their 10% net worth after 1 year.

If you are not their 6 months you get nothing and if you are there 2 or three years you get next to nothing. Most of your monthly check is just the 35% they help originally hoping you would be gone by now.

If you are entitled to any of your so-called bucket money you will not see a penny of it for at least 180 days after they chose to close your account.

When you wake up and leave, call home office to close your own account.Ask Jimmieanchi about your P&P report and he will tell you " I don't know how that works" Funny answer for the State Director. Want to play splat ball? Would you like some Diamond Back Monopoly Money with my picture on it, skys the limit how much would you like?

Most 1st year agents earn at least 6 figure incomes, there is a . before the last two figures. We did not say you would earn $100000 our 6 figures are more like 9999.00. Some make 6660.00. Any agent to still believe these liars should ask home office specifically what the following numbers mean.

If they refer you to Jimmieanchi, tell him he admitted he does not know. Ask for the answers in writing and signed by an official. PVFC,BALANCE, NET WORTH, FIRST YEAR, RENEWAL.

GIVE THEM EXAMPLES FROM YOUR OWN p&p NUMBERS AND ASK IF I QUIT TOMORROW, how long will it be before I get my first check? Ask if there will be a first check? What happens to the 35% of money you were holding for my buck?

Don't ask, don't cry later. Don't believe your manager he is young and stupid and probably believed the lies he was told. Have you ever heard of a pyramid? Welcome to the bottom of a big one that you never will climb, all contracts say they can dump for no reason with a 30 day notice, that includes being negative and asking questions.
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#4 UPDATE Employee

Strong Steve the next big shot traitor from Combined L*fe

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

He is the one writing executive non smokers meant for exceptionally healthy people to old sick people with Muscular Sclorosis that can't walk without a four legged walker and other tools to walk, use oxygen and can't get their own mail need helpinp going to the bathroom. Steve thought that was a great candidate to sell this type of insurance to.

Funny how underwriting didn't catch this one, or the other similar ones he wrote. He was a big writer that has worked there twice. 1st time his retention went from 100% to 65% in about 6 months and 2nd time he went from 100% to 65% in about 5 months. I would love to replicate business like that.

Keep up the good work Steve! He signed his name to it, and I agree their funeral benefits are garbage that are way over priced. He is also replacing Combined L*ife ploicies with National Outcomes, and they think he is great, even gave him a promotion to MGA. He convinced several of Combined guys to switch and lie like he does. None of the hillbillies are smart enough to read their contract, that was pulled from their hands after signing and were afraid to ask for a copy or denied when they ask, I wonder why, and don't understand that they are only entitled to 5% of their 10% net worth after 1 year.

If you are not their 6 months you get nothing and if you are there 2 or three years you get next to nothing. Most of your monthly check is just the 35% they help originally hoping you would be gone by now.

If you are entitled to any of your so-called bucket money you will not see a penny of it for at least 180 days after they chose to close your account.

When you wake up and leave, call home office to close your own account.Ask Jimmieanchi about your P&P report and he will tell you " I don't know how that works" Funny answer for the State Director. Want to play splat ball? Would you like some Diamond Back Monopoly Money with my picture on it, skys the limit how much would you like?

Most 1st year agents earn at least 6 figure incomes, there is a . before the last two figures. We did not say you would earn $100000 our 6 figures are more like 9999.00. Some make 6660.00. Any agent to still believe these liars should ask home office specifically what the following numbers mean.

If they refer you to Jimmieanchi, tell him he admitted he does not know. Ask for the answers in writing and signed by an official. PVFC,BALANCE, NET WORTH, FIRST YEAR, RENEWAL.

GIVE THEM EXAMPLES FROM YOUR OWN p&p NUMBERS AND ASK IF I QUIT TOMORROW, how long will it be before I get my first check? Ask if there will be a first check? What happens to the 35% of money you were holding for my buck?

Don't ask, don't cry later. Don't believe your manager he is young and stupid and probably believed the lies he was told. Have you ever heard of a pyramid? Welcome to the bottom of a big one that you never will climb, all contracts say they can dump for no reason with a 30 day notice, that includes being negative and asking questions.
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#5 UPDATE Employee

Strong Steve the next big shot traitor from Combined L*fe

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

He is the one writing executive non smokers meant for exceptionally healthy people to old sick people with Muscular Sclorosis that can't walk without a four legged walker and other tools to walk, use oxygen and can't get their own mail need helpinp going to the bathroom. Steve thought that was a great candidate to sell this type of insurance to.

Funny how underwriting didn't catch this one, or the other similar ones he wrote. He was a big writer that has worked there twice. 1st time his retention went from 100% to 65% in about 6 months and 2nd time he went from 100% to 65% in about 5 months. I would love to replicate business like that.

Keep up the good work Steve! He signed his name to it, and I agree their funeral benefits are garbage that are way over priced. He is also replacing Combined L*ife ploicies with National Outcomes, and they think he is great, even gave him a promotion to MGA. He convinced several of Combined guys to switch and lie like he does. None of the hillbillies are smart enough to read their contract, that was pulled from their hands after signing and were afraid to ask for a copy or denied when they ask, I wonder why, and don't understand that they are only entitled to 5% of their 10% net worth after 1 year.

If you are not their 6 months you get nothing and if you are there 2 or three years you get next to nothing. Most of your monthly check is just the 35% they help originally hoping you would be gone by now.

If you are entitled to any of your so-called bucket money you will not see a penny of it for at least 180 days after they chose to close your account.

When you wake up and leave, call home office to close your own account.Ask Jimmieanchi about your P&P report and he will tell you " I don't know how that works" Funny answer for the State Director. Want to play splat ball? Would you like some Diamond Back Monopoly Money with my picture on it, skys the limit how much would you like?

Most 1st year agents earn at least 6 figure incomes, there is a . before the last two figures. We did not say you would earn $100000 our 6 figures are more like 9999.00. Some make 6660.00. Any agent to still believe these liars should ask home office specifically what the following numbers mean.

If they refer you to Jimmieanchi, tell him he admitted he does not know. Ask for the answers in writing and signed by an official. PVFC,BALANCE, NET WORTH, FIRST YEAR, RENEWAL.

GIVE THEM EXAMPLES FROM YOUR OWN p&p NUMBERS AND ASK IF I QUIT TOMORROW, how long will it be before I get my first check? Ask if there will be a first check? What happens to the 35% of money you were holding for my buck?

Don't ask, don't cry later. Don't believe your manager he is young and stupid and probably believed the lies he was told. Have you ever heard of a pyramid? Welcome to the bottom of a big one that you never will climb, all contracts say they can dump for no reason with a 30 day notice, that includes being negative and asking questions.
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#6 Consumer Comment

Dear Duhron "You would be lucky to keep your license"

AUTHOR: Frank - (Canada)

Let me quote: "You would be lucky to keep your license"

Well...I do not even know how to start but here it goes:

You are an insurance agent, with an implied commitment to act in your clients' best interests..a Fiduciary duty...remember?

So consciously knowing that you screwed some union members, whom may not know this until one of them dies and the remaining spouse faces reality alone with nothing but a Pre-paid funeral, kids to be fed and sent to college in few years and a mortgage; eventually realizing that her trusted Union Insurance Agent just wanted $$ out of them and not looking after their best interests at all.

So even if Ted does NOT keep his license, well buh-huh-huh it does not seem like such a burden after all, right?

Have you ever gone to bed thinking one of these days one of your clients WILL die, you will get a call to your cel phone, and you will have to tell that spouse: "sorry, he did not die in an accident, so all you get is 10K for you and your kids" That is the protection you paid for all these years for that rainy day......
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#7 UPDATE Employee

Sorry to here about your all too common results with AIL / NILICO

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

Tim,
It sounds like you also would have benefited by reading these sites before paying that much money for a job. You may look into the possible class action lawsuit that the attorneys are working on now with ex contractors as well as victims who bought these policies while being misrepresented, wouldn't want be Strong Steve right now, they know about the people you wrote real bad business on and have PROOF. I think you will be lucky if you keep your license.
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