Anyone Work for Ameri-life?

[AngelBand]

Longtimer, I shared a quote from another poster on another forum about AmeriLife that I think is relevant to this discussion/thread. Sorry to offend you, sir.

This thread has countless posts from Insurance Professionals who are stuck with contracts that they cannot get out of because they did not read the fine, fine print in AmeriLife's "Blues".

Their mistake, yes, read what you sign but what new agent will sign a contract with the intent to leave? Not many, especially if you have some pig in a tuxedo selling them on Amerilife's glories/BS.

Seasoned agents will and do and that is the point of these forums- to help one another- again, sorry to offend you Longtimeagent. I am in the business for 25 years this year, it is a wonderful career if you work hard and honestly. Hence, my screen name, I have a band of angels I have to report to at the end of the day.

Hotel California is a perfect soundtrack for this thread.

BTW, are you an AmeriLife agent?

 

[Guest]

I agree.....!!!!!!!!!!!Stay away from Amerilies...

 

[AngelBand]

Looks like the mods took down Longtimeagent's comment towards my post. He uses language that AmeriLife managers use on a daily basis and is not professional.

And now that February is upon us, agents will not be seeing their comissions until their mandatory "Steak and Beans" shindig. They serve the top offices steak and low performing offices hot dogs- nice, huh? Then they give out 'renewal checks" which are higher than normal because they hold comissions for weeks prior to bolster the numbers for the Insurance Company execs who they are trying to impress.

FYI.

 

[AMERILIFE X]

I'm an Ex Senior Amerilife agent, the positive feedback you're viewing is from Management, it is extremely unlikely of making money, the lifeblood of the organization is new employees buying their "bogus" leads, buying their jacket, their mandatory overpriced E & O insurance. Senior agents, are laughing at you behind your back, lip service to your face. they've been in the business for 32 years, but why do you think all the agents have been there less than a year? With the exception of numerous agents that have an older employment agreement, that is twice as lucrative.(blue contract they make both you and your wife sign)
Honestly the reason I'm writing this is because the quit paying my renewals, as they did with every other ex agent I know, they can afford lawyers, the people they make promises to can't

 

[AngelBand]

AMERILIFEX, welcome and thank you for joining the forums and posting on this thread.

As you may have seen, those AmeriLies managers positive posts have attacked the other posters with name calling.

In my opinion, anyone who is willing to work for 100% comissions is anything but lazy and the new agents we refer to aren't kids, they are husbands and fathers and contractors, ex mortgage brokers and from every other profession that took a hit in this ecomomy.

"Recession proof" is the recruiting term that they frequetly used in interviews- promising elated comissions when in reality you'll be driving bl and gms around in your car, using your gas and paying 50% for seminars and for all of the supplies that AMERILIFEX mentioned- including mandatory photo business cards. Naturally, they have an Amerilife photographer and printing shop that you must use and pay for.

Thanks again to the OP- your thread has saved many families from getting trapped in the world of AmeriLife and Health Services.

 

[mipalj]

I used to work for them and I say run away, they are a very unethical company. A current customer of mine 93 year old female was bamboozled into a 15 year annuity by an amerilife agent last year. shameful

 

[AngelBand]

In the insurance business there is an important thing you must have, activity and you must be held accountable for that. If you don't have activity, then you don't have production. If you don't have production, you don't have income. If you don't have income, you come on these forums and anywhere else griping and moaning how the world is against you and it isn't your fault.
Almost all insurance agents are 1099, not employees. Usually only upper management (that don't go in the field) or office managers (that rarely go in the field) are employees. This is a captive agency model of course, but 1099 is because you are not an employee, they aren't "treating" you like employees, they are treating you like agents.
It sounds like they are have the morning meetings to hold the agents accountable for their activity and to make them more productive. That is a good business model for a captive agency. Without a system or some structure then you have agents just running wild and no clue what's going on, not having any training and not honing their skills. Training is very important in the business, as is activity. Without training you a like a chicken running around with its head cut off, soon enough it dies....get my point? Start owning up to the fact that you might just suck as an agent and need to find a different career or just find a better place to work and leave Amerilife the hell alone. Grow up and act your age and make some money selling insurance and not slandering on an insurance forum.

Slander??? There's that big word that you like to use again.

Your post are very telling Mr. Longtimer- glad I decided to read back a little. Can't wait to see what other little gems you have posted on this thead and what other posters you have bullied.
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A good group of attorneys that are familiar with their modus operandi:

Williams Schifino Mangione & Steady P.A.

Friday afternoon bump!!!

 

[Me112233]

In the insurance business there is an important thing you must have, activity and you must be held accountable for that. If you don't have activity, then you don't have production. If you don't have production, you don't have income. If you don't have income, you come on these forums and anywhere else griping and moaning how the world is against you and it isn't your fault.
Almost all insurance agents are 1099, not employees. Usually only upper management (that don't go in the field) or office managers (that rarely go in the field) are employees. This is a captive agency model of course, but 1099 is because you are not an employee, they aren't "treating" you like employees, they are treating you like agents.
It sounds like they are have the morning meetings to hold the agents accountable for their activity and to make them more productive. That is a good business model for a captive agency. Without a system or some structure then you have agents just running wild and no clue what's going on, not having any training and not honing their skills. Training is very important in the business, as is activity. Without training you a like a chicken running around with its head cut off, soon enough it dies....get my point? Start owning up to the fact that you might just suck as an agent and need to find a different career or just find a better place to work and leave Amerilife the hell alone. Grow up and act your age and make some money selling insurance and not slandering on an insurance forum.

I see that AngelBand recently quoted your now somewhat old post. I'll address your last sentence. First of all, the term you are fishing for is libel, as slander involves spoken comments, libel refers to things that are written. Now, in order for it to be considered libel, it must have the tendeancy to injure another person's character or reputation. Obviously, the character and reputation of Amerilife has long ago been sullied by Amerilife itself. It would quite difficult for any poster on here to cast Amerilife in a worse light than it is already widely known for. Even if it would be possible to prove that one of the many posters on here that have said not-so-nice things about Amerilife actually harmed its reputation; the TRUTH is an absolute defence to libel. In other words, if I said you are a bastard, and, in fact, your mother wasn't married to your father when you were born, there is absolutely no action you can take agaist me, as I have spoken the truth, even if it wasn't nice of me to say it. Now, when someone says that Amerilife owners or managers lied to them, and it happens to be true, that's the end of the discussion. I'm guessing that since Amerilife as a company (or its managers as individuals) have never once brought suit against anyone for libel, I can only surmise that the claims of others that Amerilife's management lies to people must have some measure of truth to it. Surely, at least one of those people claiming that Amerilife tells lies has a nice collection of assets, and it would certainly be beneficial to Amerilife to bring suit if, in fact, Amerilife has been libeled. As for not paying commissions, I can personally testify that Amerilife does not pay earned commissions. There, I said it. Now I will repeat it in a manner that is clear an impossilbe to misunderstand. Amerilife illegally stole commissions from me via a process called "conversion." I wrote the business. The coverage was issued. The end consumer paid the premiums. The insurance company even paid claims (health insurance plans). All of the policies stayed in force for at least one year. Several of them renewed beyond one year. I never was paid one red cent (no advances, no as earned, no renewals, nothing). Amerilife was responsible to pay me "agent level" commissions on business that I produced, but they kept the money.

Now, it is out there plain as day. Let's see them sue me for libel. It won't happen, because what I just said is the truth.
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In the insurance business there is an important thing you must have, activity and you must be held accountable for that. If you don't have activity, then you don't have production. If you don't have production, you don't have income. If you don't have income, you come on these forums and anywhere else griping and moaning how the world is against you and it isn't your fault.
Almost all insurance agents are 1099, not employees. Usually only upper management (that don't go in the field) or office managers (that rarely go in the field) are employees. This is a captive agency model of course, but 1099 is because you are not an employee, they aren't "treating" you like employees, they are treating you like agents.
It sounds like they are have the morning meetings to hold the agents accountable for their activity and to make them more productive. That is a good business model for a captive agency. Without a system or some structure then you have agents just running wild and no clue what's going on, not having any training and not honing their skills. Training is very important in the business, as is activity. Without training you a like a chicken running around with its head cut off, soon enough it dies....get my point? Start owning up to the fact that you might just suck as an agent and need to find a different career or just find a better place to work and leave Amerilife the hell alone. Grow up and act your age and make some money selling insurance and not slandering on an insurance forum.

Now to address more of your ignorance. If the Amerilife agents are independent contractors (what you call 1099 agents), then Amerilife can't be requiring them to come to morning meetings or "holding them accountable" (as you put it) for their activities. Amerlife cannot require specialized training, at least not beyond what is required of agents by the state and federal regulatory agencies. As an independent contractor, an agent cannot be required by Amerilife to "hone his skills" or eat bagels for breakfast. If an independent contractor agent desires to conduct his business "like a chicken running around with its head cut off," then Amerilife must permit such behavior (just so long as it isn't illegal -- in 49 states, there is no statute prohibiting running around like a chicken, with or without its head).

From your post, I get the impression that Amerilife is actually treating (some of) its agents like employees with respect to daily activities, while handling the financial side as if they are independent contractors. You do realize that doing such is a criminal offense? If they are, in fact, employees, then Amerilife must provide workers comp, unemployment insurance, Social Security matching, etc., etc. The simple fact that someone is an insurance agent has no bearing whatsoever on whether that person is an employee or an independent contractor. When a business brings people in and dictates their daily affairs (e.g., attending regular meetings, establishing quotas for business contacts, etc.), that tends to make a person an employee. When the person is put in a "captive" situation (i.e., not allowed to perform similar work for others), that seals the employee status.

About all a company/agency can do regarding an independent contractor that isn't producing business is to cancel his contracts. And even then, the "non-employer" better not cancel the contract simply because production is lower than what a full-time employee would be expected to do, but closer to the "he hasn't written any business for a year" sort of situation.

And finally, if an agent isn't very successful in his insurance business, that doesn't excuse Amerilife when it fails to pay whatever commissions are do that agent. If the "quota" was to sell 10 policies a month, and the agent only sold 3 a month, that is no excuse for Amerilife to not pay. Amerilife must still pay the agent for the 3 policies he sold. You can't "fire" an independent agent, and then stop paying his earned commissions. (That's what you do in the case of an employee.)

 

[gordon112]

Avoid Amerilies.....TOO many things to list why here...just do the right thing and MOVE ON


End of Discussion!

 

[AngelBand]

Thank you for the most thoughtful post, ME11223- your points are spot on! I appreciate the time you took to make each point for us.

Longtime, since you deleted your nasty name calling post towards me, I won't bring it up again.

Happy Monday gang!