American Income Life Reviews | Glassdoor

American Income Life Reviews

Updated June 15, 2017
233 reviews

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233 Employee Reviews

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Pros
  • A lot of opportunity to make a lot of money (in 73 reviews)

  • If your goal is to make a lot of money, you can do that here (in 60 reviews)

Cons
More Pros and Cons

  1. Helpful (1)

    "Benefits Specialist Interview"

    Star Star Star Star Star
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - Benefits Specialist in Ann Arbor, MI
    Former Employee - Benefits Specialist in Ann Arbor, MI
    Doesn't Recommend
    Neutral Outlook
    Approves of CEO

    I worked at American Income Life (Less than a year)

    Pros

    Compensation was a reasonable amount.

    Cons

    Hours were unrealistic. 2-8 Everyday along with Saturdays.


  2. Helpful (3)

    "SA"

    Star Star Star Star Star
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Employee - Supervising Agent in Naperville, IL
    Current Employee - Supervising Agent in Naperville, IL
    Recommends
    Positive Outlook
    Approves of CEO

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

    Pros

    Unlimited opportunity yes. Continuous training. You do not pay for leads. You have a great opportunity with working with members and the community.

    Cons

    You will work very hard with long hours. There is no down time. Down time means no pay check. You will work from the time you wake to the time you sleep.

    Advice to Management

    Be upfront and consistent.

  3. Helpful (2)

    "Insurance Sales Agent - Training provided"

    Star Star Star Star Star
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - Insurance Agent in Tacoma, WA
    Former Employee - Insurance Agent in Tacoma, WA
    Recommends
    Neutral Outlook
    No opinion of CEO

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

    Pros

    The training that you get is great, management is very motivational and team oriented. No experience necessary and they are rated in the top 100 companies to work for in the Seattle area.

    Cons

    Pay is commission based only, if you don't make a sale, you don't get a check. I needed something more dependable. Also reliable transportation is a requirement as travel is part of the position.


  4. Helpful (1)

    "READ THE CONS"

    Star Star Star Star Star
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Employee - Insurance Agent in Corona, CA
    Current Employee - Insurance Agent in Corona, CA
    Doesn't Recommend
    Negative Outlook
    No opinion of CEO

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

    Pros

    It is up to you and hard work to make a paycheck.

    Cons

    You are extremely micro managed! The contract is written that you are an independent contractor. This is not the case. You are lead to believe that you can make your own schedule this is not the case also. You have to go sit in an office for 2 days out of the week for hours calling people that wont answer their phones. My personal phone goes off in all hours of the night and morning with my MGA asking for numbers and rude remarks!
    You are lead to believe that you get 50% commission off of a sale. this is also not true! So that pay is spelled out just as such. If you sale a $1000 dollar a year premium you get $500 dollars BUT WAIT they tell you that you are always building your back end so they only give you 65% of that $500 dollars which comes out to $325! They do have a bonus program that adds a little to your pay check but that is about it!
      There is hardly ever the proper materials to go out in the field with! we are making copies constantly. When you go out in the field with JINKY paperwork the people you sit in front of think you are a JINKY company and don't buy!
    this all for now

    Advice to Management

    QUIT WITH THE MICRO MANAGEMENT!!!! ORDER PROPER MATERIALS AND KEEP THEM STOCKED! QUIT TEXTING PPL IN THE MIDDLE OF THE NIGHT AND EARLY IN THE MORNING!!!


  5. "Reasons to ask more questions"

    Star Star Star Star Star
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - Benefits Representative in Orlando, FL
    Former Employee - Benefits Representative in Orlando, FL

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

    Pros

    Friendly Staff to work with and very supportive

    Cons

    This is a commission only job and can be very tough. Schedule varies to much.


  6. "Great job if you work hard"

    Star Star Star Star Star
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Employee - Insurance Agent in San Antonio, TX
    Current Employee - Insurance Agent in San Antonio, TX
    Recommends
    Neutral Outlook
    Approves of CEO

    I have been working at American Income Life full-time

    Pros

    unlimited salary you are your own boss great training great support

    Cons

    100 percent commission
    long hours
    you get what you put in

    Advice to Management

    dont let people go out into the field until they are completely ready


  7. "Supervising Agent"

    Star Star Star Star Star
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Contractor - Anonymous Contractor in League City, TX
    Former Contractor - Anonymous Contractor in League City, TX
    Doesn't Recommend
    Neutral Outlook
    Approves of CEO

    I worked at American Income Life as a contractor (More than a year)

    Pros

    Skills learned on the job will prepare you for the next step in your career. You can make a lot of money= commission, renewals, bonuses, and overrides if you get into management. If you become a personal produce instead of climbing the ladder, you can make your own schedule and make good money, just not as much as you will make having a team under you.

    Cons

    Be prepared to work long hours. Warm calling is sometimes more like cold calling.

  8. Helpful (1)

    "Agent"

    Star Star Star Star Star
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Employee - Insurance Agent in Baltimore, MD
    Current Employee - Insurance Agent in Baltimore, MD
    Doesn't Recommend
    Neutral Outlook
    No opinion of CEO

    I have been working at American Income Life full-time

    Pros

    You have the ability to make unlimited income.

    Cons

    My office's SGA micromanages on an hourly basis (if not more often) and treats all of his employees like w-2 employees and not the 1099 contractors that we are. Work hours are at best 9am-9pm 7 days a week, but again...this is something specific to my office location and is different at each office.

    Advice to Management

    STOP treating contractors as w-2 employees. The stress of the micromanagement and ridiculously long, never-ending work schedule is insane. If someone needs to take time to take a child to the doctors or something similar, they should not be made to feel bad for having to do so.


  9. Helpful (1)

    "High pressure and high risk with potential for high reward"

    Star Star Star Star Star
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - Life Producer in Honolulu, HI
    Former Employee - Life Producer in Honolulu, HI
    Doesn't Recommend
    Negative Outlook

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

    Pros

    Possibility of high reward but you really have to hustle.

    Cons

    Leads go to best performers usually.

    At the mercy of your mentor and whether or not he wants to share commission with you while training.

    All commission based

    Management breathing down your neck


  10. "It depends on your SGA, it depends on you"

    Star Star Star Star Star
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - Benefits Specialist in Atlanta, GA
    Former Employee - Benefits Specialist in Atlanta, GA
    Negative Outlook
    No opinion of CEO

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

    Pros

    Great environment
    Understanding Managers that want you to succeed
    Competitive culture
    Go get em mentality

    Cons

    Not everyone is suited to be a salesman
    The training was abysmal
    No paid training
    Complete commission on benefits specialist positions
    Depending on your branch, expect 12+ hour workdays

    Advice to Management

    Quality over quantity. Get people who are good at it rather than just who wants the job can get the job.


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