ED Magedson – Founder
United American Insurance & Liberty National Life2410 Hwy 94 South Outer Road # A St Charles, Missouri United States of America
Wow I can't beleif they got me too. I answered an ad on jobs.com and was surprised I was contacted so quickly by Todd Baxter who is the branch manager at Liberty National Life insurance in Saint Louis, Missouri. I was told I would make six figures my first year and all I had to do was get licensed. The only money I would spend would be 79.95 for the class (when I asked if the class was a part of the company he said No!! When In fact it is) 51.00 for the test at the testing center and 105.00 to the State Licensing agency. So I did.
After the initial investment I started, I must say I was shocked on my first day when they wanted me to use my cell phone at their office to make calls. A Multi Million Dollar Company cant even supply land lines at the office, that should of been the first sign. Calls not to make appointments but calls to find out who the decision maker of the company is and if they have benefits and how many employees work there. Thats a lot of minutes which cost me money. hmmm.. Then I find out I have to supply the paper that I write that information on all while making sure the people on the other end of the phone don't know its Liberty National Life Calling. Just say we are a new company in the neighborhood. That sounds like mis-representation don't you think after all they been around for 109 years.
After making these calls they have you drive your car with the gas you paid for all over the state, nothing to close to home to try and set up an appointment. If you are lucky enough to make one you have to go back out to the place on another day with a Unit Manager to see how she Works or should I say Lie to the potiental customer. It was a sad sight to see that all the things I learned to pass the state test was only used in the testing room. They say they have more leads then agents well lets take a look at that... If you call, calling business owners from a sales genie list a lead then I guess that might be true. They have signs for you to put up all over town but they don't supply the stakes for the signs not even a hammer and nails, that is all on you. You also must pay the city you plan on putting them up in with no help from the Branch.
Sounds like you the agent are financing the success of Liberty National Life, right. When you are in the office if you had cancer in the past they make sure everyone knows you had it by pointing you out asking if you wished you had their Cancer policy. Its sad they try and use people in that way. If you don't you should make sure and tell the potiental customer your life was in ruins because of Cancer.. Went into bankruptcy, had no money to eat whatever it takes to make a sale,after all we have to get into the "40 club" so we all make a million. If you are real lucky you will have a unit manager like me. She tells everyone she has only had one job other then LNL and that was at Taco Bell and after her first year she was making a six figure income the third in the company.
In fact she plans on buying a Hummer paying for it in cash that must be because she has bad credit because she had to file for bankruptcy because of cancer... Hmmm makes you wonder if she even knows the truth anymore. She told many lies in front of me and when I questioned her about them all the sudden I am Challenging Her... By that point I was beginning to wonder about the company as a whole. Since I could not get a strait answer from the Branch Manager or the Unit Manager on how long it might be before I made my first paycheck I asked other agents and another Unit manager. The agents I asked were truthful the other Unit Manager would not answer just saying if you sale a policy this week you will get paid next week.
The standard answer from the managers. The agents some who have been there over six weeks still have not recieved their first paycheck and don't really have one in sight. Very Scary since the first week alone I used 3 tanks of gas (72.00) running around trying to make appointments. I also bought a Magic Jack (43.64) to use to make calls on my computer since I could not change my cell plan unless signing a new contract. Well there was problems getting online in the office because of who knows. The branch manager and the unit manager tried to get me online and two other people's computer too with no luck. I guess the router they have in the office only allows a few on at a time but of course that was my fault.
Well they make sure at the end of the day to point you out in front of everyone in the office as making the least amount of calls. Yelling and Screaming about you and others being off target. All this after working there for 6 days. hmmm, instead of being motivating seeing you are trying to pay for the things they don't, they yell at you and tell you what a loser you are. That she is sure we could get a part time job at Taco Bell, Burger King or Churches Fried Chicken. Is that really what they think of the people they hire??? I guess so because that is what we were told. On Mondays from 5pm to 7pm they want you to call people to try and get them to work for Liberty National Life, I asked why they have such a high turnover and they say because when people get their first paycheck its usually around 25,000 and they leave because they are lazy.
Another Lie. After all this I get a text message on my 6th day after work around 8:30 in the evening telling me my activity level, negativity, challenging her (the Unit manager) and questioning of other agents and the other unit manager she decided i was not a fit for her team or the office. Fired me with a text message because I figured out what was really going on. Did not even have the guts to call me or tell me in person. When I texted her back no response, I called the Branch Manager no response I called the president of the company and spoke with Sally his assistant who promised she would have someone call and still no response. That tells me what kind of company Liberty National Life is. I learned that in 6 whole days. I guess I have to be thankful I did not sink anymore of my money or time in this type of company..
Oh by the way did I tell you that Todd Baxter the Branch Manager was fined by the Missouri board of Insurance in March of 2009. He was:) I even asked him if he was ever issued a citation from the board and he said Never we are rated A+ with the BBB. Well the BBB does not handle this type of complaints so you will never see one on there about problems with working for Liberty National. So if you plan on working for Liberty National Life be prepared to be treated like crap, spend all your money before you ever get paid, putting hundreds of miles on your car, using all your cell minutes, having a boss that says they are recovering from bankruptcy, being able to look at potential customers with a strait face scaring them about Cancer, being told you might be lucky enough to get a part time job at a fast food joint, being lied to by your unit manager and finally getting FIRED FROM A TEXT MESSAGE.
You're going to Love working there. Save yourself don't fall into this trap!!! Beleif what others have said. Its the truth.
This report was posted on Ripoff Report on 09/05/2009 07:30 PM and is a permanent record located here: http://www.ripoffreport.com/reports/united-american-insurance-liberty-national-life/st-charles-missouri-63303/united-american-insurance-liberty-national-life-misrepresention-of-job-they-got-me-too-490807. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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