I'm definately smelling a RAT. Lets just use the 50 States again to be nice and fair to them, we will give them every benefit of the doubt. I'm an employee of American Income Life based in Philadelphia, and while I'll admit I have a certain vested interest in debunking your statements, I'll do my best to be impartial. - - NOTICE: *UPDATE December 1, 2006. T taylor6676 of Lutherville, US Jan 11, 2008 12:00 am EST Review updated: Jul 30, 2022 Resolved Featured review I was an employee of this company who relies on the inexperience of new agents to run this scam on union members and their friends (family). Waco Texas, Nationwide, Paradise Property Management Ventura Illegal eviction my account being hacked, PPM will not investigate how it happened Ventura California, Kei Kullberg Quintessential Mortgage Group bait and switch you into promising you a low-rate Mortgage Scammer White Plains New York, TAHINI GODDESS Sally schimko Sexyveggies Tahini Goddess inulin Goddess Prebiotic white labeling of non-licensed food supplement. * deception of potential clients in order to get sales Can't I be put on a do not call list? American Income Life / National Income Life join Rip-off Report Corporate Advocacy Business Remediation Customer Satisfaction Program and submit to independent investigation. 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 would also never encourage anyone to lie to their employers. during those other 20 years nobody would sell him insurance for any price. Now since they don't offer a 15,20,25,30 year term lets assume Mr. Doe thought he got a great deal from his union and decided 10 years later to buy another $500,000 worth of term since his first one ran out. Copyright 1997-2023, Ripoff Report. File your review. American Income Life insights Based on 1,511 survey responses Areas for improvement Overall satisfaction General feeling of work happiness Fair pay for job Best change of my life Supervising Agent (Current Employee) - Troy, MI - January 14, 2023 While this job isn't at all what i expected, I wouldn't change a thing. GET THE FACTS DUSTIN? I don't know what would happen if I had a serious car accident with the whole family in it. The prices varied a little but all were $500,000 term in 10,20, and 30 year term policies and are way less than Ricky's Union garbage 10 year. 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! Their idea of important and mine are miles apart. Tom, for those of us who know you, it is obvious how many "alter egos" you have posted on this website. This is the best way to manage and repair your business reputation. American Income Life Insurance review: fraud & cheating! Cons. Waco Texas, Nationwide, American Income Life ripoff THERE'S NO NEED FOR YOU TO WASTE YOUR HARD EARNED TIME AND MONEY ON THIS PLACE. Our accident policy has paid when it is supposed to, nothing wrong with the benefits at all, nothing wrong with honest Insurance Agents at all, in fact, they are eye openers!!! American Income Life Insurance Company is a 100% scam. Feel safe, confident & secure doing business with American Income Life excellent business opportunity. All business will get complaints. 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. - NOTICE: *UPDATE December 1, 2006. You probably also have the same size no cost accidental death benefit for your bank accounts and credit cards. Lets say Mr. Doe bought this $500,000 term policy at 35 and paid on it for 10 years at $2,230 per year, that would be $22,300 and then paid for 10 more years at $4,290 per that another $42,900 totalling so far $65,200. ALL COMPANIES GET COMPLAINTS - HOW THE COMPANY HANDLES THOSE COMPLAINTS SEPARATES GOOD BUSINESSES FROM BAD BUSINESSES. REBUTTAL BOX 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 pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. He will be there long after you are gone. Get over it? If it is, I would cancel it, but not before getting something(if you have a need)with better rates, a higher face amount and longer term. That is where your pay check primarily comes from. American Income Life / National Income Life provides products and services through independent representatives, and has been providing benefits to families for over 50 years. Covering Phoenix, Mesa, Glendale, Scottsdale, Gilbert, the valley . TrustedChoice.com's Final Review. It is a total SCAM. You want to talk about bad practices? Has your experience with this business or person been good? Ripoff Report | American Income Life TRUSTED Business | 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. Look up your rate chart and tell me what a 35 year old male in excellent condition and weight would pay for a 20 or 30 year term, with a $500,000 face value = enough to pay off the house and send the kids to school, car notes, credit cards, etc. It is already in place and if you don't sign your beneficiary up in front of them it gets paid out to your estate. I want full disclosure! A great bunch of union guys doing pretty good for themselves despite their huge pay out of $1.5 million in accidental death benefits. I feel sorry for people like "Joel," because until the day people like him are willing to change and grow-up, all of their past failures will continue to be the "roadmap" of their own personal "non-successes" for the rest of their lives. What he writes is true. American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. Agents and managers work as independent contractors (so a 1099 is issued as opposed to . Advertisers above have met our What law says I have designate my beneficiary? Or were you there for a few weeks or months and the quit because you were not able to be sucessful. They never tell new people thay only 7% of the agents make it through the first year. Although the plaintiff requested a refund, American Income Life Insurance Company has failed to recoup any of the withdrawals made from the woman's checking account, the suit alleges. American Income Life / National Income Life provides products and services through independent representatives and has been providing benefits to families for over 50 years. Local 435, NILICO,AIL,AFL-CIO Local277, Via Helth Rochester, benefits not what they appear to be. Rip-off Report Investigation: American Income Life / National Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program. Glassdoor has 318 American Income Life: AO reviews submitted anonymously by American Income Life: AO employees. 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. They are not eligible for Union representation. 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. Pie in the sky crap or legit employment opportunity ? Is that too much to ask? I bought these extra benefits about ($70.00 per month) after Bob Brown our Business Manager from the Local 435 Labors union in Rochester,NY. There is a huge turnover rate at American Income Life because people go into it thinking one thing but then they find out it's a MLM company they don't want to be apart of because they aren't making anything after six months. American Income Life / National Income Life pledges to resolve all legitimate complaints and address any is, American Income Life - Altog Orlovic employment scam ripoff unsuspecting agents Las Vegas NevadaRip-off Report Investigation: American Income Life / National Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and submit to independent investigation. Does he know that while the benefits were reduced the costs went up and the liars are now telling the union brothers that this is a better deal? Rip-off Report has the evidence. Repackaged from Purchased from Amazon, stealing all certifications and false manufacturing markers from the packaging of NB food supplements. All rights reserved. Filled one out & signed it. ALL COMPANIES GET COMPLAINTS - HOW THE COMPANY HANDLES THOSE COMPLAINTS SEPARATES GOOD BUSINESSES FROM BAD BUSINESSES. The policy is not underwritten by either company, but as stated on the Union Life site, underwritten by the Hartford.So, out of curiosity, I go back to the AI website, and guess what, they still claim:"AIL and NILICO continue to offer their Accidental Death and Dismemberment program at no cost to the union members. Peggy Martin Check is in the mail,& then put a stop pay on the 2nd Kissimmee, Florida. 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. Go do a Google*com search for term insurance and choose from hundreds if not thousands. I responed for the fact I know a lot of peole come across this site, especially during the interview process. Rip-off Report recently discovered that All but 2 Rip-off Reports about The David Zophin Agency were posted by the same person. Hide on your laptop but remember how many of us you told? Each type has its advantages and disatvantages,. Their pay is very low. MY ADVICE TO YOU IS THIS. But what about the insurance itself? Rip-off Report has the evidence. I thought we were not supposed to talk about the criminal records of those that we work with? After all your union wouldn't send a rat to your home if they knew they were a rat. Why Ripoff Report will not release author information! (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. 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. What the BBB has done to consumers for over 100 years is one of the many reasons why Ripoff Report was created. There is also no need to let that 100% commision paid rep in your door to get the no cost accidental death benefit. What a deal Ricky! Do they pay union dues? Why don't you post your own number on here, instead of everyone else's? 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. 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. Consumers want to see how a business took care of business. All rights reserved. Usually a $7000-$15000 whole life policy for the cost comparable to a smarter mans choice of a $500,000 20-30 year term that buys him enough time time to raise his family and protect them very well in case he dies before social security, retirement, 401K, annuities, etc. You say you sell term benefits up until age 100? Consumers love to do business with someone that can admit mistakes and state how they made improvements. Before I begin, let me say that the opinions expressed below are mine and mine alone. 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! You. I forgot? Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Bogus Celebrity Advertisements FACE & Skin CREAM Ripoff! With the money you save you can go buy whole life or term life 12 times cheaper many other places, or for the same price buy 12 times the face value "COVERAGE" that the survivors need after your passing. READ: Foreign websites steal our content. All business will get complaints. This is the best way to manage and repair your business reputation. Immediately bring any problems, complaints or contacts by an unknown insurance company to the attention of your NVP. Ready, set, go! Coverage is offered in 49 states, as well as in Canada and New Zealand. I wanted to make sure people heard this concern for people this year. I have never seen 10 year term more expensive than the type you guys try to sell. It takes money from my household income when the unions find new ways to work deals with insurance companies that leave me paying an extra $70.00 per month for more coverage but ending up with less. About us: Parent Company: Globe Life (has more policyholders than any insurance company in North America) Our company, Altig Organization (AO), which is the largest distribution system under American Income Life (AIL), grew over 20% year over year. I joined the company not as a starry eyed youngster who was sold a good story, but as a veteren in business with 20 years experience. Can they offer additional services, extend warranties, offer a fair refund or just get you talking with someone that can help. I was warned 8 years ago about AIL by the union leadership. Corporate Advocacy Program - Verified Status, How To Get Your Report Featured On All Report Pages. Divide that by 50 States or 50 States plus Canada, Peurto Rico, New Zealand. http://www.ripoffreport.com/reports/ripoff134672.htm A competitor no doubt. Do you see my point? Maybe they found they could have bought a $500,000 20 year term policy for less money and that would meet the families needs until the kids were out of College. American Income Life Scam Review | Complaints INVESTIGATION: 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. A competitor no doubt. Make Time Online Rating: 50 out of 100 Recommended: No Here's my top recommended program >> Quick Navigation Surely Jane (the widow)could pay for John's funeral or cremation out of the 500,000 and pay off the mortgage and other bills and send the kids to school if she used the money wisely. Waco Texas, Nationwide, American Income Life ripoff reaches NC Swananoa North CarolinaRip-off Report Investigation: American Income Life / National Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and submit to independent investigation. Altig International & American Income Life are committed to resolving such complaints quickly and doing everything possible to satisfy its clients and representatives alike*UPDATE - Rip-off Report Investigation: Altig International has joined the Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and is committed to addressing and resolving all legitimate complaints. Rip-off Report REVIEW: The David Zophin Agency & American Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program (CAP), and submit to independent investigation. We select the policies best suited to the membersactual needs so as not to overlap with what they already have! Every company receives complaints, and with currently more than 600 associates and more than 50 offices throughout North America, the number of complaints Altig International has received is few. I was born at night but it was not last night. *UPDATE ..August 30, 2010 ..after 4 years, no unresolved disputes. I also agree that this should be brought up in our next union meeting. Mar 14, 2017 3:26 pm EDT. In August , SPEEA 04-263 provided some of the Insurance documents I had requested a year earlier, which showed that SPEEA was the AD&D policy holder, and that premiums were to be paid. American Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. West Palm Beach Florida, Tuffy Tire & Auto Service Center Mavis Tire & Brake Charged Nearly $700 for Non-Fix Bay City Michigan, Lighting New York lighting by Jared Sent damaged product wont refund after I sent back damaged product website description is fake, Tara U THEY SCAM THOUSANDS OF PEOPLE WITH THEIR FLOWER ORDERS. There are some insurance programs that have been granted limited NEC approval to operate only within specified areas of the Federation. * a cattle-call interview/orientation Try a general search or read the suggestions below. Do the hospitals negotiate these costs while we are being treated? Now you will see how expensive the product they are selling is compared to others. The posting time indicated is Arizona local time. According to the complaint, American Income has run afoul of the federal Electronic Funds Transfer Act (ETA) and California's Unfair Competition Law by . Ripoff Report | Complaints Reviews Scams Lawsuits Frauds Reported. United States. To Richard from MB Our accident policy has paid when it is supposed to. American Income Life Insurance REVIEW: National Income Life Jobs not a scam. American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. Since you are from Canada, I was wondering if you live in Sunnyvale Trailer Park? No one forced "Joel" or other people to come aboard. Sexual Orientation Sexual Orientation Disability Parent or Family Caregiver Veteran Status Want more demographic options? Most of them couldn't be any further from the truth. I among the other agents have the potential to turn that into something. Wanted to make sure people heard this concern for people this year bank! 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