A new law went into effect beginning January 1, 2011 in California whereby Insurance Providers must charge males and females the same amount for life insurance and as such the insurance companies cannot discriminate by sex.
The problem is that this is only going to raise insurance rates for women since women and men age differently, are susceptible to contract different illnesses and die at different ages. As such, this is an absolutely ridiculous and stupid law that ignores all science. Welcome to California where we cease to use any sense of reasonableness or logic and just do whatever we want!
The positive, is that it is another avenue to challenge AIL. As such, if you are contacted by an AIL representative or an AIL employee make sure that they are complying with the law in California.
So, attention California Offices you are being watched and pay attention to the statute of limitations on current and future litigation...
Tuesday, January 4, 2011
Saturday, September 4, 2010
More About the Conspiracy: The Advertisers http://www.tmkrms.com/
We would like all of you who have been defrauded or otherwise screwed by AIL or any of its companies or subcompanies, including owner Torchmark, to check out their chief advertiser at this website and give them your mind
The Advertiser can be contacted at : http://www.tmkrms.com/
It is unclear, however, who this company is.
The Advertiser can be contacted at : http://www.tmkrms.com/
It is unclear, however, who this company is.
Wednesday, August 25, 2010
Managers Beware
If you were employed with AIL for a period of approximately 6-months to 1-year or more and you leave the company be prepared to receive a bill from AIL for around $500 accompanied by a letter explaining that the $500 is for lost business and loss of good-will. The letter might also sue you if you do not pay it and report the non-payment to a collections agency.
BEFORE YOU DO ANYTHING Make sure that you request in writing that AIL send you copies of any/all agreements or contracts you signed with them. Make sure that the amount is valid and that in your contract it specifies that you agreed to pay. Also, if you signed any contracts under suspicious circumstances - such as AIL managers had you sign the contract in front of many people during a meeting without you having a chance to review it - the contract may be invalid.
BEFORE YOU DO ANYTHING Make sure that you request in writing that AIL send you copies of any/all agreements or contracts you signed with them. Make sure that the amount is valid and that in your contract it specifies that you agreed to pay. Also, if you signed any contracts under suspicious circumstances - such as AIL managers had you sign the contract in front of many people during a meeting without you having a chance to review it - the contract may be invalid.
Friday, August 20, 2010
I Need Your Help
As you all know I am doing my best to bring to the surface the horrible practices of this company. I am going to small claim court soon, and I need your help. I need you all to contact me so you can tell your story. Please email me at chasemasterson01@gmail.com with your story and information so we can begin to hold this company accountable for the scam it is committing on the world.
Best Wishes,
Chase
Best Wishes,
Chase
MISSION STATEMENT
MISSION STATEMENT
My goal is to take legal action against Torchmark Corporation, American Income Life Insurance Company, and All individual Agencies and Individuals who recruit, sell, or otherwise market the American Income Life to the public in a fraudulent manner. My goal is to legally force these companies and individuals to recruit, sell, and market to the public in a manner that is free of all fraudulent pretenses, misrepresentations, half-truths, or otherwise.
MY EXPERIENCE
My goal is to take legal action against Torchmark Corporation, American Income Life Insurance Company, and All individual Agencies and Individuals who recruit, sell, or otherwise market the American Income Life to the public in a fraudulent manner. My goal is to legally force these companies and individuals to recruit, sell, and market to the public in a manner that is free of all fraudulent pretenses, misrepresentations, half-truths, or otherwise.
MY EXPERIENCE
I am an ex-employee who recognizes that this company may sell a legitimate product but uses fraudulent tactics in both selling the product and hiring new agents. This fraudulent behavior originates and is taught by American Income Life's staff at their home office in Waco Texas at "Leadership Schools". At these "Leadership Schools" AIL higher-ups teach employees from across the Nation how to recruit and manage AIL staff. This includes what to say in emails and on the telephone when initially contacting prospective employees, what to say in the interview process, and even what to say when new hirees ask questions that may illicit the truth in how AIL actually compensates its employees or does business among the general public.
I have Found That General Managers at American Income Life Insurance Company Have Engaged in the Following Fraudulent Or Otherwise Improper Conduct.
1.) INITIAL CONTACT WITH PROSPECTIVE EMPLOYEES.
a.) False Statement: You are being contacted for a "Management Position."
Fact: This is Not a "Job Offer" it is an "Opportunity" meaning you are paying AIL to train you to sell their product in hopes you can recoup your losses by selling enough policies over time.
2.) STATEMENTS MADE IN THE INTERVIEWING PROCESS.
a.) False Statement: "This is Your Business."
Fact: You are required to be at AIL's place of business: for meetings on Mondays, to make phone calls on Tuesday and Thursday from 5pm-9pm, and to work Saturday and Sundays in the field selling policies.
b.) False Statement: You Can "Make Your Own Hours."
Fact: See above.
c.) False Statement: There is Unlimited "Unlimited Income Potential."
Fact: There your income potential is limited by the number of years you stay with the company - you do not get paid for the full amount of your commission as a residual unless you stay with AIL for 10-years.
3.) CHARGING YOUR CREDIT CARD FOR ALLEGED LICENSING FEES.
a.) False Statement "We (AIL) will charge you for "Licensing."
Fact: You are being charged for: 1) Insurance Licensing School, in addition to: 2) Payment to AIL to train you to use their Sales Pitches, and 2) Office Expenses including a filing box, pens, paper, and dividers.
4.) STATEMENTS OF PAYMENT BENEFITS.
a.) False Statement: "We (AIL) Reimburse you for Licensing Expenses."
Fact: You are only reimbursed for charges of the Licensing school and not what you pay to be taught AIL's sales pitches and office expenses.
Fact: You are only reimbursed about 65% - 75% of your initial payment to AIL ONLY if you have an 86% retention rate on sold policies.
b.) Truth About Residuals.
Fact: Each year you stay with the company you earn 10% of your residuals which means to earn all of your residuals you must advance to a Master General Agent Position and Stay with the Company for 10-years.
5.) HOW MANAGERS TREAT STAFF
a.) Managers saying to newly licensed agents, "I look at you guys and all I see is how much money I can make off you."
b.) Managers reprimanding agents for taking meal breaks.
6.) STATEMENTS ABOUT THE NATURE OF THE EMPLOYMENT
You will be contacted from either a blocked number or a number that will read "American Income", "American Income Life," "National Income Life," or something around those lines. The person will say they are from American Income and that they are calling you because: (1) either your benefits are ready to be received or, (2) a friend of yours or a family member has become a member with their company. What this really means is that somehow they have gotten your contact information from someone you know but it does not mean that the person you know is actually a member of AIL or any of its affiliate companies.
These agents are trained to call your number over and over both blocked and unblocked until you pick up the phone. If the agents have your address they are trained to go to you home without notice and try to get into your home, especially to your kitchen, to get you to sit down and sell you a policy. Agents are explicitly trained to "take control" over your home by trying to walk past you into your house without being invited, to look for your bank information so that you cannot use failure to have a bank account as an excuse not to buy, and also by rearranging papers on your table, rearranging chairs in your living spaces, and to tell you and your loved ones where to sit.
1.) How AIL Obtained Your Information:
You are being contacted because 1) You either filled out a Union Card asking to be contacted 2) Your name is in the AIL database, or 3) A friend was contacted by AIL and they gave AIL your name (there is a strong likelihood they were pressured into giving out your name and contact information).
2) Reason AIL is Contacting You:
They want to get into your house to sell you life insurance.
3) Method of Getting Into Your House:
Agents are trained that once you open the door they are to enter as quickly as possible, find your kitchen table, and begin moving chairs around in order to get control of the situation. Once inside Agents are taught to look for your mail in order to find out what Bank you bank with. Agents are also instructed to look at your purse or wallet when you open it to look for Bank information.
4) Truth About the Certificate Paying You Immediately:
This is Not Unique to AIL, they will tell you they are the only company in the Nation, or World (depending on the AIL office) that has this certificate. In fact other companies have this option - to be paid immediately upon death. However, you are being charged for this service as other companies similarly charge for this service.
5) Pressure Methods to Get You to Purchase:
Agents are instructed to tell clients that they must service union members first which is false. Agents will tell you that they can only see you once and they cannot come back to your house before other Union Members get their benefits - this is false as well since Agents are not restricted to go back to a house as many times as they feel necessary to get you to buy.
The Public Should Be Cautious When Dealing With Agencies Located In These States:
California
Agency: All Furer-Whittinghill Agencies
Location: Most of Southern California
Florida
Information is Currently being processed.
Michigan
Information is Currently being processed.
Minnesota
Information is Currently being processed.
North Dakota
Information is Currently being processed.
Ohio
Information is Currently being processed.
Oklahoma
Information is Currently being processed.
FRAUDULENT PRACTICES AGAINST EMPLOYEES
I have Found That General Managers at American Income Life Insurance Company Have Engaged in the Following Fraudulent Or Otherwise Improper Conduct.
1.) INITIAL CONTACT WITH PROSPECTIVE EMPLOYEES.
a.) False Statement: You are being contacted for a "Management Position."
Fact: This is Not a "Job Offer" it is an "Opportunity" meaning you are paying AIL to train you to sell their product in hopes you can recoup your losses by selling enough policies over time.
2.) STATEMENTS MADE IN THE INTERVIEWING PROCESS.
a.) False Statement: "This is Your Business."
Fact: You are required to be at AIL's place of business: for meetings on Mondays, to make phone calls on Tuesday and Thursday from 5pm-9pm, and to work Saturday and Sundays in the field selling policies.
b.) False Statement: You Can "Make Your Own Hours."
Fact: See above.
c.) False Statement: There is Unlimited "Unlimited Income Potential."
Fact: There your income potential is limited by the number of years you stay with the company - you do not get paid for the full amount of your commission as a residual unless you stay with AIL for 10-years.
3.) CHARGING YOUR CREDIT CARD FOR ALLEGED LICENSING FEES.
a.) False Statement "We (AIL) will charge you for "Licensing."
Fact: You are being charged for: 1) Insurance Licensing School, in addition to: 2) Payment to AIL to train you to use their Sales Pitches, and 2) Office Expenses including a filing box, pens, paper, and dividers.
4.) STATEMENTS OF PAYMENT BENEFITS.
a.) False Statement: "We (AIL) Reimburse you for Licensing Expenses."
Fact: You are only reimbursed for charges of the Licensing school and not what you pay to be taught AIL's sales pitches and office expenses.
Fact: You are only reimbursed about 65% - 75% of your initial payment to AIL ONLY if you have an 86% retention rate on sold policies.
b.) Truth About Residuals.
Fact: Each year you stay with the company you earn 10% of your residuals which means to earn all of your residuals you must advance to a Master General Agent Position and Stay with the Company for 10-years.
5.) HOW MANAGERS TREAT STAFF
a.) Managers saying to newly licensed agents, "I look at you guys and all I see is how much money I can make off you."
b.) Managers reprimanding agents for taking meal breaks.
6.) STATEMENTS ABOUT THE NATURE OF THE EMPLOYMENT
FRAUDULENT PRACTICES AGAINST THE PUBLIC AND PURCHASER
You will be contacted from either a blocked number or a number that will read "American Income", "American Income Life," "National Income Life," or something around those lines. The person will say they are from American Income and that they are calling you because: (1) either your benefits are ready to be received or, (2) a friend of yours or a family member has become a member with their company. What this really means is that somehow they have gotten your contact information from someone you know but it does not mean that the person you know is actually a member of AIL or any of its affiliate companies.
These agents are trained to call your number over and over both blocked and unblocked until you pick up the phone. If the agents have your address they are trained to go to you home without notice and try to get into your home, especially to your kitchen, to get you to sit down and sell you a policy. Agents are explicitly trained to "take control" over your home by trying to walk past you into your house without being invited, to look for your bank information so that you cannot use failure to have a bank account as an excuse not to buy, and also by rearranging papers on your table, rearranging chairs in your living spaces, and to tell you and your loved ones where to sit.
1.) How AIL Obtained Your Information:
You are being contacted because 1) You either filled out a Union Card asking to be contacted 2) Your name is in the AIL database, or 3) A friend was contacted by AIL and they gave AIL your name (there is a strong likelihood they were pressured into giving out your name and contact information).
2) Reason AIL is Contacting You:
They want to get into your house to sell you life insurance.
3) Method of Getting Into Your House:
Agents are trained that once you open the door they are to enter as quickly as possible, find your kitchen table, and begin moving chairs around in order to get control of the situation. Once inside Agents are taught to look for your mail in order to find out what Bank you bank with. Agents are also instructed to look at your purse or wallet when you open it to look for Bank information.
4) Truth About the Certificate Paying You Immediately:
This is Not Unique to AIL, they will tell you they are the only company in the Nation, or World (depending on the AIL office) that has this certificate. In fact other companies have this option - to be paid immediately upon death. However, you are being charged for this service as other companies similarly charge for this service.
5) Pressure Methods to Get You to Purchase:
Agents are instructed to tell clients that they must service union members first which is false. Agents will tell you that they can only see you once and they cannot come back to your house before other Union Members get their benefits - this is false as well since Agents are not restricted to go back to a house as many times as they feel necessary to get you to buy.
AGENCIES TO BE CAUTIOUS OF DUE TO COMPLAINTS (BY LOCATION)
Please Note: Earlier I had posted "more to come" indicating that I would post each offense by location. After talking with many people I have come to realize that all (every single one) AIL agencies are nearly identical in their violation with the only difference being that in different regions, and often based on economic differences, the initial fee to sign up varies from $200-$655, however I have chronicled that one area has gone from $200 to $650 in a six-month period in the last year alone. Thus, unless there are statistically significant differences the following locations have engaged in these behaviors:
(1) Settle disputes out of court between past employees in order to keep its Better Business Bureau Rating (BBB); (2) Possible drug abuse among managers and owners; (3) Managers and Owners verbally and physically harassing employees during "Departure/Exit Interviews"; (4) Lying to prospective employees about the job description, job requirements, and income potential; (5) Lying to potential customers about the nature of the product or lying to get into the customers house to sell them a product.
(1) Settle disputes out of court between past employees in order to keep its Better Business Bureau Rating (BBB); (2) Possible drug abuse among managers and owners; (3) Managers and Owners verbally and physically harassing employees during "Departure/Exit Interviews"; (4) Lying to prospective employees about the job description, job requirements, and income potential; (5) Lying to potential customers about the nature of the product or lying to get into the customers house to sell them a product.
The Public Should Be Cautious When Dealing With Agencies Located In These States:
California
Agency: All Furer-Whittinghill Agencies
Location: Most of Southern California
Florida
Information is Currently being processed.
Michigan
Information is Currently being processed.
Minnesota
Information is Currently being processed.
North Dakota
Information is Currently being processed.
Ohio
Information is Currently being processed.
Oklahoma
Information is Currently being processed.
Thursday, August 19, 2010
The Truth About "Opportunity Unlimited"
This Post is intended to inform you about the document titled "American Income Life Opportunity Unlimited" which is given to you in a folder after your second "group interview" at the AIL office. The document looks something like this:
Start Up Investment $645
Start Up Investment Refunded -$645
Actual Start up Cost $0
Then it states:
This is all inclusive of Licensing School, use of licensing materials, Cram Class, Study Time, Pre Test, Admin. Fee, State of California Insurance Exam and State Appointment, supply box, presentation book, plus all materials to get started.
Then it states:
(There is an additional $70 fee for Live Scan fingerprinting)
Then it states:
*If offered a position with AIL, you must be prepared to enroll in licensing school and bring the aforementioned Start-Up fees. Start-Up investment fees are refunded after six months from date of first application. All fees are non-refundable before tHE six months, you must be employed with the Name of Agency at the time to receive the refund and must maintain Company required net/gross retention as well as Agency minimum production standards.
1. You are being charged for State Licensing Classes through a State Approved Licensing School.
2.. You are being charged for the AIL office to train you to sell their product. This is a 2-week training program where you pay them to go to their classes and have their managers teach you how to sell their products using their scripts.
3. You are being charged for a small file box, file folders, pens, and a road-map which I believe the Agency actually makes a profit off of.
4. If you do not stay with AIL for six months, sell enough to bonus so that managers bonus, have an 86% retention rate on all policies you sell, and move into a management position where you are interviewing and training agents and also have agents under you, the company will not pay you anything and you get no refund.
5. If you do stay for six-months, you are NOT refunded the entire amount - the Agency will refund only that portion of monies applied to State Licensing and does not refund for the other parts. The effect is you will only recoup about %80-%85 of your $645.
ISN'T IT FUNNY HOW AMERICAN INCOME LIFE TENDS TO LEAVE OUT FACTS THAT ARE IMPORTANT TO YOUR MAKING AN INFORMED DECISION AND INTENTIONALLY SKEW ALL INFORMATION IN A LIGHT MOST FAVORABLE TO THEM?
American Income Life
Opportunity Unlimited
Opportunity Unlimited
Start Up Investment $645
Start Up Investment Refunded -$645
Actual Start up Cost $0
Then it states:
This is all inclusive of Licensing School, use of licensing materials, Cram Class, Study Time, Pre Test, Admin. Fee, State of California Insurance Exam and State Appointment, supply box, presentation book, plus all materials to get started.
Then it states:
(There is an additional $70 fee for Live Scan fingerprinting)
Then it states:
*If offered a position with AIL, you must be prepared to enroll in licensing school and bring the aforementioned Start-Up fees. Start-Up investment fees are refunded after six months from date of first application. All fees are non-refundable before tHE six months, you must be employed with the Name of Agency at the time to receive the refund and must maintain Company required net/gross retention as well as Agency minimum production standards.
- WHAT THIS MEANS TO YOU -
1. You are being charged for State Licensing Classes through a State Approved Licensing School.
2.. You are being charged for the AIL office to train you to sell their product. This is a 2-week training program where you pay them to go to their classes and have their managers teach you how to sell their products using their scripts.
3. You are being charged for a small file box, file folders, pens, and a road-map which I believe the Agency actually makes a profit off of.
4. If you do not stay with AIL for six months, sell enough to bonus so that managers bonus, have an 86% retention rate on all policies you sell, and move into a management position where you are interviewing and training agents and also have agents under you, the company will not pay you anything and you get no refund.
5. If you do stay for six-months, you are NOT refunded the entire amount - the Agency will refund only that portion of monies applied to State Licensing and does not refund for the other parts. The effect is you will only recoup about %80-%85 of your $645.
ISN'T IT FUNNY HOW AMERICAN INCOME LIFE TENDS TO LEAVE OUT FACTS THAT ARE IMPORTANT TO YOUR MAKING AN INFORMED DECISION AND INTENTIONALLY SKEW ALL INFORMATION IN A LIGHT MOST FAVORABLE TO THEM?
Monday, July 5, 2010
MISSION STATEMENT
MISSION STATEMENT
My goal is to take legal action against Torchmark Corporation, American Income Life Insurance Company, and All individual Agencies and Individuals who recruit, sell, or otherwise market the American Income Life to the public in a fraudulent manner. My goal is to legally force these companies and individuals to recruit, sell, and market to the public in a manner that is free of all fraudulent pretenses, misrepresentations, half-truths, or otherwise.
MY EXPERIENCE
My goal is to take legal action against Torchmark Corporation, American Income Life Insurance Company, and All individual Agencies and Individuals who recruit, sell, or otherwise market the American Income Life to the public in a fraudulent manner. My goal is to legally force these companies and individuals to recruit, sell, and market to the public in a manner that is free of all fraudulent pretenses, misrepresentations, half-truths, or otherwise.
MY EXPERIENCE
I am an ex-employee who recognizes that this company may sell a legitimate product but uses fraudulent tactics in both selling the product and hiring new agents. This fraudulent behavior originates and is taught by American Income Life's staff at their home office in Waco Texas at "Leadership Schools". At these "Leadership Schools" AIL higher-ups teach employees from across the Nation how to recruit and manage AIL staff. This includes what to say in emails and on the telephone when initially contacting prospective employees, what to say in the interview process, and even what to say when new hirees ask questions that may illicit the truth in how AIL actually compensates its employees or does business among the general public.
I have Found That General Managers at American Income Life Insurance Company Have Engaged in the Following Fraudulent Or Otherwise Improper Conduct.
1.) INITIAL CONTACT WITH PROSPECTIVE EMPLOYEES.
a.) False Statement: You are being contacted for a "Management Position."
Fact: This is Not a "Job Offer" it is an "Opportunity" meaning you are paying AIL to train you to sell their product in hopes you can recoup your losses by selling enough policies over time.
2.) STATEMENTS MADE IN THE INTERVIEWING PROCESS.
a.) False Statement: "This is Your Business."
Fact: You are required to be at AIL's place of business: for meetings on Mondays, to make phone calls on Tuesday and Thursday from 5pm-9pm, and to work Saturday and Sundays in the field selling policies.
b.) False Statement: You Can "Make Your Own Hours."
Fact: See above.
c.) False Statement: There is Unlimited "Unlimited Income Potential."
Fact: There your income potential is limited by the number of years you stay with the company - you do not get paid for the full amount of your commission as a residual unless you stay with AIL for 10-years.
3.) CHARGING YOUR CREDIT CARD FOR ALLEGED LICENSING FEES.
a.) False Statement "We (AIL) will charge you for "Licensing."
Fact: You are being charged for: 1) Insurance Licensing School, in addition to: 2) Payment to AIL to train you to use their Sales Pitches, and 2) Office Expenses including a filing box, pens, paper, and dividers.
4.) STATEMENTS OF PAYMENT BENEFITS.
a.) False Statement: "We (AIL) Reimburse you for Licensing Expenses."
Fact: You are only reimbursed for charges of the Licensing school and not what you pay to be taught AIL's sales pitches and office expenses.
Fact: You are only reimbursed about 65% - 75% of your initial payment to AIL ONLY if you have an 86% retention rate on sold policies.
b.) Truth About Residuals.
Fact: Each year you stay with the company you earn 10% of your residuals which means to earn all of your residuals you must advance to a Master General Agent Position and Stay with the Company for 10-years.
5.) HOW MANAGERS TREAT STAFF
a.) Managers saying to newly licensed agents, "I look at you guys and all I see is how much money I can make off you."
b.) Managers reprimanding agents for taking meal breaks.
6.) STATEMENTS ABOUT THE NATURE OF THE EMPLOYMENT
You will be contacted from either a blocked number or a number that will read "American Income", "American Income Life," "National Income Life," or something around those lines. The person will say they are from American Income and that they are calling you because: (1) either your benefits are ready to be received or, (2) a friend of yours or a family member has become a member with their company. What this really means is that somehow they have gotten your contact information from someone you know but it does not mean that the person you know is actually a member of AIL or any of its affiliate companies.
These agents are trained to call your number over and over both blocked and unblocked until you pick up the phone. If the agents have your address they are trained to go to you home without notice and try to get into your home, especially to your kitchen, to get you to sit down and sell you a policy. Agents are explicitly trained to "take control" over your home by trying to walk past you into your house without being invited, to look for your bank information so that you cannot use failure to have a bank account as an excuse not to buy, and also by rearranging papers on your table, rearranging chairs in your living spaces, and to tell you and your loved ones where to sit.
1.) How AIL Obtained Your Information:
You are being contacted because 1) You either filled out a Union Card asking to be contacted 2) Your name is in the AIL database, or 3) A friend was contacted by AIL and they gave AIL your name (there is a strong likelihood they were pressured into giving out your name and contact information).
2) Reason AIL is Contacting You:
They want to get into your house to sell you life insurance.
3) Method of Getting Into Your House:
Agents are trained that once you open the door they are to enter as quickly as possible, find your kitchen table, and begin moving chairs around in order to get control of the situation. Once inside Agents are taught to look for your mail in order to find out what Bank you bank with. Agents are also instructed to look at your purse or wallet when you open it to look for Bank information.
4) Truth About the Certificate Paying You Immediately:
This is Not Unique to AIL, they will tell you they are the only company in the Nation, or World (depending on the AIL office) that has this certificate. In fact other companies have this option - to be paid immediately upon death. However, you are being charged for this service as other companies similarly charge for this service.
5) Pressure Methods to Get You to Purchase:
Agents are instructed to tell clients that they must service union members first which is false. Agents will tell you that they can only see you once and they cannot come back to your house before other Union Members get their benefits - this is false as well since Agents are not restricted to go back to a house as many times as they feel necessary to get you to buy.
The Public Should Be Cautious When Dealing With Agencies Located In These States:
California
Florida
Information is Currently being processed.
Michigan
Information is Currently being processed.
Minnesota
Information is Currently being processed.
North Dakota
Information is Currently being processed.
Ohio
Information is Currently being processed.
Oklahoma
Information is Currently being processed.
FRAUDULENT PRACTICES AGAINST EMPLOYEES
I have Found That General Managers at American Income Life Insurance Company Have Engaged in the Following Fraudulent Or Otherwise Improper Conduct.
1.) INITIAL CONTACT WITH PROSPECTIVE EMPLOYEES.
a.) False Statement: You are being contacted for a "Management Position."
Fact: This is Not a "Job Offer" it is an "Opportunity" meaning you are paying AIL to train you to sell their product in hopes you can recoup your losses by selling enough policies over time.
2.) STATEMENTS MADE IN THE INTERVIEWING PROCESS.
a.) False Statement: "This is Your Business."
Fact: You are required to be at AIL's place of business: for meetings on Mondays, to make phone calls on Tuesday and Thursday from 5pm-9pm, and to work Saturday and Sundays in the field selling policies.
b.) False Statement: You Can "Make Your Own Hours."
Fact: See above.
c.) False Statement: There is Unlimited "Unlimited Income Potential."
Fact: There your income potential is limited by the number of years you stay with the company - you do not get paid for the full amount of your commission as a residual unless you stay with AIL for 10-years.
3.) CHARGING YOUR CREDIT CARD FOR ALLEGED LICENSING FEES.
a.) False Statement "We (AIL) will charge you for "Licensing."
Fact: You are being charged for: 1) Insurance Licensing School, in addition to: 2) Payment to AIL to train you to use their Sales Pitches, and 2) Office Expenses including a filing box, pens, paper, and dividers.
4.) STATEMENTS OF PAYMENT BENEFITS.
a.) False Statement: "We (AIL) Reimburse you for Licensing Expenses."
Fact: You are only reimbursed for charges of the Licensing school and not what you pay to be taught AIL's sales pitches and office expenses.
Fact: You are only reimbursed about 65% - 75% of your initial payment to AIL ONLY if you have an 86% retention rate on sold policies.
b.) Truth About Residuals.
Fact: Each year you stay with the company you earn 10% of your residuals which means to earn all of your residuals you must advance to a Master General Agent Position and Stay with the Company for 10-years.
5.) HOW MANAGERS TREAT STAFF
a.) Managers saying to newly licensed agents, "I look at you guys and all I see is how much money I can make off you."
b.) Managers reprimanding agents for taking meal breaks.
6.) STATEMENTS ABOUT THE NATURE OF THE EMPLOYMENT
FRAUDULENT PRACTICES AGAINST THE PUBLIC AND PURCHASER
You will be contacted from either a blocked number or a number that will read "American Income", "American Income Life," "National Income Life," or something around those lines. The person will say they are from American Income and that they are calling you because: (1) either your benefits are ready to be received or, (2) a friend of yours or a family member has become a member with their company. What this really means is that somehow they have gotten your contact information from someone you know but it does not mean that the person you know is actually a member of AIL or any of its affiliate companies.
These agents are trained to call your number over and over both blocked and unblocked until you pick up the phone. If the agents have your address they are trained to go to you home without notice and try to get into your home, especially to your kitchen, to get you to sit down and sell you a policy. Agents are explicitly trained to "take control" over your home by trying to walk past you into your house without being invited, to look for your bank information so that you cannot use failure to have a bank account as an excuse not to buy, and also by rearranging papers on your table, rearranging chairs in your living spaces, and to tell you and your loved ones where to sit.
1.) How AIL Obtained Your Information:
You are being contacted because 1) You either filled out a Union Card asking to be contacted 2) Your name is in the AIL database, or 3) A friend was contacted by AIL and they gave AIL your name (there is a strong likelihood they were pressured into giving out your name and contact information).
2) Reason AIL is Contacting You:
They want to get into your house to sell you life insurance.
3) Method of Getting Into Your House:
Agents are trained that once you open the door they are to enter as quickly as possible, find your kitchen table, and begin moving chairs around in order to get control of the situation. Once inside Agents are taught to look for your mail in order to find out what Bank you bank with. Agents are also instructed to look at your purse or wallet when you open it to look for Bank information.
4) Truth About the Certificate Paying You Immediately:
This is Not Unique to AIL, they will tell you they are the only company in the Nation, or World (depending on the AIL office) that has this certificate. In fact other companies have this option - to be paid immediately upon death. However, you are being charged for this service as other companies similarly charge for this service.
5) Pressure Methods to Get You to Purchase:
Agents are instructed to tell clients that they must service union members first which is false. Agents will tell you that they can only see you once and they cannot come back to your house before other Union Members get their benefits - this is false as well since Agents are not restricted to go back to a house as many times as they feel necessary to get you to buy.
AGENCIES TO BE CAUTIOUS OF DUE TO COMPLAINTS (BY LOCATION)
Please Note: Earlier I had posted "more to come" indicating that I would post each offense by location. After talking with many people I have come to realize that all (every single one) AIL agencies are nearly identical in their violation with the only difference being that in different regions, and often based on economic differences, the initial fee to sign up varies from $200-$655, however I have chronicled that one area has gone from $200 to $650 in a six-month period in the last year alone. Thus, unless there are statistically significant differences the following locations have engaged in these behaviors:
(1) Settle disputes out of court between past employees in order to keep its Better Business Bureau Rating (BBB); (2) Possible drug abuse among managers and owners; (3) Managers and Owners verbally and physically harassing employees during "Departure/Exit Interviews"; (4) Lying to prospective employees about the job description, job requirements, and income potential; (5) Lying to potential customers about the nature of the product or lying to get into the customers house to sell them a product.
(1) Settle disputes out of court between past employees in order to keep its Better Business Bureau Rating (BBB); (2) Possible drug abuse among managers and owners; (3) Managers and Owners verbally and physically harassing employees during "Departure/Exit Interviews"; (4) Lying to prospective employees about the job description, job requirements, and income potential; (5) Lying to potential customers about the nature of the product or lying to get into the customers house to sell them a product.
The Public Should Be Cautious When Dealing With Agencies Located In These States:
California
Florida
Information is Currently being processed.
Michigan
Information is Currently being processed.
Minnesota
Information is Currently being processed.
North Dakota
Information is Currently being processed.
Ohio
Information is Currently being processed.
Oklahoma
Information is Currently being processed.
MORE TO COME WITH EXPLANATIONS ...
Subscribe to:
Posts (Atom)