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1, Report #194268
Jun 01 2006
11:35 AM
American Income Life - Altog Orlovic employment scam ripoff unsuspecting agents Las Vegas NevadaRip-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 issues from the past, present and in the future. Waco Texas, Nationwide
I am a former employee of american income life insurance under the Altig Orlovic agency. I have never been the victim of a scam until now. I worked there and was promoted to a manager. But not because of the job I was doing but to allow my supervisor to move up. |If this sounds like a pyramid scam it must be. So I asked them if tis was a pyramid scam and they told me no and they did not want to hear about this again. |To make a long story short, I invested alot of my own money into the what they called my business. Not knowing it was not my own business at all. I lost my retirement and alot of time to make up over this loss. This is the scam. Agents are hired when they come up with $112.00. when they work the company and management get the largest cut and then management recodes all the agents production to their selves so the agents sees no renewels and ends up owing the company money. The agents get frustrated and leave allowing the two head fat cats Mr altig and Mr Orlovic to reap alot of profits. I have seen literally hundreds of new employees come and go in a year. Something is wrong there . When I left there were 6 people. Mike Henderson, NevadaU.S.A.
Entity: Las Vegas, Nevada
2, Report #134280
Mar 09 2005
02:00 AM
AMERICAN INCOME LIFE TOTAL SCAM, COST US ALMOST 10 GRAND!! BIRMINGHAM AlabamaRip-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 issues from the past, present and in the future. Waco Texas, Nationwide
I should have known when I went to interview at a WAREHOUSE that this was going to blow up in my face...but that didn't stop me, I was unemployed and needed something right away. Long story short, this company cost my family almost 10 thousand dollars in a 6 month period. Between the 80 hour work weeks that robbed us of our time together, the ragged out car that we eventually had to get rid of and the $10,000 dollar credit card bill--which if we didn't use, wouldn't have HAD Christmas--I can't decide how they SCREWED us the worst. Did I mention it cost me ten thousand dollars? My husband and I thought we were going to lose the house. Every week we could hear the SGA, Allan Jennings, using that same old stale speech about committment and don't work hard, work smart. If ANY of us had worked smart we would have worked our way toward the door. The hiring process...oh Lord...was such a shame to watch new people come in because I KNEW how much I was struggling. I worked there in 2002, and I am JUST now getting my credit card sorted out. The worst of it (aside from that 10k) was that the people they would send you to go see lived in rural areas, union folks who knew the value of a dollar and didn't want to be sold something useless...which if you research AIL, you'll see how many times they've failed to pay out on claims. The people they sent you to see 1--didn't want you there, and 2--didn't want to BUY anything, after all, they were under the impression that they were getting free union benefits. I've actually heard, on more than a handful of occassions, some of our agents getting guns pulled on them because AIL sent the agents to BAD parts of North Birmingham and the like, to deceive people with the old bait n switch tactic. And don't you dare show back up at the office before 9 or 10 pm, because that means you weren't TRYING hard enough. NO benefits, NO paid training, NO car allowance...and as for the guy in NY or wherever it was that got charged 250 bucks for training, you can BET it went into the SGA's pocket. The branch I worked for didn't have the same training fee. These people are convinced that what they're doing is right. It's like an elaborate brain-washing scheme. As luck would have it, they opened another branch in Montgomery, and I am happy to say they are both now closed. This is just a warning to AIL jobseekers anywhere...it's ALL a scam. Marla Birmingham, AlabamaU.S.A.
Entity: BIRMINGHAM, Alabama
3, Report #164195
Nov 11 2005
10:04 AM
American Income Life, AIL, SOUNDS TOO GOOD TO BE TRUE, WELL IT IS! Montreal Quebec CanadaRip-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 issues from the past, present and in the future. Waco Texas, Nationwide
Well first of all thanks to who ever thought of starting this website it saved me a great deal of time and money. I like most of the people here started by being dispirit to have a job and that took me to AIL where they started promising me from the beginning the best future as you've probably read in other comments. Then it started to look too good to be true and this is when they accepted me right away with out asking about neither my references nor my past jobs. FISHY I thought so I went online and suddenly everything started making sense, so I was due for the forth meeting which I think was the last selling pitch ( because this is what it felt like as if someone was trying to sell me something ) and of course I didn't go to it and something out of the ordinary happened ..THEY CALLED ME TO CHRCK AND SEE WHY I DIDN'T COME. What company that respect it self would do such a thing, I felt that I was in the presence a phone marketing type of a company and this is when I was even more sure that I did the right thing by not going. I THANK all of you out there that thought of others and wrote those comments. E.C Montreal, QuebecCanada
Entity: Montreal, Quebec
4, Report #130539
Feb 08 2005
09:44 AM
American Income Life ripoff deceptive job offer thank you all for the heads up Southfield MichiganRip-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 issues from the past, present and in the future. Waco Texas, Nationwide
Thank you all for the heads-up on American Income Life. I just graduated from the MBA program at the University of Detroit Mercy and needed to get back into the workforce. The Sunday night before the Super Bowl I received a call from AIL located in Southfield, MI. I was not impressed with the fact that I was being called at 8:30 PM on a Sunday evening and wondered why a human resources rep was keeping such poor working hours. That and the fact that I never heard about the company led me to turn down an interview. The whole thing seemed sleezy. A week later I received an E-mail asking me to reconsider. I went to the company's website and mulled it over. I went to the State of Michigan's website and researched licensing requirements etc. I figured that this may be worth a try and planned on calling them back. Today I looked up driving directions and decided to surf around looking for more information on AIL before making the call. Thank God I found this site. I read many of the reports and while I am always skeptical about data and sources that may not be substantiated, I am convinced that AIL is a losing proposition. I have three job fairs lined up for next week and to think that I may have passed on them to chase after AIL's ponzi scheme makes me nearly ill. Thanks again to all of you that reported and the site for holding the forum. This site is now on my favorite list. Andrew Warren, MichiganU.S.A.
Entity: Southfield, Michigan
5, Report #149699
Jul 14 2005
09:02 AM
American Income Life Ripoff scam, pyramid scheme, waste of my time London OntarioRip-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 issues from the past, present and in the future. Waco Texas, Nationwide
I'm a recent University graduate, and, as such, am keeping my job options open. I got a call from this company, who had seen my resum on Workopolis and they wanted to call me in for an interview. My interview wasn't an interview at all. They spent a good deal of time selling the company to me, and then finished it up telling me I'd have to pay $600 to train myself. This is after they told me they were a Fortune500 company. Now, how many Fortune500 companies have you heard of that make their employees pay for their own training? I don't know any. If they really wanted me (obviously they just wanted another body) they would be willing to train _me_. John Guelph, OntarioCanada
Entity: London, Ontario
6, Report #69119
Oct 14 2003
08:35 PM
American Income Life Insurance Bogus Recruiting Procedures Raleigh North CarolinaRip-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 issues from the past, present and in the future. Waco Texas, Nationwide
I was laid off from my job at the end of July. I feverishly searched for jobs online and posted my resume on Hotjobs.com as well as a few other sites. In September, I received a phone call at about 7:00 pm from someone who said I am a recruiter and saw your resume on Hotjobs.com. I would like to meet with you to discuss job opportunities. I assumed that this was a recruiting agency who was interested in discussing positions in law since that is what my background is. In any event, I scheduled an interview and arrived for it at 3:00 pm. Much to my dismay, there were about 50 people there and the place was utter chaos. My instincts told me that I should leave but I figured that I had already made the effort to show up. I was given a personality test to fill out and instructed to go into a conference room with the rest of the cattle call. I looked around and saw people of all ages and all walks of life. I am wondering What on Earth am I interviewing for?? I have never in my life seen such a set up. About 30 minutes later, a man came in and introduced himself as the State Director. He was extremely difficult to understand as English is not his first language. He launches into his spiel about how he was a physician, specifically a radiologist, who was interested in a career change some years ago and tried his hand in the insurance field through American Income Life. He also proceeded to talk about the insane amount of money that he made right away with what sounded like little or no effort. He said that the company provides you with leads so you will never have to prospect or cold call. He talked about how this company has an EXCLUSIVE business relationship with all labor unions to provide them with insurance. This immediately sent up red flags. I used to do work on behalf of Union Labor Life Insurance and knew that they are a huge provider for the unions. The rest of the 2 hour presentation talked about the huge amounts of money that everyone allegedly makes there. I have never heard of such a thing but I definitely sensed it was a MLM scheme since the guys on the top of the ladder siphon off the brunt of the profits. Then it got kooky. I wanted to go home at this point but did not want to be rude and walk out during the presentation (although a few other wise people did). He wrapped up the session and said he was going to conduct one on one interviews. If you passed the personality inventory, you would be sponsored to take the state licensing exams (You must pay for that yourself). I was trying to slip out once the meeting broke but he wanted to interview me first. Again, I did not want to be rude. Remember how he was a physician?? His door nameplate said his name followed by Ph.D. If you are a doctor, wouldn't you put MD???? He scored my personality inventory and, of course, I was perfect for the job although I have absolutely zero experience in the insurance field. At this point, I had no intention of following through with this but was going to sit through the rest of the interview. This is the part that makes me particularly ill. After he gave me the form that listed the company as the sponsor for the insurance exams, he looked at me and said you are a very beautiful woman. I have NEVER in my entire life had someone say something like that during an interview! I was apalled. I can't imagine what the females who work in that office go through. I know I have rambled here but this company is BOGUS and unprofessional. They don't give a damn about insurance or the people they sell this crap too. I came home that day and did research and you would not believe the number of postings that literally mimic mine and the others listed here. It is a tough economy and this company is preying on people who are unemployed and feeling undervalued. I would flip burgers at McDonald's before I would work for such a shameless, fraudulent organization. Steer clear of these people. Jenn Raleigh, North CarolinaU.S.A. Click here to read other Rip Off Reports on American Income Life Insurance
Entity: Raleigh, North Carolina
7, Report #87256
Apr 09 2004
10:51 PM
American Income Life Thievs ripoff Camp Springs MDRip-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 issues from the past, present and in the future. Waco Texas, Nationwide
Hopefully I will be able to save those who even consider joining AIL. 1st they will call you about a Managerial position. Then they won't answer questions, but instead depend on you to join others in a group interview. This is your 2nd interview. After which, the SGA State General Agent will come in and explain how he was Fired as a Commissioner due to the snow - same script for all interviews. He generally wears expensive clothes, and drives an expensive car. He will draw a diagram on the chalk board, showing how much you can stand to make. DON'T BELIEVE IT FOR A MINUTE. They use people - promise lifetime residuals. But, once you leave - they allow all the policies you have written to lapse - then the immediate manager recodes the business to themselves. By the way, the manager is his brother in law, and the secretary is his wife. DON'T WORK FOR THEM AND SPREAD THE WORD! Jean Clinton, MarylandU.S.A.
Entity: Waco, Texas
8, Report #190439
May 08 2006
09:30 AM
American Income Life Bill Heath Agency misleading hiring practices dishonest sales indifferent management Jeffersonville IndianaRip-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 issues from the past, present and in the future. Waco Texas, Nationwide
I had never heard of American Income Life until I had received an e-mail message stating interest in my online resume. The first message went disregarded. I don't have one bit of educational experience in marketing, sales, or business, so I was confused as to why they would want me. The second message came, and I thought I would give it a shot. The interview process was highly inconvenient, as I had to commute over an hour and a half and take a day off of work to attend three separate occasions. The first was just a sit-down with my resume. The second was a group interview, and the third was a confirmation interview. At that confirmation interview, I was told of the unlimited income potential and I had dollar signs in my eyes. Now, this job requires a little bit of driving, and I was okay with that. And basically, over the next week, I was to learn that the money would just make itself. These union families want the insurance, and we just have to sign them up and get some referrals. Even my standards were low. I would have to average three sales a week to make about as much as I would make as a counselor. That was good enough for me, and it sounded like a cakewalk. I stayed with my mom to save gas on the commute during training work, but I was still filling up once every few days. I spent a few days training with a field supervisor who let me have a couple of sales. And, really, the rest of the time was spent learning on-the-go. I was actually displeased with a lot of my early experience because I didn't feel prepared enough for it -- that includes people who already have policies, people who were clearly not interested in getting insurance, and people who didn't even remember hearing about the union insurance in the first place. I got more than enough irate responses. But that wasn't enough for me. The money was there, and every Friday morning meeting would be an insistence that the money was there, despite having a faulty phone room or a misleading script or a baiting proposal before you sink 'em with the real plot. And I kept holding out for the money. The way feedback had been administered, it's my own fault if I make or break myself in this position. That's just not entirely true. After reading about various accounts here, I realized that AIL does its best to bait you into staying. You'll get good, productive leads every few weeks. They're spaced that way so that, when you're on the verge of leaving, you have a good money day that makes you want to stay. Psychologically and economically, that's really taxing and painful and stressful as all get out. Let me just summarize from here: MISLEADING STATEMENTS The interviewing team claims that you make a base (I repeat, BASE) salary of -- last I heard -- $60,000 to $75,000 a year, but you are solely paid on commission. There is NO salary associated with this job. You have to make your earnings week to week, and you are not reimbursed for any expenses. Allegedly, you're entitled to reimbursement at tax time, but you still have to wait a full calendar year to take advantage of that. You are not reimbursed for the licensing materials and preparation costs. Prepare to spend at least $75 for a home-study course and $260 for an insurance license, and that's if you pass the exams the first time. One former co-worker revealed that she failed the test three times before passing. The interviewing team also claims that this job brings instant promotion potential, but you are only promoted if you recruit underlings. You move into management positions at THEIR expense. You describe yourself as a Benefits Coordinator of the family member's union until you actually say you're a representative of American Income Life. Sometimes, you say you're from Globe. What?! Yes. Contrary to AIL's claim that they do no advertising but have been in business for 80 years, they DO their mass mail advertising under the name Globe Life. You collect canned goods for a Union Food Bank; however, all the food I've collected is still sitting in the back room of the agency among the office supplies. AIL won't extend any good faith efforts to you if you're hospitalized because of sickness or the car breaks down or whatever. In fact, the agency will make an adamant refusal to reimburse for any unforeseen incidents that compromise your ability to work. You're told to give feedback on your training experience. Feedback consists of a sheet only indicating all the things you didn't learn on the job. Leads are free, but they are recycled from a database consisting of refusals, do not calls, former customers, lapsed customers, and so forth. If you want people to set your appointments, you have to pay $300 a month for the service in advance, even if you don't generate anything in sales revenue. You HAVE to seek out some other way to earn money. You need a part-time job to supplement your nonexistent insurance income, and that's just hard to do with a 60- to 70-hour workweek. Your managers insist that you call them should you have any problems or need to ask a question. They are NEVER available. I have two of them, and the many, many times I needed to ask a question -- right there in the home! -- they weren't around. Furthermore, when I expressed having some difficulties with the job and that I was really stressed over not making any money, my manager blamed me for the problem. He said that I probably wasn't sticking to the script. Of course, if someone tells you that this is the FOURTH time they've been seen and they want to know if we're a legit operation, what CAN you say to that again? Finally, he let out some inspirational story about having a car, mortgage, wife, and three kids to support on the verge of bankruptcy and how this job saved his life. Come off it already! Once you add up all the expenses you incur in gasoline, dining out on the road, car maintenance, office supplies, and so forth, you'll soon realize that you're making way less than you thought. The sickening irony is that I thought I wasn't making anything waiting tables at a restaurant. Five nights a week, even with slow nights, I was making over 25% more income and NOT driving hundreds of miles a week. In short... Don't let the pipe dreams, the dollar signs, and the empty promises compel you to work for this company. I don't have any problem with the actual insurance products. To be honest, anything bad you could say about life or health insurance problems is probably applicable across the board. I gave this job a fair shot. Not only am I not a fan of sales professions in general (yet I'm a waiter, go figure), but I really, really disliked the hiring procedures, the dishonesty, and the falsehoods being spewed out of this company. I got scammed. I just don't want to see anyone else waste their time or money on something that isn't as surefire as they would have you believe. Dee Lexington, KentuckyU.S.A. Click here to read other Rip Off Reports on American Income Life Insurance
Entity: Jeffersonville, Indiana
9, Report #133459
Mar 02 2005
01:57 PM
American Income Life Kind of ripoff Brooklyn New YorkRip-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 issues from the past, present and in the future. Waco Texas, Nationwide
I am so glad to get those precious info. I was dying in thinking that I was alone in those bad experience: Waste time, money and energy in those fake interviews (even I'm living day to day without any resources and overdrawn my account every 2 weeks for nothing). I think that I know all Companies in NY - New Jersey and White Plains which doing that: Fool people and tread on your dreams using speech and career opportunity. Even you did open my eyes definitely, Still wondering WHY THOSE PEOPLE HAVE THE SAME LANGUAGE? DID THEY WENT TO A SPECIAL COLLEGE? Sincerely, I am on the way to become really crazy!!! After I got lay-off on my first job in NY last year as a Computer Clerk, I start a new full time job which is looking for a new job. Because,I used to be a Sales Manager in my born country,I always look for sales position in the Internet and had subscribed in the major websites like MONSTER, CAREER BUILDER,YAHOOHOTJOB, ETC First of all, I start going every day door to door in order to fill at list 10 applications a day, instead in Manhattan. And then I changed my strategy. I send about 40 resume a day via Internet. I now get some results in receiving many phone calls. Always Business attire and a lot of personality test. A few interviews, and commonly no specific background or prerequisites(I think everybody is pre-qualified), growth opportunity, millions of branches, making astronomical Number of money, Usage of positive thoughts and Charismatic speech (really attractive, especially for sensitive people like me), nothing about your salary which come from commissions (only), and the famous unpaid training which put you directly on the job. A few hours ago (2:30pm (ET)on 03/02/05), I went to one of those exciting interview with a senior Manager (Theodore Pappas) of American Income Life co. in Brooklyn. It was my first interview,and for the first time I saw only 3 people coming for interview like me, the Manager was really professional and after he gave me another appointment for Friday in Long Island with the Director, I felt very happy and start dreaming. Even it was the same speech. The only thing that he noticed and looks interesting for me was I won't have to do any prospecting and the Company won't give me any pressure for a specific Number or quota. Everything looks like I'll have the opportunity to make a lot of money without working hard. Nevertheless, he did not speak about money or benefits which will be provided in the next interview. Anyways,I noticed the word COMPENSATION that he used, which word is a little confusing for me. I don't really want to assume anything (or do speculations) about this company, but I'm pretty sure that all smart readers and smart job seekers in The USA should pay attention to the other testimonies that I read about this Company and other in this website because they smell and tell the TRUTH. Thanks to all of you for preventing me and helping me to not waste another time with those evil people. Definitely,I think the Establishment should take care of those Companies and people should stop to react to those insane ad or applications. Briefly, a slight report about my funny and really bad experience: Marketing FX (Fairfield, New Jersey): This Company has a lot of open positions in Monster.com for entry level Marketing representative. Characteristic: A few interviews, growth opportunity (no money at all; lucky people probably make only commissions). BETTER WORLD REALTY (Real estate company in Queens): Obviously they offer you a job. But when you get there, after filling their application and meet your assigned Manager,They send you on a Training ($15 for documentation) for 2 weeks or less (Which I went to) and then (after graduation) they ask you to create your own schedule and to creating your network in order to get sales and study for your REAL ESTATE LICENSE (very funny). I personally remember that the president of this Company promised a basic salary after graduation. They did not give a penny. Now, They expand their bureau in Brooklyn. Unfortunately, this Company has obtained the record in quantity of people that I met in their bureau who come for work and they also paid the $15 fees. (Even after the training started, people from all backgrounds and personalities were still coming). Anyways, I haven't a big grief against that Company because they gave me a souvenir for my money (my 1st Certificate in USA SALES TECHNIQUES, which I could also use to fool some employers, isn't interesting?) COMQUEST MARKETING (Whiteplains, NY): Personal Interview (1st day), unpaid training on the job (next day): Go to small business and offer them new products, like credit card machine. Work only for commissions. And then start your adventure. IBS-Verizon authorised dealer (NY-NY): 1 interview, 1 day unpaid training, go door to door. Only after the training day they give you the important information: Commissions only (I spent 1 week and half with them, killing myself and questioning my abilities because I did not make sales). Anyways, I thank them for all big thoughts (PHILOSOPHY) I stole from them. American Express Financial Advisor (NY-NY): They are a little more direct. 1 workshop and math test(1st day), personal interview (next day), and few other marketing test on the other days. This long process for what? A long way without any kind of salary,wages,or even draw. Go to training 6 days a week (from 8:30am to 8:00pm). Then try to get some important licences (Life insurance included) after 60 to 130 days. And then, start another 10 weeks for $6.60 per hour and $9.90 for overtime)- Still have pre hired status, and then get a bi-weekly salary of $910.00, etc. I'm a Single immigrant without kids, but I still asking myself what kind of professional would accept to follow up on that? Anyways,it's funny to see How people are simultaneously insane and crazy in this Country (My forgiveness, but I'm really tired and confused). IMPORTANT TIP (from my experience): If an employer is not able to give you some specific information about a position over the phone (before interview) don't waste your time, it's really a SCAM MER. Otherwise, don't be too professional. I've learned before that benefits and money are not suppose to be included in the first interview, believe me you better use your tact and get that information ASAP rather than waste your time in a big series of interview. Once again: THANK YOU SO MUCH FOR YOUR PRECIOUS HELP AND I HOPE THOSE INFO WILL HELP YOU TO BETTER FIGHT AGAINST THIS CORRUPTION. Madsnun New Jersey, New YorkU.S.A. Click here to read other Rip Off Reports on American Income Life Insurance
Entity: Brooklyn, New York
10, Report #1034479
Sep 08 2004
10:44 AM
AMERICAN INCOME LIFE is a rip-off! HARRASSING UNETHICAL RECRUITING PRACTICES. RICHMOND VirginiaRip-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 issues from the past, present and in the future. Waco Texas, Nationwide
This company is the pits. You know a company is LAME when they call you begging for an interview, then they want to give you no information about the job, as if you are just that desperate to accept anything that comes up. I don't know WHO they get to actually show up for interviews when they release no salary information, and no information about the job itself. They call up and tell you that they are calling because their 'regional manager found your resume on MONSTER.COM. They then waste a half hour of your time asking typical recruiting questions. When you ask them about hte job - they say we cannot release any information until you interview with us, as if people (especially employed) wish to take a day of their time to enter the twilight zone. A qualified professional simply does not do this, which is why I am insulted they even thought they could pull a wool over on me. I think they prey after those in rural areas and also those without college degrees, as they lure you by claiming a substantial income. After I looked at their website, it was evident it was a sales position. My resume clearly does not indicate that I am interested in sales, though they told me how impressive it was, and that I was the perfect candidate. After cancelling the interview I initially set up via e-mail (which was courteous on my part) I was harrassed several times by one of their office reps (KEESHA DESKINS). I received several e-mails telling me that i wasn't qualified anyway, etc. I finally told her if I heard one more word form her, I would ensure she lost her job. Low and behold, a couple of weeks later, I check my voice mail messages and get another one of their associate's calling me with the same line My regional manager pulled your resume off of MONSTER.COM etc. etc. If teh regional manager was pulling resumes, it would be evident after my first experience that I am NOT interested. They obviously do not conduct proper record-keeping, or consult with their counterparts about goings-on in that office. I have read a lot about this SCAM and i strongly discourage anyone from wasting their time with this company. They appear to be a one-man shop, with a few lackees who claim to be HR MANAGERS, who do nothing but print resumes all day and pester people to come in for a group interview. Alexandra Colonial Heights, VirginiaU.S.A.
Entity: RICHMOND, Virginia
11, Report #1306530
May 19 2016
10:05 AM
American Life Income Johnny Ly false advertising for a great job west orange New Jersey
This place says you can make 50k in a year.   Selling insurance to union people.  Or you can become a supervisor and make 65k-90k or a manager  and make 756k-110k or a general manager and make 200k-300k.  All this  is done selling insurance if tis was tru no one would ever leave the company and then wouldn't try to hire 10+ people in a week.  Also they are unwilling to pay using a w2.  The irs says that companies that are unwilling to pay using a w2 are usally hiding something.  If you start reading about it.  People you get paid using a 1099 don't get any benefits.
Entity: west orange, New Jersey
12, Report #216101
Feb 13 2013
08:54 AM
Ripoff Report REVIEW: American Income Life / National Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program (CAP), and submit to independent investigation. American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. Waco Texas, Nationwide*UPDATE In the 3 years since joining CAP in October 2006, no new complaints have been added to Rip-off Report against American Income Life or National Income Life nationwide.
SPECIAL UPDATE: February 13 2013: American Income Life remains committed to increased customer satisfaction and has improved their business practices over the years to better serve their customers. American Income Life is truly dedicated to making sure their customers are satisfied and that any complaints which do arise are addressed promptly and fairly.To date, American Income Life has made good faith efforts to resolve all complaints reported on Rip-off Report. Based on our experience, the member business has proven to be among the top members of the Rip-off Report Corporate Advocacy Business Remediation and Customer Satisfaction Program as a Verified Safe Business. Over time and since becoming a member, American Income Life has remained actively engaged and improving the way they address customer service complaints. As an active and current member of the Rip-off Report Corporate Advocacy Business Remediation and Customer Satisfaction Program we are happy to report that now more than ever American Income Life remains committed to improving customer satisfaction.Remember, no company or individual can ever satisfy 100% of the people 100% of the time. There are no products or services that will always be perfect for everyone and even the best companies will receive complaints from time to time. However, by participating in the Corporate Advocacy Program, the member business has made a commitment to working with its customers to resolve complaints quickly and fairly whenever possible.Please keep in mind that as a consumer you have some responsibilities as well. Success has many definitions that based on your past experiences, current situation and your perceived expectations. Success with any product or service is always based on the proper application and understanding. The fastest car will not run if you never turn the engine on. Look at how you used the product or service that was provided in relation with the instructions that you received. The Corporate Advocacy Business Remediation and Customer Satisfaction Program will help you get your voice heard but please be prepared with documentation and fair representation of your concern, also have an idea of how the company can fix your concern. Can they offer additional services, extend warranties, offer a fair refund or just get you talking with someone that can help. ..let them know and let us know!*Any consumer not receiving satisfaction from a member of the Corporate Advocacy Program should email us at editor@ripoffreport.comRipoff Report Verified .. part of Ripoff 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..American Income Life / National Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program. ..A long name for a program that does a lot for both consumers and business a like. 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. As a matter of policy, when Rip-off Report is retained by a company to mount an independent investigation and to publish our findings, we examine the truthfulness of the consumer complaints using every bit of information at our disposal. Our process is systematic and highly effective because: 1) It takes place at the consumer level and 2) the company or individual in our Corporate Advocacy Program must commit to 'doing whatever it takes to make things right with their customers.' By working closely with the company or individual, Rip-off Report can track the footprints left behind when their promised level of customer service is actually followed by the solid ground of real behavior. Only then do we publish our findings.ALL COMPANIES GET COMPLAINTS, BUT HOW THE COMPANY HANDLES THOSE COMPLAINTS, SEPARATES GOOD BUSINESSES FROM BAD BUSINESSES....A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business.Rip-off Report Investigation on American Income Life / National Income Life:American Income Life / National Income Life have contacted Rip-off Report, wanting to address complaints on Rip-off Report. The companies have pledged to resolve all legitimate complaints.Every company receives complaints, and with agency offices throughout all of North America, the number of complaints American Income Life / National Income Life has received is few. However, American Income Life / National Income Life has made a commitment to 100 percent resolution of all legitimate complaints. American Income Life / National Income Life agrees with Rip-off Report that even one complaint is one too many.After speaking with executives from American Income Life / National Income Life, it is clear that they are dedicated to helping their associates achieve their dreams, and will not allow a legitimate complaint to go unresolved.American Income Life / National Income Life encourages all complaints to be addressed by email to: jmsvacina@ailife.comAmerican Income Life / National Income Life ATTN: CAP Department P.O. Box 2608Waco, TX 76797-2608U.S.A.Rip-off Report has discovered that American Income Life / National Income Life has at least a 50-year successful track record of delivering insurance services and solutions to their clients. Also American Income Life is a subsidiary of Torchmark Corporation (traded publicly under symbol TMK) and has recently been rated A+ Superior by AM Best, the organization recognized by the U.S. Securities and Exchange Commission for assessing the financial strength of insurance related organizations and the credit quality of their obligations. Learn even more about American Income Life by visiting www.ailife.comRip-off Report cannot guarantee the integrity or success of any company or product. Rip-off Report cannot vouch for American Income Life / National Income Life, as we do not have any first-hand knowledge / experience of their companies and systems. Rip-off Report can only go by what companies tell us they will do. We do know they have made a commitment to satisfy all legitimate complaints - past, present and in the future. If you discover American Income Life / National Income Life did not do what they say they would, please contact Rip-off Report. Member businesses not following through with their stated commitments to complete resolution would be removed from the Corporate Advocacy Program.Rip-off Report is always working harder for you, the consumer, so you can feel confident about what to look for when dealing with a company or individual. Remember, just because a company or individual is reported on Rip-off Report does not mean you should not do business with them. Use Rip-off Report information as a tool to your advantage, so you know what to look out for when dealing with that company or individual. No company is perfect.Be sure to contact us with your questions and comments about any business that is on the Corporate Advocacy Business Remediation and Customer Satisfaction Program. Your questions, comments and suggestions are always welcome and will be considered even if we don't agree with them. Please realize Rip-off Report is chartering in new territory, working to make a change for both consumers and businesses alike.Please, let us know about your new experiences with American Income Life / National Income Life.Sincerely,ED Magedson - Founder EDitor@RipoffReport.com badbusinessbureau.com www.ripoffreport.comTempe, ArizonaU.S.A.
Entity: Waco, Texas
13, Report #1134762
Apr 28 2014
07:49 PM
Ripoff Report REVIEW: American Income Life / National Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program (CAP), and submit to independent investigation. American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. Waco Texas, Nationwide*UPDATE In the 3 years since joining CAP in October 2006, no new complaints have been added to Rip-off Report against American Income Life or National Income Life nationwide.
SPECIAL UPDATE: April 28 2014: American Income Life remains committed to increased customer satisfaction and has improved their business practices over the years to better serve their customers. American Income Life is truly dedicated to making sure their customers are satisfied and that any complaints which do arise are addressed promptly and fairly.To date, American Income Life has made good faith efforts to resolve all complaints reported on Rip-off Report. Based on our experience, the member business has proven to be among the top members of the Rip-off Report Corporate Advocacy Business Remediation and Customer Satisfaction Program as a Verified Safe Business. Over time and since becoming a member, American Income Life has remained actively engaged and improving the way they address customer service complaints. As an active and current member of the Rip-off Report Corporate Advocacy Business Remediation and Customer Satisfaction Program we are happy to report that now more than ever American Income Life remains committed to improving customer satisfaction.Remember, no company or individual can ever satisfy 100% of the people 100% of the time. There are no products or services that will always be perfect for everyone and even the best companies will receive complaints from time to time. However, by participating in the Corporate Advocacy Program, the member business has made a commitment to working with its customers to resolve complaints quickly and fairly whenever possible.Please keep in mind that as a consumer you have some responsibilities as well. Success has many definitions that based on your past experiences, current situation and your perceived expectations. Success with any product or service is always based on the proper application and understanding. The fastest car will not run if you never turn the engine on. Look at how you used the product or service that was provided in relation with the instructions that you received. The Corporate Advocacy Business Remediation and Customer Satisfaction Program will help you get your voice heard but please be prepared with documentation and fair representation of your concern, also have an idea of how the company can fix your concern. Can they offer additional services, extend warranties, offer a fair refund or just get you talking with someone that can help. ..let them know and let us know!*Any consumer not receiving satisfaction from a member of the Corporate Advocacy Program should email us at editor@ripoffreport.comRipoff Report Verified .. part of Ripoff 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.. American Income Life / National Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program. ..A long name for a program that does a lot for both consumers and business a like. 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. As a matter of policy, when Rip-off Report is retained by a company to mount an independent investigation and to publish our findings, we examine the truthfulness of the consumer complaints using every bit of information at our disposal. Our process is systematic and highly effective because: 1) It takes place at the consumer level and 2) the company or individual in our Corporate Advocacy Program must commit to 'doing whatever it takes to make things right with their customers.' By working closely with the company or individual, Rip-off Report can track the footprints left behind when their promised level of customer service is actually followed by the solid ground of real behavior. Only then do we publish our findings.ALL COMPANIES GET COMPLAINTS, BUT HOW THE COMPANY HANDLES THOSE COMPLAINTS, SEPARATES GOOD BUSINESSES FROM BAD BUSINESSES....A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business.Rip-off Report Investigation on American Income Life / National Income Life:American Income Life / National Income Life have contacted Rip-off Report, wanting to address complaints on Rip-off Report. The companies have pledged to resolve all legitimate complaints.Every company receives complaints, and with agency offices throughout all of North America, the number of complaints American Income Life / National Income Life has received is few. However, American Income Life / National Income Life has made a commitment to 100 percent resolution of all legitimate complaints. American Income Life / National Income Life agrees with Rip-off Report that even one complaint is one too many.After speaking with executives from American Income Life / National Income Life, it is clear that they are dedicated to helping their associates achieve their dreams, and will not allow a legitimate complaint to go unresolved.American Income Life / National Income Life encourages all complaints to be addressed by email to: jmsvacina@ailife.comAmerican Income Life / National Income Life ATTN: CAP Department P.O. Box 2608Waco, TX 76797-2608U.S.A.Rip-off Report has discovered that American Income Life / National Income Life has at least a 50-year successful track record of delivering insurance services and solutions to their clients. Also American Income Life is a subsidiary of Torchmark Corporation (traded publicly under symbol TMK) and has recently been rated A+ Superior by AM Best, the organization recognized by the U.S. Securities and Exchange Commission for assessing the financial strength of insurance related organizations and the credit quality of their obligations. Learn even more about American Income Life by visiting www.ailife.comRip-off Report cannot guarantee the integrity or success of any company or product. Rip-off Report cannot vouch for American Income Life / National Income Life, as we do not have any first-hand knowledge / experience of their companies and systems. Rip-off Report can only go by what companies tell us they will do. We do know they have made a commitment to satisfy all legitimate complaints - past, present and in the future. If you discover American Income Life / National Income Life did not do what they say they would, please contact Rip-off Report. Member businesses not following through with their stated commitments to complete resolution would be removed from the Corporate Advocacy Program.Rip-off Report is always working harder for you, the consumer, so you can feel confident about what to look for when dealing with a company or individual. Remember, just because a company or individual is reported on Rip-off Report does not mean you should not do business with them. Use Rip-off Report information as a tool to your advantage, so you know what to look out for when dealing with that company or individual. No company is perfect.Be sure to contact us with your questions and comments about any business that is on the Corporate Advocacy Business Remediation and Customer Satisfaction Program. Your questions, comments and suggestions are always welcome and will be considered even if we don't agree with them. Please realize Rip-off Report is chartering in new territory, working to make a change for both consumers and businesses alike.Please, let us know about your new experiences with American Income Life / National Income Life.Sincerely,ED Magedson - Founder EDitor@RipoffReport.com badbusinessbureau.com www.ripoffreport.comTempe, ArizonaU.S.A.
Entity: Dallas, Texas
14, Report #41342
Apr 05 2011
09:40 PM
American Income Life Scam Review | Complaints INVESTIGATION: American Income Life, National Income Life dedicated to helping associates achieve their goals; feel safe confident & secure doing business with AIL & NIL, they will not allow a legitimate complaint to go unresolved. ALL COMPANIES GET COMPLAINTS - HOW THE COMPANY HANDLES THOSE COMPLAINTS SEPARATES GOOD BUSINESSES FROM BAD BUSINESSES. Waco Texas Nationwide*UPDATE : American Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and submit to independent investigation. American Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future.
SPECIAL UPDATE April 5 2011: American Income Life remains committed to 100% customer satisfaction and has drastically improved their business processes over the years to better serve their customers. American Income Life is truly dedicated to making sure ALL customers are happy. American Income Life continues to show customer service is of the utmost importance and they currently have no complaints! To date, American Income Life has addressed and resolved all reported complaints, which have always been resolved to the complete satisfaction of their customers. American Income Life proves to be among the top members of the Rip-off Report Corporate Advocacy Business Remediation and Customer Satisfaction Program, as a Verified Safe Business. American Income Life has remained actively engaged and improving the way they address customer service complaints. Rip-off Report has confirmed that American Income Life is no fraud, is not a scam and is of the highest integrity. As an active and current member of the Rip-off Report Corporate Advocacy Business Remediation and Customer Satisfaction Program we are happy to report that now more than ever American Income Life remains committed to customer satisfaction and gets our top Verified Safe endorsement. *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.===================== NOW TO THE ORIGINAL REPORT THAT WAS FILED =====================American Income Life Employment Scam ripoff big pyramid scheme type of scam Burnaby British ColumbiaI received a call from a Denise from ALTIG International tonight. She stated she had found my resume on monster.com. She asked me a few questions and then she said they were hiring 'managers' and immidiately the red flags went up! Several months ago I received a similar call from some person at Primerica stating they were opening new offices near Vancouver BC. I did some poking around on the 'net, and discovered they were just a big pyramid scheme type of scam.I told this Denise at Altig that I was pretty sure it was all a SCAM as i had NO managerial experience whatsoever! she got kind of flustered at that, and she gave me their website address. BIG MISTAKE!!DON'T BECOME AN ALTIG VICTIM! REMEMBER! if it sounds too good to be true, it probably is!!!!!Lalania Surrey, British ColumbiaCanada
Entity: Burnaby, British Columbia
15, Report #127713
Jan 17 2005
01:15 PM
American Income Life ripoff I am certainly glad I did some research before showing up for this interview Kansas City MissouriRip-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 issues from the past, present and in the future. Waco Texas, Nationwide
Hello, Thanks to everyone out there that wrote reports about this company and saved me from the potential loss of time,money and other opportuynities. I recently returned from Northern Virginia. I had worked as an intern and then a full time paid hire for the House Small Buisness Commitee. I was a Poly Sci grad and I really enjoyed my work on The Hill. However, It was quite simply ruining my relationship with my Fiance back in KC (my hometown). While the House was in Session, I was lucky if I got the opportunity to talk to her just breifly before I passed out each night. So before Christmas I decided that I would return to KC and seek work. Anyone that has been recently looking for work in KC can attest to the fact the the job market here is abysmal, at best. After several disapointments in a row, I was contacted by a gentelman by the name of Sam, who told me that he had viewed my resume on Monster.com, and would love to talk to me about the opportunities to make big money etc. I was skeptikal at first, since none of my qualifacations even remotely lend itself towards selling insurance. Being the inquisitive person that I am, I did some research today before my interview that is supposed to happen tomorrow moring, and that led me here to this site. Needless to say, I will not be in attendance for tomorrows so called interview. I really appreciate all the insight, as you have saved me from potential calamity. I know its tuff going for alot of us recent grads, but I hope that all of us will eventually find work in an honest and ethically run company. Good Luck To All!!! Rob Independence, MissouriU.S.A.
Entity: Kansas City, Missouri
16, Report #127715
Jan 17 2005
01:29 PM
American Income Life ripoff THANKS I am certainly glad I did some research before showing up for this interview Kansas City MissouriRip-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 issues from the past, present and in the future. Waco Texas, Nationwide
Hello, Thanks to everyone out there that wrote reports about this company and saved me from the potential loss of time,money and other opportuynities. I recently returned from Northern Virginia. I had worked as an intern and then a full time paid hire for the House Small Buisness Commitee. I was a Poly Sci grad and I really enjoyed my work on The Hill. However, It was quite simply ruining my relationship with my Fiance back in KC (my hometown). While the House was in Session, I was lucky if I got the opportunity to talk to her just breifly before I passed out each night. So before Christmas I decided that I would return to KC and seek work. Anyone that has been recently looking for work in KC can attest to the fact the the job market here is abysmal, at best. After several disapointments in a row, I was contacted by a gentelman by the name of Sam, who told me that he had viewed my resume on Monster.com, and would love to talk to me about the opportunities to make big money etc. I was skeptikal at first, since none of my qualifacations even remotely lend itself towards selling insurance. Being the inquisitive person that I am, I did some research today before my interview that is supposed to happen tomorrow moring, and that led me here to this site. Needless to say, I will not be in attendance for tomorrows so called interview. I really appreciate all the insight, as you have saved me from potential calamity. I know its tuff going for alot of us recent grads, but I hope that all of us will eventually find work in an honest and ethically run company. Good Luck To All!!! Rob Rob Independence, MissouriU.S.A.
Entity: Kansas City, Missouri
17, Report #151531
Jul 27 2005
07:31 PM
American Income Life, JoMann & Associates, OPEIU Local 277 Missinformation, Misrepresentation of job and pay Ripoff La Crosse WisconsinRip-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 issues from the past, present and in the future. Waco Texas, Nationwide
I began my 'venture'on June 7, 2005, when I responded to an add. They immediately requested an interview. Of course, that turned into 3 interviews. I quit my temporary job and went to insurance school. It took me 2 weeks to pass my tests and get my lisence. Then I got my training material. They wouldn't let you read the whole manual. Just one page at a time. It will confuse you to read the whole thing. Just memorize one sentance and one page at a time. You are not allowed to ride until you have memorized word for word, exactly, what is in their scripts and presentations. Even if you understand the product and can present it in your own words, you are not allowed to do that. It is now July 27 and I am still struggling with the exact memorization of the words, hence I am not allowed to ride. I am expected to go to meetings on Mondays and Friday that are all day. I am expected to make appointments for agents going out... part of training, or course. Then last week at the Friday meeting I am informed we are taking a road trip. We were to be ready Sunday morning.... and were to be gone until late Wednesday. It was all paid for. I was told to leave my cat alone for that entire time without someone to tend her.... just leave food and water. I didn't go. Instead I have spent that time researching deeper into the company and I found this site and Mark Colbert's site also. I will not be returning to the company. I am going to get my contract back and 'resign'. The one time I was allowed to ride I learned that the HIV test they give is represented as a tobacco test. That is when my alarms really began in force. I was never told in the initial interviews that my tattoos would be a problem. Then just last week I was praised at how well I had hidden the tatt around my neck and did I have long sleves to cover the one on my wrist? There are many other employees who show their tatts and piercings. Since I am so very new to insurance I'm sure there are other things unethical and misrepresentation going on. Oh yea, I was told a month ago we have a Mandatory State Meeting July 29 (which I'm not going to make since I haven't made a dime). When I called the State IC offices they had no idea what that meeting was. Turns out it is mandatory via JoMann & Associates who is AIL's State general agent's company. I truely believe this company is misrepresenting their product and cheatig their agents by calling them independent contractors when the State Labor Board and the IRS consider their agents employees due hourly wages. Tammy LaCrosse, WisconsinU.S.A.
Entity: La Crosse, Wisconsin
18, Report #166311
Apr 19 2014
01:51 PM
American Income Life Scam | Complaints REVIEW : American Income Life, National Income Life dedicated to helping associates achieve their goals; feel safe confident & secure doing business with AIL & NIL, they will not allow a legitimate complaint to go unresolved. ALL COMPANIES GET COMPLAINTS - HOW THE COMPANY HANDLES THOSE COMPLAINTS SEPARATES GOOD BUSINESSES FROM BAD BUSINESSES. Waco Texas Nationwide*UPDATE : American Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and submit to independent investigation. American Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future.
SPECIAL UPDATE Decmeber 20 2011: American Income Life remains committed to 100% customer satisfaction and has drastically improved their business processes over the years to better serve their customers. American Income Life is truly dedicated to making sure ALL customers are happy. American Income Life continues to show customer service is of the utmost importance and they currently have no complaints! To date, American Income Life has addressed and resolved all reported complaints, which have always been resolved to the complete satisfaction of their customers. American Income Life proves to be among the top members of the Rip-off Report Corporate Advocacy Business Remediation and Customer Satisfaction Program, as a Verified Safe Business. American Income Life has remained actively engaged and improving the way they address customer service complaints. Rip-off Report has confirmed that American Income Life is no fraud, is not a scam and is of the highest integrity. As an active and current member of the Rip-off Report Corporate Advocacy Business Remediation and Customer Satisfaction Program we are happy to report that now more than ever American Income Life remains committed to customer satisfaction and gets our top Verified Safe endorsement. *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.===================== NOW TO THE ORIGINAL REPORT THAT WAS FILED =====================American Income ripoff hiring practices on Monster.Com Cincinnati OhioWell, slap my ass and call me embarassed. I'm job-hunting (natch) and posted my shiny reworked resume on Monster.Com.I'm an Electronics Tech, trained by the US navy, and am looking to get into a nice RF tech field.SO, the day after I apply to a metric heckload of postings on Monster, this guy Jason calls me, speed-talking his way through the convo. Says he's reponding to my application. Sweet! Then he identifies himself from American Income Insurance...that was kind of odd. But, hey, even insurance companies need techs, right?He asked me no tech questions (also weird), just set up a 1st interview, told me to dress professionally (duh) and bring a clean copy of my resume. (kaaaay). My Uh-oh senses tingled, but, whatever, right? Le job. I looked through the jobs I *did* apply to and ...um...no American Income. WTF? So, I did some research and ...HELL NAW. I came here.So, American Income tried to lure my job-needin' Electronics Tech ass into coming down for some bullshit Insurance cattle call bitch job? Kiss it, AII.Shane Hamilton, OhioU.S.A.
Entity: Cincinnati, Ohio
19, Report #964531
Nov 04 2012
10:22 AM
American Home Shield ahs.com fraud , damages, loss income, loss business , loss of life Internet
REQUEST FOR IMMEDIATE ACTION! http://nationwidetech.com/ahs/ogindex.asp All information on that site.
Entity: , Internet
20, Report #215514
May 10 2012
06:57 PM
Ripoff Report REVIEW: Altig International & American Income Life join Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program (CAP), and submit to independent investigation. Altig International & American Income Life pledge to resolve all legitimate complaints and address any issues from the past, present and in the future. Redmond Washington
Altig International & American Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program. ..A long name for a program that does a lot for both consumers and business a like. 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. As a matter of policy, when Rip-off Report is retained by a company to investigate independently and to publish our findings, we use every bit of information at our disposal to determine the truthfulness of the complaints against the company or individual.ALL COMPANIES GET COMPLAINTS, BUT HOW THE COMPANY HANDLES THOSE COMPLAINTS, SEPARATES GOOD BUSINESSES FROM BAD BUSINESSES....A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business.As a matter of policy, when Rip-off Report is retained by a company to investigate independently and to publish our findings, we use every bit of information at our disposal to determine the truthfulness of the complaints against the company or individual.ALL COMPANIES GET COMPLAINTS, BUT HOW THE COMPANY HANDLES THOSE COMPLAINTS, SEPARATES GOOD BUSINESSES FROM BAD BUSINESSES.Rip-off Report Investigation on Altig International & American Income Life:Altig International & American Income Life have contacted Rip-off Report, wanting to address complaints on the site. The companies have pledged to resolve all legitimate complaints.Every company receives complaints, and with currently more than 600 associates and more than 50 offices throughout North America, the number of complaints Altig International has received is few. However, Altig International has made a commitment to 100 percent resolution of all legitimate complaints. Altig International agrees with Rip-off Report that even one complaint is one too many.After speaking with executives from Altig International, it is clear that they are dedicated to helping their associates achieve their dreams, and will not allow a legitimate complaint to go unresolved.Altig International encourages all complaints to be addressed through an email to: CAP@altig.comYou may also send snail mail to:Altig International ATTN: CAP Department 15440 Bellevue-Redmond Road Redmond, WA 98052Rip-off Report has discovered that Altig International, with business roots stretching back at least 25 years, is a well organized and successful professional service firm delivering insurance services and solutions to clients. They are the exclusive provider of American Income products in 19 states and 7 provinces in Canada. Also, American Income Life, a subsidiary of Torchmark Corporation (traded publicly under symbol TMK) has a 50-year track record of success and has recently been rated A+ Superior by AM Best, the organization recognized by the U.S. Securities and Exchange Commission for assessing the financial strength of insurance related organizations and the credit quality of their obligations. Learn more about Altig International by visiting www.altig.com Learn even more about American Income Life by visiting www.ailife.comRip-off Report cannot guarantee the integrity or success of any company or product. Rip-off Report cannot vouch for Altig International and American Income Life, as we do not have any first-hand knowledge / experience of their companies and systems. Rip-off Report can only go by what companies tell us they will do. We do know they have made a commitment to satisfy all legitimate complaints - past, present and in the future. If you discover Altig International and American Income Life did not do what they say they would, please contact Rip-off Report. Member businesses not following through with their stated commitments to complete resolution would be removed from the Corporate Advocacy Program.Rip-off Report is always working harder for you, the consumer, so you can feel confident about what to look for when dealing with a company or individual. Remember, just because a company or individual is reported on Rip-off Report does not mean you should not do business with them. Use Rip-off Report information as a tool to your advantage, so you know what to look out for when dealing with that company or individual. No company is perfect.Be sure to contact us with your questions and comments about any business that is on the Corporate Advocacy Business Remediation and Customer Satisfaction Program. Your questions, comments and suggestions are always welcome and will be considered even if we don't agree with them. Please realize Rip-off Report is chartering in new territory, working to make a change for both consumers and businesses alike.Please, let me know about your new experiences with Altig International and American Income Life.Sincerely,ED Magedson - Founder EDitor@RipoffReport.com badbusinessbureau.com www.ripoffreport.comTempe, ArizonaU.S.A.
Entity: Redmond, Washington
21, Report #190138
Jan 16 2015
12:54 PM
Altig International - American Income Life are dedicated to helping their associates achieve their dreams, and will not allow a legitimate complaint to go unresolved. Waco Texas *UPDATE: American Income Life / National Income Life join Ripoff 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 issues from the past, present and in the future..
Ripoff Report Verified™ REVIEW: EDitor’s UPDATE: Positive rating and recognition has been given to Altig International - American Income Life for its commitment to excellence in customer service. 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. Ripoff 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. Ripoff Report Verified™ .. part of Ripoff 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.. 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. Altig International - American Income Life provide products and services through independent representatives. American Income Life has been providing benefits to families for over 50 years and has recently been rated A+ Superior by AM Best, the organization recognized by the U.S. Securities and Exchange Commission for assessing the financial strength of insurance related organizations and the credit quality of their obligations. Altig International 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 development www.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. In summary, after our investigation, which included discussions with ALTIG – American Income Life and many of their past and current associates, Ripoff Report is convinced that ALTIG – American Income Life is committed to quality delivery of services resulting in total client satisfaction. Read more about why consumers should feel confident when doing business with a member of Ripoff Report's Corporate Advocacy Business Remediation & Customer Satisfaction Program. Yes, it’s a long name for a program that does a lot for both consumers and businesses alike. 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. As a matter of policy, when a business becomes a member of the Corporate Advocacy Program they agree to allow Ripoff Report to contact every client who filed a complaint so they can make things right with them. In order to confirm that the complaints were resolved, Ripoff Report is copied on all responses so we can insure that the member business did right by their customer. NOW TO THE ORIGINAL REPORT THAT WAS FILED --------------------------------
Entity: Vancouver, British Columbia
22, Report #270528
Jul 25 2016
11:28 PM
American Income Life TRUSTED Business | Ripoff Report Verified...businesses you can trust: Feel safe confident & secure doing business with American Income Life / National Income Life - AIL pledges its commitment to customer satisfaction and Affiliate support. 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 issues from the past, present and in the future. Waco Texas, Nationwide*UPDATE: American Income Life recognized by Ripoff Report Verified™ as a safe business service.
REVIEW UPDATE: August 10 2017: American Income Life remains committed to increased customer satisfaction and has improved their business practices over the years to better serve their customers. American Income Life is truly dedicated to making sure their customers are satisfied and that any complaints which do arise are addressed promptly and fairly.To date, American Income Life has made good faith efforts to resolve all complaints reported on Rip-off Report. Based on our experience, the member business has proven to be among the top members of the Rip-off Report Corporate Advocacy Business Remediation and Customer Satisfaction Program as a Verified Safe Business. Over time and since becoming a member, American Income Life has remained actively engaged and improving the way they address customer service complaints. As an active and current member of the Rip-off Report Corporate Advocacy Business Remediation and Customer Satisfaction Program we are happy to report that now more than ever American Income Life remains committed to improving customer satisfaction.Remember, no company or individual can ever satisfy 100% of the people 100% of the time. There are no products or services that will always be perfect for everyone and even the best companies will receive complaints from time to time. However, by participating in the Corporate Advocacy Program, the member business has made a commitment to working with its customers to resolve complaints quickly and fairly whenever possible.Please keep in mind that as a consumer you have some responsibilities as well. Success has many definitions that based on your past experiences, current situation and your perceived expectations. Success with any product or service is always based on the proper application and understanding. The fastest car will not run if you never turn the engine on. Look at how you used the product or service that was provided in relation with the instructions that you received. The Corporate Advocacy Business Remediation and Customer Satisfaction Program will help you get your voice heard but please be prepared with documentation and fair representation of your concern, also have an idea of how the company can fix your concern. Can they offer additional services, extend warranties, offer a fair refund or just get you talking with someone that can help. ..let them know and let us know!*Any consumer not receiving satisfaction from a member of the Corporate Advocacy Program should email us at editor@ripoffreport.com *UPDATE, Rip-off Report REVIEW: 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.===================== NOW TO THE ORIGINAL REPORT THAT WAS FILED =====================
Entity: Winnipeg, Manitoba
23, Report #67657
Sep 25 2014
10:59 AM
American Income Life TRUSTED Business | Ripoff Report Verified...businesses you can trust: Feel safe confident & secure doing business with American Income Life / National Income Life - AIL pledges its commitment to customer satisfaction and Affiliate support. 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 issues from the past, present and in the future. Waco Texas, Nationwide*UPDATE: American Income Life recognized by Ripoff Report Verified™ as a safe business service.
REVIEW UPDATE: August 10 2017: American Income Life remains committed to increased customer satisfaction and has improved their business practices over the years to better serve their customers. American Income Life is truly dedicated to making sure their customers are satisfied and that any complaints which do arise are addressed promptly and fairly.To date, American Income Life has made good faith efforts to resolve all complaints reported on Rip-off Report. Based on our experience, the member business has proven to be among the top members of the Rip-off Report Corporate Advocacy Business Remediation and Customer Satisfaction Program as a Verified Safe Business. Over time and since becoming a member, American Income Life has remained actively engaged and improving the way they address customer service complaints. As an active and current member of the Rip-off Report Corporate Advocacy Business Remediation and Customer Satisfaction Program we are happy to report that now more than ever American Income Life remains committed to improving customer satisfaction.Remember, no company or individual can ever satisfy 100% of the people 100% of the time. There are no products or services that will always be perfect for everyone and even the best companies will receive complaints from time to time. However, by participating in the Corporate Advocacy Program, the member business has made a commitment to working with its customers to resolve complaints quickly and fairly whenever possible.Please keep in mind that as a consumer you have some responsibilities as well. Success has many definitions that based on your past experiences, current situation and your perceived expectations. Success with any product or service is always based on the proper application and understanding. The fastest car will not run if you never turn the engine on. Look at how you used the product or service that was provided in relation with the instructions that you received. The Corporate Advocacy Business Remediation and Customer Satisfaction Program will help you get your voice heard but please be prepared with documentation and fair representation of your concern, also have an idea of how the company can fix your concern. Can they offer additional services, extend warranties, offer a fair refund or just get you talking with someone that can help. ..let them know and let us know!*Any consumer not receiving satisfaction from a member of the Corporate Advocacy Program should email us at editor@ripoffreport.com *UPDATE, Rip-off Report REVIEW: 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.===================== NOW TO THE ORIGINAL REPORT THAT WAS FILED =====================
Entity: Framingham, Massachusetts
24, Report #412880
Sep 25 2014
06:53 PM
American Income Life TRUSTED Business | Ripoff Report Verified...businesses you can trust: Feel safe confident & secure doing business with American Income Life / National Income Life - AIL pledges its commitment to customer satisfaction and Affiliate support. 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 issues from the past, present and in the future. Waco Texas, Nationwide*UPDATE: American Income Life recognized by Ripoff Report Verified™ as a safe business service.
REVIEW UPDATE: August 10 2017: American Income Life remains committed to increased customer satisfaction and has improved their business practices over the years to better serve their customers. American Income Life is truly dedicated to making sure their customers are satisfied and that any complaints which do arise are addressed promptly and fairly.To date, American Income Life has made good faith efforts to resolve all complaints reported on Rip-off Report. Based on our experience, the member business has proven to be among the top members of the Rip-off Report Corporate Advocacy Business Remediation and Customer Satisfaction Program as a Verified Safe Business. Over time and since becoming a member, American Income Life has remained actively engaged and improving the way they address customer service complaints. As an active and current member of the Rip-off Report Corporate Advocacy Business Remediation and Customer Satisfaction Program we are happy to report that now more than ever American Income Life remains committed to improving customer satisfaction.Remember, no company or individual can ever satisfy 100% of the people 100% of the time. There are no products or services that will always be perfect for everyone and even the best companies will receive complaints from time to time. However, by participating in the Corporate Advocacy Program, the member business has made a commitment to working with its customers to resolve complaints quickly and fairly whenever possible.Please keep in mind that as a consumer you have some responsibilities as well. Success has many definitions that based on your past experiences, current situation and your perceived expectations. Success with any product or service is always based on the proper application and understanding. The fastest car will not run if you never turn the engine on. Look at how you used the product or service that was provided in relation with the instructions that you received. The Corporate Advocacy Business Remediation and Customer Satisfaction Program will help you get your voice heard but please be prepared with documentation and fair representation of your concern, also have an idea of how the company can fix your concern. Can they offer additional services, extend warranties, offer a fair refund or just get you talking with someone that can help. ..let them know and let us know!*Any consumer not receiving satisfaction from a member of the Corporate Advocacy Program should email us at editor@ripoffreport.com *UPDATE, Rip-off Report REVIEW: 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.===================== NOW TO THE ORIGINAL REPORT THAT WAS FILED =====================
Entity: Halifax, Nova Scotia
25, Report #201779
Jul 18 2006
07:07 PM
American Income Scammed by American Income now unemployed for asking too many questions ripoff Meadville Pennsylvania
I must have sucker written on my forehead, scammers find me no matter where I go. I thank God I stumbled onto this site because of an incident with American Income. I was hired the same way all of you guys were via the internet. I spent the money for class and licensure, fingerprints and FBI reports. I was hired on 3-13-06. It is now 7-18-06, I am not working because I gave notice at my other job over a month ago. Lots of money going out, none coming in. I went for training a week ago and got my scripts to memorize but could not bring myself to do it. When I went back I explained to my trainer/supervisor that I didn't understand the sales tactics when the consumer knows we are coming to talk life Insurance, right? NOT! I asked to see a copy of the lead cards (yellow) and there was nothing telling the consumer we were coming to sell them anything. It was a scam to get a foot in the door, then using guilt and manipulation I was to sell them a supplemental policy. My Manager became angry that I asked to many questions and said She has never had anyone like me ask so many questions about the integrity of the company. How dare I question and analyse the materials given to me. She told me We don't hire you to think, we hire you to do! I asked about the possibility of revising the script to be a little more friendly. Her reply was, You cannot go into a home like Suzy Home-maker, looking all pretty and asking about the kids and telling them they have a nice house. If you do that while I am training you, I will slap you side of the head and send you back to the car. You need to take control of the situation, not make friends. Needless to say the training did not go well and I left. I later recieve a phone call from my supervisor (Cindy) telling me she spoke to her supervisor (Mr Scott Keeny) about our meeting (he only hears her side of the story)and he feels that I am no longer needed because I was too negative and not being a team player. We have zero tolerance for negativity here. I understood his position, did not argue, and I hang up. 20 Minutes later, I get a phone call telling me they will give me a second chance if I would be more cooperative and respectful, less negative. Cindy pretended to call MR Keeny to beg for my job back on my behalf if I agreed to SUBMIT to authority and start trusting the company a little more. She told me she was aware of my situation and wanted to get me started right away. I am not sure of this, but when I was hired I was asked to sign some papers regarding sponsorship and routine paperwork, (They also asked for my Social security card and drivers license of which they made copies), but I never read the sheets I signed (I know, stupid, stupid me). I have a gut feeling they did a credit report on me and saw my financial state and used a scare tactic of being fired, so I'd beg for my job back and submit to their control. Three of my supervisors were ex-military and definitely treated me like one of their soldiers. A Word of WARNING. READ WHAT YOU SIGN! Kathy Erie, PennsylvaniaU.S.A.
Entity: Meadville, Pennsylvania

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