Liberty National Life Insurance Co Very misleading recruiting tactics Columbus Georgia

I went to work for Liberty National in July 2007. I was told I would get leads from them and have all this training and fantastic benefits. Once you decide to give it a try they tell how much your course material is going to cost you. And then they tell you how much the test to get your license is going to cost. And then they tell you how much the license is going to cost.

My training consisted of a list of names off a site call Sales Genie. I was told what to say, put into a conference room and told to make some appointments. I had no idea what I was making the appointments for or anything about the type of policies the company sold, or anything. They gave me a flyer and I tried to wing it off that.

The first two appointments I made were with businesses and they wanted major medical insurance, not supplemental products, which the flyer said they had. I got the addresses with my manager and sat there like a fool while they told the potential clients that we don't sell major medical - only the supplemental products and individual life insurance.

The next appointment he went with me on we enrolled and at the enrollment he told the people they could purchase life insurance on the Cafeteria 125 plan for their children up to age 25 if they were in school. Three of the woment have children who are over 19 and not students, but he sold it to them anyway like he was doing them a big favor by lying about their kids being students. I had flashbacks about the ethics clause in our insurance licenses, but he acted like everything was fine.

The fourth appointment was a small company who only has six employees. It is supposed to be ten employees for the 125 plans and seven for a standard, non-tax deductible payroll deduction. He told me the person who handled benefits "didn't know it yet, but would have to make up the names of four more people and their hire dates so we could put them on the 125 plan." I again was remembering my ethics clause and had some real bad feelings. I have not held the fourth enrollment. I do not feel the customer or the new agent should ever be put in the position of getting themselves in trouble with the IRS or the insurance commissioner.

The company holds this great big training seminar in Atlanta at the Weston Airport Hotel and pays for the meals and the rooms, but only after you have sold $5,000 in annual premium. Getting to that $5,000 is hit or miss and very unorthordox to say the least. My manager did part of my sales for me and didn't even tell me he was doing it. I would be off on an interview with a person and he would be out selling insurance and putting it under my agent number.

They told me I needed to get my Alabama license since we are so close to Alabama. I have no problem there, but my branch manager told me $20 for the out of state license, told one of the other new agents $90 and they took $60 out of my check and then a few weeks later took another $60 out saying it was for administrative fees- that's a total of $120 for my Alabama license. One of the other new agents had the $60 taken out, but never got the license. They also set 30% to 50% of your commissions aside in a commission account, which I was told was for those weeks when things were slow and you didn't have any sales. Well, now I'm not seeing any of it.

They terminated me because I have had a few slow weeks on the personal side when they know I have been working the business accounts and not the personal accounts. I have spent hundreds and hundreds of dollars in gas running around to busnesses, some of which are ones they sent me to in Montgomery, AL, not to mention the long distance phone calls to Montgomery.

The last policy I wrote I never got any commission on. They jacked around with it saying they had not received for four weeks now and since they have terminated me I will probably never see that commission or the over $2,000 in my commission account. They have fees and accounts on top of fees and accounts. There is no way you could ever hope to keep it all straight.

Anonymous Columbus, Georgia
U.S.A.