American Income Life Reviews

Updated March 20, 2015
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87 Employee Reviews

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  1. 4 people found this helpful

    Interesting...to say the least

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - Life Insurance Agent in Cleveland, OH
    Current Employee - Life Insurance Agent in Cleveland, OH

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

    Pros

    The company culture is very young, which I suppose can also be a con. But there is a lot of positive energy swirling around. SA's are very helpful, and for the most part want to see you succeed. After all, your checks bring them more checks. Helping people set up plans for their families and final expenses.

    Cons

    Training is unpaid. You have to come out of pocket for everything; your online course, you state testing, background check, and licensing. It wouldn't be so bad if training was paid, because at least you'd be getting money to compensate. The way the pay is initially explained is a 100% lie. You're told pay is guaranteed. Nothing is guaranteed, as this is an insurance sales job, which means 100% commission. Hours are long, demanding, AND mandantory. Seeing as you're technically an independent contractor, I don't see how I can be told when and what time I need to come into the office or go out to see clients.

    Advice to ManagementAdvice

    Be 100% honest and forthcoming with information about the company. This way, the turnover rate would be much lower, and you'd attract people who would really want to do this type of work

    Approves of CEO
  2. 2 people found this helpful

    This is not for everybody

    Current Employee - General Agent in Dallas, TX
    Current Employee - General Agent in Dallas, TX

    I have been working at American Income Life

    Pros

    No ceiling on income potential.
    Tremendous advancement opportunities.
    Great training and leads
    Almost anyone can get hired (as long as you don't have any felony or misdemeanor)
    Lots of paid bonuses.

    Cons

    As with any sales job, it is hard work. Your mind has to be completely made up that this is what you want to do. You are going to have some great weeks and poor weeks. The one thing I hated was the management wants to micromanage you. I was in management and was managed to micromanage my hierarchy. I am not a micromanager so their was this constant friction between me and the managers over me.

    We are 1099 independent contractors, so we should not be demanded to do anything, as if we were getting paid a salary.

    In the beginning they sell you on flexible schedule, but then they require you to be in the office for certain meetings, and expect you to be on a certain schedule on field days. Or they expect you to have a certain number of appointments before you leave the office.

    Be prepared to be in constant communication with your manager. Sometimes this was annoying for me.

    There are many people nation wide who are doing very well with this company. However this is not the average person in my opinion. There is way too much turnover. Less than 5 percent of the people hired in our office last year are still here this year. Most agents stick around like 3 months at the most. I believe though, this is due to just hiring any body to get numbers, instead of hiring the right person

    It is possible to make a lot of money with this company, as I have made a decent living working here. But you really need to know what you are getting into before you pay money for a license. Ask a lot of questions in the interview and make sure your mind is made up and that you are committed. If you are not serious and dedicated to the process of learning, and growing... Save your self and your family the time!

    Advice to ManagementAdvice

    It is better to hire 2 qualified people who are going to stick with you for years, than to hire 20 people who are just here for a couple months and are just going to screw the companies retention. You would be better to hire fewer people who really meet the qualifications. Stop hiring everybody!

    Also, be completely honest and upfront about the cons in the final interview. Why waste time with people who are not cut out for this?

    Recommends
    Neutral Outlook
    Approves of CEO
  3. 3 people found this helpful

    Not Bad

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

    I worked at American Income Life

    Pros

    Good money if you can keep up.

    Cons

    Commission only pay makes it tough to budget. Crazy hours and if you actually want to make a decent living, say goodbye to your personal life.

    Advice to ManagementAdvice

    This is a 1099 position. Watch levels of micromanagement. it gets old

    No opinion of CEO
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  5. 3 people found this helpful

    It can be a great opportunity, if you have luck having start up referrals

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - Union Benefits Representative in Lombard, IL
    Current Employee - Union Benefits Representative in Lombard, IL

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

    Pros

    -Energetic and optimistic environment (upbeat company meetings on mondays)
    -Great people to network and work with
    -People actually care about your success here
    -You can dress down on Thursdays (for call night)
    -Pay is good if you sell certain amount of insurance (refer to cons as well)
    -1099 opportunity which means you are your own boss and it is technically your own business
    -Structured office environment that gives you resources and extra training/coaching if needed which is nice
    -Managers are really helpful, especially mine, and are willing to help you out personally for the most part which is unheard of in other industries

    Cons

    -They don't tell you upfront that as an "Union Benefits Representative" that you are also signing up to be a Life Insurance provider
    -in most cases, you have to invest a lot of your time and some money upfront as well.... in my case, since i had already had a temp life license before (can only have applied & used temp license ounce), i had to invest over $400 to take classes and test to even get a contract from company. Not to mention you have to also invest money for gas, i have easily spent at least $300 in gas to meet up for practice appointments and training
    -Pure commission, so if your not used to that or open to being in a sales driven position, this most likely will not be a position for you
    -Was really inconvenient that i started in the winter time, especially right before Christmas season because unfortunately it has been extremely difficult to make any sales at all
    -You have to sell at least sell $900 in whole life insurance ($75/month * 12months = $900ALP) in a week to qualify for gas bonus (which is fair). However, this coming year the company is raising it up to $1,200 in whole life/ALP to qualify for the $200 weekly gas bonus

    Advice to ManagementAdvice

    Have more a structured field training program for beginners. It goes a long way when managers pay attention to the new people who are serious about the program. Also it would help to be on top of getting over saturated leads in packs out of those packs ASAP. From my experience, it seems to be a reoccurring thing where union members are complaining about being called on too much. Also, i have had negative experiences with parents from the child safe kit leads from elementary schools because they seem clueless about them even filling out the request cards for it.

    Recommends
    Positive Outlook
    Approves of CEO
  6. Potentially a great company to work for

    • 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 (less than a year)

    Pros

    Potential to make a lot of money and to advance your career, great bonuses. Mentors will go out of their way to help you be successful.

    Cons

    While you are given leads, getting appointments can be very difficult as more and more people are screening their calls. As a result, you spend a great amount of time going to homes and knocking on doors to make appointments. Also, to be successful, you must work seven days a week. The benefits they offer are only available if you make quota and you income is commission based

    Advice to ManagementAdvice

    Offer benefits without strings attached and provide a salary during training. A base salary behind that would be great,too.

    Doesn't Recommend
    Positive Outlook
    Approves of CEO
  7. 2 people found this helpful

    Interesting & stressful. Way out of my element for employment

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Contractor - Insurance Sales Agent in Eatontown, NJ
    Current Contractor - Insurance Sales Agent in Eatontown, NJ

    I have been working at American Income Life as a contractor (less than a year)

    Pros

    Possible compensation, meeting are not your ordinary business meeting

    Cons

    Commission based only, being 1099 for taxes and MLM

    Advice to ManagementAdvice

    Actually listen to concerns of employees and there will be less communication issues

    Doesn't Recommend
    Neutral Outlook
    No opinion of CEO
  8. challenging

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - Insurance Agent in Oklahoma City, OK
    Current Employee - Insurance Agent in Oklahoma City, OK

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

    Pros

    helping clients with life insurance

    Cons

    getting individuals to understand the importance of their final expenses

    Advice to ManagementAdvice

    more promoting and up to date leads

    Recommends
    Neutral Outlook
    No opinion of CEO
  9. Gotta Be Able to Work Thru The B.S

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

    I have been working at American Income Life full-time

    Pros

    Sense of camaraderie, Liked the challenge. Good money starting off.

    Cons

    Really long hours. Some weeks will be good some will be bad, if you can' balance them then u can't last long. Alot of emphasis was placed on learning the script. You will drive long and far and can get stood up.

    Advice to ManagementAdvice

    Be more upfront about the costs of starting and the ways you can lose your money when people cancel.

    Neutral Outlook
  10. 1 person found this helpful

    Good job if you like sales.

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

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

    Pros

    You are your own boss, you basicly work the hours you want to work. Good pay wages and good support staff.

    Cons

    This is a sales job so if you do not produce then you do not get paid. You have to get u.se to people not being home for home visits

    Advice to ManagementAdvice

    Just be more understanding when people don't want to be in the office all night..

    Recommends
    Positive Outlook
    Approves of CEO
  11. Good place

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Former Employee - Entry Level in Cincinnati, OH
    Former Employee - Entry Level in Cincinnati, OH

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

    Pros

    Great people in you learn alot while you are there

    Cons

    Long hours if you don't make sales don't be looking for a check

    Advice to ManagementAdvice

    More training

    Recommends
    Positive Outlook
    No opinion of CEO

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