American Income Life
Work wellbeing score is 57 out of 100
3.2 out of 5 stars.
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American Income Life Employee Reviews for Insurance Agent

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Insurance Agent61 reviews
Canada61 reviews

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2.9Work-life balance

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Great training but tough commision based structure

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Don't go for it if you're not willing to invest the 1st year time and savings till your skills and sales curve start to pay off...very risky! training is great!




Comission based
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Insurance sale is not real good

It is not a real job. No salary on it. You just make commission. They always make you feel like a garbage.The data they give you even 40 years ago. So it means you customer die!
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Insights into American Income Life

Based on 36 survey responses
What people like
  • Inclusive work environment
  • Time and location flexibility
  • Supportive environment
Areas for improvement
  • Ability to meet personal goals
  • General feeling of work happiness
  • Fair pay for job

Not a great environment

This revolves around how much you push insurance at families and how well you are trained to do so. Getting into people's houses with a free child safe kit/will kit and pushing them to decide right away. Then be ready for people to cancel & you have to pay back what you got paid


Got my life insurance license LLQP but that wasnt provided by the company


Awful management and huge amounts of wasted time
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I think they made it seem so good, but really it wasn’t .

They get you in the meetings, pumping you up and telling you how great the company is. Everybody working there is there for themselves and was not a friendly work environment


Get paid once a week


Take union dues from you every week, not a friendly place, poor leadership
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Success driven

Success driven work Heavy prospect and lead gathering Flexible hours Great pay for work accomplished Focused and driven workers will make a good living
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great place to work and great people to work with

I was pretty skeptical when I first took this job because it sounded like it was too good to be true. Yes I had to pay for my insurance license up front, but now I am a licensed agent. With the mentoring and the teaching culture that surrounds everything that they do not only have I learned to become a better agent I have become a better person. I also have the opportunity to mentor others and it is really fulfilling to know that I am helping other people more than I'm helping myself. There is a lot of hard work involved but at the end of the day it is always worth it


mentoring, great pay, making a difference


long hours, hard work
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money maker

working hard and you will have good payment, very friendly working environment, my manager is very nice and helpful, help me a lot. full commission base, if you don't work you will not have any payment
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Great management and staff, very team oriented

My manager at this company was fantastic. Unfortunately I couldn't handle making cold calls and wondering if I was getting paid week to week. This is a commission based job only, so if you are seeking job security look elsewhere.They offer really great benefits and it is great for someone looking for a competitive field.


Create your own work hours, great people to work with


No financial stability
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If you're looking for a family friendly job, this IS NOT IT. You are required to do hours and hours of training with no pay and then they just toss you out there in the world on your own with minimal practical skills
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good job. bad management

you are promised the world during hiring. Management is typical salesmen who can't tell the truth to save their lives. Advancement is not based on performance. It is based on kissing butts.




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Hard work will pay off

not what I expected, after paying for courses and license I saw what the job actually entails. lots of "cold-calling", independent, long hours, commission based.


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Good stepping stone

Good stepping stone. Managers are very helpful in teaching you the little tricks in sales. Great place to learn and develop your own businesss. Lots of leads just have to make the sales.
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Dont do it

You are responsible for getting your own clients through referrals etc. You have to follow a script that you are required to memorize and you take your laptop to all appointments to do a presentation. You will get calls from your team leader to check up on you. Commission pay I spent more money on expenses such as food and gas than I made, and I was doing pretty well so...basically it is not worth it.


Get to know about life insurance


Spend more money on expenses than you make in commission
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Not Fantastic - Sales

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
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Life Insurance Agent

Contact client referrals and book appointment to discuss products, meet with the clients and go over health issues and what they are looking for in a policy.


Cold Calling
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it was OK

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.
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Great experience

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.
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Insurance agenrt

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.
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great people to work with

need to be high self motivated, able to handle precise information correctly, ability to keep calm in high pressure situations always keeping a positive attitude
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Flexible working hours / Leadership

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.
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Life Insurance Agent

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 - 


Nice People at the meetings


Bad Pay unless you are extremely talented at sales, or get into mangement
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Insurance Agent at American Income Life

Estimated salary
$68,541 per year

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Overall rating

Based on 260 reviews

Ratings by category

2.9 out of 5 stars for Work/Life Balance
3.2 out of 5 stars for Salary/Benefits
3.2 out of 5 stars for Job security/advancement
3.3 out of 5 stars for Management
3.3 out of 5 stars for Culture

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