I'm contracted with Gerber through them. I think most agents who sell Gerber are, though they probably don't know it. AmeriLife Product Development was responsible for getting it on the market, so most of the marketing was done by AmeriLife National. Since they have many Marketing agencies under that umbrella, they covered the nation.... FMOs that re-package the product don't go into much detail about who their upline is. That is why most agents just don't realize how they are tied to AmeriLife.
Anyone Work for Ameri-life?
- Thread starter Philly
- Start date
I'm contracted with Gerber through them. I think most agents who sell Gerber are, though they probably don't know it. AmeriLife Product Development was responsible for getting it on the market, so most of the marketing was done by AmeriLife National. Since they have many Marketing agencies under that umbrella, they covered the nation.... FMOs that re-package the product don't go into much detail about who their upline is. That is why most agents just don't realize how they are tied to AmeriLife.
Perhaps you did not read any of my posts about AmeriLife, or just decided to ignore them. What part of AmeriLife are you talking about?
If you are an independent agent contracted direct with the carrier through the National Agency, your commissions will most likely be "as earned". If you choose to go through an FMO, they may pay advances, but that FMO will collect any interest specified in your contract with that FMO. That FMO may have a contract with AmeriLife National prescribing an interest charge on advances, then again, maybe not. It depends on who is funding the advances and how they choose to do business.
If you are contracted with the Career Agency, you are an employee, and subject to the terms of your agency contract.
Painting with a broad brush as you did in your post does not help anyone understand what warning we should take, because it does not apply to every situation.
I stayed out of this thread until now because trying to define AmeriLife has been like nailing Jello to the wall. I think I have resolved it with a little research, and I may be wrong, but here's my 2 cents (with tax $2.95):
AmeriLife Group, LLC consists of---
> AmeriLife Career Agencies: 57 Offices Nationwide and over 1200 agents who WORK for them (employees).
> AmeriLife National Agency: 9 National Marketing Companies, over 130,000 independent agents contracted (1099, NOT employees).
> AmeriLife First Financial, LLC: 0ver 85 Offices (2008) and growing.
> AmeriLife Product Development: 4 Product Development companies, 33 Proprietary Products (2008) and growing... (you may have one of them and not know it - Gerber, for example)
> AmeriLife Insurance Administrator, LLC: TPA... (you may have been processed through them (licensing, appointment, etc) for another agency or carrier and not known it)
> AmeriLife Finance Company: A money source for AmeriLife Group, LLC
> and finally, AmeriPlus Network Services, LLC, a Health Provider Network.
Under the National Agency, they have gobbled up a number of large agencies. (e.g. Precision Senior Marketing, Precision Insurance Partners, etc.) So you may have a contract with PSM, but it is ultimately an AmeriLife contract and so forth and so on.
To proceed on with this thread, I would ask that comments be focused on which part of AmeriLife Group you are complaining about.... it would do more to identify the problem area than just accusing every division when, in fact, only one area is the problem. Anyone who has ever worked for a large conglomerate will tell you that there is always a nest of snakes somewhere, but it doesn't do any good to strike out at the parent company when the nest is hiding under one cover and not the other. The difference is often with middle management in one branch...
My issues are regarding the Career Agency part of the company. It has caused significant grief for agents who worked in an office that was closed by Amerilife. We did a tremendous amount of business and received all sorts of awards, but somehow Amerilife determined that our agency wasn't making them money. When closing the office, we found out that they had Vectored the agents even before announcing that they were going to close. They never gave us official notification of the closing nor did they offer assistance to us to move on. Instead, we were hit with Promissory Notes for outrageous amounts of $. Now, they have all of the renewals and we can't work, which makes it extremely difficult to pay back what might REALLY be owed when all is said and done. It has caused enormous damage for many of us...one person lost his home and another is in danger of losing hers. What is the most stable way to work for Amerilife and receive the most commissions, for med supps let's say, and hopefully be paid promptly and correctly?
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I would like to thank retread for clarifying the different parts of Amerilife. I had no idea of all of the different parts.
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I had to become a member of this forum to clarify a few things concerning amerilife. Retread your facts are not all correct in your assessment of amerilife. For 1 the career agency is captive/independent not employee even though they behave like the agents are. AMERILIFE > there are no seperate parts all one and the same. Started by gary raymond boesch look him up in google . amerilife was bought about 2 years ago by black diamond capital in late 2007. gary made about 200mil on the sale. he was stripped of his florida license for cheating seniors google it. univerasal american even owns/owned a part of it.
this company was family owned until gary had to by law distance himself from the business that why he is not in any of their publications
there is a lot more however the culture at amerilife will not change. they are all one regardless of how many different names you hear the all answer to tim north. trust me when i say there is ALOT more. all the comments from ex agents could be wrong but you be the judge based on the facts.
this company was family owned until gary had to by law distance himself from the business that why he is not in any of their publications
there is a lot more however the culture at amerilife will not change. they are all one regardless of how many different names you hear the all answer to tim north. trust me when i say there is ALOT more. all the comments from ex agents could be wrong but you be the judge based on the facts.
MoneyMan
Expert
- 23
Beware...amerilie is a trap
The hiring process is like a revolving door and they hope to have agents write business then leave before 24 months so they can keep the renewals.
They feed off of the existing clients and are constantly rolling business.
They treat agents like employees but contract them as independents to avoid the IRS.
There must be a better captive agency to work for ...
stay away from the Titantic "SS AMLIE", it is soon to SINK
Take a look "in detail" at the people who pull the strings, what a joke. Search some background on the executive group and you will be shocked.
For all of you weak agents who stay, watch out for the puppet master, he will never cut you loose!
The hiring process is like a revolving door and they hope to have agents write business then leave before 24 months so they can keep the renewals.
They feed off of the existing clients and are constantly rolling business.
They treat agents like employees but contract them as independents to avoid the IRS.
There must be a better captive agency to work for ...
stay away from the Titantic "SS AMLIE", it is soon to SINK
Take a look "in detail" at the people who pull the strings, what a joke. Search some background on the executive group and you will be shocked.
For all of you weak agents who stay, watch out for the puppet master, he will never cut you loose!
G
Guest
Guest
I have been away from this toxic company for awhile, however I hear from agents who I remain close to and are still involved. They are bidding their time..currently a lot of "churning" is going on as it is not team endeavor but dog eat dog and sanctioned by management, I would entertain in seeing how we can curtail some of their unethical practices that are currently in play. The public is entitled to fair practices and ethical standards from agents no matter what company..this company comes to light because it is ongoing and abusive therefore undermining the industry as a whole with shoddy practices leaving the consumer with even a more bad taste in their mouth about agents. I believe they may already be under investigation.
They rely heavily on their attorneys to come up with ways to cover their butt while they churn the heck out of their customers every medicare advantage season not to mention how they abuse the fact that agents dont have the resources or money to fight back as they use fine print to take chunks of the agents commissions (they take a month off the top of annual premium plus interest for mandatory advance), also they take on the back end fees for office space (chair and desk, what a joke), almost $900 a year e&o insurance that they make you purchase through them even though you are supposed to be independently contracted and exuberant interest charges and miscellaneous fees that adds up on top of the advances fees to keep you behind the 8ball. Right now they are trying to corner the senior market with a network of companies and they bully the insurance companies to do it their way while they contract every agent they have with companies you never even write to just look good and to bargain with other companies. They should be investigated for their practices toward their agents past and present and more importantly the customers who trust them. Its the right thing to do. Also they plan to become a publicly traded company in the near future so look for the madness to get worse.
landandseadog
Expert
Rumor has it that the original owner is so upset with the way these new owners are running things, that he is thinking of buying it back!!! I would never go back to work for this company, but this might be good news for those who still work there. Thank God I got appointed with many companies before they vectored me. I am now waiting to here from them to show me written proof that I owe them money. Well it's been 2 weeks and no word. last conversation with them I told them I would be more then happy to pay them the money they say I owe if they could show me proof that I do indeed owe that money and I want a total release. I guess thats why I haven't heard from them,,,they can't produce any proof !!!
Okay, I'm checking to see where this is posted. I am trying to respond to someone's comment, but I'm not quite sure how to reference them. Help!!!::
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Well, that worked okay, so here goes...
Am I missing something here? It seems to me that the agencies, FMO's & insurance companies would want to keep their agents happy. The way to do that is to pay them fair commissions & treat them with respect. Their agents would continue to generate $ for them by bringing in more new business and not switching. It seems that they would make more $ that way than by cheating us. What am I missing? I know that when I treated my employees with respect and paid them fairly, they would go out of their way to help meet deadlines if they needed to without complaining. Why would it be to a company's advantage to not have agents any more? That's where it seems the writing on the wall is.
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Well, that worked okay, so here goes...
Am I missing something here? It seems to me that the agencies, FMO's & insurance companies would want to keep their agents happy. The way to do that is to pay them fair commissions & treat them with respect. Their agents would continue to generate $ for them by bringing in more new business and not switching. It seems that they would make more $ that way than by cheating us. What am I missing? I know that when I treated my employees with respect and paid them fairly, they would go out of their way to help meet deadlines if they needed to without complaining. Why would it be to a company's advantage to not have agents any more? That's where it seems the writing on the wall is.
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