Oh, by the way Torchmark, the company that owns American and National Income the guys you signed a 1099 non employee contract with made about $100 million dollars in profits last year. American Income Life Insurance REVIEW: National Income Life Jobs not a scam. |. You are spending entirely too much time dwelling on your past failures, and are choosing to blame them on someone else. Corporate Advocacy Program - Verified Status, How To Get Your Report Featured On All Report Pages, American Income Life Insurance | Ripoff Report Verified Safe. They have been around since 1951 and are based in Texas. Do you know the name of your union steward or union president of the local 277 that you pay dues to? Do you see my point? Rip-off Report has the evidence. Research, don't trust these guys just because your union did. TrustedChoice.com's Final Review. Could you possibly fit them into your very busy schedule? A funeral benefit of coarse, if you died of cancer or a heart attack the no cost accidental death benefit is worthless! Look up your rate chart and tell me what a 35 year old male in excellent condition and weight would pay for a 20 or 30 year term, with a $500,000 face value = enough to pay off the house and send the kids to school, car notes, credit cards, etc. I encourage all members do the same and ask detailed questions like, Do I have to have an enrollment officer (1099 contract Sales Agent) drop off my benefits and witness my signature? If at any time Mr. Doe got cancer, heart problems, kidney, diabetes, etc. Now everyone knows that NILICO hires ex-cons due to your big mouth. He also promised nobody would bother us again since we had the full family package there was nothing else they could add. You can drop the funeral benefit and the income protection, save a bundle and keep the part of value to most families for $11.51 per month or $135.08 per year. I was the youngest agent there. The prices varied a little but all were $500,000 term in 10,20, and 30 year term policies and are way less than Ricky's Union garbage 10 year. 3.William P*nn why would you only sell a 10,000 dollar whole life insurance to a 35 year old with a mortgage and 3 kids that will be going to college??? It is the way you were trained to think by the company that does not employ you.Your own views are the same as all the agents they fooled into believing what you do. A competitor no doubt. American Income Life, AIL, Altig International RIPOFF, PYRAMID SCHEME WASTE OF TIME Burnaby British Columbia*UPDATE - Rip-off Report REVIEW: Altig International has joined the Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and a Rip-off Report independent investigation. Ripoff Report will go after anyone found posting Reports like this. American Income Life Insurance is a company that provides complete life insurance coverage to its members. - NOTICE: *UPDATE December 1, 2006. Say we owe over $22,000.00 for the rest of their so called contract !!!!!! Your only vested interest is making your paycheck from commision only. during those other 20 years nobody would sell him insurance for any price. This report was posted on Ripoff Report on 12/20/2002 12:43 AM and is a permanent record located here: Including this Report below! They typically focus on whole life policies. Obviously he had a quota to meet and did not care if he wasted my time and gas. Did they earn a profit of about $100 million last year off of unsuspecting union members who had no idea that the real purpose of coming to the union members home was to sell two or more policies, disguised as one with little to no value on the most expensive part of what they are selling? Celebrity Skin Cream wrinkle cream rip-off advertisements US Based and Foreign companies bilked consumers out of Hundreds of Millions of dollars over the past 7 years. Hi Richard, Rip-off Report independent investigation showas that the Altig International insurance sales process and the American Income Life insurance products they sell are 100% leg. Corporate Advocacy Program - Verified Status, How To Get Your Report Featured On All Report Pages. I have repeatedly requested documents regarding the initial policy started in March 2000, and a SPEEA numbered memo 03-058 regarding the AIL arrangements with SPEEA, and /or any document showing a waiver of premiums, or specific authorization for [ ] to sign. Beware ! Waco Texas, Nationwide, American Income Life Cancelled Interview ripoff San Diego CaliforniaRip-off Report Investigation: American Income Life / National Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and submit to independent investigation. Dont click on those slick Ads! American Income Life TRUSTED Business | Verified businesses you can trust. The victims are hired as independent contractors. You know but through all my doubt at the company the best thing that happened to me is I became an insurance agent with unlimited potential to create a wealth of opprotunity for myself. AIL American Income Life Lied blatantly to coerce me into MLM scam Woburn Massachusetts, AIL Insurance Company Do not buy insurance from American Income Life Insurance Company ,AIL, Waco Texas, American Income Life AIL American Income David Zophin Agency deceptive dishonest scam mlm pyrimid scheme Middletown Connecticut *UPDATE - Ripoff Report REVIEW: The David Zophin Agency & American Income Life has joined the Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program; The David Zophin Agency hiring practices, 100% legitimate, honest and selective, typically resulting in less than 10% of interviewed candidates being chosen to be company associates.. NOTICE: *UPDATE December 1, 2006. A very small fraction will. 1983. They all have the benefit whether you or any other 100% commisioned insurance salesman sees them. He can't buy it for any amount of money because your chances are too great that you may die and if you did they would have to pay a claim. And if it is NOT in writing - it doesn't exist- meaning If you get a phone answer - write it down - make a copy- mail it to yourself - and then follow up with whomever in writing and be sure you get a written answer on appropriate letterhead. North Carolina (/ k r l a n / ()) is a state in the Southeastern region of the United States.The state is the 28th largest and 9th-most populous of the United States.It is bordered by Virginia to the north, the Atlantic Ocean to the east, Georgia and South Carolina to the south, and Tennessee to the west. It is not even presented as a 10 year term product, but as a Family Care Plan. Did my Union official know that they won't sell one policy without the other but yet after buying both I can chose later to cancel the expensive one and keep the more valuable one. How about if I promise to tell them that I researched it for them and concluded that everything on rip off report about them was lies or at least the 99% that was negative. Almost everyone gets it. A Rip-off Report independent review has shown that the The David Zophin Agency & American Income Life insurance sales process and products they sell are 100% legitimate - to be expected in a federal, state and provincial regulated industry. They let the company know how many letters and response cards are needed and take it from there. It takes money from my household income when the unions find new ways to work deals with insurance companies that leave me paying an extra $70.00 per month for more coverage but ending up with less. Rip-off Report recently discovered that All but 2 Rip-off Reports about The David Zophin Agency were posted by the same person. Are you licenced to sell variable insurance products through AIL? How those businesses take care of those complaints is what separates good businesses from the rest. Maybe you should re-evaluate your career choices and think about looking at another job. What could these great important benefits include? ALL COMPANIES GET COMPLAINTS, BUT HOW THE COMPANY HANDLES THOSE COMPLAINTS, SEPARATES GOOD BUSINESS FROM BAD BUSINESS*UPDATE - Rip-off Report REVIEW: Altig International has joined the Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program, committed to addressing & resolving all legitimate complaints. Read our investigative Report and American Income Life / National Income Life's commitment to 100% consumer satisfaction. ALL COMPANIES GET COMPLAINTS, BUT HOW THE COMPANY HANDLES THOSE COMPLAINTS, SEPARATES GOOD BUSINESS FROM BAD BUSINESSRip-off Report Investigation: American Income Life / National Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and submit to independent investigation. Consumers love to do business with someone that can admit mistakes and state how they made improvements. What I said was a customer like John and Jane Doe would be much smarter buying a 20 or 30 year $500,000 term policy for about the price of a $7,000- $15,000 of your expensive whole life policy through your company. Commitment to customer satisfaction, positive rating for its customer support from Ripoff Report. Now if you could stop avoiding the question and answer it I would be happy and the readers would learn some facts rather than your smooth talking answers to questions that were not asked. American Income Life TRUSTED Business | Ripoff Report Verifiedbusinesses you can trust: Feel safe confident & secure doing business with American Income Life / National Income Life - AIL pledges its commitment to customer satisfaction and Affiliate support. *UPDATE : American Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and submit to independent investigation. Now you will see how expensive the product they are selling is compared to others. Waco Texas, Nationwide, Zophin Agency ripoff Warwick Rhode Island *UPDATE - Rip-off Report REVIEW: The David Zophin Agency & American Income Life has joined the Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and is committed to addressing and resolving all legitimate complaints. I joined the company not as a starry eyed youngster who was sold a good story, but as a veteren in business with 20 years experience. Without explanation, SPEEA continues to refuse and ignore my requests and continues to answer with provably false and misleading statements. AIL Northeast, David Zophin Agency ripoff - ruining more lives for his own financial gain Warwick Rhode Island*UPDATE - Rip-off Report REVIEW: The David Zophin Agency & American Income Life has joined the Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program - NOTICE: *UPDATE December 1, 2006. In all honesty, I personally, found none. Waco Texas, Nationwide. It always come down to the same thing for people like "Joel," they are never willing to look themselves in the mirror and take full responsibility for their own actions. You can find out more about this scam, which strongly resembles the practices of MLMs (multi-level or network marketing organizations), at http://www.armydiller.com/financial-scam , including what to do if you've been "had". They are coming to my home next week. American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. So do you! NO, there is not.Next you say you have seen the pay outs. Maybe you are even working for an insurance company that advises to buy term and invest the rest. * misrepresentation income, benefits, job duties, and advancement opportunities I am curious if the above poster (Dee in Appleton, Maine) is still with AIL. American Income Life Engaged Employer Overview 4.4K Reviews 5 Jobs 1.6K Salaries 1.8K Interviews 709 Benefits 92 Photos 720 Diversity + Add a Review Employee Review See All Reviews ( 4413) 1.0 Former Employee, less than 1 year SCAM! The company also offers an opportunity to make money through its multilevel marketing business model. We have a number of term benefits available ranging from 4 years, all the way to term-to-100. American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. Keep in mind they may claim they offer over 8 Billion dollars in accidental death benefits but we all know most people don't die accidently and there are several other exclusions listed on that no cost accidental death benefit. Hiding negative complaints is only a Band-Aid. Either way if you quit they still win the money goes towards their $100 million in profits. American Income Life / National Income Life provides products and services through independent representatives, and has been providing benefits to families for over 50 years. These rules are in place to protect Locals and our members from unscrupulous insurance representatives who misrepresent themselves. You either notify your union or American Income or National Income. American Income Life Insurance review: fraud & cheating! That's ok we do not want to go to a home where we are not wanted. Although the plaintiff requested a refund, American Income Life Insurance Company has failed to recoup any of the withdrawals made from the woman's checking account, the suit alleges. Feel safe, confident & secure doing business with American Income Life excellent business opportunity. At present time, my company is processing a claim to her as though he had spoken with me and signed for the benefit (which, regrettably, he never had a chance to do.) Why do you think I left. I have over 30 different products available to present to the members ranging from 4 year term to whole life to Critical illness. ? It sounds like GAY Mike is trying to take credit for being HA HA, if so big deal failure at career #2, he couln't teach either. It is already in place and if you don't sign your beneficiary up in front of them it gets paid out to your estate. What kind of Union benefits do the union sales agents get? Your story sounds good but is not close to reality. The NEC approves insurance programs from a particular company, and that company may not market other plans sold by that company. ALL COMPANIES GET COMPLAINTS, BUT HOW THE COMPANY HANDLES THOSE COMPLAINTS, SEPARATES GOOD BUSINESSES FROM BAD BUSINESSES *UPDATE - Rip-off Report Investigation: Altig International has joined the Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and a Rip-off Report independent investigation. Not the deal I thought it was. Pie in the sky crap or legit employment opportunity ? It is simple to do. Ripoff Report recently discovered that All but 2 Rip-off Reports about The David Zophin Agency were posted by the same person. Can you sell mutual funds through AIL? And oh by the way, look at these great benefits I have here in my bag, your union sent me so they must be a great deal. they cannot deliver what they say an insane amount of money Pittsburgh Pennsylvania, Attorney Sharon K. Campbell COLLUDES with Wells Fargo Dallas Texas, BlackSwanCapital.co Black Swan Enterprises Peter Tumbas Black Swan Capital The offered guaranteed low-cost financing if I first stepped in high-cost short term financing New York New York, Geeks Ondemand LLC, Lizeth Lagomarcino Papaleo Geeks Ondemand LLC, The Geeks Mob SCAM! Company website run by crooks outside USA pretending to be in USA to get USA money taking your hard-earned dollars funneling it to the country of Peru, Better Business Bureau of South Florida BBB of South Florida Andre Amaro and the BBB of South Florida are harassing me and my small business! Altig International, AIL, Torchmark ripoff misleading information confabulation Edmonton Alberta Canada*UPDATE - Rip-off Report Investigation: Altig International has joined the Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and a Rip-off Report independent investigation - After speaking with executives from Altig International, it is clear that they are dedicated to helping their associates achieve their dreams, and will not allow a legitimate complaint to go unresolved. Why Ripoff Report will not release author information! It may not be copied without the written permission of Ripoff Report. Lets use the $2000 figure to be nice and divide your $1.5 million by $2000 per accidently dead union member and you will see a figure of 750 dead union members approximately. The website warns of long wait times. I was immediately suspicious for two reasons: he called from a cell phone and started asking questions about my child. Or is that for the real insurance companies? If the member gets extra benefits we process the paperwork submit it to AIL and repeat the process all over again. American Income Life / National Income Life www.ailife.com and also www.WorkAtAIL.com provides life insurance and supplemental benefits to members of labor unions, credit unions, associations, as well as private clients in all 50 states, the District of Columbia, Canada, and New Zealand.See why you should feel secure and confident when doing business with American Income Life / National Income Life Read about Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program,..A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business. How far do you think that $2000 will go? All rights reserved. Read our investigative Report and American Income Life / National Income Life's commitment to 100% consumer satisfaction.American Income Life / National Income Life provides products and services through independent representatives, and has been providing benefits to families for over 50 years. Dylan, You have a serious flaw in your way of thinking. American Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. I work for American income life and am proud of the products they offer. American Income Life / National Income Life provides products and services through independent representatives, and has been providing benefits to families for over 50 years. Waco Texas, Nationwide, American Income Life ripoff reaches NC Swananoa North CarolinaRip-off Report Investigation: American Income Life / National Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and submit to independent investigation. Pie in the sky crap or legit employment opportunity ? According to the complaint, American Income has run afoul of the federal Electronic Funds Transfer Act (ETA) and California's Unfair Competition Law by . If that is the case I will cancel mine. I have an appointment to see Bob Brown next week and if this is not resolved quickly I will be writing to the NYS Insurance department and I have some other similar claims. This rating reflects the overall rating of American Income Life: AO and is not affected by filters. Consumers can feel safe, confident and secure doing business with American Income Life / National Income Life an excellent business opportunity for people who like people and like to make money New York Reason For Parent Company New YorkRip-off Report Investigation: American Income Life / National Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and submit to independent investigation. He will be there long after you are gone. Don't worry about the president from some other union who got tricked into signing a letter for his Local, he probably thought he was doing a good thing when he was misled. Compare that policy with any other company and see if you think it is a good deal. that said, I have to post these comments regarding my own experience: I have found the highest degree of integrity and professionalism within my office and the people I work with. ALL COMPANIES GET COMPLAINTS - HOW THE COMPANY HANDLES THOSE COMPLAINTS SEPARATES GOOD BUSINESSES FROM BAD BUSINESSES. All that Math confuse you Ricky? I personally enjoy my job very much because I am earning a good living and am helping people at the same time. Estimated amount consumers saved since 1997: $15,590,010,907. What a deal Ricky! You want to talk about bad practices? Feel safe, confident & secure doing business with American Income Life excellent business opportunity. I work out of an office in Maine, and perhaps, like most large companies, different offices reflect different leadership. American Income Insurance / Torchmark Corporation. I thought we were not supposed to talk about the criminal records of those that we work with? What is the name of the Local 277 and where are their local union stewards in case I need help? Every company receives complaints, and with currently more than 600 associates and more than 50 offices throughout North America, the number of complaints Altig International has re. If I can't make it as a manager I might make it as a MGA after I help get rid of you like I did with Mark R. Ripoff Report | American Income Life TRUSTED Business | Verified businesses you can trust. Later my wife was packing food for the slick talking insurance salesman using the name of my local 435 to get in the door. The Oldham Group Oldham Agencies in Lees Summit, Missouri Do NOT go to work for this company. Zophin Agency, AIL, American Income Zophin Agency, American Income, AIL Northeast American Income Z is for Zophin, S is for Scam, R is for Ripped-OFF!!! Their idea of important and mine are miles apart. No wonder they all wonder what their dues go for.So, just from those lies, I know to stay far away from this company.Greg Omaha, NebraskaU.S.A.Click here to read other Rip Off Reports on American Income Life Insurance, This report was posted on Ripoff Report on 03/11/2005 09:14 PM and is a permanent record located here: Rip-off Report independent investigation showas that the Altig International insurance sales process and the American Income Life insurance products they sell are 100% leg Insurance Companies: Altig International, American Income Life Burnaby, British Columbia Author: Vancouver, British Columbia 13, Report #38805 Jan 17 2012 07:45 AM American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. $8.58 per thousand times 500 equals only $4,290 per year, only $357.50 per month or only $11.75 per day. Who is ED Magedson - Founder, Ripoff Report. In addition, American Income Life is rated A+ Superior by AM Best, the organization recognized by th, American Income Life ripoff St. Louis MissouriRip-off Report Investigation: American Income Life / National Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and submit to independent investigation. Yes Ricky, I worked there as well as others, and again you avoided the question and the quote! The last time I asked to notify us by mail instead of phone. Waco Texas, Nationwide, American Income Life Bill Heath Agency misleading hiring practices dishonest sales indifferent management Jeffersonville IndianaRip-off Report Investigation: American Income Life / National Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and submit to independent investigation. Did you mean Solitary? And when people cancel you owe the company what little you made back. On January 7, 2021, a California federal district court granted final approval to a $5.75 million dollar class action settlement on behalf of American Income Life ("AIL") agents who were improperly compensated for the hours they worked and trained. They are not eligible for Union representation. She mentioned 8 people leaving since she started. However, by participating in the Corporate Advocacy Program, the member business has made a commitment to working with its customers to resolve complaints quickly and fairly whenever possible.Please keep in mind that as a consumer you have some responsibilities as well. American Income Life dedicated to helping associates achieve their dreams. One of the reasons why Insurance agents are licenced is because we have to learn all the different products avialable and what suits each member's needs. Consumers can feel safe, confident and secure doing business with American Income Life / National Income Life an excellent business opportunity for people who like people and like to make money New York Reason For Parent Company New YorkRip-off Report Investigation: American Income Life / National Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and submit to independent investigation. If you decide to keep the policies you still can cancel at any time in the future. This insurance, as the name implies, will cover you for the rest of your life, regardless of your age. American Income Life is truly dedicated to making sure ALL customers are happy. When we do go to the home our job is to deliver the benefits and explain the options. Who is ED Magedson - Founder, Ripoff Report. They hire their competitors from Combin*d Life to go around and illegally replace those policies. Like the others, you were too scared to put up the numbers so I did for you and now that I did I see you shut up. His name is Bob Brown the Business Manager a great guy who thought he was doing a good thing for his Local. We DO NOT remove reports. Real estate news with posts on buying homes, celebrity real estate, unique houses, selling homes, and real estate advice from realtor.com. The moral of the story, never trust an insurance salesman not even if the union was duped into sending them to your home. But what about the insurance itself? During my very long journey I have witnessed first hand and have met thousands of people who have had their lives changed by this great company in many positive ways. Including this Report below! Ripoff Marietta GeorgiaRip-off Report Investigation: American Income Life / National Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and submit to independent investigation. 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