• Report: #490807

Complaint Review: United American Insurance & Liberty National Life

  • Submitted: Sat, September 05, 2009
  • Updated: Tue, November 20, 2012

  • Reported By: they got me too — saint louis Missouri USA
United American Insurance & Liberty National Life
2410 Hwy 94 South Outer Road # A St Charles, Missouri United States of America
  • Phone: 6364473835
  • Web:
  • Category: Liars

United American Insurance & Liberty National Life Misrepresention of job They got me too!! What a fool I was. St Charles, Missouri

*Consumer Suggestion: Formaer Agent Suggests

*UPDATE EX-employee responds: Yep, tight wads

* : At least you found out early!

* : Branch Manager Todd Baxter Unit Manager Monica Burgess

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Wow I can't beleif they got me too.  I answered an ad on jobs.com and was surprised I was contacted so quickly by Todd Baxter who is the branch manager at Liberty National Life insurance in Saint Louis, Missouri.  I was told I would make six figures my first year and all I had to do was get licensed.  The only money I would spend would be 79.95 for the class (when I asked if the class was a part of the company he said No!! When In fact it is) 51.00 for the test at the testing center and 105.00 to the State Licensing agency.  So I did. 

After the initial investment I started, I must say I was shocked on my first day when they wanted me to use my cell phone at their office to make calls.  A Multi Million Dollar Company cant even supply land lines at the office, that should of been the first sign.  Calls not to make appointments but calls to find out who the decision maker of the company is and if they have benefits and how many employees work there.  Thats a lot of minutes which cost me money.  hmmm..  Then I find out I have to supply the paper that I write that information on all while making sure the people on the other end of the phone don't know its Liberty National Life Calling.  Just say we are a new company in the neighborhood. That sounds like mis-representation don't you think after all they been around for 109 years. 

After making these calls they have you drive your car with the gas you paid for all over the state, nothing to close to home to try and set up an appointment.  If you are lucky enough to make one you have to go back out to the place on another day with a Unit Manager to see how she Works or should I say Lie to the potiental customer.  It was a sad sight to see that all the things I learned to pass the state test was only used in the testing room.  They say they have more leads then agents well lets take a look at that...  If you call, calling business owners from a sales genie list a lead then I guess that might be true.  They have signs for you to put up all over town but they don't supply the stakes for the signs not even a hammer and nails, that is all on you.  You also must pay the city you plan on putting them up in with no help from the Branch.   

Sounds like you the agent are financing the success of Liberty National Life, right.  When you are in the office if you had cancer in the past they make sure everyone knows you had it by pointing you out asking if you wished you had their Cancer policy.  Its sad they try and use people in that way.  If you don't you should make sure and tell the potiental customer your life was in ruins because of Cancer.. Went into bankruptcy, had no money to eat whatever it takes to make a sale,after all we have to get into the "40 club" so we all make a million.  If you are real lucky you will have a unit manager like me.  She tells everyone she has only had one job other then LNL and that was at Taco Bell and after her first year she was making a six figure income the third in the company. 

In fact she plans on buying a Hummer paying for it in cash that must be because she has bad credit because she had to file for bankruptcy because of cancer...  Hmmm makes you wonder if she even knows the truth anymore.  She told many lies in front of me and when I questioned her about them all the sudden I am Challenging Her...  By that point I was beginning to wonder about the company as a whole.  Since I could not get a strait answer from the Branch Manager or the Unit Manager on how long it might be before I made my first paycheck I asked other agents and another Unit manager.  The agents I asked were truthful the other Unit Manager would not answer just saying if you sale a policy this week you will get paid next week. 

The standard answer from the managers.  The agents some who have been there over six weeks still have not recieved their first paycheck and don't really have one in sight.  Very Scary since the first week alone I used 3 tanks of gas (72.00) running around trying to make appointments. I also bought a Magic Jack (43.64) to use to make calls on my computer since I could not change my cell plan unless signing a new contract.  Well there was problems getting online in the office because of who knows.  The branch manager and the unit manager tried to get me online and two other people's computer too with no luck.  I guess the router they have in the office only allows a few on at a time but of course that was my fault. 

Well they make sure at the end of the day to point you out in front of everyone in the office as making the least amount of calls.  Yelling and Screaming about you and others being off target.  All this after working there for 6 days.  hmmm,  instead of being motivating seeing you are trying to pay for the things they don't, they yell at you and tell you what a loser you are.  That she is sure we could get a part time job at Taco Bell, Burger King or Churches Fried Chicken.  Is that really what they think of the people they hire???  I guess so because that is what we were told.  On Mondays from 5pm to 7pm they want you to call people to try and get them to work for Liberty National Life, I asked why they have such a high turnover and they say because when people get their first paycheck its usually around 25,000 and they leave because they are lazy. 

Another Lie.  After all this I get a text message on my 6th day after work around 8:30 in the evening telling me my activity level, negativity, challenging her (the Unit manager) and questioning of other agents and the other unit manager she decided i was not a fit for her team or the office.  Fired me with a text message because I figured out what was really going on.  Did not even have the guts to call me or tell me in person.  When I texted her back no response,  I called the Branch Manager no response I called the president of the company and spoke with Sally his assistant who promised she would have someone call and still no response.  That tells me what kind of company Liberty National Life is.  I learned that in 6 whole days.  I guess I have to be thankful I did not sink anymore of my money or time in this type of company.. 

Oh by the way did I tell you that Todd Baxter the Branch Manager was fined by the Missouri board of Insurance in March of 2009.  He was:)  I even asked him if he was ever issued a citation from the board and he said Never we are rated A+ with the BBB.  Well the BBB does not handle this type of complaints so you will never see one on there about problems with working for Liberty National.  So if you plan on working for Liberty National Life be prepared to be treated like crap, spend all your money before you ever get paid, putting hundreds of miles on your car, using all your cell minutes, having a boss that says they are recovering from bankruptcy, being able to look at potential customers with a strait face scaring them about Cancer, being told you might be lucky enough to get a part time job at a fast food joint, being lied to by your unit manager and finally getting FIRED FROM A TEXT MESSAGE. 

You're going to Love working there.  Save yourself don't fall into this trap!!!  Beleif what others have said.  Its the truth.

This report was posted on Ripoff Report on 09/05/2009 07:30 PM and is a permanent record located here: http://www.ripoffreport.com/r/United-American-Insurance-Liberty-National-Life/St-Charles-Missouri-63303/United-American-Insurance-Liberty-National-Life-Misrepresention-of-job-They-got-me-too-490807. 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 Consumer Suggestion

Formaer Agent Suggests

AUTHOR: Billsgal - (United States of America)

I was an insurance agent in two states working for both a very large company and a smaller, family owned company selling life and health insurance, mostly as a debit agent.  I think that those who are complaining about hiring ripoff do not understand the agency system. 
      An agent is like an independent contractor who works on a commission A=only or a small salary with commission basis.  All expenses, like those described, are business expenses, just as you would have if you decided to open a store to sell something.  Also, agents cannot get paid commissions until they are licensed to sell the product.  DUH!  That is why the first few weks are mostly cold calling and appointment setting, learning how to do this effectively under the direction of a team or unit manager.  Any business written during that training is signed by the manager, a licensed agent, who may decide to share the commission with the new agent later or who may pay the agent a finder's fee. 
      That being said, I think those new hires forgot to mention the contract they signed with the company. Perhaps they were so eager to work that they didn't read it, even the fine print before signing it.  Otherwise they would know that all expenses are their respnsibility. 
       Is some of the behavior of the manager(s) questionable?  YES!  it is never a good idea to lie to your agents as they are the ones that make the manager money.  Managers get override commissions on the sales of their team of agents.  Also, some of the cold calling techniques described seem a little suspect, but not all of them.  Mentioning a company name early in the relationship with a prospect is not always a good idea. It may produce a hang-up when the agent has a genuine good thing to offer the prospect.  There are also inscrupulous agents out there who tell their clients not to listen to anyone else and bash other companies.  That is not necessary if one is giving good service and has what the customer needs.  Then looking at other offers is not problem.
       Becoming a successful insurance agent, for any company, takes work and willingness to listen, try doing what one is told and refining one's presentation over months and years of experience.  Lieing is never a good idea, but being able to create possible scenarios which insurance will help mitigate is an important skill to have for an agent.  The money is there and it takes spending one's money to do the things it takes to find and get in front of people.  MY favorite manager used to say, selling insurance is like anything else, if you throw enough appointments, presentations, policy requests against that proverbial wall enough will stick to make you some darned good money.  Six figures in the first year of full licensing is not unheard of.  It takes work, and it is very possible.  After a few years the residuals make it easy to do provided you keep in touch with your policyholders and give them excellent customer service.
        Before you go to work for any insurance company be sure to ask what the upfront costs are to you.  Do they have any advertising coops you can use?  Are those required?  What are the average business expense for a new agent?  How long does it usually take to get licensed?  Is there a training salary?  Is there a training advance and if so how is it repaid, over what time period?  Knowing up front what it costs and for about how long before commissions start coming in is important and is the question most new agents, those who don't know the agency model, fail to ask.  then they cry rifpoff.
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#2 UPDATE EX-employee responds

Yep, tight wads

AUTHOR: OHara - (United States of America)

Yep, it all sounds so familiar.  In my office, they didn't provide telephones so all calls had to be made from your cell phone.  They also don't provide office supplies such as paper for the copier.  They actually take up a collection from the agents for those supplies! 

I've worked for some start-up operations that had virtually no sales and very little money.  It was understandable that they were tight with their money but LN is an established company with deep pockets and beat them all at being tight fisted.  It is totally outrageous that they can not provide telephones to their sales people!  Oh yeah, they also don't provide desks, only long tables that everyone sits at thus, no drawers for files or supplies.  Their office looks like a telephone boiler room without the telephones!

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At least you found out early!

AUTHOR: surfer69 - (USA)

I was an agent for 9 years with United American. When I first started, the company was great. I was provided with good, solid leads, a positive work environment and great management. Then it all changed.  Then, for some reason, they changed their philosophy and thought it best to mass recruit, make unachievable promises and provide zero training or support. Just be glad you werent there for a long time and made a unit manager. Once I was promoted (i was begged by the manager although I didnt want the position) I had to take new agents out and put ALL the commissions in their name. They had been overpromised to during the mass recruiting session and when it came to them going out on their own, they most often failed. The company kept those overrides and I lost out on thousands of dollars in income. The branch manager NEVER even helped train, go on appointments or anything. As a matter of fact, we would be surprised if he even came out of his office! I thought I was an independent contractor, but I was MADE to go to training in Dallas and Las Vegas and even had to pay my way there. My agents were also made to go and pay their way there and were threatened that they would not be able to go further if they didnt attend. They made things "mandatory" and by law, they werent supposed to. I recently left the company and went to another. The new company is everything UA wasnt. Great management, great support, great products with great prices. I recieved many phone calls from upper management thanking me for joining them and giving me direct lines to call if I ever needed anything. Wow, it's like they actually care about us instead of only caring about how much money we can bring in. Like I said, just be happy you found out early before you lost years of your life with them. By the way, it takes 20 years to be fully vested with UA. I will be 100% vested with the new company in 5. What a difference!
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Branch Manager Todd Baxter Unit Manager Monica Burgess

AUTHOR: they got me too - (USA)

I just wanted to add Monica Burgess's name.  She is the Unit Manager who lies more then she tells the truth and Todd Baxter the branch Manager who may of been the one to teach her all those lies. 
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