• Report: #443530

Complaint Review: United American Insurance Company

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  • Submitted: Tue, April 14, 2009
  • Updated: Tue, March 23, 2010

  • Reported By:Mountain Home Idaho
United American Insurance Company
1111 South Orchard Suite 250 Boise, Idaho U.S.A.

United American Insurance Company THIS IS A RIPOFF! DO NOT FALL PREY TO THEIR RECRUITING PLOYS Boise Idaho

*UPDATE Employee: Hmmm!

* : RE; Douglasville Agent

*UPDATE Employee: MY EXPERIENCE AS A LIBERTY NATIONAL EMPLOYEE

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I was "recruited" through one of the job sites, Monster, etc. I was called and asked to come in for an "interview", which, basically is nothing more than a "cattle call". Anyone positing a resume on a job search site will likely get a call for an "interview". The funny thing is, I was applying for a customer service position; not a sales agent-I have no interest in sales what so ever, AND the really sad part is, I gave up a day of work to sit through this non-sense.

Here is exactly what happens if you go in for their interview. You'll be greeted by the receptionist and asked to fill out a sheet of paper with your personal information, such as your SS# and what make and model your automobile is??? and how much your household income is a month??? How long could I sustain without income, was another question on their form. I was quite skeptical about this and left the info about my car off and also I wouldn't give my SS# (the reason they want this info, is because they say they can not pay you unless you are licensed to sell insurance and that they are not allowed through the company to pay for your licensing because, get this...it would look like they are a recruiting company and not an insurance company).

You are then asked to go into a room, where there are 20 to 30 chairs facing a projector screen. Several people, in my case it was about 10 people started coming in and having a seat. While this was going on, a branch manager and the person presenting the "interview" were having a chat about all of the fabulous places they have been, all expenses paid, of course, through UA!!!! The conversation was just loud enough to be heard while these poor people were filing into this room.

The presentation began with, "THIS IS NOT A CATTLE CALL", whoomp!!! RED FLAG! "This is a chance for you to interview us (UA) as a company before we get the chance to interview you", needless to say, I already had my skepticism pegged from the paperwork they asked you to fill out when you first arrived. I sat through the presentation, it was mostly about the MONEY, you can earn and have a better life and how they will show you how to achieve a six figure income a year, if you'll only follow the steps that they've laid out for you, with a (UM) by your side the whole way!!!

Sounds to good to be true??? Well, it is... One gentleman got up and left, when he realized what was going on...its nothing more than a pyramid scheme. I left after the presentation and can you believe they had enough gall to call me on my cell phone after I walked out and tried to get me to return their call? TOO DESPERATE FOR SUCKERS...Please do not fall for this scam...Just a warning to you...I wish I had found Rip-off report before I went to this ridiculous "interview".

Anyway, should you decide to stay, they will bring you in for a private interview and ask you to pay $15 for your application fee for your license and $100 for your training materials...have you ever heard of such nonsense, oh and the killer is...you don't get a salary or a hourly wage...its all commission based. Its Crazy and someone should investigate their practices, especially in these tough economic times.

Whatever
Mountain Home, Idaho
U.S.A.

This report was posted on Ripoff Report on 04/14/2009 03:19 PM and is a permanent record located here: http://www.ripoffreport.com/r/United-American-Insurance-Company/Boise-Idaho/United-American-Insurance-Company-THIS-IS-A-RIPOFF-DO-NOT-FALL-PREY-TO-THEIR-RECRUITING-P-443530. 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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REBUTTALS & REPLIES:
0Author 3Consumer 0Employee/Owner
Updates & Rebuttals

#1 UPDATE Employee

Hmmm!

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

I find it very interesting that an individual can post anything about a company and how some people believe it. This paticular person never stuck around to find out about the fees to become a licensed insurance agent. These fees that are quoted are wrong! This person never even asked any of the staff here in Boise if they were making that kind of money, I know this because we are! Its too bad how some people just don't get that the best things in life come from taking risks. I hope whoever this was is happy making $10 an hour!
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#2

RE; Douglasville Agent

AUTHOR: justagirl7386 - (USA)

I won't lie, I didn't read your entire post because my head started hurting.  I am already licensed with the state.  I got that wonderful call from the local LibNat unit manager asking me to come in to interview for a Branch Manager position.  I go in, hear all the wonderful things about the company and the opportunity I'll have to earn 6 figures.  Wanted me to start work the day after the interview, I opted to start the following Monday. 

Meanwhile, back at the ranch, I Google Liberty National and learn how few people have something good to say about them.  Still, I'm going to come to my own conclusions, not going to be influenced by the opinions of others. 

I show up Monday bright eyed and bushy tailed eager to learn about the products I'll be representing.  Silly me!  Not one minute of training, not one piece of literature to give me an idea of the products and oh, you're not being hired as the Branch Manager you'll start off as an agent and work your way up.  Instead, I'm told to start making appointments with local businesses to give presentations and to get with any individuals I may know who I can sell to.  Oh, and the next day I'm going with the Unit Manager to do a 2 day enrollment for a school system.  I don't have a clue  about the E app, I have never navigated the site and I can't answer any questions these people may have about the product they're purchasing.

So, you tell me how many sales I'm going to make not having a clue about the products? 

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#3 UPDATE Employee

MY EXPERIENCE AS A LIBERTY NATIONAL EMPLOYEE

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

I am a single mom who came to Liberty almost five years ago. I have personally made 400k and counting since I first came aboard. I too came to an interview in which paycheck stubs(personal info was blacked out) were shown to me as to what I could achieve with Liberty. I was desperate going thru a divorce and I had to feed my kids. I did exactly what they asked me to do and my first year I made a net of around 54k. This is when the average first year agent's income was 48k. The next year I scored around 89k. Every year i have made more money.

As far as the recruiting interview the reason we do this is for a variety of reasons:
1. For every 10 appointments set the average is one (1) will actually show up
2. When we do groups of 10 or more in one setting we show a video presentation to save time for both the prospective employee and for the people who are doing the seminar. No one makes money in the office But we are trying to grow this company so we must have recruits.
3. The reason we pull resumes from different sources is simple: The larger the net the more you will pull in for a seminar.
4. We look for people from all walks of life. For example: the top agent in the company was originally a ditch digger. He has been the top agent for 17 of his 19 years with Liberty. His pay is the #1 pay shown in video presentation.
5. We have people who were teachers, nurses, stay at home moms, laborers, salespeople, etc... These people have been with the company and I know several of them. The youngest that I personally know was an 18 year old working a part-time job at the mall. She has now been with the company over two years and is doing very well.
6. I have personally trained new agents for three of my almost five years. For the most part they have all been nice people. Some stay some go. Some like the business some don't .
7. The majority of companies who are in the same market make their new agents pay alot more than Liberty. We brokered a deal with an online testing company so that new employees can take the 40 hour class (which is required by All states) online for a fraction of the cost that the traditional class cost.
8. Liberty is one of the few companies in our particular market that gives employees all the bells and whistles. Major medical,dental,vision,life, short & long term disability, flex plan, 401k, and a noncontributory pension fund. Lets not forget paid vacations and the incentive trips which are real and always five star.
9. The way we train agents is simple: to educate our clients as to what types of insurance is out there. to do a detailed analysis called the market survey. this is a breakdown of the client's own responses of where they work, what type/amount of insurance they currently have, what financial responsiblities they have and what do they have to fall back on in the event of a serious illness or accident to protect their family. Lastly,what is basically their gameplan in the event of an untimely death of the breadwinner.
10. The majority of clients that I meet with usually don't understand what type of insurance they already have. They are almost always Underinsured for both Life and supplemental health.
11. Agents make all their commission dollars even when management is the one that actually sells it during training. Management is paid parallel to whatever their agent's commission are. Never do they have to split what is made.

In conclusion, to the person who I am responding to I say to you that I am sorry you have such a bad taste from that interviewt. Also that this is not a pyramid scheme. Liberty has been around for over a 100 years and we were one of the few companies who did not invest in sub prime mortgages. Therefore, our company did not take as bad a hit as the others did. Also, I personally have been headhunted by several different insurance companies similar to Liberty and no one in my opinion can beat the commissions or the benefits that my company offers. So, good luck to all who have the opportunity to work for Liberty.
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