Report: #67657

Complaint Review: Ripoff Report | American Income Life Insurance

  • Submitted: Fri, September 26, 2003
  • Updated: Thu, September 25, 2014
  • Reported By: Boston Massachusetts
  • American Income Life Insurance
    Framingham, Massachusetts

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.

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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

*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 and also 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.



American Income Life Insurance advertises on Ignore any interview calls from AIL - save your time and effort. Framingham Massachusetts

This message is for all the unsuspecting job seekers like myself. Especially people who are new to this country and not aware of such organised corporate scams.

I had recently posted my resume on I do not have authorization to work in the US without a sponsorship and had mentioned this on my monster posting.
I was quite surprised and also excited when suddenly i got a mail from the State Director of American Income Life telling me that he had seen my resume on the interent and how he felt that he should get in touch with me immediately as there are several openings for outstanding individuals like me in his company.

There were a few things that struck me as strange:

1. The mail was not personalised - it was a general mail that came to my yahoo BULK mail id (which is generally for spam mails)

2. The fact that i received an interview call despite the fact that I need sponsorship was strange especially in a bad eceonomy.

However, as I had previous experience in marketing in an insurance company, i thought that may be there is some connection. So I called them up and left a message with the receptionist. She said that someome from the company would call me to fix an appointment.

So the next day, I got a call from a guy called Bill DeGoorg. He asked me if I had experience in a "supervisory role" before and said that i seemed like the kind of person they need. He fixed my time for an interview the next day. I was told to dress in business attire and carry a "clean" copy of my resume.

I was excited about the deal and dreamed of starting work again soon. I read up on insurance, saw the comnay website and what their business of selling "supplemental life insurance" means.

However, in another search about the company on, it threw up how some poeple had had bad experiences with this company,and about their interview experiences. I was a bit apprehensive after that and not sure If i was doing the right thing. But I still felt that i should give it a shot.

The next day i started early on my long tiresome journey to Framingham. It took my 2 hours to reach their office by commuter rail and a lot of walking!

When i reached I saw a lot of people sitting in the reception and waiting to get interviewed. It seemed so close to what i had seen on the insurance forum description. People dressed formally and of all ages- young and old. The receptionist took the resumes. People from the company would take the resume and take one person inside at a time. Somehow it seemed like the whole company was just spending its time interviewing people!!

Anyhow...I was called in by a lady called Darleen Cadet. I had just run into her a while ago in their office restroom and she seemed nice. She took me into a room bare with just a table and 2 chairs and some funny cutouts of what looked like scorpions or lobsters stuck on the wall. She had a laptop in front of her with some presentation that gave some spiel on the company and how much money it made in a short time. Then she circled my insurance experience on the resume and i thought she might ask me something. But no! She asked me some general questions like:

1. on a scale of 1-10 how coachable are you
2. on a scale of 1-10 how competitive are you
3. What are the 3 important priorities for you now

That's all - the interview was over and she said that she would like me to meet the State Director tomorrow morning. Hello!!! Thats all. 2 hours of travel for a 2 minute interview.

I asked her the following:

1. Do you know i am not authorised to work in the US without sponsorship. She said "Oh really!!" That's how much they knew about my background before calling me in

2. What is the job profile?. She said..ya that's something David Brister the state director will be able to tell you.

I was told when I was asked to come for the interview that i would be meeting a senior management staff and the HR Director. So where were they? Then I told her that i had come from really far and don't have a car right now so can the State director meet me now. She said he was very busy and it won't be possible. If he is meeting everyone to explain what the job is...then how busy can he really be? Anyhow...I walked out confused, unimpressed and let down.

I met another lady who had come for an interview on my way out and she had similar feelings about the place. Infact we both had such diverse backgrounds and the funny thing was we were being interviewed for the same job. Ironically what the job exactly was was never told to us. She was also asked to come in tomorrow. Actually I guess everyone is.

I called in later to cancel my appointment because I felt that this is really not going to lead to anything and was a waste of my time. The receptionist again told me that the HR Director, Sara, would get in touch with me.
Sure enough Sara called. But luckily i missed her call. Her voice mail said that since i missed the group interview, she would like to reschedule it for me.
GROUP INTERVIEW!!! But hello that's not what I was told the previous day. I thought I was meeting her and the busy State director.

Anyhow, my instincts told me to drop the whole thing. I did not call her back and hope she doesn't call back either.

I went on the internet and luckily came to this site.
I am so glad that i did not invest any more of my time and energy into this systematic scam.

What amazes me is how the experiences of so many people are similar. I guess the company will soon need to get more creative about fooling people. I am sure they would have tried to make me an agent and sell me the dollar dreams - but hello i don't even have authorization to work here. Sure enough they would not sponsor my visa to make me an agent. So why are they wasting my time!

I wish I could go back and yell out to all those poor unsuspecting people who had come there for their 2nd and 3rd round interviews to run as far as they can from this company. The bad experiences of so many people can't all be co-incidences. I wonder why responsible companies like continue to have such employers on their list.

I guess the hundreds of AIL job posting are too much revenue to pass by. By the way, one more funny thing was that the lady who interviewed me, her business card did not even have her job title! This was my first experience with Corporate America. And it sure sucked!!

Boston, Massachusetts

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This report was posted on Ripoff Report on 09/26/2003 12:29 PM and is a permanent record located here: 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 Consumer Comment

Thank you for the Heads Up on This Company

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

Updated my resume on Monster about a month ago. Got a call from American Income this morning, saying I was management material. Nowhere on my resume is manager listed. They offered a starting salary of $75000 per year, and was not the least concerned that I was likely having back surgery soon.

Had a very funny feeling about the whole thing, and was not looking forward to a drive of 30 miles for an interview. Then came across this site doing a Google search.

Needless to say, I won't be going anywhere near this company. Thanks for the warning.
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