American Income Life

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Scam Ad Job Postings For Executive Positions - Actually Sales From Your Home Jobs
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LOS ANGELES, CALIFORNIA -- The folks at AIL aka American Income Life have made brought scam job postings to a new low, and they have done it with style! They list high-paying positions available, allegedly require a stellar education and experience, interview 50 - 100 "applicants" at a time- and voila... you are all selected! The problem is, you don't find out it is actually an "insurance sales job", from your home, without pay and only "possible commissions"- until you've already wasted time on several interviews, listened to their slick lingo, and if you're in a big city, paid $30 in parking alone to get scammed.

I have reported them to Monster.com and other sites where they place their listings for the unsuspecting job hunter. My best advice.. once you find out who the company is- don't make the appointment for them to scam you. If you really want to be in legitimate Insurance Sales, they go to a REAL insurance company with real agents and a real future for you. It's a tough business with a good company- it's unthinkable with a company who starts you out with a scam... it can ONLY go downhill from there.

Oh, the best part... after "you've been selected" (everyone is) and you tell them you don't care to take their great non-paying "position", they try to T.O. you (turn over) like at the auto dealerships when the salesman thinks he's losing the deal. What a bunch of losers!
     
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Anonymous on 09/10/2008:
It should not have taken several interviews to figure out this was not the job for you. The purpose of the interview is not for the company to only interview you, or for them to accept or reject you as an applicant. It is also for you to interview them to determine whether or not you will accept or reject a job should you receive an offer. You are responsible for knowing what questions that you as an applicant should ask. It should not have taken several interviews to figure out this was not a path you wanted to follow.
KristinaCecile on 09/22/2010:
Not necessarily...the managers of these companies have silver tongues. They know how to work a sale, which is essentially what they're doing here. While some people are better at catching the ruse before spending too much time on it, some of us aren't. A lot of those going in are still college students or recent graduates who are young and idealistic and have not had experience with shady practices. They're so excited about the job opportunity that they let their guard down. I speak from experience. I had the same type of interview with Vector Marketing. It was a few years ago, right after I had started college. It was my first real job interview, and I was so excited that they were so interested in me. The guy gave a great presentation, got you to really believe in what you were selling and how the process worked. Then he took us one at a time to the back room for the verdict, and I was told I was hired. I was super excited, but then when I talked to my dad, he told me I should investigate. And so I did, and he was right. I found some websites against it, but I found one blog by a lady who tried to work there, honestly tried, but she was making barely enough to make ends meet that she had to rely on others to help her pay her bills...so she investigated on why she wasn't getting the huge amounts of money she promised and she compiled her research together. She was articulate, used proper grammar, and presented the facts without an angry tone, without profanity.

Now, I'm not saying that there aren't whiners out there. It makes it hard to believe someone if they use profane language and rant and rave and lose control of their emotions. I'm sure there are people who do good at this type of company, the rare few who excel. But for most people, this type of job is a waste of time, and for some, even ruin you.
SoCalGuy on 02/20/2011:
Hoover vs AIL is a class action lawsuit for former agents that worked at AIL and were taken advantage of.
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Employer Scam
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After being associated with this company for several months in Northern California, I want to alert as many job seekers as possible about this company unscrupulous business practices and enlightened as many people as possible of the risk they run when associating themselves with this company.

Almost everything they told me from day one was a lie and I am not even going to go into all the silly non-relevant, immaterial lies we were all told just because it seemed to be what our RGA was comfortable with.

First, I (and many others) were told that we would have a guaranteed income for six months. After devoting weeks, sometimes months, to training without pay, we were told we would only get the guarantee if we sold a certain amount, but just a few weeks later, even the required amount was raised. Conveniently, the commission on the new required amount is more than the guarantee promised. So, there is NO guarantee.

Then, we were promised we would always get new union and association leads, that there were thousands of new leads coming in weekly and that we would never be responsible to generate our own leads. Then, a few weeks into it, we were told we would only get 100 leads per month. Then, this fell down to 50 leads per month. Then, the truth fell out - we are responsible to generate our own referrals and no new leads are guaranteed after the first few weeks of being out in the field.

This would be bad enough, but adding to this is that nearly all the new leads given to new reps were gone over by the RGA, who cherry picked the 'good' ones before passing the ones she couldn't contact or, found to be disqualified on to the new reps. This was evident when on booking nights, many of us would call on our precious leads only to be told that she had contacted them just the week before and had told her they weren't interested. Even worse, was the fact that we all found ourselves driving miles to make a presentation often to find out that another company agent had been there just days or, weeks before.

In our office, it was not unusual for new employees to be hired over the phone without even a face to face meeting. This now seemed to be happening so the hiring agent could collect her new hire pay and NO support was given to these new hires, making their investment in a ALTIG 'career' futile at best.

Making things worse still was the fact that we were told NOT to explain our policies fully, not to go into any provisions or, detail or, legalities. This led to many of us being faced with policy owners who had been misled by the oversimplification of ALTIG products given upon their sale.

On top of all of this - getting paid is never assured. Not only can it take weeks to get your first paycheck after making your first sale, but thereafter, you may see weeks that your check simply doesn't show without as much as a 'sorry.'

I STRONGLY URGE ANYONE WHO IS CONSIDERING GOING TO WORK FOR THIS COMPANY TO CUT THEIR LOSSES BY NOT CONSIDERING !!
     
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AIL / American Income Life Employment Scam
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It is in this company's best interest to constantly hire new people and allow them to fail and quit. They get the $250 nonrefundable "administration fee" per person they hire. They get people to work around the office for no pay while they are in "training". They never destroy leads - they keep recycling them and passing on the old leads to new people, then send you on a wild goose chase while you pay for your gas money. Whatever policies a new person sells then quits in a short period of time, they don't have to pay the annual residual income to the employee that quits. They say they are a "top" employer on hotjobs, not true. They are a top "HIRING" company on hotjobs. They will say their company is growing and expanding - the only thing that is growing is their employment scam, preying on the unemployed who post ttheir resumes online.
     
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raven2010 on 03/11/2010:
What you describe is pretty common for a lot of entry level outside sales jobs. There are good ones out there, you just really have to dig and do your homework first.
Slimjim on 03/11/2010:
Any company that charges you to get the job is a red flag to me. A long time ago I had something similar happen at an auto dealer. They charged a bunch of us for training then gave one a job, with no evidence she was better than anyone else or could sell at all as none of us went on the floor or even did a mock pitch. Then they started a whole knew training the following week, raking in the fees again.
I totally agree with this poster, this is not a job for any salesman to take, good or bad, and I think it reflects on the company here too.
Anonymous on 03/11/2010:
You might as well throw your money at Amway etc, you probably stand a better chane of at least making it back in some MLM program. 3% of the people that get into MLM make money, those are probably higher odd's than this company is offering.
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