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. Well, it is obvious the hiring and operating practices of American Income are questionable. That's ok we do not want to go to a home where we are not wanted. Is it the Local 277? Usually a $7000-$15000 whole life policy for the cost comparable to a smarter mans choice of a $500,000 20-30 year term that buys him enough time time to raise his family and protect them very well in case he dies before social security, retirement, 401K, annuities, etc. The newspaper contacted American Income Life Insurance, which is owned by the $10 billion Texas-based Torchmark Corporation, to better understand why the claim for Amy was denied. If that is the case I will cancel mine. Yes, I worked there Ricky, I told you I was presented by some of the best Liars in the industry and that is where I met them. With a 9% annual agent retention rate why bother, most are gone before you learn their names. American Income Life Scam | Complaints REVIEW: American Income Life, National Income Life dedicated to helping associates achieve their goals; feel safe confident & secure doing business with AIL & NIL, they will not allow a legitimate complaint to go unresolved. I thought we were not supposed to talk about the criminal records of those that we work with? Fort Worth TexasRip-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. I'm about to anyways just because some Lady from their company keeps calling me almost every Sunday night when I'm spending family time. ALL COMPANIES GET COMPLAINTS - HOW THE COMPANY HANDLES THOSE COMPLAINTS SEPARATES GOOD BUSINESSES FROM BAD BUSINESSES. Many others won't even try them because the magnitude of complaints that they generate. That is just a lie to get a slippery sales agent in your home to scare the he_l out of you and get you to buy more. This is not an attack towards you at all, it is just to make a point that they way the "opportunity" is presented to potential agents is just shameful. Commitment to customer satisfaction, positive rating for its customer support from Ripoff Report. It is a small world isn't it. Ripoff Report REVIEW: American Income Life / National Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program (CAP), and submit to independent investigation. Altig International & American Income Life are dedicated to helping their associates achieve their dreams, and will not allow a legitimate complaint to go unresolved. NOW, there very SHAMEFUL practices of AIL : Go do a Google*com search for term insurance and choose from hundreds if not thousands. If the member gets extra benefits we process the paperwork submit it to AIL and repeat the process all over again. The Philippines (/ f l p i n z / (); Filipino: Pilipinas), officially the Republic of the Philippines (Filipino: Republika ng Pilipinas), is an archipelagic country in Southeast Asia.It is situated in the western Pacific Ocean and consists of around 7,641 islands that are broadly categorized under three main geographical divisions from north to south: Luzon, Visayas, and Mindanao. Of those about 1/2 will set an appointment and out of that about 1/2 will understand they needs presented to them and sign on the line. The report calculated that using a wood-burning stove leads to some 750 in annual health costs from pollution per household compared to 210 for a diesel car. I want full disclosure! American Income Life Scam | Complaints REVIEW : American Income Life, National Income Life dedicated to helping associates achieve their goals; feel safe confident & secure doing business with AIL & NIL, they will not allow a legitimate complaint to go unresolved. I called your bluff. I understand by reading here I can opt to drop everything but the accident / accidental death benefit and reduce my payment to only $11.51 per month, a lot more reasonable. Sexual Orientation Sexual Orientation Disability Parent or Family Caregiver Veteran Status Want more demographic options? Buyers regret,maybe they had a professional insurance agent read the policy and translate it, maybe they just didn't trust that guy, there was something about him. About 10% of union members are foolish enough to respond to the card that borders on flat out lying. American Income Life / National Income Life join Rip-off Report Corporate Advocacy Business Remediation Customer Satisfaction Program and submit to independent investigation. So do you! They are in reality collecting na Kissimmee, Florida, AIL Insurance Company Do not buy insurance from American Income Life Insurance Company ,AIL, Waco Texas, Globe Life and Accident Ins Co Company Will Not Pay Death Claim Oklhoma, Oklahoma, SABRINA LLOYD & ASSOCIATES manipulating thief, stole $5000+ from me; tyrant, bully, threatens agents with their contracts to save herself, coward; Greenwich, Connecticut, New Dawn Industries,Inc. Get over it? Great union product? If you are implying that this kind Insurance company pays more than what the policy states I would not believe it for a minute. American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. Rip-off Report has investigated the company for many months after they contacted us to resolve any posted issues and misunderstandings. I work for American income life and am proud of the products they offer. Yourself? HOWEVER AMERICAN INCOME LIFE IS UNION AND UNDERWRITTEN THROUGH A UNION COMPANY. Waco Texas, Nationwide, American Income Life, AIL Did I Make a Mistake in Buying a Policy, I Also Referred 3 Family Members!! Solitary Dylan, AIL,NILICO, AFL-CIO, Local277. The BBB lists a complete of 227 closed complaints against the business previously four years, 90 of that have been closed within the past 12 months. These policies are legally binding and the company is compelled by law to pay out based on which type of policy you have. LOSER! I bet you have seen hundreds going through the revolving doors. Dont click on those slick Ads! If you know anything about unions you will know that their member mailing list is a closely guarded secret and that they would never give it to American Income. The bottom line - read your policy carefully - and find out the answers to the above possibilities . Consumers want to see how a business took care of business. strict standards for business conduct. http://www.ripoffreport.com/reports/ripoff134672.htm If you decide to keep the policies you still can cancel at any time in the future. Hi Richard, American Income Life Insurance | Ripoff Report Verified Safe. The posting time indicated is Arizona local time. I'm definately smelling a RAT. Read our investigative Report and American Income Life / National Income Life's commitment to 100% consumer satisfaction. We DO NOT remove reports. Find more than 109,125 complaints| Ripoff Report Ripoff Report Needs Your Help! I know of at least 3 or 4 univeristy graduates, that being just out of university, with big debts, desperate to get a job to at least eat have trusted AIL's hiring managers on how likely is to make a 6 figure income in your first year. I forgot? Research, don't trust these guys just because your union did. [1] [2] It was triggered by a large decline in US home prices after the collapse of a housing bubble, leading to mortgage delinquencies, foreclosures, and the . 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. * deception of potential clients in order to get sales 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? Ripoff Report | American Income Life TRUSTED Business | Verified businesses you can trust. 20 year term, $500,000 coverage $275.00 per year,$22.92 per month, $0.75 per day, $0.55 per 1000x500=$275 per year. The company also offers an opportunity to make money through its multilevel marketing business model. American Income Life TRUSTED Business | Ripoff Report Verified businesses you can trust. 31 2 Comments Like Comment Share American Income Life: AO 160,762. How else could we sell that much? I don't lie to my hires or my clients and would never encourage that. Including this Report below! American Income Life Scam | Complaints REVIEW: American Income Life, National Income Life dedicated to helping associates achieve their goals; feel safe confident & secure doing business with AIL & NIL, they will not allow a legitimate complaint to go unresolved. Great Neck 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. Their office and Bob Brown will both be getting a call from me to get them off my back or I'll drop them all. I wanted to make sure people heard this concern for people this year. Want to know what happens to Mr. Doe if he wants to buy $500,000 term through your company in NYS at 65 ? The document had been signed by [ ] as a SPEEA Officer, which she was not. DIG OUT YOUR LETTER THAT CAME WITH THE CARD. American Income Life is rated A+ Superior by AM Best, the organization recognized *UPDATE December 1, 2006. Waco Texas *UPDATE: American Income Life / National Income Life join Ripoff Report Corporate Advocacy Business Remediation Customer Satisfaction Program and submit to independent investigation. As an active and current member of the Rip-off Report Corporate Advocacy Business Remediation and Customer Satisfaction Program we are happy to report that now more than ever American Income Life remains committed to improving customer satisfaction.Remember, no company or individual can ever satisfy 100% of the people 100% of the time. You seem fixated on just one type I wonder if you ever worked at AIL, or if you did were you trained enough to know all the options. Have a swell day Ricky! I have over 30 different products available to present to the members ranging from 4 year term to whole life to Critical illness. Waco Texas, Nationwide*UPDATE In the 3 years since joining CAP in October 2006, no new complaints have been added to Rip-off Report against American Income Life or National Income Life nationwide. A competitor no doubt. American Income Life is truly dedicated to making sure ALL customers are happy. THANK YOU FOR YOUR TIME. ? 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. What the BBB has done to consumers for over 100 years is one of the many reasons why Ripoff Report was created. Frank, Rich can't answer you with out looking like a moron, because Jimmie's numbers are quite accurate. Jul 12, 2021 - Sales Representative in Boston, MA Recommend CEO Approval Business Outlook Pros Corporate Advocacy Program - Verified Status, How To Get Your Report Featured On All Report Pages, American Income Life Insurance | Ripoff Report Verified Safe. The point is. And yes believe it or not they will if you see the need even sell you additional accidental death benefits in case the $1000 or $2000 benefits won't pay off the house and send your kids to College. MY ADVICE TO YOU IS THIS. Rip-off Report has the evidence. Donald Shuper Retired member in Good Standing, Another Local 435 member being bothered ny NILICO on SUNDAYS Local 277, AFL-CIO, AIL. Yes, the letter was sent with the Local union office as the return address. They are just dying to meet you. 30 year term $500,000 coverage, $530 per year,$44.17 per month, $1.06 per 1000x500= $530 per year. ..let them know and let us know! Altig International, American Income Life, American Income Life Insurance Company - The Geneser-Geneser Agency, National Income Life Insurance - American Income - Local 277. Who's crazy enough to start this website? * incentives for recruiting others I hate doing all the paperwork anyways. Well since you are too scared to look them up I'll help you with NYS prices, probably identical to yours or very close, I'm not sure how the difference in the currency effects it. American Income Life insights Based on 1,511 survey responses Areas for improvement Overall satisfaction General feeling of work happiness Fair pay for job Best change of my life Supervising Agent (Current Employee) - Troy, MI - January 14, 2023 While this job isn't at all what i expected, I wouldn't change a thing. AIL 100% commitment to customer satisfaction & Affiliate. I have politely asked her 3 times not to bother us on Sunday nights. Sounds like a real union brother to me. Long Hours For Little Pay. How those businesses take care of those complaints is what separates good businesses from the rest. The David Zophin Agency & American Income Life pledge to resolve all legitimate complaints and address any issues from the past, present and in the future. American Income Life TRUSTED Business | Ripoff Report Verified businesses you can trust. What is the name of the Local 277 and where are their local union stewards in case I need help? Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. American Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. 4.Americ*n Mayflower That is the life insurance company that deals with present union workers and past ones also. so you can have an opportunity to change your own. He said most of the guys are getting these benefits as they are needed. Yeah its hard work but its not worth it. All rights reserved. I'm an employee of American Income Life based in Philadelphia, and while I'll admit I have a certain vested interest in debunking your statements, I'll do my best to be impartial. These people have to have pitty parties and use sites like this to reach out to others to try to justify everything they weren't willing to do to be suuccessful. Every company receives complaints, and with currently more than 600 associates and more than 50 offices throughout North America, the number of compl, AIL CANADA - ALTIG INTERNATIONAL DISHONEST AND RIPPED OFF BRITISH COLUMBIA British Columbia*UPDATE - Rip-off Report Investigation: Altig International has joined the Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and is committed to addressing and resolving all legitimate complaints. darnel.h@xtremex.com feedback welcome. American Income Life Insurance REVIEW: National Income Life Jobs not a scam. The latest Arizona headlines, breaking news, in-depth investigations, politics, and local community stories that matter to you. Add in the other countries for more accuracy. For more results perform a general search for "american income life insurance". Keep them all if you think it's a good deal? I currently have insurance through them, and still have the accidental benefit that pays out $200 for smaller accidents, along with whole life insurance. this program works. 1,208 Ratings. Purchased NY Life/AARP life insurance $75,000 for $195 a mo., requiring an electronic withdrawal from our bank each month. Important: Dead man tells no lies. strict standards for business conduct. Why do you other insurance companies sell 15,20,25 and 30 year terms anyways? There seems to be a lot of animosity towards AIL on this website and I can only say that it seems mainly to be because of misinformation, and lack of understanding about what we actually do. Lets call this guy John Doe and assume that John has a wife named Jane and five children, a mortgage, two car payments, and an expensive recreational vehicle so John thinks that a 500,000 term policy would be wise in case he died prematurely. They have nothing to do with the Union Secure Plan, and claim it as theirs.Lastly, the whole Union Local thing is a joke. Locally here they only sell 10 year term, not of much use to people in that age group raising a family, and try the same thing with a 45 year old male in the same condition. Rip-off Report found that All but 2 Rip-off Reports about The David Zophin Agency were posted by the same person. Don't worry about where all the ex-agents went. ALL COMPANIES GET COMPLAINTS - HOW THE COMPANY HANDLES THOSE COMPLAINTS SEPARATES GOOD BUSINESSES FROM BAD BUSINESSES. 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. -------------------------------------- Rip-off Report has the evidence that shows the same person filed every one of the Reports. American Income Life Insurance reviews & complaints 141 complaints 59 resolved 82 unresolved File a complaint Table of contents Claim listing Follow Share Complaints Profile ADVERTISIMENT American Income Life is truly dedicated to making sure their customers are satisfied and that any complaints which do arise are addressed promptly and fairly.To date, American Income Life has made good faith efforts to resolve all complaints reported on Rip-off Report. Why Ripoff Report will not release author information! Filled one out & signed it. Altig International - American Income Life are dedicated to helping their associates achieve their dreams, and will not allow a legitimate complaint to go unresolved. I bought these extra benefits about ($70.00 per month) after Bob Brown our Business Manager from the Local 435 Labors union in Rochester,NY. What a deal, or what a way to get in your door. 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. It may not be copied without the written permission of Ripoff Report. during those other 20 years nobody would sell him insurance for any price. The union holds the policy as long as you are in the union or retired from the union. Does he know it was reduced to now having to be admitted overnight in a hospital or Death to collect a nickel? Have another drink to last guy you screwed. Almost everyone gets it. Covering Phoenix, Mesa, Glendale, Scottsdale, Gilbert, the valley . Thanks Dumron. 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. If an individual or Local has an insurance program they wish to provide AFGE members, they must contact their NVP with the proposal. Has someone actually presented the options available to you or are you basing your comments on some other information? Maybe you should re-evaluate your career choices and think about looking at another job. Remember, this is for the member's and the Union's protection. Could you possibly fit them into your very busy schedule? Approve of CEO. I believe someone with a record like yours has no business throwing stones. Including this Report below! I am an actively recruiting, licensed insurance agent working with the leading company in Life, Health, and Accidental claims . It took only three days from being contacted about a position to being hired (RED FLAG). If not why not? After all your union wouldn't send a rat to your home if they knew they were a rat. They do this by following a MLM business model where members are paid commissions every time they sell insurance plans and recruit people into the company. Do you want people in solidarity to think you are a union brother like them? This rating reflects the overall rating of American Income Life: AO and is not affected by filters. The last time I asked to notify us by mail instead of phone. The interview process was very misleading. I got back $400. 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. I received a call from a Charles Byrd of American Income at my home. Lees Summit, Missouri. READ: Foreign websites steal our content. Their term insurance is even worse the "code name" for their term insurance is "INCOME PROTECTION" like their "code name" for "FUNERAL benefit" is "WHOLE LIFE". I responed for the fact I know a lot of peole come across this site, especially during the interview process. 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. Most reputable insurance companies have both types available. Ripoff Report | Complaints Reviews Scams Lawsuits Frauds Reported. American Income is a company that specializes in whole life insurance products. We look the members needs and then recommend the appropriate coverage. 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. You also seem to have a bias against whole life. If you have the hospital benefit, KEEP IT. That is wrong!!! Torchmark. Has your experience with this business or person been good? Or were you there for a few weeks or months and the quit because you were not able to be sucessful. Estimated amount consumers saved since 1997: $15,590,010,907. OK, The victims are hired as independent contractors. Ripoff Report recently discovered that All but 2 Rip-off Reports about The David Zophin Agency were posted by the same person. Gag.. what if they do not want to pay out? Consumers educating consumers., Complaints Reviews Scams Lawsuits Frauds Reported.. Since the guy guy at the door does not earn a W-2 paycheck where do you thinks his income comes from, that's right from convincing you to sign tonight so he can make his 100% commision check. Get stock market quotes, personal finance advice, company news and more. - NOTICE: *UPDATE December 1, 2006. Rip-off Report has the evidence. Now you will see how expensive the product they are selling is compared to others. They receive no salary. American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. 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. Durhon says that is being negative. 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. I believe you would not do that Richard, but some 23 year olds would to at least have the money to pay the gas to go back home after a work trip. American Income Life proves to be among the top members of the Rip-off Report Corporate Advocacy Business Remediation and Customer Satisfaction Program, as a Verified Safe Business. 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. It is founded by Harold Goodman and his nephew, Bernard Rapoport. - - NOTICE: *UPDATE December 1, 2006. Ripoff Report REVIEW: American Income Life / National Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program (CAP), and submit to independent investigation. We have ignored so many calls. Most large companies would never commit themselves like American Income Life / National Income Life has to Rip-off Report's Corporate Advocacy Business Remediation & Customer Satisfaction Program. If you are considering a position with American Income look at the position carefully, with eyes wide open. If you live in Maine or New Hampshire, you should call. American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. Unfortunately, you and I both know that not everything we read on the Internet is true. 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. you better than noone know it is not an easy job as they say it is, it is immoral to make people in that situation believe that several people make it. ALL COMPANIES GET COMPLAINTS - HOW THE COMPANY HANDLES THOSE COMPLAINTS SEPARATES GOOD BUSINESSES FROM BAD BUSINESSES. Who would you contact if you needed to file a grievance? Everyone knows a John and Jane Doe in those ages with those types of bills and children that need that much protection and only a fool would spend that much money for a $7000 whole life product because after the funeral there is nothing left but the bills, and the house and other things to sell. I've also met some reputable honest guys from bigger more honest companies that don't have to sneak into the home like a weasel pretending to drop off a free $1000 accidental death benefit that the union member already has whether or not I can fool him into believing I had to drop off his union benefits. The carrier has several decades worth of experience in the insurance industry, along with high ratings by AM Best and the BBB. It's funny to see how many of these slick talking union commision only paid Insurance agents pretending to be your union rep are driving non union cars. Most laymen would think all hospital bills look very expensive. Try a general search or read the suggestions below. I hope this has cleared up a few questions, Deceptive insurance selling to union members. American Income Life / National Income Life provides products and services through independent representatives, and has been providing benefits to families for over 50 years. American Income Life / National Income Life provides products and services through independent representatives and has been providing benefits to families for over 50 years.