- 2,103
I was actually kind of surprised at the amount of positive things in this thread- about AIL.
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American Income Life Insurance
- Thread starter Britt777
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You may want to explore this; Maybe the problem with the dozens of companies you've tried is that you bring YOU there. You're the problem.
Fix you and you can build a career, don't fix you and you'll be bumping threads for decades to come.
The truth is a good agent can really make money anywhere.
Sorry to be the one, but it needs to be said.
- 2,103
No, you have a great point. Trust me, I am not offended at all. I know about me, I know all my limitations. I am humble, I know I screw up. I know a lot of things. I do some strange, strange things. I have lead a strange life- but haven't we all? I have my stories, but I cannot tell them. But, with all that said... I am convinced I need to press on to find the perfect career shop that I like. You will not discourage me. However, I am also convinced that some of the guys I left behind, were complete a-holes and morons. A few of them went to jail, lost their licenses, were criminals, and are no longer to be found-if that will tell you something. A lot of them were bad, not all. I have met some great guys in the business.
No, I shall press on, but I appreciate your input.
Everything happens for a reason. Fate.
HomeService, good for you, great attitude! You could have easily gotten offended. You are correct, lots of losers, crooks, jerks in this business.. Just decide what line of this business you love the most and be the best in the business at it, and you will have a career for as long as you are interested in working.
I answered an ad for a "Customer Service Manager" (THIS IS AN OUTRIGHT LIE) only to find out there is no such position. They're looking for agents and if you sell, sell, sell, you can get promoted.
AIL sells supplemental/gap life and other products aimed at working folks---union members, but not exclusively.
They have a sales pitch---the HOUR POWER philosophy. You should take one hour of your pay per week and buy insurance. If you make $15.00 per hour, times 52 weeks, the premium is $780.00, or $65.00 per month. Trouble is...the only folks I've seen thus far are way short on income, live paycheck to paycheck, and I feel terrible these folks are buying---though they may really need the coverage. Most folks I've seen only make like $9.00 to $12.00 per hour. These folks, especially, just don't have an extra $39.00 to $52.00 per month to buy insurance with.
The leads are terrible! You need to see 30 to 35 folks per week to sell maybe 10 policies. All presentation is done by hand!!! By hand, mind you, on poorly [sometimes] photocopied forms. NO COMPUTERS. They have computer presentations which remain undeployed that reportedly raise closing ratios from 30/35% to 50%. So why not deploy???
Commissions are fast and generous. Bonuses are as well.
At the recruiting meeting I was told we would only be working from 2PM through 9PM, four days per week, Tuesday through Friday. THIS IS AN OUTRIGHT LIE! Agent Trainees are expected to work 12 to 14 hours per day, without pay, during training. Mondays are for meetings at the office and calling leads. Agents also work Saturdays.
The office politics are crazy!
I like the idea of selling insurance. I just wish the ad I answered wasn't a lie, the recruiting speech wasn't packed full of lies, the leads system were better and...how about those computers???
If things don't improve this coming week, I'm out.
AIL sells supplemental/gap life and other products aimed at working folks---union members, but not exclusively.
They have a sales pitch---the HOUR POWER philosophy. You should take one hour of your pay per week and buy insurance. If you make $15.00 per hour, times 52 weeks, the premium is $780.00, or $65.00 per month. Trouble is...the only folks I've seen thus far are way short on income, live paycheck to paycheck, and I feel terrible these folks are buying---though they may really need the coverage. Most folks I've seen only make like $9.00 to $12.00 per hour. These folks, especially, just don't have an extra $39.00 to $52.00 per month to buy insurance with.
The leads are terrible! You need to see 30 to 35 folks per week to sell maybe 10 policies. All presentation is done by hand!!! By hand, mind you, on poorly [sometimes] photocopied forms. NO COMPUTERS. They have computer presentations which remain undeployed that reportedly raise closing ratios from 30/35% to 50%. So why not deploy???
Commissions are fast and generous. Bonuses are as well.
At the recruiting meeting I was told we would only be working from 2PM through 9PM, four days per week, Tuesday through Friday. THIS IS AN OUTRIGHT LIE! Agent Trainees are expected to work 12 to 14 hours per day, without pay, during training. Mondays are for meetings at the office and calling leads. Agents also work Saturdays.
The office politics are crazy!
I like the idea of selling insurance. I just wish the ad I answered wasn't a lie, the recruiting speech wasn't packed full of lies, the leads system were better and...how about those computers???
If things don't improve this coming week, I'm out.
- 15,041
I won't comment on AIL, but sales is not for you.
I don't care how many hours you work, the only way you get paid in sales is to... sell! It doesn't matter how many hours you work to get one sale, one hour or eighty, you get paid the same.
Also, in face to face sales, no one cares about computer presentations. Yes, photocopies is bad, get original material from the insurance carrier. That said, don't go overboard with sales material. It just gets in the way, sell the concept, the product will follow.
- 11,997
Not for nothing, but 30-35 presentations with a 30% close rate is actually pretty good. If those are the real numbers and you feel like you're getting screwed, then I have to agree that sales is not for you. Like I said before, I made money when I was there and I have no ill feelings about it.
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