1 Jan, 2018 → by ClaimboUser771863
untruthful
*SOLVED

2

Why agents training at american income life insurance should start looking for another job and not pursue american income life insurance co. (Ail) . The info they wont tell you! You’ve been warned! (Hightlights and first hand account) ***if you are a customer of ail your program is good, and designed for you*** (Company practice methods skewed and what they don’t tell you is unnattractive) Why you don’t want to work at (Ail) No paid training (2 weeks min before you’re released) Commision based only. No sales, no money (You work, and have nothing to show for it) Leads will eventually run out, become cold (Change numbers / move) Dublicate leads (People who were already seen) You travel house to house client to client, gas and miles on car (Supposedly tax deductible) 60 plus work weeks if you want to be paid! (6 to 7 days a week, your choice) Coercing people into buying policies The plus side! If you do end up in the trap Make your own hours Break when you want Residual income on past sales if you stay after one year Potential weekly bonus (If you make sales) ***first hand account spoken from personal experience and utter truth*** American income life insurance co. Is a beneficial company if you are willing to do nothing but work. These agents sell live insurance to union members and people who are sponsored to the program nationwide. The program varies from state to state and is very beneficial, i do not disagree with what they are doing. They are protecting families, i get it. It’s how they are doing it and what they don’t tell you that has there company struggling to retain and train new agents; and why there company is sneaky and has a terrible reputation. To become an employee / agent you must become licensed first which varies state to state, but expect at least 250 dollars after licensing program and fee, ect. They will reimburse you if you complete the course, pretest, and final exam in 2 weeks. It is achievable however if you have other responsibilities / obligations or another job you have to attend; good luck! Once you pass the exam to obtain your license to sell insurance, now you have to start a minimum of two weeks non paid training before you are released. Once released, you will be calling prospective clients to schedule appointments throughout the week. Ultimately trying to sell them life insurance. Your work schedule is nice in a sense that you make it up yourself and work as you please, but if you don’t put in the time and work, you won’t sell policies! And you won’t be paid! And if you do put in the time and the work you still might not sell policies! Yes, you will work all week, have bookings and clients to entertain and you still might not sell policies! It’s a commission based only job. They will try and tell you that you get a weekly bonus, but that’s only if you sell policies. Some of you might think what’s so hard in selling policies? It’s the fact that your selling people an inanimate object that they never get to see! It is inanimate besides a piece of paper with their policy payout and necessary info. But that’s it. By selling them the policy your protecting their family and preparing for their funeral for when they die. Which is inevitable; so the need and thought is there. However there are numerous other companies and other ways of preparing; as well as the span of time before death. Unless of an accident which is an unfortunate, unexpected tragedy. Which is ultimately why you are there to protect them; by selling a policy. So you’re asking them to pay a monthly premium. Added to all the other bills stacked to the ceiling, in an already rough, struggling, recovering economy; and there you have a recipe for disaster and failure. Which means all the work you’ve done, will have been for nothing. Because you don’t get a paycheck unless you get a sale for them! The way that the company tells you to rebut these people after they tell you “we are not interested” is quite disturbing and uncomfortable. It takes a certain type of resilient person, who won’t take no for an answer to try and coerce these prospective clients to try and have them take out a policy. It really does seem simple and you would think people would want to protect themselves and their families’ right? I mean that’s what i though! Wrong. It is quite difficult to do, you have to coerce them and make them want it even after they have said no. Lets face it. Can you now afford another monthly bill in this day? The coercion and rebuttals that the company teaches you to say really offends the client. For example “sir, you don’t want to protect your family”. Its uncomfortable, its hard, and your relying on other peoples decisions and finances, so you can get paid. You have to “fight” coerce, argue, and convince the client that they need to protect themselves, so you can collect a paycheck at the end of the week. It’s like any guy at the bar that gets turned down by a girl, and they go back again later to try and turn that no into a yes! Its pathetic, its terrible, its uncomfortable! The company will give agents duplicate leads which are clients who have been seen before, but were not interested in the program and buying a policy; so you will go out to see them again! Guess what? The answers still no! You’ve wasted your time and resources and once again nothing to show for it. The company and its employees will argue that any agents that left ail were unable to do the job. I was an agent who did close on deals, i did have paycheks for about three months. It’s been a month since i was last paid, as i work day in day out making calls, driving seeing clients, and doing the dreaded doorknock to the clients who don’t answer the phone. This job can be done. But at the expense of your family or significant other, your free time and hobbies. This job will consume all of your time. There are jobs out there that will actually pay you for the work you do! Don’t get caught up in this companies untruthful promises and skewed practices. Agents around the country make money everyday with ail. But how long can it continue? How long will you have to “fight” to be paid? As a trainee with american income life i read other agents testimonies on american incomes practices and why it’s such a terrible job and i disregarded them all! I paid no attention to the warnings and fought with my fiancé every time we talked about my job. I never thought that what these agents were saying could be true! But some things you just have to figure out the hard way. Don’t say you werent warned! - a
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