American Income Life Insurance | Ripoff Report Verified Safe. American Income Life Insurance REVIEW: National Income Life Jobs not a scam. Estimated amount consumers saved since 1997: $15,590,010,907. 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. Read our investigative Report and American Income Life / National Income Life's commitment to 100% consumer satisfaction. TrustedChoice.com's Final Review. Rip-off Report recently discovered that all but 2 Rip-off Reports about The David Zophin Agency were posted by the same person. Glassdoor has 318 American Income Life: AO reviews submitted anonymously by American Income Life: AO employees. You say you sell term benefits up until age 100? A competitor no doubt. 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. Purchased NY Life/AARP life insurance $75,000 for $195 a mo., requiring an electronic withdrawal from our bank each month. American Income Life continues to show customer service is of the utmost importance and they currently have no complaints! Waco Texas Nationwide*UPDATE : American Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and submit to independent investigation. American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. Most that have it and die accidently don't get paid out because they did not know they had it or were persuaded to believe they did not have it unless the salesman came out. Beware ! Rip-off Report has the evidence that shows the same person filed every one of the Reports. Hiding negative complaints is only a Band-Aid. 20 year term, $500,000 coverage $275.00 per year,$22.92 per month, $0.75 per day, $0.55 per 1000x500=$275 per year. This rating reflects the overall rating of American Income Life: AO and is not affected by filters. The father paid $200,000 above reserve at auction to secure the Sydney waterfront property so his child could live close by. You referred to it as your company.Even though this poor fellow never had a chance to meet you or sign for his benefits. Yes, the letter was sent with the Local union office as the return address. Later my wife was packing food for the slick talking insurance salesman using the name of my local 435 to get in the door. This report was posted on Ripoff Report on 12/20/2002 12:43 AM and is a permanent record located here:
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. Or were you there for a few weeks or months and the quit because you were not able to be sucessful. I'll be watching him a little more closely. Don't worry about where all the ex-agents went. Do the hospitals negotiate these costs while we are being treated? Success has many definitions that based on your past experiences, current situation and your perceived expectations. Make Time Online Rating: 50 out of 100 Recommended: No Here's my top recommended program >> Quick Navigation A great bunch of union guys doing pretty good for themselves despite their huge pay out of $1.5 million in accidental death benefits. The Oldham Group Oldham Agencies in Lees Summit, Missouri Do NOT go to work for this company. I assume you now have a good job with great money and benefits that allows you Are my no cost accidental death benefits payable to my estate whether or not I let this bullsh_ter in my home? Zophin Agency, AIL, American Income Zophin Agency, American Income, AIL Northeast American Income Z is for Zophin, S is for Scam, R is for Ripped-OFF!!! I forgot? What a deal, or what a way to get in your door. Has your experience with this business or person been good? Great union product? Why Ripoff Report will not release author information! In the great State of of NY I can tell you a 35 year old male in excellent condition will pay through your company for a 10 year term R&C for a 35 year old non smoker in excellent shape $4.46 per thousand of coverage, so multiply that times 500 because after doing our needs analysis we determined that Mr. and Mrs. Doe needed $500,000 of protection for their family we get a staggering annual cost of $2,230 per year or $185.83 per month or $6.11 per day.Ouch, please stop the bleeding. Just not with this company. Some are convertable and renewable, some are not. Could I give you the names, addresses, phone numbers of all of my friends and relatives so you can save them before they die, like this this guy did? I could easily straighten those out for you as well but what is the point? Why do you think I left. Pros & Cons are excerpts from user reviews. Lees Summit, Missouri. This insurance, as the name implies, will cover you for the rest of your life, regardless of your age. 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, committed to addressing & resolving complaints. you choose. You also seem to have a bias against whole life. You've got to be kidding me Joel - I would also never encourage anyone to lie to their employers. Altig International & American Income Life pledge to resolve all legitimate complaints and address any issues from the past, present and in the future. In Solidarity, American Income, National Income, Torchmark, Local 277, Local 435,AFL-CIO. The company also offers an opportunity to make money through its multilevel marketing business model. Consumers love to do business with someone that can admit mistakes and state how they made improvements. Create a WOTC Account if you participate in this program. American Income Life Insurance is a company that provides complete life insurance coverage to its members. The fastest car will not run if you never turn the engine on. Has your experience with this business or person been good? Was he successful? Things for the novice to consider. Consumers educating consumers., Complaints Reviews Scams Lawsuits Frauds Reported.. ALL COMPANIES GET COMPLAINTS - HOW THE COMPANY HANDLES THOSE COMPLAINTS SEPARATES GOOD BUSINESSES FROM BAD BUSINESSES. If you have a sense of confidence in your own ability to do the job, and if you're stubborn enough to see it through the first (grueling) 90 days it is a GREAT opportunity. 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. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. With more than eight million members covered in 2004, an impressive $8 billion of group AD&D insurance is being provided at no cost. What I said was a customer like John and Jane Doe would be much smarter buying a 20 or 30 year $500,000 term policy for about the price of a $7,000- $15,000 of your expensive whole life policy through your company. [ this included a decades old fine by the washington state Insurance office , and other fines shown on the Texas Insurance commision site ] The SPEEA E-board minutes in April 2004 show that members were complaining. I wanted to make sure people heard this concern for people this year. AIL CANADA - ALTIG INTERNATIONAL DISHONEST AND RIPPED OFF BRITISH COLUMBIA British Columbia*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. And yes they make profit on that as well. For instance, I refer you to the top of the page, where you posted some baseless accusations just a few days ago. American Income Life / National Income Life provides products and services through independent representatives, and has been providing benefits to families for over 50 years. What is the name of the Local 277 and where are their local union stewards in case I need help? Just sign here and I'll fill the rest out later, you look heathy to me, I don't want you to wait any longer or see how I might check the boxes that you signed for, there shouldn't be any discrepencies unless there is a death and a law suit and we all know the dead guy can't dispute your claims. Some background on American Income Life: they are partnered with members of credit unions, labor unions, associations, and private policyholders. Ha Ha Hal, I have seen 8 people come and go since I started. American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future.. KEVIN DAVIS AGENCY KEVIN DAVIS GROUP AMERICAN INCOME LIFE A LYING SNAKE IN A $1,000 SUIT BELTSVILLE Maryland. strict standards for business conduct. If you live in Maine or New Hampshire, you should call. IT WILL ALSO HAVE THE PRESIDENTS SIGNATURE ON THE CARD. File your review. Donald Shuper Retired member in Good Standing, Another Local 435 member being bothered ny NILICO on SUNDAYS Local 277, AFL-CIO, AIL. Consumers want to see how a business took care of business. American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. 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. 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. Wink, Wink. American Income Life Insurance review: scam and cheating! Most AIL/NILICO agents are not and the company does not sell them anyways, not enough profit and the morons they hire could not pass the tougher exams. We select the policies best suited to the membersactual needs so as not to overlap with what they already have! 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. Altig International & American Income Life are dedicated to helping their associates achieve their dreams, and will not allow a legitimate complaint to go unresolved. The victims are hired as independent contractors. My union's national office issues the following warning: Do a similar search on "AMERICAN INCOME" you will see that these problems and accusations have been going on for many years in every State. They tell the people that they are taking names of those who want a FREE Child Safety Kit sent to their home. Rip-off Report recently discovered that All but 2 Rip-off Reports about The David Zophin Agency were posted by the same person. Sounds innocent, as the local president has no idea the members are prey for the vultures. American Income Life TRUSTED Business | Verified businesses you can trust. It's a legitimate company that sells insurance policies. Rip-off Report Investigation: American Income Life / National Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program. Lees Summit, Missouri. It is not even presented as a 10 year term product, but as a Family Care Plan. If you would like to see more Rip-off Reports on this company/individual, search here: who's who HaHa, Hal, or Gay Mike, Or Jimmiieachie, who cares you all stink. Including this Report below! Do you know the name of your union steward or union president of the local 277 that you pay dues to? I have never seen 10 year term more expensive than the type you guys try to sell. You seem fixated on just one type I wonder if you ever worked at AIL, or if you did were you trained enough to know all the options. Again, you demonstrate the point about being uninformed. Altig International - American Income Life are dedicated to helping their associates achieve their dreams, and will not allow a legitimate complaint to go unresolved. It is simple to do. I work for American income life and am proud of the products they offer. I would hate to see someone miss out on a "Life Changing Opportunity," because they read the comments of people who will continue to be falures at everything they try in life unless they are willing to change. If approved by the Insurance Committee, then the full NEC will vote for or against approval. American Income Life is truly dedicated to making sure ALL customers are happy. [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 . Wow what a great Union Product you sell, and what a bargain, $185 per year compared to your $2,230 per year. I have politely asked her 3 times not to bother us on Sunday nights. 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. Agents and managers work as independent contractors (so a 1099 is issued as opposed to . American Income Life is a Network Marketing company that uses insurance products as an operating front. With over 2500 representatives and millions of clients, American Income Life / National Income Life is bound to be the subject of a certain number of complaints about improper agent conduct, as well as product and administrative complaints.Rip-off Report's investigation found such complaints, but importantly also found that American Income Life / National Income Life is committed to resolving such complaints quickly and is doing everything possible to satisfy its clients and representatives alike. It allows anyone who is willing to step up to the plate and "take responsibility" for their own actions to be successful. Waco Texas Nationwide*UPDATE : American Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and submit to independent investigation. They hire their competitors from Combin*d Life to go around and illegally replace those policies. 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!!! Fort Worth TexasRip-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. Most of the $8Billion will never be paid out. They are all doing fine without NILICO. 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. Waco Texas, Nationwide, National Income Life Insurance Company Of New York What to do? I have repeatedly requested documents regarding the initial policy started in March 2000, and a SPEEA numbered memo 03-058 regarding the AIL arrangements with SPEEA, and /or any document showing a waiver of premiums, or specific authorization for [ ] to sign. Waco Texas, Nationwide, American Income Life Bill Heath Agency misleading hiring practices dishonest sales indifferent management Jeffersonville IndianaRip-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. 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. Since the guy guy at the door does not earn a W-2 paycheck where do you thinks his income comes from, that's right from convincing you to sign tonight so he can make his 100% commision check. From what I remember you had some legal problems yourself. 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. Feel safe, confident & secure doing business with American Income Life excellent business opportunity. This company has changed my life, I hope you are willing to keep an open mind and not "Buy" into this B.S. The closest hint I got from the two secretaries is that they pay 95% of reasonable charges in that area. Obviously he had a quota to meet and did not care if he wasted my time and gas. Click Here to read other Ripoff Reports on American Income Life TRUSTED Business | Verified businesses you can trust. 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. Or is that for the real insurance companies? American Income Life Engaged Employer Overview 4.4K Reviews 5 Jobs 1.6K Salaries 1.8K Interviews 709 Benefits 92 Photos 720 Diversity + Add a Review Employee Review See All Reviews ( 4413) 1.0 Former Employee, less than 1 year SCAM! Rip-off Report Investigation: American Income Life / National Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program. OK, 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. Say we owe over $22,000.00 for the rest of their so called contract !!!!!! UNION LABOR LIFE IS AN INSURANCE COMPANY THAT MARKETS INSURANCE TO UNION MEMBERS JUST LIKE AMERICAN INCOME LIFE. American Income Life Insurance | Ripoff Report Verified businesses you can trust. 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. Yes, I worked there Ricky, I told you I was presented by some of the best Liars in the industry and that is where I met them. Rip-off Report has the evidence. The BBB lists a complete of 227 closed complaints against the business previously four years, 90 of that have been closed within the past 12 months. All business will get complaints. Sounds like a real union brother to me. 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. They are the ones taking your money already. Is all they needed was someone with power in your union to sign the form letter. Drug Rehab Deception Addiction Treatment Industry Rocked By Fraud & Abuse. Copyright 1997-2023, Ripoff Report. 5.Pruc* Tom, for those of us who know you, it is obvious how many "alter egos" you have posted on this website. National Income Life Insurance Company Of New York, Ripoff Report REVIEW: Altig International & American Income Life, Altig International, American Income Life, American Income Life, AIL, Altig International, American Income Life Insurance Company - The Geneser-Geneser Agency, Rip-off Report Investigation: The David Zophin Agency & American Income Life, National Income Life Insurance - American Income - Local 277. Who's crazy enough to start this website? In addition, American Income Life is rated A+ Superior by AM Best, the organization recognized by th, American Income Life ripoff St. Louis MissouriRip-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. Each type has its advantages and disatvantages,. I thought we were not supposed to talk about the criminal records of those that we work with? Commitment to customer satisfaction, positive rating for its customer support from Ripoff Report. American Income Life Insurance Company is a 100% scam. Sure Richard, just how much can you sell that $500,000 term policy for? Corporate Advocacy Business Remediation and Customer Satisfaction Program. One of the reasons why Insurance agents are licenced is because we have to learn all the different products avialable and what suits each member's needs. Important: Can you think of any conditions where the 10 year term would be a wiser choice for Mr. Doe at 35? They better have solid proof as to why they are refusing to pay the 95%. The David Zophin Agency & American Income Life pledge 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. 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!! Including this Report below! Why Ripoff Report will not release author information! That is one reason why we work jobs that have benefits to help protect our families from emergencies as well as illnesses. I was the youngest agent there. American Income Life TRUSTED Business | Ripoff Report Verified businesses you can trust. DIG OUT YOUR LETTER THAT CAME WITH THE CARD. See links I've attached. The reality is your company focuses on making a killing on its whole life (funeral) benefits. MY ADVICE TO YOU IS THIS. 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 re. You either notify your union or American Income or National Income. 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. 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 are in reality collecting na Kissimmee, Florida, AIL Insurance Company Do not buy insurance from American Income Life Insurance Company ,AIL, Waco Texas, Globe Life and Accident Ins Co Company Will Not Pay Death Claim Oklhoma, Oklahoma, SABRINA LLOYD & ASSOCIATES manipulating thief, stole $5000+ from me; tyrant, bully, threatens agents with their contracts to save herself, coward; Greenwich, Connecticut, New Dawn Industries,Inc. Currently, this company is owned by Torchmark corporation which is a financial services holding company that is listed on the NYSE (New York Stock Exchange ). Want to know what happens to Mr. Doe if he wants to buy $500,000 term through your company in NYS at 65 ? All rights reserved. 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. Most of them work somewhere else now after they figured out the truth that you are trying so hard to avoid. I wish I worked for your union. I'm trying to hire new guys to make up for all the ones you are pushing out the door and mocking. I don't think they have been working for our union for 4 years, I believe it was 2. 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. In the 2020 census, the state had a population of 10,439,388. 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. Write back for us to see what the cost is. 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? ALL COMPANIES GET COMPLAINTS, BUT HOW THE COMPANY HANDLES THOSE COMPLAINTS, SEPARATES GOOD BUSINESSES FROM BAD BUSINESSES *UPDATE - Rip-off Report Investigation: Altig International has joined the Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and a Rip-off Report independent investigation. For Frank in regina -and ALL others look closely at your life policy, Please look closely at your life policy - 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". My calculator says they should have paid the hospital at a rate of 95% as the contract says, $875.18 leaving me with a bill at 5% equalling $46.06.I got screwed out of $516.62. products. Does the union post warnings that one hospital may charge more than another so compare ahead or don't go for treatment at known expensive hospitals. 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. Rip-off Report found that All but 2 Rip-off Reports about The David Zophin Agency were posted by the same person. If you are so "smart", why do you continuously RUN YOUR MOUTH with all false names? 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. 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! AIL Northeast, David Zophin Agency ripoff - ruining more lives for his own financial gain 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 - NOTICE: *UPDATE December 1, 2006. The fact of the matter is, you can't get another job. 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. The interview process was very misleading. The management/leadership HAS been honest and supportive. my experience has been very, very positive. American Income Life is rated A+ Superior by AM Best, the organization recognized *UPDATE December 1, 2006. This is starting to sound like a confession for my sins and an act of contrition. Do you want people in solidarity to think you are a union brother like them? |, Check your search kayamerican income life. Tell us has your experience with this business or person been good? 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??? I received a call from a Charles Byrd of American Income at my home. 31 2 Comments Like Comment Share American Income Life: AO 160,762. loans and the funeral instead of just paying for the funeral. In the course of my research, I came upon the critical comments posted to this site, and was scared to death. American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. Most commonly, the criteria for evaluating . Waco Texas Nationwide*UPDATE : American Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and submit to independent investigation. 1.Linc*ln NY I don't lie to my hires or my clients and would never encourage that. 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. Life, regardless of your union to sign the form letter with the.. Purchased NY Life/AARP Life Insurance | Ripoff Report Verified businesses you can trust importance and they have. Few days ago your Life, regardless of your Life, american income life ripoff report of union. '', why do you want people in Solidarity to think you are trying so hard to.... 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