I cannot speak for others but the people who stay with the company are doing well financially and conducting business in an honest and ethical manner. Due to the nature of the anonymous postings, we have no way to verify the motives of the individuals writing these blogs, nor can we substantiate any of the claims that they are making.
WE HAVE SOLID RATINGS WITH THE BETTER BUSINESS BUREAU AND AM BEST, AN INDEPENDENT RATINGS ANALYST FOR INSURANCE COMPANIES.
You can read into anonymous postings from random strangers on the internet or look into OBJECTIVE FACTS FROM REPUTABLE SOURCES.
Here are the facts.
We are National Income Life Insurance Company in the state of NY. We are registered as American Income Life Insurance Company in the other 49 states. To date, we have over 2 million policyholders across the country.
National Income Life Insurance Company has an A rating with the Better Business Bureau. A total of 11 complaints have been filed against us with 6 closed in the 12 months.
American Income Life Insurance Company is rated A+. 77 complaints closed within the past 3 years.
Less than 100 complaints filed altogether. Over 2 million satisfied policyholders.
They are looking for naive people, the people that don't pass the interviews are probably the ones that figure out that something is not quite right..Maybe they are reputable business but for their employees it is a dirty business that the Fortune 500 etc. aren't able to see.
It is like in Japan, and Sea World, you see the beautiful dolphins and you think wow so nice and great. But then if you see inside, you see how bad it is and how dolphins are caught to become circus animals.
This is a terrible company, lead by unethical people who find it convenient to over promise and under deliver, specifically Roger Smith (CEO), Scott Smith (ExVP), and Rob Falvo (VP). I was contracted with this company for over 6 years. During the last 3 years this company contacted with over 7000 new agents. In that same period over 6900 agents terminated their contracts, most in less than 6 months, most earning less than $2000 before they paid expenses. It would be easy to dismiss these agents leaving by saying it wasn't for them. However, when virtually everyone leaves the company obviously has problems starting with the executive leadership. I have experienced these people promise new systems, new products, larger careers, essentially anything that suited their purpose at the time. None of these promises were ever realized. Everything is show and no substance, that is why the agent turnover is out of control. That is why the company is not meeting sales forecasts. No one should consider a career with these people, and certainly no investor should consider committing capital to this company.
During recruitment, candidates are told that they are "going into their own business", that they are independent contractors. Once you are involved, many agencies treat you as an employee by directing your work hours, and requiring meetings. In fact at many agencies, you are "requested" to assist in recruiting during your first month. This has been laughingly referred to at the Corporate Office as "finding your replacement".
Due to the extreme turnover, many agencies train you with agents the have been with the company only a few months. Rather than seeking a resolution to the agent turnover the corporate leadership has recently adopted a new reimbursement plan that pays manager a additional overrides for agents contracted less than 6 months, however it greatly reduces overrides on agents that last over 6 months. That is right! Mangers will earn less if you stay. It doesn't appear that the leadership is concerned with actually providing the "career" that they discuss when recruiting you. Again, over promise and under deliver.