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American Income Life Overview

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Waco, TX
10000+ employees
Subsidiary or Business Segment
$500 million to $1 billion (USD) per year

Working at American Income Life

American Income Life Insurance Company has served working class families since 1951. Our life and supplemental accident and health products help protect members of labor unions, credit unions, associations and their families. AIL is a company that cares about its policyholders ... Read more

American Income Life Reviews

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American Income Life CEO Roger Smith
Roger Smith
798 Ratings
  • Helpful (35)


    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Employee - Insurance Sales Agent in Daytona Beach, FL
    Current Employee - Insurance Sales Agent in Daytona Beach, FL
    Positive Outlook
    Approves of CEO

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


    I've worked with AIL for a year now and the pros definitely out way the cons.

    - no cold calling
     - the leads are given to you
    -you have the ability to set your own schedule
    -you don't have to work more then 40 hours a week
    -you can make this a part time job and still make a great pay check
    -the company isn't lieing to our clients and really does teach the agents to look out for the clients best interest
    -renewal income
    -ability to bonus every week
    -able to make your way up in this business, there are no limits


    - nights can be long
    -training is extensive (but necessary)
    -you must be able to obtain a license for this career.
    -some bad weeks and some good weeks

See All 1,773 Reviews

American Income Life Photos

American Income Life photo of: Leadership Academy
American Income Life photo of: VP Field Operations Domenico Bertini
American Income Life photo of: VP Agency Leadership Development Larry Strong and VP Field Ops Domenico Bertini
American Income Life photo of: VP Agency Leadership Development Larry Strong and Wayne Stinson
American Income Life photo of: Closer to the Heart in Los Cabos
American Income Life photo of: Roger speaking at 101
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American Income Life Interviews



Getting an Interview

Getting an Interview




  1. Helpful (43)  

    Benefits Representative Interview

    Anonymous Interview Candidate in Earth City, MO
    Declined Offer
    Negative Experience


    I applied through other source. I interviewed at American Income Life (Earth City, MO) in April 2017.


    Received a call from a lady telling me "Our hiring manager reviewed your resume and wanted to know when you could come in for an interview." I had to ask her what company she was with, what they sold/provided, and what the position was. She said the company was "American Income" and the position was "Benefits Representative". Then she asked if I could come in for an interview at 10am the next day.
    I asked what the duties of the "Benefits Representative" were. She said "Answer questions from union employees and make sure all paperwork is filled out and completed." I asked "That's all?" and she replied "Yep, that's it!" and I agreed to come in. She ended the conversation with "Now, make sure you come dressed 'business professional,' so no jeans or tennis shoes," which seemed pretty condescending. Of course you're going to wear a suit to a job interview.

    Do they get a lot of people interviewing in jeans and tennis shoes???

    Apparently so...I walked into a lobby full of diverse-looking people and thought "I'm the most professionally-dressed person in the room." The receptionist took my resume and references, then had me fill out a form. All of the information asked for on the form was ON MY RESUME. I hate having to fill out redundant paperwork. Why create a resume if they're not going to use it?

    I was taken into a nondescript office by an individual who said his position was "Benefits Director" and he said that was the position I'd be interviewing for. I felt like I'd been moved up in importance from "representative" to "director"! In the TWO MINUTE INTERVIEW, he asked why I'd left my former job. Then, upon hearing my answer, decided right there that I was AIL material and ushered me into the meeting room...with twenty other people. ***By the way, I asked where their hiring manager had found my resume and he said he had no idea.***

    An important-looking individual gave a stellar presentation. I asked the lady next to me what she was interviewing for and she said "Benefits Director/Representative" as well. Soon we found out that it was LIFE INSURANCE SALES. As soon as I realized this, I wanted to walk out. It was clear they'd gotten us there under FALSE PRETENSES and that their intent was to DUPE AS MANY PEOPLE AS POSSIBLE in the hopes that a few would be dumb enough to accept an offer.

    We filled out tons of paperwork and questionnaires, ending in a short 6-question summary, number 6 being "If offered a position, would you accept?" I decided to say "yes" to see what came next. The individual tried to call me around 6pm that night, but I didn't answer, having thought what a complete waste of time he had represented. I was tempted to call him back and let him know I figured out their FRAUDULENT and UNETHICAL method to dupe job seekers into coming in to interview for one job, only to find out it was something else completely. But I didn't want to waste any more of my time.

    Do NOT fall for their tactics. They are looking for WARM BODIES with NO ETHICS to peddle their product to union members.

    Interview Questions

See All 989 Interviews

American Income Life Awards & Accolades

  • A+ (Superior) Financial Strength Rating, A.M. Best Company, 2012
  • AFP Lifetime Achievement Award, Association of Fundraising Professionals (AFP), 2011
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