American Income Life

  www.ailife.com
  www.ailife.com

American Income Life Reviews

Updated December 21, 2014
Updated December 21, 2014
594 Reviews
3.1
594 Reviews
Rating Trends

Recommend to a friend
Approve of CEO
American Income Life CEO Roger Smith
Roger Smith
340 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

Employee Reviews

Sort: Popular Rating Date
  1. 1 person found this helpful  

    Interesting & stressful. Way out of my element for employment

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

    I have been working at American Income Life as a contractor (less than an 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
  2.  

    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 an 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
  3. 4 people found this helpful  

    Scam or not a scam? I didn't want to stay long enough to find out, didn't feel right.

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

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

    Pros

    High potential to make really good income and climbing the ladder within the company is definitely a possibility. It had a fun atmosphere and good vibes within the offices.

    Cons

    They didn't train me properly, not saying that they never do or have, but they seemed only interested on making money off what I was able to sell, rather than preparing me enough to go onto the field. It seems at first like they're interested in the employees doing well, but only to get themselves farther, not for you.

    Advice to ManagementAdvice

    Be upfront during the hiring process. Perhaps it will lower the turnover rate, instead of hiring/advertising for a different position and then actually telling you what you'll be doing after the initial interview; also letting the new employees know what they're actually getting into instead of dragging it out the 3 months just to get your bonus would be greatly appreciated.

    Doesn't Recommend
    Neutral Outlook
    No opinion of CEO
  4. Is this helpful? The community relies on everyone sharing – Add Anonymous Review


  5. 1 person found this helpful  

    All hype

    • Comp & Benefits
    • Work/Life Balance
    • Career Opportunities
    Former Employee - Insurance Sales Agent
    Former Employee - Insurance Sales Agent

    I worked at American Income Life full-time

    Pros

    high ceiling for income; really nice people; youthful environment

    Cons

    Unless you are willing to work 90+ hours per week you will not make anywhere near what they promise you during the interview

    Advice to ManagementAdvice

    stop inflating expectations and you'd have lower turnover rates

    No opinion of CEO
  6.  

    The company is full of great people that will try their best to help and motivate you to reach your goals

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

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

    Pros

    Potential Growth
    Motivational Leaders
    Office Culture
    Easy sales presentation

    Cons

    There is no work life balance for the first couple years in this company
    100% commission
    Daily grind and unknown
    Only a few products to offer clients

    Advice to ManagementAdvice

    I believe this company will continue to grow and succeed because they have extremely talented and motivated people. It is very hard to make it and last in this industry. Unfortunately only a small percentage of people will make it and they will continue to use the hopes of the others that will fail to help them grow during the process. Their own leaders will tell you this "this is a recruiting company, not a life insurance company"

    Doesn't Recommend
    Positive Outlook
    Approves of CEO
  7. 1 person found this helpful  

    Opportunity is great if you're the right person

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

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

    Pros

    The people you work with are kind and willing to help. Lots of growth opportunity if you're the type who can naturally sell.

    Cons

    100% commission based. Terrible wear on the motor vehicle. Leads were not great. Commission is not worth it to sell term life insurance (the type most needed).

    Advice to ManagementAdvice

    Drop the Pyramid nature of the model.

    Doesn't Recommend
    Negative Outlook
    No opinion of CEO
  8. 3 people found this helpful  

    Breaking Even

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

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

    Pros

    Friendly people to work with, not too hard hours

    Cons

    Not making enough to even get gas for my car to travel to work.

    Advice to ManagementAdvice

    Compensation for gas, pay for training.

    Recommends
    Neutral Outlook
    Approves of CEO
  9. 1 person found this helpful  

    Don't believe their scheme...

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Former Employee - "Independent" Agent- Required to BE In Office in Oklahoma City, OK
    Former Employee - "Independent" Agent- Required to BE In Office in Oklahoma City, OK

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

    Pros

    Great motivational managers.

    Yes, that is all.

    Cons

    Pyramid scheme from the get go. Horribly long hours and continual lies about what you're doing and where it's going to get you. The "leads" they give you are horrible and so old that many of the people you contact from them are angered that you're "just now" calling.
    Spent so much money getting licensed, driving around, and going in for "required" days that there was NO payoff in the end.

    Advice to ManagementAdvice

    Only God will judge you.

    Doesn't Recommend
    Negative Outlook
    Disapproves of CEO
  10. 2 people found this helpful  

    JUST HORRIBLE - Horribly structured, horrible leads, horrible management

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

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

    Pros

    My coworkers were kind. Not much else to say about management or the structure of this company.

    Cons

    Work-life balance was awful, with many agents that wished to do well in the business up before the sun and back home around midnight. On top of that, there is no hourly rate and the job is strictly commission. Leads were recycled and usually quite old, at times with the client or customer deceased for years. Most fresh leads were picked through by management and the remainder were given to new agents. Bonus systems were structured with a trickle down effect, where the higher ups gained the most off of the labor of newer agents. It was just awful.

    Much of my issue was with the Arlington office and it's management. If you hear the name Bob Wingate, run away. I would rather work two or three jobs where I know my work is paid for and appreciated as opposed to selling life insurance products that are easily blown out of the water by various other insurance companies.

    Advice to ManagementAdvice

    Since I have left, so have various other managers and employees. If the average time an agent stays at your company is 4 months to a year, then you're doing something wrong. Especially if the company has been around for decades.

    Doesn't Recommend
    Negative Outlook
    No opinion of CEO
  11.  

    Hard work equals great pay

    • 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 (less than an year)

    Pros

    If your willing to work the opportunity is limitless. Be ready to run seven days a week with leads you create and recieve.

    Cons

    Burn out and turn over is high.

    Advice to ManagementAdvice

    Work on keeping good people to reduce turn over.

    Approves of CEO

American Income Life Photos

Work at American Income Life? Share Your Experiences

American Income Life

 
Click to Rate
or

Your response will be removed from the review – this cannot be undone.