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. I assume you now have a good job with great money and benefits that allows you Beware ! Pie in the sky crap or legit employment opportunity ? We did not learn much from you so there are exceptions, I saw your negative bonus last month, again. Things for the novice to consider. I was warned 8 years ago about AIL by the union leadership. 3. Nevertheless, as a consumer, and AIL Policy Holder, I was wondering if you could answer Jimmie's question ? Argentina Australia Belgi (Nederlands) Belgique (Franais) Brasil Canada (English) Canada (Franais) Deutschland Espaa France How those businesses take care of those complaints is what separates good businesses from the rest. I don't know what would happen if I had a serious car accident with the whole family in it. Advertisers above have met our Another person in the group, Alfred, said he was told it was a management position with no mention of selling. 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! Everyone knows a John and Jane Doe in those ages with those types of bills and children that need that much protection and only a fool would spend that much money for a $7000 whole life product because after the funeral there is nothing left but the bills, and the house and other things to sell. Are they paid that way? Is American Income Life a scam? They are always looking to blame "others" for their failures instead of looking themselves straight in their own eyes and say "It is me, and nothing other than myself who is responsible for my own results." 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 cannot think of one example where it would be in the consumers best interest to purchase a 10 year term from NILICO or AIL. I got back $400. Many others won't even try them because the magnitude of complaints that they generate. I want full disclosure! See links I've attached. Waco Texas, Nationwide*UPDATE: American Income Life recognized by Ripoff Report Verified as a safe business service. 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. You are hired under the idea that the chances of having a succesful carreer are very high, that everyone can do it, and that you need no sales experience. 31 2 Comments Like Comment Share American Income Life: AO 160,762. You referred to it as your company.Even though this poor fellow never had a chance to meet you or sign for his benefits. Again most don't die accidently. MY ADVICE TO YOU IS THIS. If not why not? I bet you have seen hundreds going through the revolving doors. American Income Life / National Income Life provides products and services through independent representatives, and has been providing benefits to families for over 50 years. I work in the Middletown office and I'm ashamed that we hired a person with a work ethic like joel. 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. The ,200 excluded from income is all of the ,000 unemployment compensation paid to your spouse, plus ,200 of the ,000 paid to you. Has someone actually presented the options available to you or are you basing your comments on some other information? READ: Foreign websites steal our content, Click Here to read other Ripoff Reports on American Income Life. As a licensed sales agent you know that the law does not require him to sign for the policy, his union did, he is merely an insured like any other union member from his union. I doubt that as well, you were probably told aout them in your sales meeting. 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. 72 %. Copyright 1997-2023, Ripoff Report. Lees Summit, Missouri. My wife fractured her finger in the past, and as promised, a cheque for $200 was mailed to usbut once again what if I die? Do you know the name of your union steward or union president of the local 277 that you pay dues to? Try a general search or read the suggestions below. We have a number of term benefits available ranging from 4 years, all the way to term-to-100. Has Mark Colbert.c*m, private investigator assisted in suing them? And oh by the way, look at these great benefits I have here in my bag, your union sent me so they must be a great deal. I for one will tell Durhon what you told me. [signed by SPEEA General Counsel ] According to http://www.markcolbert.com/banner.html, life insurance investigators were investigating American Income Life Insurance for, among other things, agent training procedures. Does 10 years sound like enough? Did my Union official know that they won't sell one policy without the other but yet after buying both I can chose later to cancel the expensive one and keep the more valuable one. It is simple to do. Rip-off Report recently discovered that All but 2 Rip-off Reports about The David Zophin Agency were posted by the same person. Of those about 1/2 will set an appointment and out of that about 1/2 will understand they needs presented to them and sign on the line. Their "code" word for their way over priced "WHOLE LIFE" insurance is "FUNERAL BENEFIT". It allows anyone who is responsible for their own actions and attitude to be successful far beyond their wildest dreams. This is starting to sound like a confession for my sins and an act of contrition. My husband . Why isn't my local 435 benefits paying these other bills relating to these accidents? 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. 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. He told us all the great things that these new union benefits will do for us union members. Copyright 1997-2023 Ripoff Report. American Income Insurance / Torchmark Corporation. However, by participating in the Corporate Advocacy Program, the member business has made a commitment to working with its customers to resolve complaints quickly and fairly whenever possible.Please keep in mind that as a consumer you have some responsibilities as well. American Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. I also agree that this should be brought up in our next union meeting. Rip-off Report recently discovered that All but 2 Rip-off Reports about The David Zophin Agency were posted by the same person. After all your union wouldn't send a rat to your home if they knew they were a rat. Is there a clause in the contract that says if NILICO pays any I have to pay 100% of the bill? The Philippines (/ f l p i n z / (); Filipino: Pilipinas), officially the Republic of the Philippines (Filipino: Republika ng Pilipinas), is an archipelagic country in Southeast Asia.It is situated in the western Pacific Ocean and consists of around 7,641 islands that are broadly categorized under three main geographical divisions from north to south: Luzon, Visayas, and Mindanao. Once again, get over yourself. 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. DIG OUT YOUR LETTER THAT CAME WITH THE CARD. 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. I hope I can trust the union to do the right thing and if they don't there will be legal action taken. this program works. In addition, Americ, 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 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. 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. Lets use the $2000 figure to be nice and divide your $1.5 million by $2000 per accidently dead union member and you will see a figure of 750 dead union members approximately. In the course of my research, I came upon the critical comments posted to this site, and was scared to death. It allows anyone who is willing to step up to the plate and "take responsibility" for their own actions to be successful. * misrepresentation income, benefits, job duties, and advancement opportunities Or were you there for a few weeks or months and the quit because you were not able to be sucessful. 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. Bogus Celebrity Advertisements FACE & Skin CREAM Ripoff! 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. I believe someone with a record like yours has no business throwing stones. Ripoff Report | Complaints Reviews Scams Lawsuits Frauds Reported. 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! Is there name or phone number on your union card in case you have any questions about your union benefits? How many attorneys do you have threatening everyone again? Lets look at the $8 Billion no cost accidental death benefits. Read our investigative Report and American Income Life / National Income Life's commitment to 100% consumer satisfaction. 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. Ripoff Marietta GeorgiaRip-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. And yes they make profit on that as well. See links I've attached. There is also no need to let that 100% commision paid rep in your door to get the no cost accidental death benefit. The local hospital bill totaled up to $921.24 and my union Local 435 only paid $358.56 (38.92%) and sent me a bill for $562.68 (61.08%). I have been with AIL for many years and have read many similar "assinine" stories and complaints about this company. Find more than 109,125 complaints| Ripoff Report Ripoff Report Needs Your Help! 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. 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. They receive no salary. Before I begin, let me say that the opinions expressed below are mine and mine alone. Here it is about $135.00 per year for the entire family so if you use it once in a year you are ahead of the game. The 30 year term is still $1,700 per year cheaper than the union 10 year term per YEAR! ALL COMPANIES GET COMPLAINTS, BUT HOW THE COMPANY HANDLES THOSE COMPLAINTS, SEPARATES GOOD BUSINESS FROM BAD BUSINESSRip-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. Can you think of any conditions where the 10 year term would be a wiser choice for Mr. Doe at 35? Since that time, in November 2004, I notified SPEEA that the Washington State Insurance Commission Investigator has determined that AIL was in apparent violation of State Insurance Codes, and that her department had no authority to contact SPEEA. Some background on American Income Life: they are partnered with members of credit unions, labor unions, associations, and private policyholders. American Income Life Insurance | Ripoff Report Verified Safe. Most reputable insurance companies have both types available. American Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. I have seen 8 people come and go since I started. All rights reserved. American Income Life / National Income Life provides products and services through independent representatives, and has been providing benefits to families for over 50 years. Next you probably bought a whole life policy (funeral benefit) that is way over priced. IF YOU WOULD CHECK THE LETTER YOU RECIEVED WITH THE CARD, IT WILL BE A LETTER FROM YOUR LOCAL UNION. That was 2 years and Thousands of dollars ago. Is this guy calling from my Local or some local nobody has ever heard of and has no idea where they are located? Why pay a bunch of middle men? I notice that you seem to be on this report dozens of times. One thing you or I don't have is a job, just a contract. In fact, I can clearly remember one union member who passed away after responding to his union's benefits letter, naming his wife as the beneficiary. No wonder they all wonder what their dues go for.So, just from those lies, I know to stay far away from this company.Greg Omaha, NebraskaU.S.A.Click here to read other Rip Off Reports on American Income Life Insurance, This report was posted on Ripoff Report on 03/11/2005 09:14 PM and is a permanent record located here: "So, they deliberately are deceiving union members. Repackaged from Purchased from Amazon, stealing all certifications and false manufacturing markers from the packaging of NB food supplements. Benefits Specialist (Former Employee) - Remote - February 2, 2023. 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. No one forced "Joel" or other people to come aboard. Customer Service Rep (Former Employee) - Waco, TX - February 22, 2023 This was the worst job I have worked for. But during my research, I discovered that. I live in SK, and I have policies with AIL - I just want to make that clear- If at any time Mr. Doe got cancer, heart problems, kidney, diabetes, etc. The document had been signed by [ ] as a SPEEA Officer, which she was not. Waco Texas *UPDATE: American Income Life / National Income Life join Ripoff Report Corporate Advocacy Business Remediation Customer Satisfaction Program and submit to independent investigation. American Income Insurance / Torchmark Corporation. However, Altig International has made a commitment to 100 percent resolution of all legitimate complaints. strict standards for business conduct. A funeral benefit of coarse, if you died of cancer or a heart attack the no cost accidental death benefit is worthless! American Income Life - Zophin Agency ripoff Warwick Rhode Island - - NOTICE: *UPDATE December 1, 2006. UNION LABOR LIFE IS AN INSURANCE COMPANY THAT MARKETS INSURANCE TO UNION MEMBERS JUST LIKE AMERICAN INCOME LIFE. It is a total SCAM. If you are considering a position with American Income look at the position carefully, with eyes wide open. Get over it? 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. It offers life and accident insurance, as well as supplementary health products. ALL COMPANIES GET COMPLAINTS - HOW THE COMPANY HANDLES THOSE COMPLAINTS SEPARATES GOOD BUSINESSES FROM BAD BUSINESSES. If so where do I sign up? To Richard I do not doubt have more extensive knowledge about insurance. Estimated amount consumers saved since 1997: $15,590,010,907. A Rip-off Report independent review has shown that the The David Zophin Agency & American Income Life insurance sales process and products they sell are 100% legitimate - to be expected in a federal, state and provincial regulated industry. If you are implying that this kind Insurance company pays more than what the policy states I would not believe it for a minute. He also promised nobody would bother us again since we had the full family package there was nothing else they could add. If a member is approached by an insurance salesman who says he is working for the union, the member should beware and report this to the Local. Including this Report below! tom co**lly how many "alter egos" you have posted. Consumers love to do business with someone that can admit mistakes and state how they made improvements. Ripoff Report will go after anyone found posting Reports like this. 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. Commitment to customer satisfaction, positive rating for its customer support from Ripoff Report. I currently have insurance through them, and still have the accidental benefit that pays out $200 for smaller accidents, along with whole life insurance. Maybe their phone calls went unanswered or their accident claim was not paid. I think they were called Combined something or other. American Income only provides customer support during business hours. American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. Rochester New YorkRip-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. There are no products or services that will always be perfect for everyone and even the best companies will receive complaints from time to time. That is just a lie to get a slippery sales agent in your home to scare the he_l out of you and get you to buy more. The truth always shuts up a story teller from AIL / NILICO. Commitment to customer satisfaction, positive rating for its customer support from Ripoff Report. 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. American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. Consumers educating consumers. . 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. Pros & Cons are excerpts from user reviews. I work out of an office in Maine, and perhaps, like most large companies, different offices reflect different leadership. Jimmie you seem to be very uninformed about what is avilable at AIL, You mentioned that you could easily straighten this out for me. Commitment to customer satisfaction, positive rating for its customer support from Ripoff Report. 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. What law says I have designate my beneficiary? It is a small world isn't it. It always come down to the same thing for people like "Joel," they are never willing to look themselves in the mirror and take full responsibility for their own actions. Well, American Income does not even sell that policy! ..let them know and let us know! At 58 you could still buy $500,000 10 year term for only $11,935 per year, $994.58 per month or $32.70 per day. American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. 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. READ: Foreign websites steal our content. Has your experience with this business or person been good? The father paid $200,000 above reserve at auction to secure the Sydney waterfront property so his child could live close by. Waco Texas, Nationwide, National Income Life Insurance Company Of New York What to do? A Rip-off Report independent review has shown that the The David Zophin Agency & American Income Life insurance sales process and products they sell are 100% legitimate - to be expected in a federal, state and provincial regulated industry. American Income Life has remained actively engaged and improving the way they address customer service complaints. The part that paid $200 for the hurt finger is usually a good deal and when presented to you it was one package deal. this program works. 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. Consumers can feel safe, confident and secure doing business with American Income Life / National Income Life an excellent business opportunity for people who like people and like to make money New York Reason For Parent Company New YorkRip-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. https://www.ripoffreport.com/reports/american-income-life/nationwide/american-income-life-scam-complaints-review-american-income-life-national-income-life-38805.