Investigation: American Income Life, Feel safe confident & secure doing business with American Income Life Insurance, AIL pledges its commitment to customer satisfaction and Affiliate support. Framingham Massachusetts

Rip-off Report Investigation: American Income Life / National Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and submit to independent investigation. American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. Waco Texas, Nationwide

Forwarded Message:

Subj: Manager Trainee

Date: 8/10/2005 2:55:30 AM Eastern Standard Time

From: recruiting@ailife.com

To: Investrman@AOL.com

Sent from the Internet (Details)







Hello!



My name is Fred Hadayia; I'm the State Director with American Income in Harrisburg, PA. Our Human Resource Department has viewed your resume on the Internet and I wanted to contact you to let you know we are looking for qualified candidates to help our rapid expansion. We had sent you an earlier email letting you know I would like to set up an interview with you. We are looking for Managers and Sales Associates to help us manage our expansion in central Pennsylvania. This position is for management and outside sales. THERE WILL NEVER BE ANY COLD CALLING OR PROSPECTING, EVER!!!



Let me explain...



We have a Public Relations Department that is responsible for securing all of the leads.



Here is how it works:



1. The PR Team has business-to-business meetings with the group heads of Unions, Credit Unions and Associations. They explain our program.



2. The group votes on whether to pursue the relationship.



3. The group signs a contract with American Income.



4. A letter goes out to all of their members on the particular groups letterhead, informing them what is being made available to the members along with a reply card that the member sends back to American Income if they want to receive our no cost benefits as well as other supplemental benefits that they may qualify for.



5. Our sales team only calls on members that have requested information about our products and services.





American Income is a part of the Torchmark Corporation, a $44 billion Company that is recognized by Forbes magazine as a top Platinum 400 Company. American Income has been in business for over 54 years and is nationally recognized as one of the significant carriers of supplemental insurance in North America.



American Income is licensed in 49 states, the District of Columbia, Canada and New Zealand. If this opportunity sounds like something you feel that you may qualify for (Sales Associates average $50,000-$70,000 first year, Managers average $60,000-$90,000 first year, second year $100,000 plus), please contact our Human Resource Department at 717-202-1291.





Best Regards,



Fred Hadayia

State Director

American Income

Harrisburg, PA

717-202-1291

A smart cover up is the name of the game.



We will drop off your no cost benefits! True enough, but we will try to sell you insurance too!



I mean,, you cannot really blame the agents, either the sell or they do not have money for gas, hotels and food ( in order of importance )

The amounts spent in gas in huge, so every sale counts and some agents do it by any means possible.



On one hand you have a sales-driven agent that might do anything to get a sale, and in the other you have a naive customer putting his/her life insurance needs in the hands of an agent that will sell to them anything although the "product" might not be even good for the customer at all.



Altig International, which is one of the main promoters of AIL. It lists on their website such things as medical benefits, employee programs, extensive training to their /// Well, you get none really!



Either way, I have nothing against comission sales, but when this comission sales put in jeopardy the proper insurance needs of which a family will depend on, then its a serious business.



Selling insurance is completely different then selling knifes or vaccum machines!

I've had several 1099 jobs and they do not say you work seven days a week, every evening from 2-9 pm, every Saturday from 9 - noon, and every Sunday morning.



AIL is deceptive in how they recruit people and how they are positioning the contract job. They are a real insurance company for sure, but you are not getting a "position" in the company. You are getting a contract job. LETS BE CLEAR ABOUT THAT.



I have to wonder why you are no longer at AIL. If it was so wonderful, I would think you'd still be there.

As a former employee of AIL in Florida, it's a REAL insurance company with REAL 1099 contract workers.



I don't know what kind of jobs you've had where the hours AREN'T set for you, but every job I've had in over 20 years dictates hours, etc.



The bottom line is if you want to be employed by a company....DONT respond to jobs with SALES anywhere in the job description.



You HAVE to obtain an Insurance Sales license from your state. AIL will provide you leads, but its up to YOUR sales ability to provide a check, just like any other sales job I've ever had.



Don't bad mouth a company just because YOU want to be an automaton, punching a time card for a maximum amount of money each paycheck.