American Income Life

  www.ailife.com
  www.ailife.com
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American Income Life Reviews

Updated September 16, 2014
Updated September 16, 2014
502 Reviews
3.2
502 Reviews
Rating Trends

Recommend to a friend
Approve of CEO
American Income Life CEO Roger Smith
Roger Smith
296 Ratings

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

193 Employee Reviews Back to all reviews

Sort: Popular Rating Date
  1. 11 people found this helpful  

    "Don't drink the kool-aid" I'm leaving for good reasons. Please read all

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

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

    Pros

    Good bonus structure
    Nothing else
    Watered down leads
    Move listed below
    Please read

    Cons

    Terrible management
    Horrible trainers
    Unprofessional
    Lies and deceit all around the board
    Read more below

    Advice to ManagementAdvice

    Quit using and manipulating employees and clients.
    The Reality:
    Their psychological power of manipulation is very compelling. These people are masters of manipulation and intertwine their own religious beliefs to add to the perception of their conviction and belief in the business. Do not be fooled. Make them prove what they say. They instill an environment of brutal competition, pitting associates against one another for greater production and the loser is often publicly humiliated and stands to lose money as a consequence.
    When you've had enough and want to seek other employment. you will hear things like, "mental toughness", "would you quit on your hopes and dreams", "quitters never win".....they will mess you up in the head so bad that you stay on, plugging away, going deeper and deeper into a very dark place. This is also part of the psychology surrounding building a "team". Now you are directly responsible for those you have brought in under you and to the clients you have sold products to. Most people find it impossible to quit under these circumstances that they continue, regardless of their personal dilemmas. And by the way you never actually get to keep the "team" you build if you foolish enough to stick around. The divided it almost other members of management. Without cause to keep you where they need you....plugging away.

    Be prepared to spend all your all and money on meetings, seminars, self-improvement, getting licensed, "office costs" "recruiter fees". Assist "plug in fees" and attending "Big Events"..... The only actual big event are for the RGA's and MGA's any underneath them is used, manipulated and disgarded

    Disapproves of CEO
  2. 3 people found this helpful  

    unique company, great culture, just bad timing for me

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

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

    Pros

    Income was high
    Environment was uplifting
    motivational coaches
    strong leadership
    successful training
    100% commitment from management to agents (what i found most important)

    If I didn't have family issues come up, this would have been my lifelong career.
    I felt compelled to share this information after seeing other reviews, people should know that this company will give you what you need from it, as long as you PUT IN the work ethic. Thank you for the experience and life lessons that will carry over with me AIL.

    Cons

    longer hours to start up
    very competitive
    younger crowd

    Advice to ManagementAdvice

    maintain stronger relationships from top of command all the way down to bottom.

    Recommends
    Positive Outlook
    Approves of CEO
  3.  

    life changing experience!

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - Master General Agent  in  Morgantown, WV
    Current Employee - Master General Agent in Morgantown, WV

    I have been working at American Income Life full-time for more than 3 years

    Pros

    money is amazing with an opportunity unmatched by other companies ive explored

    Cons

    long hours and need for mental toughness good work ethic is a must

    Advice to ManagementAdvice

    continue upping pay structure people continue to work harder

    Recommends
    Positive Outlook
    Approves of CEO
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  5.  

    So grateful to have found this opportunity to change my life forever!

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

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

    Pros

    Unlimited earning potential.
    The ability to get out of a job what you put in.
    The overwhelming satisfaction of knowing I am truly helping families.
    Having the freedom to work my own schedule as I see fit.
    Opportunity for advancement in as little as 4 weeks.
    Accountability based on my expectations and goals, not on an arbitrary figure set by someone else.
    Residual income for life!

    Cons

    Work life balance during the beginning of career. You do have to sacrifice time now, but the long term reward is definitely worth what you give up.

    Advice to ManagementAdvice

    Keep those bonuses coming!

    Recommends
    Positive Outlook
    Approves of CEO
  6. 1 person found this helpful  

    Everyone was friendly.

    Current Employee - Anonymous Employee
    Current Employee - Anonymous Employee

    I have been working at American Income Life

    Pros

    I like meeting all different type of people.

    Cons

    If you don't sign anyone up for the week, you won't get paid.

  7.  

    Awesome!

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

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

    Pros

    Flexibility, opportunity unlimited, amazing earing potential

    Cons

    nothing comes to mind at this time

    Advice to ManagementAdvice

    Keep doing what you're doing....awesome company!

    Recommends
    Positive Outlook
    Approves of CEO
  8.  

    AIL is very rewarding. I protect families and change lives.

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - General Agent  in  Arlington, TX
    Current Employee - General Agent in Arlington, TX

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

    Pros

    What we do and who we are is all done with heart. The financial portion with AIL is a plus. AIL has changed my life drastically in a matter of weeks. I'm in Leadership and get to impact several lives.

    Cons

    Adjusting to office and field time was a challenge, but overcame it pretty quickly. The rewards and satisfaction overcame the challenge.

    Advice to ManagementAdvice

    I want to be the cultural change within the office.

    Recommends
    Positive Outlook
    Approves of CEO
  9.  

    Finally!

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - General Agent  in  Woburn, MA
    Current Employee - General Agent in Woburn, MA

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

    Pros

    Working with People and not being held down from what I want in a career and a life. The income is great and attainable with hard work.

    Cons

    Be ready to work, but no one that has success, financially or personally, will ever say it was easy.

    Advice to ManagementAdvice

    Hard to say, with so many moving parts this is pretty well streamlined.

    Recommends
    Positive Outlook
  10. 2 people found this helpful  

    Good, just unable to work with broke down vehicle.

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - General Agent  in  Amarillo, TX
    Current Employee - General Agent in Amarillo, TX

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

    Pros

    Great benefits, flexible schedule, and more time for family. You also get the satisfaction of knowing your helping others. Also the ability to promote.

    Cons

    Commission sales position, no sales no paycheck.

    Advice to ManagementAdvice

    Pay an hourly until agents on feet.

    Recommends
    Negative Outlook
    No opinion of CEO
  11. 2 people found this helpful  

    Uplifting

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

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

    Pros

    Great opportunity for anyone with discipline. Supportive atmosphere with advancement achieved by performance not seniority. No politics here. Just positivity and great leadership.

    Cons

    Sacrifice must be made in the beginning by working hard but that's true with any significant accomplishment.

    Recommends
    Positive Outlook

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