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American Income Life

Part of Globe Life
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American Income Life

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Employee Review

  1. 1.0
    Former Employee, less than 1 year

    Not a scam company, but a scam for employment.

    Oct 24, 2012 - Insurance Agent in Edina, MN
    Recommend
    CEO Approval
    Business Outlook

    Pros

    Possibility for huge amounts of commission money.

    Cons

    Super sneaky! You sign 15+ papers on the day of employment; almost everyone is hired because the turnover is huge. Training does not exist, you just are told what to do. During "booking" to set up meetings with potential buyers, I was ordered to call the same people up to five times. Some were yelling, most just hung up...one threatened to get her lawyer involved. I was told "you can do this part time around you school schedule when the semester starts" but upon going to the first meeting, I learned that "in order to be successful at AIL, you need to put in 70 hours per week". Then I also discovered you do not receive your first commission sales until you've been there six months. I left, and then found out I owed them $320 for the license they had me pay for. I then got a bunch of negative emails and TEXTS about how unprofessional I was as an AIL agent; I informed them that my contract said specifically that I was an independent contractor. A boss that texts you after working there a week? The only thing professional about AIL is their dress code. Also...they go on frequent trips to Iowa, where there are less strict laws on pre-existing conditions so they can get more sales.

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    325 people found this review helpful
  1. 5.0
    Current Employee

    great company

    Nov 30, 2021 - Sales Manager in Pittsburgh, PA
    Recommend
    CEO Approval
    Business Outlook

    Pros

    great company best ever of all time

    Cons

    no cons just a great place

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    American Income Life Response

    HR Manager

    Thank you for your feedback and for your hard work and dedication to AIL. Providing our team with the opportunity to make a generous living while offering valuable financial protection to working families in the community is our goal. As you know, with a strong work ethic and our supportive management this career can be very rewarding. Best wishes to a long future of success with AIL.

  2. 4.0
    Current Employee, more than 5 years

    Might Be The Longest & Hopefully the Most Honest & Balanced Review on Glassdoor Concerning AIL. Please read to the end!

    Sep 2, 2014 - Regional Director 
    Recommend
    CEO Approval
    Business Outlook

    Pros

    So many pros here....let's start with: 1) Freedom & flexibility- the ability to be an independent contractor (1099 associate) who can set their own hours, work pace, and income level. 2) Preparation for the future- It is also nice that you can utilize AIL to gain valuable knowledge about sales, marketing, business development, communications and almost any other valuable skill/trait you would normally acquire in a university/college setting before setting out into the professional world. AIL is a great place for people to develop a solid core for what may lie ahead in their future for what they ultimately want to do for the rest of their lives. 3) A fully-vested, Union-protected 10-year renewal plan makes achieving whatever you want to do in life possible- whether it is starting your own business or a non-profit, without taking out huge small business loans. Work hard now- enjoy the financial benefits for the rest of your life. 4) The socialization aspect: from policyholders to co-workers to the random person that opens up the door to you on a daily basis there is never a boring day @ AIL. In short, we get paid to drive, talk, and help educate people on how to be financially literate when it comes to insurance and savings. Also, we get invited to BBQ's, family functions, and many other cool events from our members. It is impossible to work @ AIL and not develop a strong social network as a result of working here! 5) The opportunity to be given recognition and additional responsibilities based on your own results, instead of on tenure or who you know 6) Legitimate 6-figure income reality...I've personally only had 1 year under $100,000 and I took a ton of time off that year. I had never made more than 50,000 per year working 60-70 hours per week in retail prior to AIL. 7) Good Senior Leadership/Mentors: although rare, this company truly some fantastic individuals sitting in high-profile & decision-making positions within the company...many of whom truly live the company's mottos and operating principles to the 'T' 8) Ability to rebound quickly in a financial crisis- whether it happens directly or indirectly to you there a very few professional opportunities where you can go make an extra 10K or so the following month, even if you are not a manager. While money is the root of all evil, it can also help you do great by and support those around when times get tough. As long as someone focuses on the beneficial aspects of the monetary opportunity at AIL they will be in a good place. 9) Running your own business- as long as you are showing results and growth, you can run your own office(s) with nearly absolute autonomy. But, unlike running your own traditional business, you have the support of a Fortune 700 company and its senior leaders when you need it. It's the best of both world's really.

    Cons

    NOTE: Every individual AIL office is franchised and no two are exactly alike in nature...just like a fast-food chain or multiple-location gym. Depending on your SGA (AIL franchise-owner), RGA, MGA, and other upline managers, you may have the above-mentioned freedom & financial opportunities inhibited by several factors including: 1) Micromanagement- many managers treat their associates like W-2 employees in their daily interactions with them and should be reminded of the 6-Point Test for Independent Contractors to help them develop a working relationship that is more true to the nature of their contract. Recommend to do something, but not require them to do something. Small but huge difference between the two. 2) Too heavy of a focus on the scripts- teach your associates the script and it's key components but don't hold back their creativity and interpretation of the presentation- remember, you hired them because they were intelligent beings (I hope)...not script-reciting robots. 3) Mandatory Meetings- yikes, this is a huge legal volcano waiting to bury the SGA's of this company. Recommend attendance and explain why it is important associates are there...and leave it at that. 4) Lack of accountability from senior management- remember, you are not infallible...quit making promises you can't back up and if you fail to uphold your end of the bargain, make it right in whatever way possible! 5) Buddy-buddy system- depending on the SGA, many are very cliquey and develop too tight of an inner-circle where the general attitude becomes very akin to a fanatic cult. Stay true to your standards and guidelines, not to who challenges you the least and edifies the very ground you walk on 6) Chargebacks and selective underwriting- you may actually owe the money back to the company if you submit a policy that does not get issued due to health, even though sometimes the insured met the underwriting guidelines of the field guide you were issued. AIL also does not like to underwrite large policies for some reason. 7) Too many traps in the bonus system- many times as a senior manager I have not earned the bonuses I projected on earning because of the several pitfalls in the bonus system, such as the quality of the downline manager (the manager you are supervising), the fact that your downline managers did not code enough new associates (even though you might have) 8) The Peter-principle- associates are promoted to management positions to rapidly in many SGAships across AIL so they never get a chance to fully grow into their previous role and end up failing miserably at everything. Give junior associates more time to hone their skills before throwing the next task(s) at them. If you want to grow so bad, go do it yourself and stop forcing others to take on your responsibilities.

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    1851 people found this review helpful

    American Income Life Response

    HR Manager

    Thank you for your thorough review of the AIL opportunity. We appreciate you taking the time to help others understand the uniqueness of our Independent Agent position. We enjoy seeing our agents succeed and know that hard work and dedication is a staple of a successful AIL agent. We thank you for being a part of our AIL family!

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