Is the American Life Insurance (AIL) company a scam?
Not a scam company, but a scam for employment.... They are one of the most notorious generators of job board spam in all of North America; hundreds and hundreds of postings daily. They don t deserve your time. The world would be a better place if AIL / American Income Life / Torchmark / Altig were banned from posting from any job board. They are a disease/cancer in the online world that should be cut out and burned.
by Anonymous - 16 hours ago
No, it's not a scam per se; but it is not a particularly good opportunity either. The first year earning potential shown is feasible, but very optimistic. It is also a gross commission figure, and doesn't include any of your expenses, which are considerable. It is also 1099 income, so you'll pay self-employment tax (the amount that an employer would normally match toward your Social Security contribution). Unless you're outstanding in an industry with a 97% washout rate, you'll be fortunate to clear $20k your first year. Thus far, I haven't gotten to the downside. AIL is a reasonably strong, legitimate insurance company, but is one of many companies that tend to field a relatively unprofessional sales force. They are insurance peddlers in an industry that should be reserved only for genuine financial advisors. Their target market tends to be a fairly captive audience; unions, associations, and the like. Your training will be limited to how to most efficiently pawn off your limited selection of AIL products. The standard in the industry is to do a comprehensive financial needs analysis, and be authorized to sell products from any number of companies. You place the well-being of the client above all else and offer only what is in his best interest, whether or not it happens to be your sponsoring company's product. With AIL, you are a "captive agent" and are expected to sell their products regardless of the need. You are much better off appointing yourself with a highly rated life carrier that is committed to a comprehensive financial planning strategy, does NOT sell property & casualty products, and will freely allow you to sell any company's products.
by rcdrury - 16 hours ago
I was also offered a job and first looked into some blogs about this. To begin with, I would recommend the official AIL income site: http://healthinsurancecheck.org/quotes-amerincomelife You can get all the information you need there. I, personally, don't think the job is a 100% commission. True is: you pay all your expenses such as gas, business cards, paperwork, leads, training, materials, certifications, cellphone minutes. But it's still better than having no job at all. I was unemployed for a very long time. So it was at least a better temporary solution until I found a very steady job. Be good Nona
by NONA - 16 hours ago
This is a great job. Although it is not for everyone. You are like a business owner. You need to get licensed and that takes a few hundred dollars. But it is the best place I have ever worked. You put in long hours and you have to be a Type A personality and a go-getter wanting to help people and family's get coverage while Do good business . Great place to work, but not for everyone.. We offer great policy's and programs for clients. Something to look into if interested.
by lil_cutie4339 - 16 hours ago
I would recommend the official federal income site: http://incomefaq.com/american-income Here you can find exactly what you are looking for and thats the only safe site. Good luck!
by Garland - 16 hours ago
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