American Income Life Pay & benefits reviews

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!

Pros

Training

Cons

Comission based

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Be careful and do research before you start

Licensed Insurance Advisor (Former Employee) - Calgary, AB - 18 November 2023

American Income is probably one of the worst employers I have worked with. There is no base salary, limited training and dishonest management. If you have your own network and know how to scam people this is the ideal job for you. Management tries to recruit lots of people because they also get a cut. Overall, they over promise and under deliver.

Pros

Obtained LLQP, remote work

Cons

Everything else

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Poor Management. Terrible leads and they'll cut you loose.

Field Representative for members of labour unions (Former Employee) - London, ON - 28 August 2019

Traboulay couldn't even book appointments on the phone, yet he expects you to land sales or he fires you. They then hammer their clients multiple times per year to upsell them more.

Pros

None

Cons

Low pay scale, no security, Kills your car.

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Insurance sale is not real good

Insurance Agent (Former Employee) - Halifax, ON - 22 August 2019

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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I think they made it seem so good, but really it wasn’t .

Insurance Agent (Former Employee) - Calgary, AB - 5 August 2019

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

Pros

Get paid once a week

Cons

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

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Insights into American Income Life

Based on 37 survey responses

What people like

Time and location flexibility
Feeling of personal appreciation
Supportive environment

Areas for improvement

Ability to meet personal goals
General feeling of work happiness
Overall satisfaction

great place to work with friends!

Mobile Benefits Specialist (Former Employee) - edmonton - 23 July 2019

everything was good. just didn't like the outbound type of sales constantly. very good place for people who like sales and don't mind going house to house.

Pros

good people

Cons

long hours

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Read before you work here!

Career Agent (Former Employee) - Canada - 2 July 2019

I began my journey with AIL being told I would make 40-60k per year or more depending on how much work that you put into it. The job originally sounded appealing because they preach that you will have work/life balance and that "family comes first". I was looking to work for a company that has a family culture. However that is completely NOT the case. To rewind I had originally applied on a job recruiting website and was called a day or two later to schedule an interview. I showed up to the interview and was surprised to see that there were 20+ other candidates. They stated that they were running behind so I waited about 1 hour before sitting down with the person interviewing me. After the initial interview if they liked you they herd you into another room for a "competitive interview" which turned out to just be them telling you how awesome AIL is and how it will change your life and how the opportunity is endless. It was not an interview at all just the head manager of that office telling you how lucky you are to be "chosen" for the competitive interview, videos about the company basically brainwashing you into thinking you are stupid if you don't join. I ended up being there for about 3 hours and wasted a majority of my day sitting around waiting for the "next step". I ended up being chosen to move forward and was told that I would need to purchase a Life Insurance License (over $230) and had to complete it within 2 weeks or they would not pay for my Provincial exam (Over $100). I rushed to complete it and was told that during that time I also had to be present at the -

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Success driven

INSURANCE AGENT (Current Employee) - Calgary, AB - 2 July 2019

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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Fun place to work and grow

Sales Manager (Current Employee) - Edmonton, AB - 18 June 2019

if youre willing to put the work in and have the character needed easy to grow and earn, very rewarding compensation structure and great culture for fun

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Fun workplace, flexible hours, good pay.

Agent (Current Employee) - Winnipeg, MB - 18 June 2019

I've been working with the company for over a year now and have learned ALOT when it comes to sales. They have amazing training and leaders that are there to help you any time of the day. Great paying job if you're willing to work hard. Amazing office culture as well, everyone helps each other out and it kinda feels like family. Fantastic benefits.

Pros

Good pay, excellent benefits, great culture

Cons

Weird hours. Commission only.

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Very challenging but rewarding

Field Sales Manager // Calgary (Former Employee) - Toronto, ON - 11 June 2019

This job changed my life, you really have to be ready to face a lot of your fears with this job when it comes to working strictly commission based salary and having uncomfortable conversations with people. You sell life insurance, which is hard to sell in and of itself but having to talk with people about their own mortality, financial impact of death on the family and what happens when someone gets seriously hurt in their family is HARD and VERY UNCOMFORTABLE to do. Although very hard to do. this is one the most important conversations you can have with a family period and if you can get over yourself and your own emotional inhibitions about doing it IT PAYS REALLY WELL and the benefits are great, full dental full coverage for prescriptions. There is a bit of a learning curve in the beginning where you don’t make any money so if you can’t cover you bills and live for a month without a pay check I wouldn’t start this job just yet. Great management, one of the best training platforms ever. I grew exponentially as a person and as a salesman at this company and the emotional fortitude required to be successful at this particular job really bleeds over into other areas of your life

Pros

Great commission and bonus structure

Cons

If you can’t set boundaries you won’t have a solid work life balance

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Great place to work, but it is NOT easy. As with anything you get paid what you put in. Sometimes long hours, but you control your schedule.

Agent (Current Employee) - Calgary - 9 June 2019

You get paid what your worth by setting your own schedule and the amount of time you work. This expecting an easy ride might as well look elsewhere. If it was easy everyone would do it. Those that have a great work ethic and are willing to put the time in, will do very well. Those that don’t, well won’t. As with any job, you don’t work, you don’t have a job

Pros

Great management, paid is high, benefits are amazing, set your own schedule and targets

Cons

Major self discipline

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Constant learning and advancement of skills to become the best version of yourself.

Advisor / Sales Agent (Current Employee) - Burnaby, BC - 18 May 2019

A day in the office would begin with training classes for certain skills that need to be improved all the time. Training that is tailored to your needs and management support all new and rookie agents with whatever they need to become successful. Very supportive and fruitful environment for people to grow. Not a cut throat office where people are only there for themselves and out to beat each other. Most enjoyable part of the job is enrolling families in our benefits and the feeling knowing that this family is protected for life whenever anything happens to them. Hardest part of the job is the discipline and motivation you have to have for yourself to grow. No one is pushing and checking on you every hour to see what you've done. You need to be a workhorse when no one is watching you and when no one is breathing down your neck about how much work you need to do.

Pros

Office supplies/expenses paid for

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Excellent company to work for

General Manager Benefits (Former Employee) - Oakville, ON - 12 May 2019

Excellent company to work for. Great culture. Great leadership. Great Management support, great training. Subsidiary of Torchmark Corporation (NYSE: TMK). Over 100 year’s well-known and trusted history for providing life insurance and health benefits with more than 7,000 workers in three countries with total US$ 4 Million annual revenue

Pros

Great team

Cons

none

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Amazing opportunity for dedicated people

Supervising agent (Current Employee) - London, ON - 12 May 2019

This company is great, it rewards hard work, provides all training and support. The culture is wonderful, everyone is eager to help and are positive and friendly. Not only is the compensation amazing, but there are medical/dental benefits included.

Pros

Medical and dental benefits, great compensation package, paid for the work you do, no limits on earnings, friendly family culture

Cons

Some long hours, but worth it for the pay. Requires dedication and ability to manage emotional up's and downs

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Fun place

Benefits Advisor (Current Employee) - Vaughan, ON - 10 May 2019

You are required to book appointment with clients and visit them. its like running your own personal business hence you incur running costs. you are allowed to work at your own pace.

Pros

you work at your own panc

Cons

no fixed salary. remuneration is based on sales

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Worth it

Benefits Representative (Current Employee) - Winnipeg, MB - 8 May 2019

This company provides benefits I wish I had been offered when my children were young. The process of learning to get your insurance license and training to become proficient in the field is hard work, but definitely worth it. Not many jobs provide the income potential of this opportunity or the flexibility to set your own schedule. I really appreciate the mentoring and training, as well as the supportive family feeling of the office culture.

Pros

Helping others

Cons

Takes a while to get licensed and trained

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money maker

Insurance Sales Agent (Former Employee) - London, ON - 28 April 2019

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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A good company

Supervising Agent (Former Employee) - Edmonton, AB - 4 April 2019

Good company if you can fit well into their culture. Roam for advancement. You have to be prepared to work long days for the first few months. Every office is also ran differently.

Pros

Good benefits and commission

Cons

Policies can be expensive

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Great management and staff, very team oriented

Insurance Agent (Former Employee) - Edmonton, AB - 18 March 2019

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.

Pros

Create your own work hours, great people to work with

Cons

No financial stability

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Terrible

Life Insurance Agent (Former Employee) - Surrey, BC - 11 March 2019

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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