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American Senior Benefits Reviews

Updated February 6, 2018
63 reviews

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3.5
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Jim Sweeney
9 Ratings

63 Employee Reviews

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Pros
  • ASB provides great training and support (in 4 reviews)

  • Great job helping seniors with insurance products (in 6 reviews)

Cons
  • simply READ THE CONTRACT before you sign it (in 3 reviews)

  • endless cold calls followed by a low conversion of field appointments (in 4 reviews)

More Pros and Cons

  1. "Don’t look any further"

    StarStarStarStarStar
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Employee - Anonymous Employee
    Current Employee - Anonymous Employee
    Recommends
    Positive Outlook
    Approves of CEO

    I have been working at American Senior Benefits full-time

    Pros

    Finest opportunity in financial services today. The company gives everyone the best products to meet clients needs, coupled with the best prospecting programs, payouts, and vesting and ownership. If you have talent and are willing to work hard, you will find no better company or culture in America.

    Cons

    None, other than if you don’t work hard don’t expect success


  2. "medicare specialist"

    StarStarStarStarStar
    • Culture & Values
    • Senior Management
    Former Employee - Medicare Sales Representative in Columbus, OH
    Former Employee - Medicare Sales Representative in Columbus, OH
    Doesn't Recommend
    Negative Outlook
    Approves of CEO

    I worked at American Senior Benefits part-time (More than a year)

    Pros

    at the Columbus, Ohio office, so far, none

    Cons

    Until they keep a manager without any turnover there is nothing but cons

    Advice to Management

    try and give your people who were hired by your manager some help even though you then fired that manager!

  3. "Making a difference"

    StarStarStarStarStar
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Employee - Operations Director in Gainesville, FL
    Current Employee - Operations Director in Gainesville, FL
    Recommends
    Positive Outlook
    Approves of CEO

    I have been working at American Senior Benefits full-time (More than 3 years)

    Pros

    I really see how what we do makes a difference in people's lives. In some cases, we save people a tremendous amount of money, and sometimes we save them just enough.

    Cons

    Overcoming preset judgments to lump us in with the other types of companies.


  4. "Agent"

    StarStarStarStarStar
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Employee - Insurance Agent in Chico, CA
    Current Employee - Insurance Agent in Chico, CA
    Recommends
    Positive Outlook
    Approves of CEO

    I have been working at American Senior Benefits full-time

    Pros

    Everything I need to help people and fell like I'm making a difference in people's lives.

    Cons

    You have to work hard. But it's wirth it

    Advice to Management

    Thanks for always being there for me.


  5. Helpful (3)

    "Successful Agent"

    StarStarStarStarStar
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Employee - Agent in Maple Grove, MN
    Current Employee - Agent in Maple Grove, MN
    Recommends
    Positive Outlook
    Approves of CEO

    I have been working at American Senior Benefits full-time (More than 8 years)

    Pros

    "Putting People Back in the People Business" is who we are and we live by this. I've been with ASB since 2009. I struggled as a new agent and new to the sales industry. I kept at it until I got it right, and now I'm earning a good living.
     There is no better opportunity, no ceiling, and you get what you put into it. They are about training, support and growth. I am proud to be a part of this agency, and I will be around for life.

    Cons

    The only way to fail, is to not put in the work. Starting out you need do cold calling. It's not fun, but you have to start somewhere. I've seen a lot of agents fade out.. but only because they didn't commit to doing the work. They had the ability, but didn't give it time (or their time). No one's going to spoon feed you. Well maybe a little, but at some point you need to be cut off so you can learn and grow. The difference between a starving agent, and a successful agent, is the diligence shown in the beginning of their career and the consistency in your work week.

    Advice to Management

    Keep doing what you are doing. I appreciate you all!


  6. Helpful (2)

    "Awesome Opportunity"

    StarStarStarStarStar
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Employee - RSM in Chico, CA
    Current Employee - RSM in Chico, CA
    Recommends
    Positive Outlook
    Approves of CEO

    I have been working at American Senior Benefits full-time (More than 10 years)

    Pros

    What an incredible life I've been blessed to offer my family. You have the opportunity to make as much money as you want. You just have to be willing to go get it.

    Cons

    Not everyone realizes all you want to do is help them. Getting in front of people so you can tell them your story is always a challenge, but if you keep with it and create relationships it all gets easier.

    Advice to Management

    Agents need to take ownership in their successes and their struggles. Managers are there for support. Not to accept blame.


  7. Helpful (3)

    "Do your research...."

    StarStarStarStarStar
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - Anonymous Employee in West Jordan, UT
    Former Employee - Anonymous Employee in West Jordan, UT
    Doesn't Recommend
    Negative Outlook
    Disapproves of CEO

    I worked at American Senior Benefits full-time (More than 5 years)

    Pros

    The company as a whole is not a bad company, however each Regional Manager (franchise owner) has their own methods which creates inconsistencies within the company. The individual agents and managers nationally are a great group of individuals and I have created some wonderful long-lasting relationships. The Industry this company falls into is why I do this!! I love the industry.

    Cons

    Read the reviews online. Make sure you note what area those reviews are originating, some areas are better than others but ultimately READ THE CONTRACT before you sign anything and make sure you research other companies before you make a decision. You can search for common 'Red Flags' within insurance company models. I encourage everyone interested in this career choice to do so and AGAIN read the contract before signing anything. The model is really geared toward the managers and promoting managers within the agency.

    I was a highly successful agent and manager with this company. I learned a lot, which is why I could not stay.

    My negative review of the company is based primarily how things are handled in the Salt Lake Region, which covers Utah, Idaho, Colorado and some other areas.

    Advice to Management

    My advice would be to develop consistencies with your Regional Sales Managers on a national basis. Also to pass more commission down to the newer agents who struggle to get started in the first place.

  8. Helpful (3)

    "Sales Manager"

    StarStarStarStarStar
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - Sales Manager in Salt Lake City, UT
    Former Employee - Sales Manager in Salt Lake City, UT
    Doesn't Recommend
    Negative Outlook
    Disapproves of CEO

    I worked at American Senior Benefits full-time (More than 3 years)

    Pros

    This is a manager centric business model so if you are manager you will benefit the most. They spend a lot of money on recruiting which helps you as a manager overcome the high agent turnover rate

    Cons

    It's very difficult for agents to succeed based on the lower commission levels. They say the training and lead support justifies the lower commission levels but you can get the same support at a significantly higher commission rate at other organizations. They have a 3 year Vesting schedule...Ridiculous and you are silly if you sign their contract. Commissions get paid to ASB not you so if you leave and they think you break the contract they simply stop paying you until they can come up with proof...that's assuming you are even vested at that point. No reason to sign up for a 3 yr vesting schedule or have your commissions assigned to the agency when you can get lifetime vesting on day 1 and commissions paid directly to you from the insurance companies at several other similar organizations. I'm convinced the only people that sign up to work at American Senior Benefits are people new to the insurance industry and don't have a clue or agents from other organizations who are getting screwed if harder. Don't take my word for it....simply READ THE CONTRACT before you sign it! By the way...this is coming from a top producer who left ASB and is making way more money while enjoying actual ownership of my business.

    Advice to Management

    You really need to have carriers do the trainings...much more engaging and enlightening.


  9. Helpful (3)

    "Pyramid Scheme"

    StarStarStarStarStar
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - Insurance Agent in Boise, ID
    Former Employee - Insurance Agent in Boise, ID
    Doesn't Recommend
    Negative Outlook
    Disapproves of CEO

    I worked at American Senior Benefits full-time (Less than a year)

    Pros

    They will pay for your insurance license training. You won't have to worry about locking up because they won't give you a key!

    Cons

    You pay them to work for them. They charge you for office expenses and require you to purchase their leads. You are in the negative from day one. Even if you are a high performer you will struggle to make any money at all. I believe that they rely on the influx of new "employees" paying office expenses to cover their own costs. On top of that, most of your office needs will occur when the office is closed (BUT YOU PAY THEM FOR OFFICE EXPENSES!). Be prepared to have a home office in order to get your work done.

    Commissions are very meager.

    Advice to Management

    You should be ashamed of yourselves for the way you treat your "employees." You demand that they work only for you, require them to pay office expenses and buy your leads, yet your commissions are paltry. I knew sales leaders who were receiving food stamps and selling plasma to buy groceries.


  10. Helpful (1)

    "Recruiting Director"

    StarStarStarStarStar
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Employee - Recruiting Coordinator in West Jordan, UT
    Current Employee - Recruiting Coordinator in West Jordan, UT
    Recommends

    I have been working at American Senior Benefits full-time (More than a year)

    Pros

    I love seeing people come into our business and their lives change! I work with all of the agents each day and I know first hand what kind of money they are making and the lifestyle they are living. It's wonderful to see people take back their freedom.

    Cons

    The biggest con for me isn't with the company, it's with those people who aren't willing to recognize that they are opening a business. When you open a business you need to be willing to put in the time, hard work and money.


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