American Income Life Insurance Company

I have worked for American Income Life for 11 years now. I have never been as proud to work for a company as I am for them. I have helped hundreds and hundreds of clients and have treated all of them with the respect and dignity they deserve. I have been there for my families in their times of need and have had people call me crying while thanking me. Selling insurance is not for everyone. But if it is for you, then you will find a home with American Income.

Deceiving & conniving! I filled out a Child Safety kit at the Halloween costume store. They called me days later claiming it takes 40 minutes plus to explain how the kit works.
The agent shows up at my house as planned.
To set your BS radar to rest, they show you a form claiming the International Police Union endorses them. False! I asked my station in person when I was there getting a fix it traffic ticket signed.
The child Safety kit is self explanatory. Get the hairs from the root of the white & always remember, kidnappers never change the kids shoes. Also, store important documents in the freezer. It’s fire proof. However, i bet thieves know that too.
The rest of the 35 minutes were spent on sales pitch for Life insurance. None of the agents get reimbursed for gas and mileage. The way the company treats n tricks their employees says it all about this company.
Just get the kit n bullshit your way through the rest of the session.

I met a guy who was the «general agent» from this company. He stole all my information and I had 50 inquiries on my credit from San Diego after meeting this con artist and I live in OC. Stay away from Sharif Grays and all the other people who work for this fraud company. They are using the information you give them from insurance paperwork and running up your credit card bills.
BEWARE, you’ve been warned!!!

Got a call on ¹⁰⁄₂₇ from «Stell» who «found» me «on mon​ster​.com». Told me she was recruiting for a growing company that sells healthcare to unions, with various levels of jobs open. Would I be interested in coming to Eatentown for an interview at 10 AM on ¹⁰⁄₂₉? I have an inside sales background, so I asked the name of the company and she said she would send me the info by email. Behaved like a head hunter hiring for a discreet opening, not an employee of the company, or a hired telemarketer/​recruiter. I told her to send to me info and I would review and reply re the interview. Needless to say, got nothing. Called her twice at the number she gave me [(732) 597‑6680]; no return call. Phone number lookup revealed nothing Then checked my phone for the number she called from [(732)225−6190), and saw who it was. Called their Head of HR (Anna), just to see what would happen… Would we keep up the act? Left a message. Nothing.
When I read the positive reviews posted here, I wonder if they are as bogus in their marketing as they are in their recruiting. You know… one of those companies that pays people to post positive reviews… or posts their own positive reviews.

My father has had a policy for 19 years. He was in the hospital for 8 days and will need to be off work for 8 weeks. They won’t cover his hospital stay or bills like the policy claims. Because he didn’t report the accident within 72 hours. Needless to say he’s canceling the policy. Who needs the added expense at this point. Horrible company. So, do your research make sure to get everything in writing and go with a different company that will work with you when you need them.

Total scam. Was contacted for a job interview by a woman who was completely gimmicky, and was reading a script. Said my experience was exactly what they needed. I have a very diverse back ground and asked her specifically which part? She then stuttered and said «probably all of it»
Would only tell me it was for a manager position, and would say nothing about the company, department of job duties until the actual interview. All reviews online say they promise big money, but make you PAY for training. No thanks.

God awful customer service. Thank God finally got to get rid off of that policy.

This is the worst company to deal with ever. Do not do business with them. They steal cheat and lie. I signed up and everything was good with the guys that came to my house. Then the person called to verify my information… The girl who sounded like she just woke up got my name wrong, my address wrong and the policies I signed up for wrong. I had to correct her on everything. I also told them to hold off on withdrawing money for a month and not to submit anything because I was about to move, the very next day they took the money from my account. I called and just cancelled the whole thing because it was all starting to seem like a scam. They then proceed to tell me that they cannot refund my mone, MY MONEY, for thirty days. Even though they were paid because it was an automatic withdrawal from my acct. They then deposi ¹⁄₃ of the money in my acct and tell me the rest they sent as checks in the mail for no good reason. I gave them one star only because I had to. They would have gotten no stars. To save yourself a headache, please do not do business with this company.

I just received a phone call in regards to my resume on Monster. After reviewing the company and the reviews here, I don’t think I will be attending this so called interview. Thanks for the heads up. That’s really bad preying on people who are in need of employment with a scam.

ALERT!!! SCAM ARTISTS!!! Will «show you how to use a child safety kit» just to get inside your door to sell insurance. When I called back to cancel the guy gave me attitude. All I have to say is beware…

Absolutely horrible! I don’t have and never had a policy with this company. They’ve sent me letters for a year asking for a voided check to re open my account. I threw it away thinking it was junk mail. Then the «agent» Angel Ordas shows up to my HOME uninvited and unannounced at 8 o clock at night! I am beyond livid with this company. I’m now afraid of how they were able to obtain my home address when I just moved and I’ve never spoke to any one from this company. My attorney and law enforcement have been notified. Invasion of privacy and harassment! Stay clear and beware of them.

Well I just got a call from a ‘Jasmine’ claiming she saw my resume on
and also asked if I wanted to come in for an interview for a manager position. I was puzzled and asked,“Is this art based since I am an illustrator” and she replied «no». I asked the starting salary and she tells me its 65k to start. The then went on to tell me that the interview was at noon and to dress with professional attire and to bring a copy of my resume. I’m thinking «Why do you need an extra copy of my resume? You just saw it on
;
I look them up in Unilocal and Google and I’m finding all these reviews about how this company does a large ‘interview’ with a large amount of people after the initial bullshit interview to basically sell them training for $ 167 and a license. So I called and spoke to Jasmine and she was evasive. She tells me the interview IS a salary position starting at 65k. I asked her if this was for a commission position and she said no. I cancelled because she didn’t want to address the online reviews and told me the people conducting the interview would address the online reviews. I have a job with benefits, never wanted to sell insurance like Willy Loman by telephone and my lunch time is sacred so I’m not going to that interview. The reviews smell like fish & I’ve never run into these types of reviews by multiple people. Sounds like it’s too good to be true because it is. Plus who wants to sell on commission in an economy like this?

Union members beware! This company claims that your union is paying for some of the benefits, when they are indeed not. Do yourself a favor and call your union, I can guarantee they will say they do not endorse, or pay for coverage from this company. My father signed up and added me and my brother as dependents, then cancelled the policy when he found out the union didn’t back it. Over the past 3 months, I’ve been getting regular calls saying that my father’s union pays for a $ 1,000 benefit for me and asked to set an appointment. I was also asked multiple times for 10 names of people that can also receive this free benefit. Total scam. Stay away from this company.

Signed up for a «Free Child Safe Kit» in our Pediatrician’s Office and got a phone call from someone who said he was going to «drop off the kit» and «show us how to use it». He came over, showed us the kit, and then tried to sell us insurance for almost 2 hours. My husband told him more than once that we were not interested in the insurance because we already have great insurance — but he kept on going with his presentation. Long story short, get a free child safe kit from your local police station!

NO STARS!
I was an insurance agent for several years and I know how the business works. I am writing this from the standpoint of the consumer and not as an agent.
The reviews that state this company has a BBB rating of A+ are not correct. According to my check on the BBB website just now, they are not rated at all –for whatever reason.
The reason for my check was because my husband has 3 policies with them and we have been unable to get the information we want (NEED) from their agents, or on their website. So, I wanted to investigate what others have experienced. We have never had good experience from AIL, in getting answers to simple straight-​forward questions such as «If this is a whole life policy, what is the current cash value?»
My experience with other insurance companies I have worked with; as well as insurance companies I have done business with as a customer, have been pretty simple. Ask a question — get an answer. With most reputable companies you can go on their website and see every detail of your policy. Not so with this company website. I found very little information for the consumer, but I did of course find a very visible link to pay your premium.
When I did find a link that looked helpful it returned an error page. Admittedly, I did not try with another browser, but come on — I use Google Chrome– and surely insurance companies who brag an A+ rating with AM Best, can afford to invest in their tech department.
We will be calling them again tomorrow — 13 years of paying premiums and this will be the last call. May call Prudential for a replacement policy quote. They have never let my family down and have been around forever. Bottom line on companies like Prudential –The key to getting the right life insurance policy lies with getting the right agent.

Wonderful company; received an A+ rating from the BBB, how much better can you get? I’ve been a policyholder with this company for three years and have always been treated with the utmost respect and professionalism. I am extremely happy with the services provided. I’ve recommended it to my closest friends and will continue to do so, as these are some of the best people with the highest integrity I’ve ever seen in the industry. Truly no wonder they’re top-​rated with both A.M. Best and the BBB.

They sucked me into coming in for a «career consultation» and I sat through their 1.5 hour sale pitch while their lobby filled with other suckers. They pretend that the training website is owned by someone else when they tell you about it and afterwards they walk you out the back door so you won’t notice the lobby full of the next suckers waiting to be asked underhandedly for the $ 167. subscription to their «training». Anybody who is stupid enough to give them $ 167.00 for their Internet course deserves to be taken. They «hire» hundreds and hundreds of people a week getting $ 167. from each one of them for their online course to get your Calfornia insurance sales license. It is obvious that they own the web site. Anybody who shows up gets hired and is asked for their money. This place is nothing more than a scam. After your «interview» they see you out the back door because they have a lobby full of the next group of suckers they are going to try to suck money out of. There is no way they could possibly put all those people to work. This is nothing more than a scam and it should be shut down. Here’s a tip; in this job market if someone needs to call people to give them a job then there is something very wrong with the company. They tell you that 50% of the people who come through their doors are successful. What they mean is successful elsewhere because there is no success where this company is concerned; only the success of taking your $ 167.

After posting my resume on Monster, I have gotten several calls from this «company» offering me a job with them. I’m pretty sure most employers will take no the first time and would not continue to harass someone who declines their job offer. They also were claiming that I put in an application when I had never even heard of this company and I even double checked my history and places I had applied on my account. This is definitely a scam of some sort. They are very persistent, liars, and extremely pushy. DO NOT TRUST THESE PEOPLE! I would give them 0 stars if I could.

Horrible. Unprofessional, uninformed and not delivering on what they promise. No stars

Im a policy holder and I am so unhappy with the service I have recived from this company. First of all I was pressured to purchase a policy by the agent claiming to represent a union, and claiming that this was my only opportunity to become a policy holder.
Lately I had representatives blow up my phone trying to set up an appointment to update my information for several months to the point where they called me every day more than 10 times in a single day. I finally decided to answer of their phone calls to politely ask them to stop harrassing me. I felt like I owed them money, even though that was not the issue. They are worse than a collections company. After I had ask them to stop calling me they continue to call till I agreed to meet to «update» my information.
The day of my appointment the insurance agent showed up 1 hour late, she never called to let me know she was running late or apologize to me for showing up late. Instead I was scolded by her, she was very aggressive towards me and had such a nasty attitude when I refuse to let her in. I had never encountered a person so arrogant. I feel so ripped off and abuse by this people. Please do yourself a favor and dont get involved with this company.
FROM PORTLAND, OR.