American Income Life Insurance
- Thread starter Britt777
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I have 3 or 4 agents who work with me that spent a short amount of time with AIL. They turn and burn agents and use some tactics to get in the door of potential clients with a rather close to bait and switch model. That might just be the Division out here in Colorado, It's just what I have to report on from a second hand view.
I see nothing wrong with recruiting. (I do plenty of it myself) but the focus must remain on placing more policies. AIL seems to have a bit of the opposite going on.
- Staff
- #3
I've replaced their policies plenty of times. Very limited product offering...I believe its just a whole life and a term life. The rates are not very good.
They seem to specialize in folks who know nothing about insurance. Have heard from folks that they will use "bait and switch" tactics. Tells me it is more one sale and move on than building client relationships...
Also, BBB is not the place to look if you want to see how responsible an insurance company is...
Britt777, are you familiar with the different products that they offer, I have several friends that drank the kool ade with these folks. They honestly thought they were going to save the world, after they had been told by the recruiter that they would have the best product on the market for whatever ails you. It sounds like you are new to the business, you would get plenty of training on how not to market insurance. Good luck with whatever you decide to do, there are better places to pay your dues.
- 11,997
AIL is good place to start if you can't start ANYWHERE ELSE!
I have to COMPLETELY disagree. I started at AIL (NILICO in NY) and made $7k my first month by just doing what they told me to do. I know a few other guys on here have similar stories to tell. It's a great place to learn how to use a system to sell a product to an audience that usually does not get anything. If you want to get GREAT training, no direct cost on the leads (reduced commission), work with a group of folks that help you stay focused, and get in front of enough people to be able to learn how to pitch then AIL is PERFECT! It's also a great place to find out if you like selling insurance or not. If you start off on your own with "high contracts" you'll end up wasting money on leads you don't know how to pitch to and getting 110% of almost nothing. If you start with AIL and you get to pitch 10-20 times/week you'll end up getting something. Not all AIL offices are run well, but if there are folks in an office that are writing AND sticking to the pitch, that's a great place to start. If after a few years it doesn't work for you, then go indy or go get a real job.
Same as everywhere else management plays an important part. The guy who ran our office was a sleaze ball.
- 11,997
It sounds like he wasn't even a good sleazeball. My manager and the guy above him (top guy for the state) were both assholes, but they were assholes that trained me better than I imagine anyone else could have.
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