American Income Life

  www.ailife.com
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American Income Life Reviews

Updated Jun 5, 2014
All Employees Current Employees Only

3.2 447 reviews

76% Approve of the CEO

American Income Life CEO Roger Smith

Roger Smith

(266 ratings)

52% of employees recommend this company to a friend

Review Highlights

Pros
  • There really is opportunity to make a lot of money, but if AND ONLY IF you are truly a sales person (in 14 reviews)

  • also a great opportunity to make money (in 9 reviews)


Cons
  • There are not any cons that I can think of other than the long hours (in 50 reviews)

  • The only way to make a lot of money is to be dishonest (in 8 reviews)

More Highlights
55 Employee Reviews Back to all reviews
Relevance Date Rating
in
    • Culture & Values
    • Work/Life Balance
    • Senior Management
    • Comp & Benefits
    • Career Opportunities
    • No Opinion of CEO

    4 people found this helpful  

    Terrible experience - very unprofessional.

    Sales Agent (Former Employee) Atlanta, GA

    ProsI could set my own schedule within certain parameters. The system was relatively simple. As long as you had a current model computer, the program was user friendly. Policies issue quickly, with very light underwriting.

    ConsThe agency was run in an extremely unprofessional manner. The agents were not trained to be professionals. The office i was in had 19 agents at the time and only 2 of us actually had a state issued license.

    Advice to Senior ManagementHire professional agents and give clients the service they deserve.

    No, I would not recommend this company to a friend

    • Culture & Values
    • Work/Life Balance
    • Senior Management
    • Comp & Benefits
    • Career Opportunities
    • No Opinion of CEO

    3 people found this helpful  

    Not respected, still not releases after 3mo. due to training.

    Licensed Agent (Current Employee) Dayton, OH

    ProsIf you get a good GA, and get released you can make good money

    Conshave had licence and Agent number for 2mo, do not believe I have received proper training, GA is rude and disrespectful. still not released living on credit. can not afford to continue because I believe GA and SA don't care if or when I get released. have been told GA has taken 35% of Agents 40% commission and agent Quit.

    Advice to Senior ManagementTreat ALL new Agents with respect and remember that you are making money for every sale a new agent makes so work hard on getting new agents trained and released.

    No, I would not recommend this company to a friend

    • Culture & Values
    • Work/Life Balance
    • Comp & Benefits
    • Career Opportunities
    • Approves of CEO

    2 people found this helpful  

    not for everyone

    Sales Agent (Former Employee) Columbus, OH

    Prosgood salary if you work hard

    Consno base pay only commission

    Advice to Senior Managementmore training

    No, I would not recommend this company to a friend – I'm optimistic about the outlook for this company

  1. We want your feedback – Are these company reviews helpful to you?  Yes | No
    • Culture & Values
    • Work/Life Balance
    • Senior Management
    • Comp & Benefits
    • Career Opportunities
    • No Opinion of CEO

    1 person found this helpful  

    Its up to you...

    Insurance Agent (Former Employee) Austin, TX

    ProsGrowth is all up to you

    ConsNo stable income, you better have savings

    Advice to Senior ManagementBe honest

    No, I would not recommend this company to a friend

    • Culture & Values
    • Work/Life Balance
    • Senior Management
    • Comp & Benefits
    • Career Opportunities
    • Approves of CEO

    2 people found this helpful  

    Fun work environment to work in!

    Independent Insurance Agent (Former Employee) State College, PA

    ProsVery supporting & fun co-workers, upbeat environment, supportive management.

    ConsExtremely long work hours. This job is for a single person with no life.

    Advice to Senior Managementnone. Great management staff

    No, I would not recommend this company to a friend

    • Culture & Values
    • Work/Life Balance
    • Senior Management
    • Comp & Benefits
    • Career Opportunities
    • No Opinion of CEO

    35 people found this helpful  

    Looking for a new job but until then I'm stuck here. Here's the TRUTH about AIL. I am writing as objectively as possible

    Anonymous Employee (Current Employee)

    ProsIf you work hard during the week and make 3-5 sales you will generally make $500-$1200 for that week. Management will motivate and train you as best they can because if you're successful then they are successful. Most of my co-workers are great and there is a bond between us. You get to work at your own pace after your manager is out of your car once you complete training.

    ConsKeep in mind I have been with the company for 6 months now. Misleading from day 1 in the "overview" or first interview. Pay structure is not what management said it is. You're not compensated for gas or travel expenses. Strictly commission based (yes I knew that going into it). There are no flexible hours like I was promised. My manager micro-manages, even the top producers in the office. Professionalism is decent at best. For example, manager smokes electronic cigarettes in the office while training, shares personal information way too openly, talks poorly about co-workers behind their backs, talks poorly about customers that would not purchase insurance, and is very hypocritical (do as I say, not as I do).

    Leads are not unlimited and a majority have been called or already seen by previous agents which is a failure on the internal structure and functionalism with the computer system and manager who has the ability to pick which leads to distribute to employees. For a fact, in my office I know management has given agents whom they do not want to stick around very long "bad lead packs." Leads consisting of people who have already declined an interest in having an agent go see them, essentially setting up the employee for failure. You are not upfront with customers to get in their homes. I do what I have to do to make money so I can survive but this is why I'm looking for a new job.

    You pull the "bait and switch" technique on customers in order to get a foot in their home. For example, "sir you are entitled to these benefits through your union and it's my job to come by and distribute them to you at no cost." Then you very very briefly mention that there are additional benefits they may qualify for, not telling them it's life insurance. Once in the home you quickly distribute their no cost benefits they already have regardless if we come out to see them or not, and then explain how they are going to die and that you need to protect your family so they don't have to pay for your funeral. Even if they already have life insurance you have been trained to tell and sell upon the "fact" that your product will actually pay out among a few other reasons why AIL is the best company.

    Let me emphasize these points:
    - AIL is very misleading
    - My managers specifically are hypocritical and borderline unethical.
    - You will have no work/life balance
    - Always hiring new agents because management needs to "code" a few agents in about a month and a half to keep their leadership bonuses. If you don't fit in the company they WILL hire you and fire you. They won't fire you immediately they will set you up for failure and make you quit or fire you after not hitting your quota for a few weeks.
    - Many leads are not new and have been recycled, even after the customer declined interest.
    - Management will over-promise and try to sell you on how much money you will make and tell you how much money they make and yet (specifically speaking about my managers) do not live lavishly to say the least.
    - If you don't make a sale or get an many appointments set it is always your fault and furthermore that means you didn't make a paycheck either.

    Advice to Senior ManagementRead my review then assess, reevaluate, and restructure your business accordingly. This is not a scam of a company and life insurance will help protect families. However, the way we go about selling life insurance is very shady and borderline unethical.

    No, I would not recommend this company to a friend

    • Culture & Values
    • Work/Life Balance
    • Senior Management
    • Comp & Benefits
    • Career Opportunities
    • No Opinion of CEO

    3 people found this helpful  

    Long Hours, Haphazard pay, Can be rewarding, but difficult

    Insurance Agent (Current Employee) Eatontown, NJ

    ProsThere is the potential to do very well after a year or two

    ConsCommission Only, Little Benefits, Grueling work schedules, 12 or 1-10pm or later, Work Saturdays 8am-2pm, Encouraged to even work more hours like Sundays. No concept of work/life balance.

    Advice to Senior ManagementAllow people to have more flex schedule, and to do more door knocking, less calling after a while. Allow people to spend time with family. Commission only, but worked crazy overtime.

    – I'm optimistic about the outlook for this company

    • Culture & Values
    • Work/Life Balance
    • Senior Management
    • Comp & Benefits
    • Career Opportunities
    • No Opinion of CEO

    1 person found this helpful  

    Challenging

    Insurance Producer (Former Employee) Pelham, AL

    ProsWill challenge your work efforts

    ConsLong nights and weekends donot exist

    Advice to Senior Managementno comment

    No, I would not recommend this company to a friend

    • Culture & Values
    • Work/Life Balance
    • Senior Management
    • Comp & Benefits
    • Career Opportunities
    • No Opinion of CEO

    1 person found this helpful  

    Fun and friendly but financially strenuous

    Sales Agent (Current Employee)

    ProsSupportive Management, opportunity for advancement, earning potential is there for right person

    Consincome is 100% commission, cold calling - while they make it a fun atmosphere some of the people you talk to are angry because they have already been called, have to work long hours to make sales

    Advice to Senior ManagementBe upfront with people during interview process about exactly what they will be doing and how everything works

    Yes, I would recommend this company to a friend

    • Culture & Values
    • Work/Life Balance
    • Senior Management
    • Comp & Benefits
    • Career Opportunities
    • No Opinion of CEO

    1 person found this helpful  

    Great company for what their concept is.

    Insurance Sales Agent (Former Employee) San Jose, CA

    ProsAll leads are given. Do not need to reach friends and family.

    ConsLong hours and hard to find a solid team to work with.

    Advice to Senior ManagementHave a better training process and active management.

    No, I would not recommend this company to a friend – I'm optimistic about the outlook for this company

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