Since July I have been contacted by many of Sabrina's agents including her own sister. I just want you all to know that it is not the agents doing illegal things it is SABRINA. I was her first agent in Maryland I got to know Sabrina and her deceitful ways very well. I moved with her to New York. That was the worst mistake I ever made in my life. I was with her for 2yrs I absolutely loved American Income and the opportunity but Sabrina totally ruined the opportunity for me. I am a very strong person and I remained loyal to Sabrina but when is enough finally enough. I feel really sorry for the agents who are going through the same things that I did. I worked so hard and I was doing really well. I was let go from the company simply because there was a rumor about her sister (nothing to do with business).
Every time an agent leaves she says that they are doing illegal things however it is a common practice at her agency. Sabrina has payed for hundreds of policies to save her retention. She has even put agents on payment plans to pay her back for the policies that she has paid for them. Sabrina is a very good manipulator and once things hit the fan she will blame everyone but herself and lie on everyone including her own sister Natalie Lloyd. Something really needs to be done. She is a very dishonest person. She does so many things to her agents and it is really unfair to let that continue to happen.
Her husband (boyfriend) works in her office as a manager and he is in the country illegally. He does not have legal papers to even be in the United States but he is responsible for training Sabrina's agents in CT. Sabrina and Karolina-her office secretary copy all the applications and keep them in a bin just in case the business falls off before 4months. It is Sabrina not the agents. If a policy falls off the policy is paid. Sabrina tricks people to do things illegally so that when it comes time for them to leave they will be to scared to express all the illegal things that she has done. The year she wanted to become an SGA she went out and paid for so many policies in Maryland just so she would be able to get the SGA contract she wanted. She makes the agents tell the clients that the company AIL waived the premiums but the truth is Sabrina pays it. She will do anything as long as it benefits her. She makes her agents code random people even if they are not in the home or on their team. Sabrina pays her agents out of pocket to code new agents when she knows very well that the new agent was not in the home. She was accused of this by Richard several times but she just kept lying to cover herself.
Let me be clear, I am not just some angry agent trying to bet back at Sabrina. I just really feel sorry for all the really good agents that work hard every day and because of Sabrina their dreams are ruined. You have to see that Sabrina is a serious problem. Her 2 MGA's that were at the top of the company are not with her anymore. Her own SISTER wants nothing to do with her because of all the things she has done with the business. In fact Sabrina stole 15,000$ from her own sister. She stole many of my belongings when I was leaving the company. I could go on and on about the things that Sabrina has done. It is not fair that she teaches people to do illegal things and then threatens them when they try to leave. Sabrina is so unethical that her "quality specialist" Karolina Debek is a former agent that could not even advance because her retention was so bad. Even Karolina had to pay for her clients policys that lapsed. Sabrina has made up documents on behalf of NILICO/AIL on company letterhead that says that AIL/NILICO can go into a clients account as many times as they need to to collect premiums. Agents are also required to collect policy service forms and additional bank draft forms, and have them signed by the client at the time of the application. This was done so that if the policy falls off within 4months it was easy to pay the policy off and submit for reinstatement many times the clients did not even know their policy was reinstated. This is what the agents are taught as soon as they come in. Most of the time they have no clue as to why they are doing it. I can tell you first hand with my own eyes that Sabrina Lloyd has THE BEST signature when she needs something forged.
I now completely understand what Falvo meant at LDS when he said that when people leave AIL they move on and become TOP PEOPLE at other companies. I have moved on from AIL and I am still doing extremely well with out Sabrina. Its just sad that every other day there is another agent calling me because of what she has done to them. There are so many strong agents that love American Income and want to work for AIL but have left because of Sabrinas unethical behavior. I know from my experience with Sabrina that these agents are telling the truth. She did the same things to me. Look at Natalie Lloyd who was another top MGA. She fired Natalie (her own sister) because she went to dinner with her father not because of anything illegal. Natalie did not do anything wrong. AIL is losing great people because of Sabrina. It is not right for agents to be fired because of personal issues with there SGA. I suggest that you all listen to the agents they are telling the truth. How many more agents have to lose their career and their dream before something is done?