American Income Life
American Income Life Employee Reviews
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Pressure to Upsell!
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.
Pros
Great Training
Cons
Long Hours, Micro management of your time, Commission Sales Only.
Not Fantastic - Sales
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 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!
Pros
Income, Freedom, Schedule, Growth
If you want opportunity over security
Sales agent (Current Employee) – Halifax Regional Municipality, NS – 1 November 2018
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.
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.
Pros
great training and management
Cons
Not for everyone, gotta be ready to work
work ethic and a grinders mentality is required
Agent (Former Employee) – Halifax, NS – 19 October 2018
AIL was a great learning experience for me. If you want to learn what the harsh reality of sales is, and test your grit, you will be able to do both of those here.
Pros
opportunity to make lots of money
Cons
it takes a certain type of person to fully subscribe to their ways.
it was OK
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.
This company is not what they say it is.
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!!!
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!!!
Pros
None
Cons
Total scam
Good company to learn but no base salary
Insurance Sales Representative (Current Employee) – Waco, TX – 1 October 2018
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.
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.
Pros
workplace culture collegial, good benfit plans for clients
Cons
long hours, difficult to obtain leads
not a great place to work
Benefits specialist (Former Employee) – Winnipeg, MB – 28 September 2018
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.
Invent your own future
Regional Manager (Current Employee) – Winnipeg, MB – 20 September 2018
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.
Pros
Pay, Travel, People
Want to know more about American Income Life? Just ask.
What is the interview process like?
Great experience
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.
Insurance agenrt
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.
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
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!
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!
Flexible working hours / Leadership
Life Insurance Agent, Supervisor - Full Time (Current Employee) – London, ON – 22 August 2018
Excellent Leadership Environment! Good Company!
Training is good, good platform to a millionaire because of great residual and renewal income. The commission and WGB (Bonus) structure is profound and amazing.
Training is good, good platform to a millionaire because of great residual and renewal income. The commission and WGB (Bonus) structure is profound and amazing.
AIL is a great springboard
Supervising Associate (Former Employee) – Toronto, ON – 15 August 2018
AIL is a place that you gotta be committed to if you want to succeed. Other than that it is a great springboard to learn many useful skills to bolster your professional repertoire.
Pros
Great learning
Cons
Long days if you want to succeed
Good work place with a positive work environment
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.
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.
Pros
commissions are paid nearly timely
Cons
very long hours not commensurate with the pay
Great Company!
Master General Agent (Current Employee) – Edmonton, AB – 10 August 2018
Love working here, lots of room for both personal and professional development and growth into a management role based on performance and results. Lots of opportunity to relocate and open new offices.
learning different culture
customer service (Current Employee) – Winnipeg, MB – 2 August 2018
You are what you want to be. the company has opportunities to grow but it is very tough to achieve. You can work hard and not get a pay just because you did not make a sale
Life Insurance Agent
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 usually more... 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
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 usually more... 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
Pros
Nice People at the meetings
Cons
Bad Pay unless you are extremely talented at sales, or get into mangement