American Income Life

  www.ailife.com
  www.ailife.com

American Income Life Reviews

Updated November 20, 2014
Updated November 20, 2014
588 Reviews
3.1
588 Reviews
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American Income Life CEO Roger Smith
Roger Smith
337 Ratings

Review Highlights

Pros
  • You have the opportunity to make a lot of money if you have what it takes to make the sale (in 20 reviews)

  • If you are a shark you will do well and make a lot of money off the backs of others (in 14 reviews)


Cons
  • There are not any cons that I can think of other than the long hours (in 67 reviews)

  • The only way to make a lot of money is to be dishonest (in 10 reviews)

More Highlights

72 Employee Reviews Back to all reviews

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  1. 1 person found this helpful  

    Be prepared to hit the pavement!

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Former Employee - Anonymous Employee
    Former Employee - Anonymous Employee

    I worked at American Income Life full-time

    Pros

    Some good managers
    Flexibility
    Decent benefits
    Good training

    Cons

    Sales atmosphere
    Lack of clear direction

    Doesn't Recommend
    No opinion of CEO
  2. 2 people found this helpful  

    Fast paced, can make a lot of money but also HARD work, as in lots of calls and lots of driving.

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - Insurance Producer in Phoenix, AZ
    Current Employee - Insurance Producer in Phoenix, AZ

    I have been working at American Income Life full-time (less than an year)

    Pros

    Easy video system, weekly fast pay. You will get paid when they say you will be paid. You can make lots of money!!! Can make your own hours.

    Cons

    Apparently the usual that comes w/the insurance industry. Watching out for the business you write, that it doesn't get "taken" from another agent. Follow up and feedback from main office/underwriters SUCK, so have to constantly have to watch out for your clients best interest. The hardest part is working w/an upline that is negative or believes in negatively motivating agents by telling them what they do is not good enough!

    Advice to ManagementAdvice

    Get rid of managers that constantly YELL or BELITTLE their agents. Or at the very least send them to training on how to be an effective manager without YELLING. It is so unprofessional when people in the lobby can hear these managers yelling at their teams.

    Recommends
    Positive Outlook
    Approves of CEO
  3. 1 person found this helpful  

    Good place to work only if u're a wizard at selling life insurance

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Former Employee - Benefits Representative in Hamilton, NJ
    Former Employee - Benefits Representative in Hamilton, NJ

    I worked at American Income Life full-time (less than an year)

    Pros

    if u're a sales magician, then the income potential is limitless

    Cons

    without sales, you will fall deep in debt

    No opinion of CEO
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  5.  

    Great place, great management. Had to leave position due to financial problems. Most can be very successful at this com

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Former Employee - Anonymous Employee
    Former Employee - Anonymous Employee

    I worked at American Income Life full-time (more than an year)

    Pros

    Atmosphere, pay structure, bonuses, friendly environment, if you have any troubles or problems management is there to help whenever you need it.

    Cons

    Long Hours, wear and tear on your vehicle, have to get use to people saying "No"

    Recommends
    Positive Outlook
    Approves of CEO
  6.  

    It is a great place to get your foot in the door and hopefully gain skills that can take you elsewhere.

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Former Employee - Hiring Manager in Bellevue, WA
    Former Employee - Hiring Manager in Bellevue, WA

    I worked at American Income Life full-time (more than an year)

    Pros

    M-F job, professional, entertaining, good co-workers, ever changing and dynamic. Great Executive office suites to look at. Desire to win at all cost

    Cons

    ring you dry unfortunately. The culture has no middle. The low paid and the high paid. They do not follow what they speak unfortunately. High high high turnover

    Advice to ManagementAdvice

    Reality check

    Doesn't Recommend
    Neutral Outlook
    Approves of CEO
  7.  

    Worked as a contracted agent for nearly a year, and then as an employee in the call center for a summer.

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Former Employee - Call Center Producer in Redmond, WA
    Former Employee - Call Center Producer in Redmond, WA

    I worked at American Income Life full-time (more than an year)

    Pros

    Exceptionally flexible hours in the call center. You pick whenever you want to work as long as it adds up to around 40 hours for the week.

    Cons

    Difficult to get paid commission. Almost everyone gets paid hourly. ($11.50 as of summer 2013 for call center producers)

    Advice to ManagementAdvice

    None

    Recommends
    Positive Outlook
    Approves of CEO
  8. 2 people found this helpful  

    Great outside sales experience.

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - Supervising Agent in Phoenix, AZ
    Current Employee - Supervising Agent in Phoenix, AZ

    I have been working at American Income Life full-time (more than an year)

    Pros

    Great lead source and product. Opportunity to grow and make good money. The pay structure and bonuses are good if activity is sustained.

    Cons

    Dealing with the ups and downs with a commission only position. Very unstructured.

    Recommends
    Neutral Outlook
    Approves of CEO
  9. 15 people found this helpful  

    Bait n Switch

    Former Employee - Anonymous Employee
    Former Employee - Anonymous Employee

    I worked at American Income Life

    Pros

    I worked with ail for a year and a half. The training was excellent but what training wouldn't be when ur doing it 60-80 hrs a week? This is an ideal position for anyone with a car and still living at home with their parents.

    Cons

    So many cons with these guys. First of all I think it's only fair that everyone reading this understands I was also a hiring manager in the GA position. We will literally hire anyone that is willing to work 10-14 days Monday-Saturday as long as they have a little personality and most of their teeth. And when someone came in already licensed.... weeee doggy!!
    Ok..so when you first get the position they will tell you it's the best company bc they've been around since 1955 and are union. They also have an unlimited source of leads. Which you will almost immediately learn to produce yourself. And since they are involved with distributing child safety kits to the public...that's your "bait". Once you're in the home giving the family a free child safety kit along with a variety of other free items pertaining to insuring that families security you begin talking about life insurance "switch" which in some cases can be very awkward.
    Now since initially these families have no idea you are there to actually sale them something, many take this offensive and you may need to check your balance at the door as you're being kicked out.
    Don't get me wrong, it is an effective method for obtaining sales but the problem with it is...most people cancel before the policy can pay for itself which leaves you with charge backs and low retention which means your ail career is over.
    If you stink at hard closing and frown upon deception then you should run as fast as you can from this opportunity. I wasn't that type of person either but after about 6 months I was a completely different person. Numb to the excuses and rebuttals. I just didn't care what anyone told me as of why they wouldn't buy today...affordability, wanting to do research, wanting to speak with a family member or friend first or just wanting to think about it....they all became nothing but excuses to me...this place turned me into a cold hearted scumbag insurance salesman with a family I never got to spend any time with. And I don't care how much money you make. If you don't have quality time to spend with your family....you lost!
    If you do take a chance with ail...ask the people in the office how long they've been with the company. Here's what you will most likely hear...there will be one person with 12yrs, 8yrs, 5yrs, 4yrs and the other 20-30 agents might have anywhere from 1-6months..(HUGE TURNOVER) I have never seen so many fail or just give up at something.
    Oh...another thing...the first promotion you get will cost you $500 a month every month for the call center to recruit people from monster, career builder etc. as potential new hires which we all complained about bc we never could see how it was an asset. Just a total waste of money. But they need to bring in as many hungry people as possible in hopes that maybe one of them will be a superstar. That's usually about 1/100 but even the really great ones quit after a few months. I have seen people make $4,000 in two weeks and quit bc of the ridiculous hours required to be successful.
    I literally had to live, eat and sleep ail to be successful. What I mean by that is, I couldn't even take me family to sea world without thinking "I need to get home soon so I can make phone calls to set up for the next few days of work." It was relentless and annoying to everyone around me.
    I really could go on and on...
    BEWARE

    Advice to ManagementAdvice

    Stop dictating and coach your people!!!

  10. 2 people found this helpful  

    I am not a salesperson

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Former Employee - Life Insurance Agent in Houston, TX
    Former Employee - Life Insurance Agent in Houston, TX

    I worked at American Income Life as a contractor (less than an year)

    Pros

    They give a lot of support

    Cons

    They expect you to work 12 hours a day 6 days a week

    Advice to ManagementAdvice

    More training

    Doesn't Recommend
    Positive Outlook
    No opinion of CEO
  11. 3 people found this helpful  

    It was a new experience

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Former Employee - Insurance Agent in Charlotte, NC
    Former Employee - Insurance Agent in Charlotte, NC

    I worked at American Income Life part-time (less than an year)

    Pros

    If you like driving around then this would be the ideal job

    Cons

    Don't get your hopes up on the income because it takes a lot to get there.

    Doesn't Recommend
    Neutral Outlook
    No opinion of CEO

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