• Report: #128917

Complaint Review: American Income Life

  • Submitted: Tue, January 25, 2005
  • Updated: Thu, May 25, 2006

  • Reported By:Vancouver British Columbia
American Income Life
5945 Kathleen Avenue #400 Burnaby, British Columbia Canada

Altig International & American Income Life are committed to resolving such complaints quickly and doing everything possible to satisfy its clients and representatives alike

*UPDATE - Rip-off Report Investigation: Altig International has joined the Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and is committed to addressing and resolving all legitimate complaints. A Rip-off Report independent investigation has shown that the Altig International insurance sales process and the American Income Life insurance products they sell are 100% legitimate - to be expected in a federal, state and provincial regulated industry. In addition, Americ

*UPDATE EX-employee responds: Torchmark Ex-employee Speaks Out...United American Life Insurance, First United American Life Insurance, Globe Life and Accident Insurance, AIL

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Rip-off Report Investigation:: Altig International & American Income Life get a POSITIVE RATING from Rip-off Report and are fulfilling their commitment to resolve all legitimate complaints and address representative issues. Rip-off Report has investigated the company for many months after they contacted us to resolve any issues and misunderstandings being posted by competitors. With over 600 representatives and millions of clients, Altig International & American Income Life are bound to be the subject of a certain number of complaints about improper agent conduct, as well as product and administrative complaints. Rip-off Report's investigation found such complaints, but importantly also found that Altig International & American Income Life are committed to resolving such complaints quickly and doing everything possible to satisfy its clients and representatives alike. They also take appropriate action against any of their representatives who are found to have conducted themselves improperly or unethically. We believe that the number of complaints against this company, whether through the Internet or other channels, is small when put into the context of its enormous size. Most large companies would never commit themselves like Altig International & American Income Life have to Report's Corporate Advocacy Business Remediation & Customer Satisfaction Program. Read our investigative Report and Altig & American Income Life's commitment to 100% consumer satisfaction. www.altig.com provides supplemental benefits and insurance program management services for labor unions, credit unions, associations, and private clients through American Income Life. Altig International has more than 600 licensed associates who serve millions of clients in the U.S. and Canada. Endorsements and praise for Altig International are available for review at http://www.altig.com/OurCompany/Praise.php. Altig International & American Income Life's business opportunity is open to candidates from all walks of life and all Altig associates are eligible to participate in our specialized growth programs including training, mentorship, personal agency building and leadership developmentwww.altig.com/OurAssociates/index.php..

See why you should feel secure and confident when doing business with Altig - 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. ========================== ========================== American Income Life, AIL, Torchmark, Rick Altig preys on both potential employees as well as unsuspecting clients ripoff Burnaby British Columbia I have read several different reports online about this company. Some rebutals but mostly bad things. And after having dealt with them for a period of time as an employee I can say for certain that almost all of the bad things are in fact true. I feel so strongly about this that if any lawsuits are being brought up I am willing to be a part of them. But most important of all, I wish to warn either trainees, employees or clients to not ever get involved with this company. My story is pretty much the same as many others. I had recently moved to BC and was desperate for a job. I was fresh out of University and had bills to pay but no job to help me pay for them. The accounts from AIL stating that a person makes a minimum of $45,000 per year were just too hard to pass up. I mean I had invested in my future in University, why wouldn't I invest some money here. I spent the time (and more importantly the money) on "training materials", passed my tests and passed my training in record time (according to my supervising agents). The next thing I know, I'm getting sent all over the province at my own expense. I'm putting mileage on my car, paying for my hotel rooms and my food out of my own pocket. They tell us all it's a tax write off at the end of the year because we'll all be making so much money. Unfortunately, the only way to make money in this job is to have no morals, be good at lying and immerse yourself in their brainwashing 100%. Everything you do in this company is scripted and you begin to realize that you are pretty much decieving the people they tell you that you're trying to help. During cult-like brainwashing sessions every week, they like to try and make you believe that this is your own business and that you only have to answer to yourself. Not true. You are expected to work 6 to 7 days a week from 9 am to 8 pm. And THEN have training calls with your supervising agent. But the question remains, is the money worth it? No. Unless you are at the top of the food chain you make peanuts. Thanks to the brainwashing I had due to this company, I racked up my credit cards trying to live. All the while thinking of it as an investment in my future. Ya, looking back, I know it was incredibly naive of me but it's amazing the stories these guys weave. And when you try to get out, they all rally around you to try and get you to hang in there. The thing is, I think they believe it themselves. In the end, please do NOT sign on with this company. Don't mess up your future and your credit rating like I did. They threaten you when you don't make enough money for them and when you realize that they've in fact cost you one heck of a lot of money to in fact work for them they threaten you some more with government intervention and tell you that the government will come after you if you don't pay back money that they've never given you in the first place. They lie to get into people's homes. They turn you into a robot. They pretty much suck the life out of you. It's akin to an abusive relationship. And is their product worth it? Once you stand back from it you realize that "no, it really isn't". They fleace potential clients and those who are already policy holders they love the best because they just keep milking them for more. All I can say is that I appologize for any one I hurt during my brief stint with this cult. Don't buy from these people. Don't let them in your door. Don't go to an interview with them. If you have one of their products, I suggest you cancel it and tell them why you are doing so. If you are working for them, get out! Tell others in the company about this site but get out. Don't even wait until you find another job. It's not worth it. Elizabeth Vancouver, British Columbia

This report was posted on Ripoff Report on 01/25/2005 11:42 PM and is a permanent record located here: http://www.ripoffreport.com/r/American-Income-Life/Burnaby-British-Columbia-V4H-4J7/Altig-International-American-Income-Life-are-committed-to-resolving-such-complaints-quic-128917. 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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Updates & Rebuttals

#1 UPDATE EX-employee responds

Torchmark Ex-employee Speaks Out...United American Life Insurance, First United American Life Insurance, Globe Life and Accident Insurance, AIL

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

I've read all of the reports and rebuttals regarding the business practices of the Torchmark Corporation and its subsidiaries.

At the outset, let me say that I am NOT an agent so I have limited perspective regarding potential, current or former agent's experiences; however, it's not difficult to see a consistent pattern given the reports and/or rebuttals that have been submitted here.

I worked at the national call center for these subsidiaries plus others not mentioned, such as Globe Life and Accident. It is not difficult for me to accept the credibility of the complaints this company has received on this site. The less-than-scrupulous business practice seems to be global within the company, regardless of what position an IC (Agent) or a bonafide employee held.

As a call center customer service representative, we are (were) responsible for disseminating correct and accurate information to customers. This information would vary state by state and it was an expectation of the company that we become intimately familiar with many, if not all, aspects of this national business...with two days of training.

The churn rate within the call center is inordinately high. Some, just out of "training" and on their first day on the floor, never returned from lunch. Some, once their "training" was completed, never showed up for their first day of work. Many never returned, as I've been told, after their FIRST day of training.

During my half-year stint at this job (I was desperate, as many who accept a CSR position with this company are), I learned many things. Not all of them good, to be certain. When getting assistance from a member of lower management regarding questions a customer had, at one point I was told not to reveal that an error had been made on the account amounting to several thousand dollars in benefits. The customer had valid questions regarding a complex issue, much too complex for me to fathom accurately alone. However, the crux of the question remained unanswered as I listend to my senior colleague "snow" the customer with irrelevant information and challenges, thusly placing the customer on the defensive ultimately resulting in the customer not pursuing her issues any further.

As of this posting I have filed an hour and wage claim against the company for failure to pay earned wages and will be filing a complaint regarding violation(s) of the ADA.

A Call Center Sweat Shop: Every Monday, the *only* break allowed was a thirty minute lunch break, often after hours of being on the phones. Many Tuesday's were scheduled in the same manner. If anyone has worked in a high volume call center, you understand the amount of stress this places on a worker, both mental as well as physical.

The scope of professional indiscretion, and quite possibly illegal business practices, of this company is broad and is not limited at the Agent level. It appears to be imbedded in the very core of company philosophy.

Sadly, because the insurance plans offered are targeting low or fixed income earners with (most likely) little education beyond the high school level, if even that, the return is extremely lucrative for the company owners.

I once heard someone say, "It may be legal, but that doesn't make it right". Or morally just. In my case, I believe they have broken the law...and that certainly isn't right.

To prospective Agents: If it seems too good to be true, then it probaly is.

To CSR's: Stay Away From Torchmark!
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