American Income Life AO

The dialing scripts are OK but it's a 16 page hour long for a presentation. And you have to have Zoom paid for out of your own pocket. 

 The "Free" leads are not for insurance , they are for a bait and switch like a veteran Burial Guide & Will Kit. So you ask them about their family, tell them the VA will not cover all of their Burial ( which is true) , then fear monger about probate without delving in to state specific probate laws. And to make things worse a lot of these leads will not be from a state you are even licensed in so you will have to pass them off .  

It's slimy and it feels gross. 

The worst part is the compensation.  Your Contract will not be activated until you sell or someone sells a policy under your agent number. 

Until then you will be a dialer and only be paid 10% by one of the other agents if you transfer a call that happens to be a sale . Which is ridiculous because most of the time they will be uninsurable or not buy . 

You are free labor & and you watch management go on lavish trips to Hawaii & buy expensive cars . 

Don't touch it ! Run ! 

This was an amazing opportunity it just didn't work out for me. It's a cold calling position, commission based. Which is challenging, but comes easier to some than others. The hiring manager is an awesome human being and she is so helpful,kind,understanding, and motivational. The flexibility for work hours was great, and working from home with kids is a bonus. Everyone I worked with was kind and informative. It was just challenging to get money coming in quickly enough to keep up with bills. If you gave the patience and time and aren't worried about piling up bills this is a great opportunity for you. The company is great, and bonuses are fun challenges. No benefits.

This company is a subsidiary of Globe Life dealing with Unions. You don't cold call but the leads are mostly recycled to the point that people get angry that you are calling them. I feel like I didn't receive much training or knowledge about our products but it mostly depends on who your training manager is. Always ask questions to better educate yourself. Make sure you dedicate 10 to 12 hours every day for calling leads and meeting clients virtually (which is what most agents do to get a livable paycheck) It can be a fun and great place to work if you put in time and effort. They do weekly bonuses and rewards for good google reviews which is a plus but you have to get the sales to receive them. Not a place for me.

The people you work with are so nice and really great individuals.  You will be friends with most of them.  But the role itself is not as advertised.  It's under a few different names, but it's essentially a Life Insurance Agent (which is a sales person).  You are dialing constantly to try and get someone on the phone to sell to.  However, the leads you are given as a newer employee are dried up and not going to get you anywhere.  New leads seem to be at the hands of the leaders.  So try and shadow them and dial their leads if you can.

A lot of memorization and understanding. Work place is professional. I have still to see a paycheck and I have been training for three weeks and I have only earned $25. Has flexibility. Job security.  Hardest part memorizing scripts. Some say understanding scripts is difficult.  I understand scripts very well but I find memorizing scripts extremely difficult. there's some 14 page scripts 

Below expectation on training, expectations, and working hours. Uplines can be very harsh and demanding because they expect everyone to get it up and running in a week and start hiring new recruits to see who’s going to stick around 

I absolutely love working at AIL/AO! There is a ton of support from everyone and they provide great training. There are a ton of resources to advance your career. There is so much to learn and they help you every step of the way. 

What is the best part of working at the company?
regular agents get exhausted leads and guys at the top get the leads regular agents work for down at the bottom of their organization.

What is the most stressful part about working at the company?
No communication, no plan, exhausted leads with bad phone number.

If you are a favorite of the leaders you will go far. If you are not, well good luck figuring it out on your own because that is what will happen if you are struggling at all. Hopefully, you are put with a good leader. If you are a favorite they may even call a personal friend to help you write your first policy. 

Little support from upline, but it truly depends on the agency you're with. Mine isn't that great and they're not very hands-on training like I was promised. Mostly cold-calling leads who requested basic info and are now getting clicked into likely something they need but weren't expecting. It's a tricky environment overall.

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