Working at American Income Life — Reviews by Employees

I didn't work for this company, I just interviewed. They got my resume off of Careerbuilder and contacted me. After the initial interview they put everyone they liked in one room. They made us watch this company profile video that totally reminded me of something from an infomercial at 2 a.m.

They leech off of unions. They make union members buy more than they need just for profit. They told me that I would be trained for 5 days, then taken out to customer homes for 2 weeks. By the time 60 days had passed they expected me to open my own location and repeat with new employees.

They later called me for a second interview, but I turned them down. It just seemed so dirty and illegal.

If you had a resume posted online and AIL contacted you, and you feel they lied & mislead you in their sales position, this is considered an internet crime. I encourage you to file a complaint with the FTC. This company needs to change its ways or be shut down. If this company is growing and so financially successful, ask yourself why does it not pay for licensing and training of its employees.

BAD BAD BAD!

SCAM SCAM SCAM !!!!!!!! Oh By the way did I say SCAM SCAM

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.

Full disclosure means ending the 10 Big Lies that MLMs routinely perpetrate. It would require spelling out the facts that MLMs commonly hiding. These 10 areas of deception and cover-up include:

1. Huge Consumer Losses:
That almost no one ever makes a profit in MLMs. In fact , after costs are factored, the odds of success are better at the Roulette tables in Las Vegas than they are at signing up at the bottom of a MLM.

2. False Identity: Little or No Profit from Retailing/No Direct Selling:
That consumers really don’t make any money in MLM from “direct selling” but only from recruiting other “salespeople.” In fact, few MLM salespeople ever make any retail sales at all or even try to. MLM products are not suited for retailing due to their high price, lack of advertising, no market support for the salespeople, low retail margin and very high selling costs. Even the salespeople themselves stop buying the MLM products after they quit the business, usually within a year.

3. Recruitment Requirements and Realities:
That continuous recruiting is the primary means of income and is required for those pursuing the income opportunity. The reliance on recruiting rather than direct selling and the structure with multiple, ever widening levels place the vast majority always at the bottom, where they cannot make a profit. Therefore, most people will always be losers in a MLM, no matter how much they try or how talented they are. This disclosure must also explain that if the number of “winners” at the top were to increase, the number of losers at the bottom must multiply by many factors. Therefore, there is a severe limit on how many people can ever be profitable, due to this ratio. Any success that a few do gain must be based on increasing the number of losers. To make this disclosure, MLMs would also have to stop calling people “quitters and losers” and making the claim that the main reason people join MLMs is to buy products not to make money. Few people ever buy MLM products who are not current salespeople. After quitting the “business” few people ever buy the MLM’s products again.

4. Limits and Saturation:
That the recruitment opportunity is not “unlimited” at all. In fact, every time a new person is recruited, the opportunity for everyone else is reduced. Markets do saturate There is only a limited number of people in any given area who will ever sign up for a MLM.

5. Top-Loaded Pay Plan and Money Transfer: That MLMs pay the highest commissions -- per sale/recruitment -- to those at the top of the chain, not to the ones actually making the sale/recruitment at the bottom. So, the higher you are on the pyramid, and the more you have others recruiting, the more money you make on each new sale/recruitment made by others. Only a few can ever be in the top positions where most of the money flows. Newcomers are “doomed by design” since most of the commissions they generate are transferred to those few promoters at the top.

6. Weighted, Misleading Income Averages:
That the income averages published by most MLMs are misleading because they include the money gained by those few at the top. A truer average calculates only those in the bottom levels. Most people never rise above these levels. Also, most averages that MLMs publish exclude all those that earn zero. A true average includes everyone who signs up.

7. Continuous and Extreme Quitting/Churning Rates:
That the majority of all consumers that join a MLM in a year’s time quit in the first year and by the third year, nearly every one of those consumers has quit and been replaced. Those who are recruiting must therefore expect to recruit constantly to replace the quitters. This quitting rate is necessary. Otherwise, if recruiting chain continued to expand unbroken, the whole world would be full of MLM recruiters in a very short time. MLMs, like all pyramid recruitment programs must “collapse.” They do this continuously. The bottom levels face market saturation for enough new recruits. Nearly all quit within a year or so and are replaced. Over time, the MLM must expand to vast new territories, change names or others find new ways to find new losers.

8. Business Costs and Time Requirements
That costs to run a MLM business can be very high. All published “income” averages in MLM omit the costs. Full disclosure would offer an average cost of doing business and would inform the new recruit about the types of costs they will likely incur.
Additionally, MLMs would have to stop claiming that making “extra money” takes only a few hours a week or you can “make money as you sleep” and that MLM income is “residual.” Overwhelming evidence shows that anyone who recruits enough new people in a MLM to make a profit is working extraordinary hours, must relentlessly recruit in order to replace the dropouts, and is converting all social activities into prospecting opportunities.

9. Dangers to Family/Friendships:
That recruiting friends and family is a high risk, high pressure and socially damaging activity. Leveraging trust and love for prospecting and recruiting can ruin friendships, alienate families and lead to divorce. Recruiters of “warm lists” should be warned that even if they make any money, they may alienate neighbors, colleagues, family, even spouses.

10. Legal Liabilities and Loss of Rights: That once a consumer signs a MLM contract, he/she forfeits many rights as a consumer. Now, in the status of “independent contractor,” he/she incurs signifiant legal liability including for statements made about the income opportunity or the product. Many MLM people are contractually prohibited from joining other MLMs even after quitting the current one for a set period of time, and cannot seek justice in a court, but only in an arbitration system, which is very costly and favors the MLM company against the lone consumer.

from DAVID ZOPHIN
date Oct 9, 2007 12:00 PM
subject your resume was forwarded to us, we would like to schedule an interview

Hello,

My name is Kathy Konopacki. I am the Assistant Director of Human Resources with American Income Life Insurance Company. Your resume was forwarded to me, and I have a few questions.
Please let me know the best number and time to reach you or call me at (860) 632-0061 x108. I look forward to hearing from you.
Kathy KonopackiAssistant Director of Human ResourcesAmerican Income Life(860) 632-0061 x108
We would like to keep you updated on exciting job opportunities at American Income Life Insurance Company; we will continue to alert you when we have opening at our local offices. You received this email because you placed your resume on an internet job board or responded to one of our job ads. To remove your email address from our list, please do not reply to this email. This will not remove you from future emails. Instead, please use the link below to process your removal requests.
Click here to unsubscribe from further communication regarding job opportunities at American Income Life Insurance Company. Please allow two to three business days for the removal process of your E-mail address to be complete. American Income Life Insurance Company, 1200 Wooded Acres, Waco, TX 76710.

Recently my brother was hired by AIL and started going through the training. They told him that the customers were already lined up and that all he had to do is go and get them to finalize the paperwork. Once he got the signatures, he would get the commision from it.

What they didn't tell him was that he was responsible for paying for the training and testing to get certified in all these different fields. The tests were around $600 a pop. If you failed, you had to pay another $600 to re-test. He had to pay everything out of pocket.

As he got into the field training with a coach, he found out that these customers had NOT agreed to anything and while they were interesting in getting more information, they were not ready to sign. Not only that but it was his job to get them to sign up for more benefits. The job was completely misrepresented.

After a month, he was never home and wasn't being paid for his training and if he and his coach finalized a contract, he would only get a small part of the profits. He went to his boss and said that he needed a consistent paycheck as was promised and he needed a better schedule so that he can spend time with his family, the boss said, "You need to focus on your job and not on your family. The job comes first."

Finally he wised up and realized that this was nothing more than a pyramid scheme and a total scam and left the organization.

Please beware of American Income Life as an employer. It's a total scam.

overall horrible place to work....

I've uncovered part of how the scam works here in San Diego. When AIL runs your credit card through for $645, to get licensed, $250 admin fee is included and they write nonrefundable on the receipt. Instead of AIL, it reads Twilight Insurance School. Somebody is making $250/ person that AIL recruits.