FINANCIAL ADVISOR (Former Employee) – Toronto, ON – 13 November 2018
You are pressured to upsell all the time and have to give an account of your time by entering your activity in their computer app. You are a captive agent so you don't get to keep your clients and you can only sell their products. There is a lot of wear and tear on your vehicle. There is an opportunity to earn a lot of money however you will be on the road a lot. When they have their meetings with agents, it is usually finished in the middle of the afternoon so when you have to go and see clients you're hustling through traffic! By the time you're done, you are coming home late at night. If you complain, they say you're not working hard enough.
Long Hours, Micro management of your time, Commission Sales Only.
Licensed Life Insurance Sales Agent (Sales) (Former Employee) – London, ON – 7 November 2018
Long hours 6-7 days a week, traveled 2 hours each way to location given to cover. leads generated by company were lacking as we were trying to sell funeral benefits to people who already had adequate coverage being retired GM employees
Huge amounts of opportunity for growth and advancement!
Regional Director (Current Employee) – Halifax, NS – 2 November 2018
Work with American income for over 7 years out of Halifax NS at the SK agencies office.
I left a teaching position to join the company in hopes of a better life and haven't regretted it once! Its challenging, its rewarding both financially and intrinsically! The skills and relationships I've developed are invaluable.
If you have the work ethic and desire to succeed its a great place!
I have been working here a few months. I had a few friends who were enjoying their jobs and enjoying the work and making good money so I spoke to some of the managers and was hired. Its full commission and I am fine with that, I was looking for something that I could work hard and move ahead. I was sick of not advancing at my last place of work. If you do the work and follow the training you will succeed. Its perfect for me because I'm ambitious and want to make a lot of money, this for sure wouldn't be for everyone. The management are very good at what they do. The top salesman in the whole company works at the same location. The work culture is fun and progressive.
Life Insurance Agent (Former Employee) – Brampton, ON – 17 October 2018
Up in the air mostly, some very nice people just not what I had expected or hoped for. If you are a very independent go getter this would be for you, however it was just not a good fit for me. They do provide you with the guiltiness for and the coursed to complete the training.
Customer Service (Former Employee) – Niagara region – 16 October 2018
This company promises things to its employees and people who buy the policies but do not provide what is promised. Trying to get in contact with someone about a concern is impossible. The phone people are rude and evasive. The supervisors never return calls or emails. This company is a scam. Do not walk, RUN from AIL!!!
This company provides good benefits to clients but is all "lead" based. No base salary to keep employees engaged. This company requires agents to be very aggressive and persuasive. This is very hard to do in this days economic climate. A typical day would be seeing 3-5 clients with perhaps one actually purchasing and/or providing new leads. A good opportunity to learn the importance and value of life and income replacement plans and the benefits to the client.
workplace culture collegial, good benfit plans for clients
cold calling people sucked and they often wouldn't show up for appointments booked with the company. The training time is exceedingly long where another co-worker drives around with you watching you sell insurance.
This company taught me so many lessons in leadership, management, and sales. The culture was incredibly competitive, intense, but at the same time everyone helped each other. Family oriented is the best way to describe it. Your pay is a direct reflection of your efforts. Most enjoyable part was getting to surround myself with amazing driven people.
Licensed Life Insurance Agent (Former Employee) – Halifax, NS – 14 September 2018
This company is a really incredible opportunity for the right person. If you are dedicated and personable and willing to really put yourself out there, there's potential for a lot of money. I unfortunately wasn't one of those people, but the atmosphere and work ethic is unlike any other. 10/10 would recommend to the right personality.
life and accidental insurance agent (Former Employee) – Calgary, AB – 7 September 2018
100 % commission based operation. very high turn over rate as for employment (usually less then 3 months with no income ) Very poor management support and training Long Schooling and testing process with very little result ! this is definitely not a career by any means.
Master General Agent (MGA), Ottawa, Ontario (Current Employee) – Waco, TX – 26 August 2018
Managing and administering a team of Insurance agents. Culture is controlled by you because you hire agents and mentor them through pipe-line until they are fully released independent agents that are working on building their own team!
Independent Agent - Life and Accident Insurance (Current Employee) – Calgary, AB – 15 August 2018
Good environment for a result oriented person. Good team working environment. Support from the head office to field staff needs some work. Work and family balance not very strongly emphasized in the company.
The hardest part of the job is learning the presentation script and then getting the appointment.
The most enjoyable part is concluding the sale and getting the advance payment.
The most frustrating thing is that once a policy is cancelled, the advance is immediately clawed back with no warning whatsoever.
Life Insurance Agent (Former Employee) – Calgary, AB – 17 July 2018
Not a job for everyone, you are promised a lot of things, go through insurance licensing at your own expense. Given pages and pages of sales script to memorize. Once all that is done, you are given about 20-40 leads for the month to work off of.
You can expect most of your leads to be recycled leads from people who have already had someone try to make a sales pitch to them, a bunch of numbers will be dead, and you will likely not be able to set up more then 1-2 appointments a week. Of the appointments you start with a 40% commission on ALP but you can expect virtually no pay until you have your sales script memorized verbatim, even then your pay is not guaranteed.
With a lot of time spent not getting paid you could eventually build a business off of this, gathering referrals to eventually create a clientele, however that could take years if at all and you can expect little to no pay and little to no referrals or sales off of the leads you are given, even if you become very very convincing at delivering their sales copy.
The real money working for this company is made by management, they earn income off recruiting people and get a % of the income from the people they hire. The majority of the people hired will turn over because it is very unlikely you can make a living off the sales for anything more then barely minimum wage if you work non-stop 80 hours a week. They hire people 4 days a week. It is possible however to make a living through AIL, a few people have done it within the company and have been very successful, but it is a very rare thing to see, it is usuallymore... highlighted however in the weekly meetings to try to retain employees, many people working there 5+ years can barely even make minimum wage off their sales, they only make a decent income because they have managed to hire enough people to make a % off of their barely minimum wage sales as this company is set up as a multi level marketing company.
I would not recommend this job to anyone who doesn't already possess a successful life insurance clientele or who isn't attempting to get into the job for the purposes of starting a MLM hiring business as it is 100% commission selling something intangible.less
Nice People at the meetings
Bad Pay unless you are extremely talented at sales, or get into mangement