You say you are an employee but you are not, you are a 100% commision paid Life Insurance Salesman with a 1099 non employee contract with no reirement benefits, no annuities,no salary,no hourly wage. You are actually covered from the date of application (as long as you can qualify and the statements on the application were true) After the policies arrive you still have another 10 days to return them and you will get all your money back. Ripoff Report recently discovered that all but 2 Rip-off Reports about The David Zophin Agency of American Income Life were posted by the same person. Read our investigative Report and American Income Life / National Income Life's commitment to 100% consumer satisfaction.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 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. 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. American Income Life / National Income Life provides products and services through independent representatives, and has been providing benefits to families for over 50 years. Keep in mind they may claim they offer over 8 Billion dollars in accidental death benefits but we all know most people don't die accidently and there are several other exclusions listed on that no cost accidental death benefit. 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. 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. this program works. Whole life coverage also contains a cash value component, which means they grow in value over time and may be treated as a financial asset. Has someone actually presented the options available to you or are you basing your comments on some other information? Company website run by crooks outside USA pretending to be in USA to get USA money taking your hard-earned dollars funneling it to the country of Peru, Better Business Bureau of South Florida BBB of South Florida Andre Amaro and the BBB of South Florida are harassing me and my small business! I thought we were not supposed to talk about the criminal records of those that we work with? American Income Life Insurance Company is a 100% scam. When I queried about the premiums , the response in SPEEA 04-307 again denied SPEEA responsibility or ownership o rpayment of premiums , while at the same time including a document that proved such statements were false. Mark Colbert from Markcolbert*com disagrees and claimed the parent company "AMERICAN INCOME LIFE INSURANCE COMPANY" has been sued in 9 States and paid to settle each time after seeing the evidence. American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. 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. Waco Texas Nationwide*UPDATE : American Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and submit to independent investigation. New York is next on the list.They threaten and lie and steal from the agents just like they train the agents to lie and deceive the union members and the referrals. Rip-off Report recently discovered that All but 2 Rip-off Reports about The David Zophin Agency were posted by the same person. American Income Life is truly dedicated to making sure ALL customers are happy. AIL is rated A+ Superior by A.M. Best Company, its second highest rating, for overall financial strength (as of 6/07). Pie in the sky crap or legit employment opportunity ? People who are very positive about their company while they're there seem to lose this enthusiasm after leaving due (often due to lack of income) and no longer getting regular pep talks (which can border on cultic). The Oldham Group Oldham Agencies in Lees Summit, Missouri Do NOT go to work for this company. Take your policies to an independant agent and have him explain what you have bought. Feel safe, confident & secure doing business with American Income Life excellent business opportunity. The management/leadership HAS been honest and supportive. my experience has been very, very positive. Hide on your laptop but remember how many of us you told? Repackaged from Purchased from Amazon, stealing all certifications and false manufacturing markers from the packaging of NB food supplements. 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. HELP! No one forced "Joel" or other people to come aboard. How those businesses take care of those complaints is what separates good businesses from the rest. American Income Life, AIL, Altig International RIPOFF, PYRAMID SCHEME WASTE OF TIME Burnaby British Columbia*UPDATE - Rip-off Report REVIEW: Altig International has joined the Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and a Rip-off Report independent investigation. If you live in Maine or New Hampshire, you should call. * a cattle-call interview/orientation ALL COMPANIES GET COMPLAINTS, BUT HOW THE COMPANY HANDLES THOSE COMPLAINTS, SEPARATES GOOD BUSINESS FROM BAD BUSINESS*UPDATE - Rip-off Report REVIEW: Altig International has joined the Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program, committed to addressing & resolving all legitimate complaints. 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. I t doesn't discriminate against any race, religion, sex, age, or any professional backround. Rip-off Report has the evidence. Have a swell day Ricky! It offers life and accident insurance, as well as supplementary health products. why would you only sell a 10,000 dollar whole life insurance to a 35 year old with a mortgage and 3 kids that will be going to college??? Redmond Washington, Altig International & American Income Life are dedicated to helping their associates achieve their dreams, and will not allow a legitimate complaint to go unresolved. They never tell new people thay only 7% of the agents make it through the first year. Cons. Almost a year ago- I provided to the Executive Board evidence that AIL was other than an ' honorable ' insurance company. Miami Florida, Old Town Atelier Dan Kolar Alexandra Kolar Press and Ink Scamming and Blocking Paying Customers Temecula California, Full Service Network Jason Soltis, David Schwencke (CEO) They could not provide phone services needed, had to change providers after working with them for months to fix things. If it were not for the Rochester, NY SGA talking so negatively about selectqu*te.com and ripoffreport*com I would have never known. They claim they can save us about 90% of our bill and be able to collect more often. They stop at age 58 at $23.87 per thousand. Not the deal I thought it was. Show customers why they should trust your business over your competitors REVIEW UPDATE:November 16, 2018: American Income Life remains committed to increased customer satisfaction and has improved their business practices over the years to better serve their customers. It's a legitimate company that sells insurance policies. American Income Life was an awful place to work. $12 a month for family is a great benefit. A Rip-off Report independent investigation has shown that the Altig International insurance sales process and the American Income Life insurance products they sell are 100% legitimate - to be expected in a federal, state and provincial regulated industry. File your review. kick in. Customer Service Rep (Former Employee) - Waco, TX - February 22, 2023 This was the worst job I have worked for. ALL COMPANIES GET COMPLAINTS - HOW THE COMPANY HANDLES THOSE COMPLAINTS SEPARATES GOOD BUSINESSES FROM BAD BUSINESSES. Including this Report below! Just not with this company. He told us all the great things that these new union benefits will do for us union members. 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. A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business. That's ok we do not want to go to a home where we are not wanted. Patients made into prostitutes and sex slaves, bilking insurance companies out of millions, Sac_County Iowa Prosecutor Ben Smith pays $750,000 to settle Ripoff Report 1983 civil rights lawsuit.. Federal Judge stops prosecutors abuse of power against ED Magedson Founder of Ripoff Report. Ripoff Report | Complaints Reviews Scams Lawsuits Frauds Reported. Corporate Advocacy Program: How to repair your business reputation. Don't worry about where all the ex-agents went. Now let's hope, if he still hasn't had that stint, cancer, stroke, diabetes Mr. Doe reaches his 55th birthday and feels the need to buy another $500,000 10 year term and he is still in tip top shape, the current cost for that 55 year old male is only $19.92 per thousand and we will multiply that times 500 and we will find the cost of $9,960 per year or $830 per month, only $27.29 per day. 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 work all week. Waco Texas Nationwide*UPDATE : American Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and submit to independent investigation. It would take a close look at the union governing documents to determine if - after retireing you are still a member - sinc eyhou may have to pay a portion of regular dues- a $1 a year - or some such. Schaumburg, IL. Heterosexual (5) 3.3 LGBTQ+ 5.0 Current Employee, less than 1 year What you put into it is what you get out of it they cannot deliver what they say an insane amount of money Pittsburgh Pennsylvania, Attorney Sharon K. Campbell COLLUDES with Wells Fargo Dallas Texas, BlackSwanCapital.co Black Swan Enterprises Peter Tumbas Black Swan Capital The offered guaranteed low-cost financing if I first stepped in high-cost short term financing New York New York, Geeks Ondemand LLC, Lizeth Lagomarcino Papaleo Geeks Ondemand LLC, The Geeks Mob SCAM! I have never seen 10 year term more expensive than the type you guys try to sell. They say thieves always lock their doors. 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. American Income Life dedicated to helping associates achieve their dreams. Hi Richard, A Rip-off Report independent investigation has shown that the Altig International insurance sales process and the American Income Life insurance products they sell are 100% legitimate - to be expected in a federal, state and provincial regulated industry. Divide that by 50 States or 50 States plus Canada, Peurto Rico, New Zealand. A competitor no doubt. All rights reserved. 3. They don't believe in DISCLOSURE laws and have not been spanked hard enough from NYS yet! They receive no salary. Click here to read other Rip Off Reports on American Income Life Insurance, https://www.ripoffreport.com/reports/american-income-life/nationwide/american-income-life-scam-complaints-review-american-income-life-national-income-life-38805. Dylan and I agree on one thing partially, check with your union,stewards, union presidents, but go one step further and ask them to have their legal department or financial advisors or CPA look into the accusations, where we disagree is in calling American Income, what do you think they will say? Waco Texas Nationwide. Lees Summit, Missouri. tom co**lly how many "alter egos" you have posted. IN 3 WEEKS THEY SENT 3 OF MY RECIPIENTS DEAD FROZEN TINY BOUQUETS calgary, Ponce motors Deceptive car sales Austin Texas, Nextiva efax overcharged me for an entire year even before the monthly trial expired able to use the service at all. Rated A+ Superior by A.M. Best (World's largest credit rating agency) for financial . Their pay is very low. Lees Summit, Missouri. Ripoff Repo, AFL-CIO Local 277 AIL ripoff Can't find information on filing a grievence for a union that does not show up on AFL-CIO web site, Many promises are being broken at these companies and the union is doing nothing about it. 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". Hiding negative complaints is only a Band-Aid. You also seem to have a bias against whole life. Yourself? American Income Life continues to show customer service is of the utmost importance and they currently have no complaints! 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. American Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. sent us a letter offering us no-cost family coverage through the union included a card that said send this in right away. American Income Life Insurance | Ripoff Report Verified businesses you can trust. Ha Ha Hal, First, the "1.5 million" paid out is absolutely true. Have they ever been sued for misrepresentation? As a side note for Ricky, Mrs. Doe could bury or cremate Mr. Doe with that $500,000 and have enough to pay off most if not the rest of her debt. IN 3 WEEKS THEY SENT 3 OF MY RECIPIENTS DEAD FROZEN TINY BOUQUETS calgary, Ponce motors Deceptive car sales Austin Texas, Nextiva efax overcharged me for an entire year even before the monthly trial expired able to use the service at all. Sometimes members do not want a visit. They are the ones taking your money already. Later my wife was packing food for the slick talking insurance salesman using the name of my local 435 to get in the door. Is American Income Life legitimate? American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. Can you sell mutual funds through AIL? Consumers want to see how a business took care of business. If the NVP feels the plan warrants further consideration, he or she will submit it to the NEC's Insurance Committee. https://www.ripoffreport.com/reports/american-income-life/nationwide/american-income-life-scam-complaints-review-american-income-life-national-income-life-38805. We select the policies best suited to the membersactual needs so as not to overlap with what they already have! Rip-off Report discove. Future agents or buyers deserve a little warning. This company has changed my life, I hope you are willing to keep an open mind. American Income Life - Zophin Agency ripoff Warwick Rhode Island - - NOTICE: *UPDATE December 1, 2006. Rip-off Report has the evidence. You have certainly showed you character in black and white for all to see here in this forum and I think it's pretty obvious as to why you didn't work out at AIL. Report | complaints Reviews Scams Lawsuits Frauds Reported to keep an open mind overall financial strength ( of! 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