Senior Life Insurance Company CONSIDER YOURSELF WARNED! Thomasville Georgia

I don't know where to start about my experiences while at Senior Life Insurance Company. This company is without a doubt the absolute WORST company you can ever come across. I am a veteran in the insurance game and I have worked full time in this industry for years so I've seen and know most of the players in final expense and when I tell you this company is at the bottom of the barrel, trust me they on the floor of the barrel all by themselves. Just HORRIBLE! When they tell you, you'll be vested day 1, that's such garbage. You'll NEVER be vested with this company and by the time you figure this out it'll be too late and you'll be knee deep. The only people that make money are the higher ups (VPs, Regional Guys, Owner, etc)....you are not in that equation.

Let me explain....you are sold on getting chargebacks taken off the backend (in the 10th month pay through and 1st year renewals). You buy your first set of crappy leads and you are off and running. 2/3 months in, you are having issues with anything getting processed in a timely manner and the staff there are HORRIBLE to deal with. Now you are headed to month 4, because you are owed commissions if you leave and trust me you will never get them. Your VP makes you think YOU are the problem and the only one having issues with delayed processing of apps, horrible staff, etc. You try your best to make it work only to realize the harder you try, the WORST it gets. Now you are no longer knee deep, you are drowning. It's month 10 (the time you suppose to get you pay through) and you then realize you will never see a pay through or renewals with this company. That's when you realize you have been scammed. Now not only will you NEVER get any pay through or renewals, but you also have a lead balance, maybe a couple of chargebacks, etc. I called in to ask when I get my pay through and what is the balance of any pending chargebacks, etc and no one could provide me with this info! WHAT?! How much do I owe? When do I get my pay through?

I was directed to a lady that never calls you back! Left minimum 6 messages, no call back. There isn't a report you can see to figure out any of this. So this is how this company makes their money - off their agents! Agents buy the leads, agents sell the policies and they get a cut out of that, they keep your pay through and renewals, AND they have a poor history of actually paying death claims. Meanwhile you (the agent) livelihood is ruined. Late 2014, as if their company couldn't possibly get worst....oh, but it did. Not only do you now deal with the WORST staff known to human, not make any money, no pay through (you know the rest), now you must work for them. That's right, Senior Life Insurance Company now requires all their agents to write the application, do in house voice recordings (yourself not with a company to do it for you), go home and type in all the customer's info in their system that you just handwrote in the customer's house, then scan the app after all that! While you are still making peanuts! I wouldn't recommend this company to my worst enemy. So, as you could imagine I left and got a bill for commissions paid that are still on the books and keep in mind I was there several months so it's an outrageous amount of money. So, you don't pay they extort you by putting you on Vector making it tough to get contracted with a reputable company.

I am absolutely prepared to fight this, consulting an attorney as we speak and we will go from there. I have talked to several agents there with the SAME experience and if you can imagine, they are worst off then me. So, I wasn't the only one having issues as my old VP tried to imply. Please, please, do your research on this company and consider yourself warned! I think if we help each other maybe we can prevent agents from gking down a bad path. Thank you for reading.