Working at American Income Life: 35 Reviews

Lots of calls sometimes good money sometimes not. Easy to get into management. If you work hard and get into management it can be a great job. But it’s real difficult at first. Especially if you have bills that must be met

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Money Motivated

Licensed Insurance Agent (Former Employee) - Sharonville, OH - November 8, 2023

Typical work day starts around 4 or 5pm and lasts until 9pm. As to reach more customers during their off hours. I learned that commission pay is brutal when you are not a salesperson.One side of management was positive and uplifting during the weekly Monday meeting. Providing quotes, books and inspirational words. The other was foul-mouthed and intimidating. Culture was extremely competitive. If you are not making money you are not a part of the in crowd.Selling was the hardest part. The most enjoyable part of the job was working from home and evening hours.

Pros

Remote; side by side training; inspirational meeting to start the week

Cons

Competitive, lack of empathy, commission pay, meetings during off time, lack of benefits, pushed to move to advanced role

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Poorly ran company, false promises

Insurance Agent (Former Employee) - Oklahoma City, OK - October 9, 2023

Promised certain things such as work from home, xyz pay and when it came to actually requesting those, they were denied. The office had multiple desks in one large room, you could hear everyones conversations. No real support from management . You are paid based off of what you sell.

Pros

none

Cons

no healthcare

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I’m still paying the price of having fallen for this.

Licensed Insurance Agent (Former Employee) - Concord, CA (Remote) - October 9, 2023

What is the best part of working at the company?Nothing. It’s basically MLM. I’d give it negative stars if I could.What is the most stressful part about working at the company?13 hours/day, glued to a chair, making pointless phone calls, for a few hundred dollars earned in six months. Selling prized possessions because you’ve no money coming in. Not able to converse with family over dinner because you’re melting down your phone.What is the work environment and culture like at the company?Sucks! They blow lots of multi-colored smoke up your skirt, then disparage you for believing them when they think you’re out of earshot.What is a typical day like for you at the company?Lousy. See previous explanation.

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This place was a huge nightmare.

Producer/Agent (Former Employee) - Ottumwa, IA - September 27, 2023

What is the best part of working at the company?I would say being put on bed rest.What is the most stressful part about working at the company?All of the hours working day to night What is the work environment and culture like at the company?24/7 8am-10pm. Then 10pm they wanted to chat with you on what to work on tomorrow. What is a typical day like for you at the company?8am-10pm work work work. On the road always.

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American Income Life insights

Based on 796 survey responses

What people like

Feeling of personal appreciation
Ability to learn new things
Supportive environment

Areas for improvement

Overall satisfaction
General feeling of work happiness
Fair pay for job

There were 20 people hired at my time and I'm the first couple months. None work there.

Life Insurance Sales Supervising Agent (Former Employee) - Work from home - September 22, 2023

What is the best part of working at the company?Coworkers. That about sums it upWhat is the most stressful part about working at the company?Pressure sales directed at veterans What is the work environment and culture like at the company?Work from home. Call the same people hundreds of times in a week. What is a typical day like for you at the company?Start early. Stay late. Hope to get a veteran to answer after 20 calls in the same day

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Absolutely a joke! A bunch of lies and misinformation

Health and Life Insurance Agent (Former Employee) - Remote - September 21, 2023

What is the best part of working at the company?Nothing at all was good. Poor structure. Didn’t make any money but lost a lot.What is the most stressful part about working at the company?Not making an income when I was promised that I would. What is the work environment and culture like at the company?Hyped up and unrealistic expectations for all 1099 workers. What is a typical day like for you at the company?Making 200 calls and hoping to get an appointment and hoping to get a sale and hoping it would stick and wouldn’t chargeback in a month.

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Easy going, must put the effort in if you want to make money.

Licensed Life and Health Insurance Agent (Former Employee) - Wichita, KS - September 19, 2023

You must prepare yourself to be hung up on alot or to talk to voice-mail 99% of the time. Most people don't remember signing up for a phone call and a majority of them did not so you are still cold calling in the people eyes.

Pros

You make your own schedule

Cons

Cold calling most of the time, no real benefits, and pay is commission only.

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Very positive and friendly work environment

Call Center Trainer (Current Employee) - McLennan County, TX - September 13, 2023

What is the best part of working at the company?PTO, vacation, paid holidays, raises periodically, room for growth/promotion What is the most stressful part about working at the company?There is really no stress. Once you learn the job it becomes easy.What is the work environment and culture like at the company?Family like atmosphere. Friendly and positive work environment What is a typical day like for you at the company?As a trainer I respond to emails, create new hire tickets , create a fun and interactive learning environment. Communicate with management regarding agents

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MLM scam

Regional Producer (Former Employee) - Remote - September 12, 2023

1099 ONLY, no full-time/part-time. They provide strong sales training and leads for your first couple of months then pressured to recruit friends and family over selling insurance.

Pros

commission was nearly 50%

Cons

Toxic environment, no leadership, beg you to recruit your friends and family over selling insurance.

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love the company

Life Agent (Current Employee) - California - September 9, 2023

hopefully you get a great mentor otherwise it will be hard to get sales. its a hit or miss. if you have someone care for your success it is a wonderful 1099 place to work for.

Pros

Cons

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It was fun until it wasn’t. There’s better ways to be an independent contractor if that’s what you’re looking for.

Supervising Agent (Former Employee) - Las Vegas, NV - September 6, 2023

What is the best part of working at the company?Being an independent contractor is the best and worst part of the company. They essentially get free labor unless you sell a policy. Those commissions can be taken back if someone cancels within 6 months. What is the most stressful part about working at the company?No support system, sink or swim.What is the work environment and culture like at the company?Toxic is the nicest way to put it. It’s ok to deal with if you can remove yourself from the reality of it.What is a typical day like for you at the company?Making phone calls to set appointments, driving to those appointments, making more phone calls to set appointments when those appointments don’t show up and then chasing down people who want to cancel their policy so they don’t take your commission back. Oh yeah and sometimes you sell something. Monday’s and Thursday’s everyone gets together to book appointments and drink at the office.

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Horrible Leadership

Life Insurance Agent (Former Employee) - Columbia, SC - September 1, 2023

Constant chargebacks and unethical work practices. I felt uncomfortable sticking to the script because it was completely truthful or ethical in my opinion.The company itself "American Income Life" isn't that bad. However, the way my particular office was run made this a terrible position. They have a high turnover rate for employees and you may leave more in debt than you were before working there.

Pros

Scheduling Flexability

Cons

no benefits even though you're a captive agent. Leads are awful and usually outdated by years.

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Exhausting, emotionally manipulative high pressure sales.

Insurance Agent (Former Employee) - Virginia Beach, VA - August 27, 2023

What is the best part of working at the company?The coworkers were good people, hard working, supportive, eager to help you learn. What is the most stressful part about working at the company?The instability of the commission based pay. Also often you write a policy and it would fall off shortly after meaning you wasted your time. Oh and it was at home sales, so you're going into someone's house which always weird.What is the work environment and culture like at the company?Its an MLM. The culture is weird and gives off the odd '"We're all going to make it big" vibe but at some level we all know there's a limit to how possible that is What is a typical day like for you at the company?Morning at the office, drive out to appointments, do them, try to get new leads while at the apartment, call those leads from the road, rinse and repeat.

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If you only care about money, it’s great.

Master General Agent (Former Employee) - Remote - August 26, 2023

What is the best part of working at the company?There’s a ton of money to be made if you’re good. What is the most stressful part about working at the company?It’s all about, and only about the money to the leadership. What is the work environment and culture like at the company?Money guns, and “what have you done for me lately?”What is a typical day like for you at the company?Dial the phone for hours on end, hope to get ahold of someone, then try and sell them. Most will present to you a “1pm-10pm” day, but it’s more like a 8am-10pm day, because you only make money if you sell.

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Lots of cold calling

Inurance Agent (Former Employee) - Orlando, FL - August 23, 2023

Good people, repetitive work with high amounts of hours, remote or on site. No guarantee of successful sales, mostly calling families that work with a union or government agency.

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ok

Sales Representative (Former Employee) - Mobile, AL - August 14, 2023

ok was confused about pay that nobody explained to me then when i signed on you are not guaranteed weekly pay so if u want something thatll guarantee you pay then try something else

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The positive I took away from this job, was it taught me a level of persistence I didn't know was in me.

Insurance Agent (Former Employee) - Houston, TX - August 10, 2023

What is the best part of working at the company?Educate yourself on MLM's before getting tricked into the smoke and mirrors of these types of organizations. They all use the exact same playbook, don't be fooled.What is the most stressful part about working at the company?100% Commission, heavily used lead packs, Zero integrity business model, You are lied to at every level, while being coerced into lying to the customers as well. What is the work environment and culture like at the company?Smoke and Mirrors, worship your illustrious leaders, and if you just make 1,500 dials a week, you'll be rich in no time. You are under constant pressure to increase your numbers to a point that it creates a culture of false reporting, fake appointments, fake sales (=chargebacks), all while being treated as though no amount of hours worked for a straight commission job are ever enough.What is a typical day like for you at the company?You are initially lied to during the indoctrination period (Bootcamp) and for the 1st 90 days you're expected to put in 60+ hour works. 8-9:30am Leader Worship- Listen to leadership stroke each other's egos about how much money they made the company yesterday and what an ungrateful wretch YOU are for not doing MORE!!!10am-1pm Dial Dial DialSpend the morning harassing poor & elderly people into buying burial insurance that will most likely not pay out for one reason or another. 1-2 Lunch (Don't think your leaving or taking a break because you still have to dials to make eat between dials)2-3 Sales training- this is where you are trained in -

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Tuff environment, can make a boat load of money tho

Licensed Insurance Agent (Former Employee) - Edison, NJ - August 7, 2023

Take a list of paper and get ready to make calls and appointments all day and then at night, get ready to present the customer with the product. If you don't have any appointments to sell, you are going cold knocking on people's front door's if they dont answer. No salary, only commission.

Pros

Supportive environment

Cons

No salary

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Never again

Licensed Insurance Agent (Former Employee) - Union City, CA - August 2, 2023

What is the best part of working at the company?Don’t believe the hype, they do not offer proper training or support. They also try to disguise a high pressure environment with trips that a very small group get to go on.What is the most stressful part about working at the company?The lack of support they give anyone coming into the company and the major amount of money you have to spend What is the work environment and culture like at the company?Working in a boiler room on Wall Street would be a less stressful environment What is a typical day like for you at the company?Log into several websites and a zoom room where you are told to make cold calls to numbers that have been recycled over and over again. Booking appointments that people don’t show up to and high pressure to get a sale from your upline

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Lots of good advice from other teams overall not bad for a sales position

Insurance Sales Producer (Former Employee) - Greenville, SC - July 29, 2023

What is the best part of working at the company?The employees that work for them supporting each other What is the most stressful part about working at the company?Be prepared to work 10-12 hrs a day 7 days a week. I feel they choose clients they want to follow up on that works to their advantage What is the work environment and culture like at the company?They do fun events and activities to make day fun What is a typical day like for you at the company?Making continuous calls - also have zoom meeting with employees from the other states offices.

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