It's unfortunate that you believe this and that your "agent" who makes a living off every single policy coded to him told you this. Just like realtors must get licensed and make a living based on houses they sell or find for a buyer, insurance agents must get licensed by the state and make their living based on what they sell, and in the case of American Income Life, which has been around for 50+ years, not one time in the years I have been with the company has someone suggested I try to get my friends and family to start a policy with me. In truth, I have never needed to because AIL doesn't "cold call" or require agents to purchase "leads." If you did any actual research you would find that we only service union members, that of which REQUEST our service. I am very upset at reading your negative comments because as an formally educated individual that was going through tough financial times, I took a chance when receiving one of these so called spam calls and came in for an interview. It was not what I expected because it was a group interview, yet much better in that the managers explained everything about what I would be doing and how much I could make. It sounded like it was too good to be true. I have been with AIL for 3 years now and in 2015 ytd I've earned close to 160k. Next year I hope to double if not triple that. Being that my degrees are in education, I never imagined I would be doing something so completely different and be where I am today. I have seen lives changed in this company. Next time you want to leave a negative review about a career with a company you know nothing about, try educating yourself first before subjecting other people to your own fear of the unknown.
Besides replying to a post that is almost a year old, this forum does not send out email reply's to people. So unless this poster comes back to check this, there is little chance of him seeing your reply.
So this is you? American Income Life Insurance Company aka AIL, American Income Life, American Income, American Income Life Insurance, American Income Life - Alex Roland Office
I found the complaints the most interesting to read through!!!
BBB Accredited Business since 01/01/1952
American Income Life Insurance Company
(972) 529-5085
3700 S Stonebridge Dr, McKinney, TX 75070-5934
www.american-income-life.com
American Income Life Insurance Company BBB® Accredited Business Seal
BBB® Accredited A+ Rating
197 complaints closed with BBB in last 3 years | 59 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising / Sales Issues 55
Billing / Collection Issues 26
Delivery Issues 3
Guarantee / Warranty Issues 1
Other 1
Problems with Product / Service 111
Total Closed Complaints 197
Additional Complaint Information
Complaints regarding services issues. Specifically, customers express difficulty with cancelling policies, receiving funds from claims in a timely manner and communication with the company.
2 Customer Reviews Customer Reviews on American Income Life Insurance Company
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 2
Total Customer Reviews 2
Government Actions
The following describes a government action that has been resolved by either a settlement or a decision by a court or administrative agency. If the matter is being appealed, it will be noted below.
On January 14, 2013, the Insurance Commissioner of the State of Washington filed a Consent Order against American Income Life Insurance Company. The Insurance Commissioner alleged that American Income Life Insurance company knowingly recruited and hired unlicensed call center employees to sell additional benefits to customers. This is a violation of Washington state law which, requires that, such employees must be licensed per state laws.
American Income Life Insurance Company acknowledged the violations and agreed to pay a fine of $75,000 as stipulated in the order.
The matter was finalized on January 14, 2013.
For more information visit: http://www.insurance.wa.gov/oicfiles/orders/2012orders/12-0291.pdf
Additional Information
BBB file opened: 01/01/1950
Business started: 06/01/1947
Licensing, Bonding or Registration
This company is in an industry that may require licensing, bonding or registration in order to lawfully do business. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.
These agencies may include:
Texas Department of Insurance
333 Guadalupe Street
Austin, TX 78701
(800) 252-3439
http://www.tdi.texas.gov
Contact Information
Principal: Mr. Mark McAndrew (Chairman CEO)
Customer Contact: Ms. Kelly Kinser (Legal)
Customer Service Mr. Bill Leavell (Senior Vice President Administration)
Business Category
Insurance Companies, Insurance - Life
Alternate Business Names
AIL, American Income Life, American Income, American Income Life Insurance, American Income Life - Alex Roland Office