• Report: #119190

Complaint Review: National Income Life Insurance - American Income - Local 277

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  • Submitted: Sun, November 21, 2004
  • Updated: Thu, June 01, 2006

  • Reported By:Rochester New York
National Income Life Insurance - American Income - Local 277
1573 East Henrietta Rd. Rochester, Syracuse, New York U.S.A.

INVESTIGATION: American Income Life, National Income Life pledges its commitment to customer satisfaction and Affiliate support. Consumers can feel safe, confident and secure doing business with American Income Life / National Income Life an excellent business opportunity for people who like people and like to make money New York Reason For Parent Company 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 is

*UPDATE Employee: NYC

*UPDATE EX-employee responds: National Income American Income Local 277 FRAUD

*UPDATE EX-employee responds: More Local 277 information found including Fax number

*UPDATE EX-employee responds: found the local 277 AFL-CIO puppets

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*UPDATE, Rip-off Report Investigation:
American Income Life / National Income Life Insurance Company gets a POSITIVE RATING from Rip-off Report and is fulfilling its 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 posted issues and misunderstandings. With over 2500 representatives and millions of clients, American Income Life / National Income Life is 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 American Income Life / National Income Life is committed to resolving such complaints quickly and is doing everything possible to satisfy its clients and representatives alike. The company also takes appropriate action against any of its 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 American Income Life / National Income Life has to Rip-off Report's Corporate Advocacy Business Remediation & Customer Satisfaction Program.

Read our investigative Report and American Income Life / National Income Life's commitment to 100% consumer satisfaction.

American Income Life / National Income Life provides products and services through independent representatives, and has been providing benefits to families for over 50 years. AIL is rated A+ Superior by A.M. Best Company, its second highest rating, for overall financial strength (as of 6/07). American Income Life / National Income Life www.ailife.com and also www.WorkAtAIL.com provides life insurance and supplemental benefits to members of labor unions, credit unions, associations, as well as private clients in all 50 states, the District of Columbia, Canada, and New Zealand.

See why you should feel secure and confident when doing business with American Income Life / National Income Life 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.

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NOW TO THE ORIGINAL REPORT THAT WAS FILED
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National Income Life Insurance - American Income - Local 277 ripoff multi level marketing pyramid lied to me and many others Rochester, Syracuse Hide In A Po Box, Falsely Advertise Under The Name AIL Based Out Of Texas Not Licensed In New York Reason For Parent Company New York

If you want to pay union dues to the local 277 that even shearch engines can't find you can pay them through National Income, if you want to file a grievence good luck finding them, we could not. If you find a list of benefits that a local 277 member gets please post them here. If you want to hear a bunch of empty promises go listen to one of their huge group interviews that claim to be hiring just a couple of the 40 or so invited.

They have them every week. If you like big stories of huge money listen to the whole story. If you have a brain try counting the number of luxury cars in the parking lot. If you see more than one ask who does the other one belong to. If you see a bunch of young stupid kids driving foreign, non union junk cars and driving 1000-1500 miles per week they are the ones who swallowed the story, hook, line and sinker. Check back next month and the cars will be replaced by the new swallowers.

Leads, and no cold calls they promise every two weeks, if they had them people would stay. Many agents go several months without any leads while at the same time the new agents get leads. Second year agents don't have as much value to the managers as a first year agent. The managers make renewals off the business you wrote before quitting, as the managers quit the co-pilots get their renewals and the pilot at the top of the pyramid keeps the most, he drives the nice car, golfs a lot and is way to busy to talk to you. He is recruiting his next pawn.

They even tell their 1099 contract employees how to advise others to vote for Democrats. Pyramids, multi level marketing and chain letters usually do pretty good until people see what is really going on. I wonder why the NYS Insurance department allows them to advertise in NYS under the name American Income Life out of Texas as American Income who is not licensed in NYS. You can find much more interesting reading by typing in American Income Life Insurance Co.under ripoffreport.com. They have been playing some dirty tricks for a long time under that name and a few others. While they brag about being a union company, the girls in the office cry about earning about minimum wage and they use the cheapest non union copy machines that China can build and break every week.

Wonder why the Xerox union wants nothing to do with them? If you list a resume you will be called by one of their many hiring managers and don't worry they can train anyone to be millionaires or refer you on to your next career. They could care less how many families they hurt in their 3 week interview, brainwash process and laugh out loud as the failures leave with tears in their eyes. They get paid if you write one piece of busines. What goes around comes around, and soon they won't be selling their best part of their program, if you bought from them check your policies carefully, they usually sell 2 policies per program and you can keep both or keep one and cancel one, get some advice and see which part(s) make the most sense to keep or cancel. A good financial advisor can sort out the hogwash pretty quickly. Don't stop here keep researching. Wish I did. See similar links for American Income Life Insurance Co.

Homero
Rochester, New York
U.S.A.

sorry, allowing you to give a competitors name would instigate others to just file against their competition, to only come back later to suggest their company your comments on this policy are welcome! CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.

This report was posted on Ripoff Report on 11/21/2004 09:39 PM and is a permanent record located here: http://www.ripoffreport.com/r/National-Income-Life-Insurance-American-Income-Local-277/Rochester-Syracuse-New-York-14623/INVESTIGATION-American-Income-Life-National-Income-Life-pledges-its-commitment-to-custom-119190. 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:
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Updates & Rebuttals

#1 UPDATE Employee

NYC

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

As far as OPEIU local 277, I'm glad that you recieved information on them. If you know how to look up unions throughout the country you would have been able to Google them. I will tell you that I had a grievance and it was followed up on. OPEIU 277 is not just for American & National income. There are many other companys in the local. As far as getting back to you maybe you didn't follow up or follow the right procedures for a complaint. You may have never been in a union before, I have and there are steps to be taken in any grievance including any State.



As far as getting on the phone with the president, well thats not very intelligent if you thought you could without a basic complaint. The company has only 1,800 employees and the union has 8,000 members I don't believe you could get a president of any company to get on the phone with you without doing some basic work on your part. As far as a scam I will tell you that they followed up with me very ifficiently and clearded up my problem as per my union contract. If you don't have one you don't need the president it usually comes to you from the unon with a union card.



If you don't have either of those then your not in a union. The company or area that I work for was up front on my opportunity and what was expected. Not everyone makes it because it is hard work. If you did not then move on whats the scam? Better than sighning up all your friends and family as some comapanies push you towards. And I also get leads when I need them, but I produce.



If you can't make money for any company why would they keep pouring resources into you? Many of you should move onto banks etc. that don't require you to be a self starter. Now this is my experience in NYC so it might be different where you are we have leads here and you get them in the beggining no matter what, but yes after a couple of months if you don't work or can't make it happen they will slow down, but here they help you get another job with a letter of recomendation. If this is not what you experienced then get another job and move on. You can make a 6 figure income here but it's not for everyone.
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#2 UPDATE EX-employee responds

National Income American Income Local 277 FRAUD

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

There is supposed to be a president of a local 277 AFL-CIO by the Name of Becky Turner from Fort Worth, TX that covers the whole country but does not respond to grievances. Lets see how she responds to court orders. The theives and liars take your union dues and it stops there, check for a phone number or address on your so-called Local 277 union card. There is more than one way to skin a cat, or a rat for that matter.
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#3 UPDATE EX-employee responds

More Local 277 information found including Fax number

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

I was told another current employee filed several grievances about a month ago and they have been ignored to date, the fax number is 817-246-2940 and he was told that Becky L. Turner President (and union sister) had received the grievances and would be responding shortly. That never happened. She has not been able to be reached by phone yet at 817-246-4981.This union is affiliated with Southwestern Education Conference- Texas State AFL-CIO - Tarrant, McLennan and Dallas Central Labor Councils, looking for information on them now.



If you find any please share. American Income Life Insurance Company and National Income Insurance Company as well as a few others are owned by Torchmark and run by Roger Smith President and CEO and Chief Executive Officer located at 1200 Wooded Acres Drive Waco, Texas 76710 phone 254-761-6601 and fax 254-761-6670 and e-mail : rsmith@aillife.com

Thanks And have a super day!
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#4 UPDATE EX-employee responds

found the local 277 AFL-CIO puppets

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

Try 641 N. Cherry Lane Fort Worth Texas 76108- 1815. Phone 817 246 4981 and good luck seeing what they will do for your union dues. Trying to find a fax number. Where are their local union stwearts? Are you expected to travel to Texas to file a grievance? Where do I get a grievance form to fill out? Why won't the AFL-CIO web site link to this so-called union? Don't they know what a mockery this is of a union? Can anyone tell me if any grievance has ever been filed with the local 277? From the sounds of it they need union stewarts badly. If you feel you have been burned why not call and mail a letter. If you get no results complain to the real AFL-CIO. They have a web site.
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