On the surface, it looks like an ordinary insurance company. Can they offer additional services, extend warranties, offer a fair refund or just get you talking with someone that can help. A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business. If so tell Julian and Bubbles that if they want to pass their grade 10 they must come in for their Math exams, see you on Showcase channel Sunday evenings after you are done calling your union folks. Local 435, NILICO,AIL,AFL-CIO Local277, Via Helth Rochester, benefits not what they appear to be. The closest hint I got from the two secretaries is that they pay 95% of reasonable charges in that area. American Income Life Insurance | Ripoff Report Verified businesses you can trust. Don't worry about the president from some other union who got tricked into signing a letter for his Local, he probably thought he was doing a good thing when he was misled. 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. Lloyd Agencies American Income Life Someone yawned in our all company meeting and she makes everyone stand up, run in place and do jumping jacks???? Do we all agree that $2000 is plenty of money for the rest of the family to live on once our dearly departed has expired? what if they do not want to pay out? Do they pay union dues? Dumron spends half of his time threatening real agents that went on to work for real insurance companies that if they replace one of his policies he will sue them and he has not lost a lawsuit yet. An agent calls stating that AIL is endorsed by the National Union, and they would like the mailing list. AIL American Income Life Lied blatantly to coerce me into MLM scam Woburn Massachusetts, AIL Insurance Company Do not buy insurance from American Income Life Insurance Company ,AIL, Waco Texas, American Income Life AIL American Income David Zophin Agency deceptive dishonest scam mlm pyrimid scheme Middletown Connecticut *UPDATE - Ripoff Report REVIEW: The David Zophin Agency & American Income Life has joined the Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program; The David Zophin Agency hiring practices, 100% legitimate, honest and selective, typically resulting in less than 10% of interviewed candidates being chosen to be company associates.. NOTICE: *UPDATE December 1, 2006. They provide term life insurance and whole life policies insurance. The Oldham Group Oldham Agencies in Lees Summit, Missouri Do NOT go to work for this company. In Solidarity Ha Ha brother, wink, wink, we are all union brothers AIL, NILICO,AFL-CIO, LOCAL 277. Make clear that you want to keep your accident policy if you do. Rip-off Report independent investigation showas that the Altig International insurance sales process and the American Income Life insurance products they sell are 100% leg. Maybe you are even working for an insurance company that advises to buy term and invest the rest. American Income Life - Zophin Agency ripoff Warwick Rhode Island - - NOTICE: *UPDATE December 1, 2006. To HaHaHal, Dumron, Jimmyachi, Gay Mikey, Leo, Greg, Tom, Burbs, Greg, Larry, All the Combined Replacement enforcers from Strong Steve down to the lowest retention rate managers in the 65% range, and all the future used car salesman and failed teachers with alcoholism, I would like to replicate you to use as target practice. * incentives for recruiting others [1] [2] It was triggered by a large decline in US home prices after the collapse of a housing bubble, leading to mortgage delinquencies, foreclosures, and the . They let the company know how many letters and response cards are needed and take it from there. American Income Life has become an annoyance and a pest to us. Yes the pay is good but only if you have a super week bringing in at least $4,000 net alp than you will receive a paycheck of about 1000 bucks if everything goes well. 3.William P*nn 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. Do they have retirement accounts,do they have pensions? Purchased NY Life/AARP life insurance $75,000 for $195 a mo., requiring an electronic withdrawal from our bank each month. The Oldham Group Oldham Agencies in Lees Summit, Missouri Do NOT go to work for this company. Read employee reviews and ratings on Glassdoor to decide if American Income Life: AO is right for you. They also misrepresent by telling people that their FUNERAL BENEFIT pays out IMMEDIATELY AND DIRECTLY after death, very untrue, as a matter of fact I have been told that any policy under two years of age has a very good chance of being dragged out and challenged after an autopsy. 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. Wow, what a union bargain and the agent gets about 50% commission for the first year. According to the complaint, American Income has run afoul of the federal Electronic Funds Transfer Act (ETA) and California's Unfair Competition Law by . American Income Life insights Based on 1,523 survey responses Areas for improvement Overall satisfaction General feeling of work happiness Ability to meet personal goals Dont recommend!! American Income Life Insurance review: fraud & cheating! Rip-off Report discove. Most commonly, the criteria for evaluating . Has your experience with this business or person been good? Rip-off Report recently discovered that All but 2 Rip-off Reports about The David Zophin Agency were posted by the same person. Let's see what a real insurance company sells for! You say you sell term benefits up until age 100? Either way if you quit they still win the money goes towards their $100 million in profits. Rip-off Report independent investigation showas that the Altig International insurance sales process and the American Income Life insurance products they sell are 100% leg Insurance Companies: Altig International, American Income Life Burnaby, British Columbia Author: Vancouver, British Columbia 13, Report #38805 Jan 17 2012 07:45 AM Does your Local who signed your letter know that in New York State they stopped selling the part that was the best, where anyone in the union family would collect $200 per accident or injury any time treated by any doctor, hospital,chiropractor, emergency care facility? The last time I asked to notify us by mail instead of phone. Success has many definitions that based on your past experiences, current situation and your perceived expectations. I want full disclosure! 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??? Sounds innocent, as the local president has no idea the members are prey for the vultures. And if it is NOT in writing - it doesn't exist- meaning If you get a phone answer - write it down - make a copy- mail it to yourself - and then follow up with whomever in writing and be sure you get a written answer on appropriate letterhead. Ready, set, go! Are they not owned by Torchmark and listed on the stock market as a profit making Insurance Company that also owns several other Insurance Companies? American Income Life / National Income Life join Rip-off Report Corporate Advocacy Business Remediation Customer Satisfaction Program and submit to independent investigation. Wink, Wink. Yes, the mailing list was provided by the union local. Altig International & American Income Life are dedicated to helping their associates achieve their dreams, and will not allow a legitimate complaint to go unresolved. Why do you other insurance companies sell 15,20,25 and 30 year terms anyways? The UAW has a problem with them. * a cattle-call interview/orientation Yes Ricky, I worked there as well as others, and again you avoided the question and the quote! $12 a month for family is a great benefit. I received a call from a Charles Byrd of American Income at my home. Sounds like a real union brother to me. They are coming to my home next week. Tell us has your experience with this business or person been good? I don't think I've seen as many Crooks in Jail. I cannot think of one example where it would be in the consumers best interest to purchase a 10 year term from NILICO or AIL. Corporate Advocacy Program: How to repair your business reputation. I warn you: 1. you choose. Rip-off Report has the evidence. Since the policy may be for union *members* , then you meet the requirements as long as you are a *member* How far do you think that $2000 will go? 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. Are you licensed to sell them? Pie in the sky crap or legit employment opportunity ? And yes they make profit on that as well. 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 you are implying that this kind Insurance company pays more than what the policy states I would not believe it for a minute. The best prices you will get on the internet, it's really very simple. I did. My office number is: 1-800-711-6611. It is a total SCAM. ? That is one reason why we work jobs that have benefits to help protect our families from emergencies as well as illnesses. Altig International & American Income Life pledge to resolve all legitimate complaints and address any issues from the past, present and in the future. I understand by reading here I can opt to drop everything but the accident / accidental death benefit and reduce my payment to only $11.51 per month, a lot more reasonable. When I queried the obviously false statements in letter 04-307 on Insurance and other issues, I received SPEEA 04- 364, signed by the SPEEA President [ who is also the CEO ] claiming that the E-board had reviewed and approved the 04-307 letter. Further, under SPEEA Read more reports about American Income Life. I t doesn't discriminate against any race, religion, sex, age, or any professional backround. Now Mr. Doe Is 45 still not smoking and still in great shape, let's assume he has not had any medical problems yet that would cause a rating so he could not get these great union prices. Their idea of important and mine are miles apart. American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. All rights reserved. http://www.ripoffreport.com/reports/ripoff76574.htm If I promise first to call them and tell them you will be contacting them and how kind and generous and caring your company is. Corporate Advocacy Program - Verified Status, How To Get Your Report Featured On All Report Pages. American Income Life TRUSTED Business | Ripoff Report Verified businesses you can trust. American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. To Richard from MB Our accident policy has paid when it is supposed to. It's a front for American Income Life Insurance Companies. On a federation-wide basis, only three companies (National Western Life, Union Privilege, and Americo) are currently authorized by the NEC to have one-on-one contact with an AFGE member -- subject to the National Vice President's and the Local President's approval. Most large companies would never commit themselves like American Income Life / National Income Life has to Rip-off Report's Corporate Advocacy Business Remediation & Customer Satisfaction Program. The 30 year term is still $1,700 per year cheaper than the union 10 year term per YEAR! Based on our experience, the member business has proven to be among the top members of the Rip-off Report Corporate Advocacy Business Remediation and Customer Satisfaction Program as a Verified Safe Business. We award American Income Life Insurance Company a final rating of 2.5 out of 5 stars. Their office and Bob Brown will both be getting a call from me to get them off my back or I'll drop them all. Terminal Illness Rider This may not be the policy that you have. If it were not for the Rochester, NY SGA talking so negatively about selectqu*te.com and ripoffreport*com I would have never known. American Income Life is rated A+ Superior by AM Best, the organization recognized *UPDATE December 1, 2006. Waco Texas, Nationwide, Zophin Agency ripoff Warwick Rhode Island *UPDATE - Rip-off Report REVIEW: The David Zophin Agency & American Income Life has joined the Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and is committed to addressing and resolving all legitimate complaints. darnel.h@xtremex.com feedback welcome. (An illusion if you will) that is the accident/ accidental death and dismembership policy, in NY it cost 11.51 per month for the whole family before they quit selling it. Commitment to customer satisfaction, positive rating for its customer support from Ripoff Report. BOOK NOW | 0. Waco Texas, Nationwide, Zophin Agency ripoff Warwick Rhode Island *UPDATE - Rip-off Report REVIEW: The David Zophin Agency & American Income Life has joined the Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and is committed to addressing and resolving all legitimate complaints. 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