The letters we send out literally say if you want supplemental life insurance to fill out this form and send it back no bait and switch. Yea some recruiters might over exaggerate but not all of them do that. The guy who recruited me makes over 500k I know this because I saw his tax returns. He said first year I’m looking at making $50k. There hasn’t been a single word about recruiting other agents or trying to recruit the leads since I started training. There are a few bad apples in every insurance organization, but if you have morals and a good work ethic you can be successful anywhere. This is the only insurance company that’s ever offered me free leads and 1 on 1 training like this.
I’m currently in the hiring process of AIL. And my recruiter was completely honest about how difficult things would be in the beginning, and I did actually get a script to memorize and follow. He explain how much I could possibly make in my first year, and it was not as high as 100k. But he did say there is an average of possibly 50k. He was very transparent about the process and how they do things, and ask if I was interested.
My recruiter was honest and upfront as well. He is a retired police officer. He did say there will be a grind at first and I will be a "glorified phone setter" till things take off for me. I want to back out, but I remember all the hours I sacrificed to get my license. Its like my Dad said "Son, the only thing that beats a failure is not trying". Good look fellow AIL teammate and may God show favor on your business.
My foot was ALMOST in the door with AIL. Got my Life license, I was all excited..until they used the bait and switch tactic on me before signing any contracts to be hired. I immediately knew if they were doing this to me (an agent who wanted to be hired) then they'd likely want me to do the same to others. I walked away.
Did you have to sign for union dues? I too just got my license and found it odd to be interviewed before I applied for the position. I assumed I was already hired after continued communication in taking the course and paying for licensure. I originally posted my resume on a third-party site, I thought that was the application form. I don't know what to do.
@@hannahdarnell1580 I just paid for the course/whatever the heck after saying I wanted to take the job. So does that mean I'm not hired?? I'm still skeptical about this job so I'm putting out other job applications for other places that aren't insurance related.
I have a second interview via Zoom tomorrow which I will be recording. They are now using AO International and calling the position "benefits coordinator" I'll let you know how it goes.
I just started with AIL and they seem OK. No bait and switch that I have seen, no focus on recruiting and no high pressure sales tactics. It seems legit but again I am just starting off with them. So far the training has been good and I should be able to start making money right away. Thanks for the video.
Heyo, I'm glad to find someone else in a positive mindset about this cause I've fallen down a rabbit hole of negativity surrounding AO/AIL. Ive still been training so far but the team I'm with seems really understanding and from what I understand it's kinda up to the personal team you end up with that determines how it will go. Im not really here trying to make 100,000k or any crazy numbers, just more than minimum wage was making me. The folks I've talked to in the company and in my team so far have all been positive and had similar experiences with making their first sale in a week or two after getting their license. Hopefully everything works out for you and I both
@@tytaniumhowl keep the same work ethic. you will need to i quit today. its a work and egodrive. i wish you the best luck this company is terrible. they care about quantity not quality. time is precious. i wish you great success.
That definitely has not been my experience with this company. The issue is that agency owners may operate there businesses differently. The PR team that build the relationships with the Unions actually forbid some of the tactics that I am hearing here. The Union provides benefits, the agents job is to go over those benefits, you discuss the need for life insurance if there is a need. If there isn’t one then it is not a problem. You are never to do high pressure sales or sales tactics. That actually against what they stand for. Bad actors will always make the good ones look bad.
Yeah I highly disagree. I was definitely pressured to sell insurance regardless of need. Most of my leads were retired people who would be paying a grand a month for whole life. They *required* me to give them a list of family and friends as leads, and they absolutely gave us "free" AD&D and child safe kits solely for customer information for new leads. That information immediately went into the lead packets even if they explicitly stated they have no interest in life insurance
This is exactly the same experience I had with AIL. I was sold on the fact that you were given leads that were free based on the marketing efforts they did to receive them. Once you get into the training you see realize it was nothing more than the bait and switch. I knew it was going to be a hard pass for me at that point. The salesman was really good at selling me on the commissions earned by others just as the guy mentioned and it was complete BS. I’m sure there are some that are doing well but not many using that tactic. One guy that seemingly was doing well had telemarketers to call on his behalf and set up the appointments for him. I’m not sure if they were upfront about what the call really entailed but we were told he had great sales in the meetings. However, knowing how they operate now I wouldn’t be surprised if it was a complete lie. The beginning to a complete waste of time. I could go on with my current situation as well that I am finding out is another ploy on a different level that is equally disappointing. Bottom line is you better be ready to do the work and beat the pavement like the good old days! It’s not for the weak and lazy. PS Buying leads is a bunch of crap as well!
Nothing wrong with buying leads from the right source. However, generating your own leads is best case scenario. Buying and generating leads are a game of their own.
I Made 130,000 in 2023 and started in March. Have made 100k YTD in my second year YTD (2024) I’m with AIL AO (altig) Majority of this is from personal production. The work has to be done, but 100k in this business should not be difficult considering you can make 700-1500 each sale with no lead cost.
Globe AIL. Is not a scam or a bad job, Is it hard job or hard to adjust yes ? But at the same time it is easy and simple you gotta do the work like any other job
@@malikasalokhiddinova8737I worked there for some time. Tbh it depends on your personal team. I also do believe the leads are trash, but understandably so because they’re free. I think you’re better off selling insurance as a broker so you’re not tied down to just one product.
Same here. I’ve been with AIL for a mere two months. Got promoted within my first month! Not saying it was easy by no means. As far as the leads go, they are “warm leads” and we have different types. The union member leads actually have nothing to do with our child safe kits we offer (at no cost). Our union, association, and credit union member response cards are filled out and based on an AD&D life policy for different benefit amounts. The members nor the unions, associations and credit unions pay anything for these policies. If the unthinkable were to happen, AIL pays out the policy as agreed upon. Everyone we visit with gets the same no cost benefits and an opportunity to enroll in optional benefits. I personally don’t pressure anyone to purchase life insurance. Insurance is something either someone wants or doesn’t. If they want it, 9/10 will buy solely based on the agent in front of them. If they like the agent and trust that person, they will buy, if not, then they probably won’t. It’s just that simple.
@@jaysondeville3000 Getting promoted to a Supervising agent is the easiest thing. With a week or two of decent business written you are told you are doing well and blah blah blah. After one week of writting $6k ALP which is nothing, I was "promoted". The goal is to get as many people in the door as possible and keep the offices staffed and mask the revolving door. I think a good indicator is how the name "Global Life" has been used instead as AIL. It has a terrible wrap. If I had to start over, I would of went with a reputable company that actually sold a variety of products with out the sharade of Child kits, and the "Gift" og $2,000 AD&D policy. But we live and we learn.
What up with these bad reviews?? I’m scared now. I have my test Saturday and put this effort in it and I have a child on the way and a toddler. I can NOT afford for this to be bullshit. Please tell me y’all are doin fine. Cause I was super excited and they seemed so positive and upbeat about how well I’m goin to do.
@@lyndsytacquard7558 same i got hired today and i dont know if it worth spending time, money and effort. Did you have to purchase a license in order to be able to work? if yes let me know if its actually worth spending money on
I also work for AIL and I think this guy is wrong. The letters do include that they have the chance to qualify for the permanent life insurance benefits. We have to be transparent.
I’ve been with AIL for about 2 months. Within my first month, I made my required milestones and got promoted. I don’t pressure or use any kind of bullying tactics. Exactly like the previous comment stated, one of our no cost benefits we offer is our needs analysis survey. Based upon you basic medical and household questions, we build a plan to supplement any gaps in your current life coverage. I show them their options and simply ask yes or no. If it’s too high based off what the needs survey suggested, I then custom make them a plan to better fit their needs. A client will buy the agent before they think about buying the insurance. If the people here that talk bad about AIL because they did not make sales, it’s probably not the company’s fault or the way they do business, it’s more than likely, the agent just didn’t seem confident in the products they were presenting and they weren’t perceived as a trust worthy agent.
The only funny thing that I find about this is how easy I got the "job". I had gotten life and health licenses to try to enhance my skills. The training is good, and I do not thing they are scammers but it is a multilevel business. This is really for people who really love sales.
dont bro. stay out. dont just watch one youtube video and get the full opinion formed... stay out them streets bruh and get some legal money. theres way too much out here to get. and globe life with the people that im working for, didnt do this "bait and switch" tactic. theres far more info on this company and others that would sway you either way, and the bait and switch tactic is by far the least scary part about working for the wrong people. Just depends on who you work with, and if youre ACTUALLY work for.
I work with AIL since March, and made more than 100k so far. Instead of finding someone to blame your failures, just own up to it and admit maybe the job just wasn’t for you. It takes HARD work. It’s very possible. You do NOT have to recruit to make good money here, my first month with no team I made over 20k. You don’t recruit your clients that say they can’t afford it. This guy more likely was with a terrible team and didn’t work for him. But it works for myself and ALOT of people I know.
First of all, this commentary is on the child safe ID kits which is one market type American income life serves They serve the unions credit unions veterans markets and no cost law will kits. Anyone who decides they "dodged a bullet" after watching a very jaded one sides youtube video, doesn't deserve the opportunity because there are agents making a lot of money from home and the policies are actually very good..no one complains when they need to make a claim.
I worked for ail for one year. I sold about 28000 alp in that year. Didn’t make much money maybe about 1200 a month on average. However I was living abroad working online and it was the only job I could find that I could work online out of the country. So overall I’d say it was alright. I wasn’t really the best agent. I’d say the people who are really talented salesmen/people person would make 2000-4000 a month but that’s only the really hard working/talented. I feel the leads actually weren’t that bad but that’s just my opinion I had got a new Sga who was buying fresh leads so that might have made a difference.
I need help trying to cancel my insurance policy with them and i noticed going through any paper work that i have. I can't even find a policy number. Do you think it will be easy to cancel an insurance policy with them or no? I'm willing to accept that i probably won't get back any of my money.
This sound like a lie. You need a license to sell insurance and you get the licence based on where you are i.e state/province because their laws differ. Yes its a fully remote job and you can move somewhere else temporarily but your main location is important. And buying leads?? Nahh I dont believe this and I'm sad for those who fall for this
Yeah this infromation is incorrect, NO bait and switch- it CLEARLY states on the forms that they fill out, they have access to life insurance options and that theyll be going over them.
Reminds me of the "leads" I got when I briefly tried walk in bathtub sales. They advise Medicaid "may" pay for your walk in tub. They know this is false. Then they send out an agent who is 100% commission to these appointments. The clients are not home or are expecting something free. They have this routine where you are supposed to spend 4 hours on the sales process wearing them down. The tub starts out at $25k. Then they offer last years model for maybe 15k and offer financing. It's a very difficult sale and even if they agree, they may get financing denied. Horrible business model, but they are making a killing.
Not many agents hit $100,000 K / You do not try insurance-insurance try’s you / There is a lot to learn/ I worked for a company that gave us a salary and benefits. Also we had a book 📚 of business and was there long enough to get vested - Western Southern Life
I totally dodged a bullet with this company. I did some research ahead of time and watched an earlier DIG agency video on this. I also wish to point out that lead vendors when buying leads use bait and switch tactics that are less than truthful or ethical and end up being an embarrassment to the agent when you reach out to what you think is a bonafide lead.
If you’re interested in getting into the industry…DO NOT become a captive agent. Become a broker and sell multiple different carriers. I was at AIL and it was terrible. Yes, some people succeed, but cmon man the leads are just terrible. The managers just drop you off and hope you do good and give you NO TOOLS to use to up your business. I’m with a new startup brokerage and i already made more than i ever did with AIL. Plus, i can actually get people the policy they need, not overcharge them and put them in a system where they’re gonna get 20 calls a day from other agents trying to sell them more insurance.
It's Insane how long it takes to get ur refund back I been waiting 30 days an I didn't even want the insurance an they took it out of my account without my permission an now gotta jump thru all these hoops to get it back
If only this video was available a few months back when I joined AIL. Such a set back... Using bait and switch tactics for people that requested "Child Safe Kits" and "Will Kits" or convincing union workers that we were there for them and that we were part of the union.
What area did you work in? I am in the Toronto area and just had a phone interview this morning. The biat and switch is true? and selling those who object to serives on the basis income are given a backup work for us pitch? I'm really curious about your experience. I'm trying to weigh the pros and cons now and would like to hear from first hand experience
@@ryanracioppo6865 sorry for the delayed response. I did not receive a notification. I worked at an AIL out of Braintree, MA for a very brief time. I basically jumped ship as soon as their true colors were exposed. First, you're 1099'd and commission yet they hound you to be dialing at the times they specify (not sure how the pay structure is in Canada, however a company cannot tell you what to do/when to work when you are 1099 and commission). Second, they take people that requested a "free" Will Kit or a "free" Child Safe Kit and they call them to do a two-call close meeting. They attempt to sympathize with you for your desire to get whatever free pile of crap they are peddling. Then they end their sloppy presentation with a grab at Life Insurance. Quite frankly I do not even believe someone gets the free item they requested unless they go through and agree to buy the life insurance. It is a terrible scam. Stay far away! Stay away from AIL, WFG, FFL, SFG, etc.
This very interesting, a lot of people defending Ail as a top MGA. It’s good to see the company is completely under fire right now. But they’ll tell people nothing is wrong
Been in the industry for a minute and I noticed that it comes from the recruiter and it's not about the company there are a lot of recruiters that hype it up and say things that they shouldn't say which makes the company look bad, but that is the recreuiter and not from the company and its mission and vision to help people. Just my opinion. I have met some pretty messed up recruiters but the company did not support their behavior.
I was in a mlm before I didn’t know what it was. When they said “only commission” I looked up if it was an mlm and was very disappointed. I found out hours before my interview trying to decide if I should ignore the call or waste their time like they tried to waste mine
I felt like canxing my policy with them, mostly because it wasn't giving much and they kept yoinking money even after I called twice to try and stop the policy, only to get automated to a robot and said "OH yeah we'll get back to you, don't worry!" I immediately called my bank and just put a stop payment on them.
@RicterCasenger I’m having the same problem when I call in to cancel and they don’t send me the cancellation form what happened when you stoped payment
I would if I was you. I worked there 3 months untill I realized that they was lying to get union members signed up and it wasn't the child safe kit tatic they used. They'd call the union member who's union did give them a free $2,000 accidentally policy and they say they was calling to sign your beneficiary up incase an accident did happen and then we set up a zoom meeting and then that's where they try to sell you on everything else and tell you about the child safe kit and if you declined your beneficiary never got signed up incase you did have an accident. So there are all kinds of union members out their with a free $2,000 accidentally policy that ALI has no clue who to give to when something does happen cuz they DO NOT sign the beneficiary up, the whole reasoning you think you are setting up the zoom meeting for. So I'd like to know what are they doing with all that free money??????
@@jaredwitte1708 It no longer charged my account, they tried to send me mail about if they an't connect it to an account it will be stopped, so far nothing has happened and I'm no longer paying for a crappy policy
So am I lost or can you just create your own lead magnet and offer something someone may get use out of like a blood pressure log book. That’s what I would do. I have an interview tomorrow. We shall see. I didn’t think this was a big issue but I have been scammed before and done work for no pay.
So this seems to be about working for them as opposed to what I was looking for as a legit insurance company. The way it's spreading a web of 'beneficiaries' has me worried but still trying to navigate adult life with this being admittedly my first insurance I'm signing up for outside of work provided insurance.
I have been with AIL here in New Zealand for 14 years and I have never seen or heard of the stuff that you are talking about, not once. It seems to me that many of you may be looking for excuses to fail, to justify your own failure, so you blame others. Here in New Zealand, our financial services industry is very tightly regulated, and any sign of non compliance, and you are gone. I was never promised that I would earn a certain income, BUT there are people in AIL NZ that are doing very well thanks for asking. And I know it to be real as I have seen their Tax returns.
Hi I am currently an agent with AIL, last year which was my first year with AIL I made a total of 189,000. It's pretty much you get what you put in. They give you leads the train you by home office and you have support
Buckey is right... I also was conned into Joining AIL. I knew from the beginning that something felt "Off". Bait & Switch, Closing mentality with no true care for the customers needs... Such a BAD experience. Pathway to failure with BS leads that are Way Over promised! Do your research, I've since decided not to waste my life insurance license and go at this as an independent agent with ethical and moral values.
How long was your time with AIL? I'm considering the time and money. I have sales experience, but I need to get a license. I had an interview, and they told me I had the job but needed to register for my course and confirm that I had paid by the end of the day to reserve my place. That part gave me a bad vibe; when a company tries to put a sense of urgency on a significant decision like this, it comes off as manipulative. It costs $650 at the end of the day where I live for the course and provincial exam. The interview was alright, though they mentioned training, shadowing experience, and providing leads. Im in Ontario, so it is the Canadian side of the company. I don't know enough to say this company is an "MLM," but I will wait a bit longer before making any more of a commitment. Thanks for any input you have, I am doing my research!
@@ryanracioppo6865I’ve been in touch with AIL recently and just got past the “customer shadow experience” part. I’m supposed to do my interview after, do you have any updates as to if the company was worth it? I see your comment was of 2 months ago so I thought I would ask.
This information is incorrect. There is no bait and switch. Each member that fills out a request through their union, receives a letter from their union explaining exactly why they are being contacted and what is being offered in detail.
I would like to cancel my insurance policy with you guys because i can't afford the lowest form payment i am making right now. Any forms that i have i can't even find my policy number. Will it be hard to cancel my policy?
Having dealt with them for years, my opinion of A I L is that it is a scam and it employs grifters, thieves, and liars. If an agent shows up at your door with followers in tow, slam the door and call the cops and your state insurance agency. Do not have any dealings with AIL, you'll get cheated.
My kids' school is trying to get families.to sign up for this safety "kit".. the teachers are pushing this by saying "AIL is offering $1 to the school for every slip returned and a pizza party for the class that returns the most.". Yeah, they wont be getting one from me
@@sunrisewithsalmanot so much the hours, more about how many calls you make and how many presentations you get daily. The higher your numbers are the better off you’ll be. Be really consistent I recommend writing a weekly schedule
Currently working with AIL out of illinois with my temp license. So far my group has been nothing but honedt about this job. They told me its going to be hard and there is only a 5% chance of me sticking with it. The job is an absolute challenge, but is great for me. If I were to fail its a me problem. Their motto this year is you vs. you. Its all about what you make it.
@@BigToneOfficial exactly! Idk what this guy in the video is talking about. He should have known better to think something would be easy lol. I’m glad you’re taking on the challenge. Good luck up there 🙏🏾
How do you stop payment because i am having a hard time with that. All documents i have i can't even find my policy number do i just have my bank block them?
Don't let goofballs fool you. My manager just made 23k last month lol. Highest Paid Female in Agency. She makes 150k+ a yr on her 5th yr. First yr she did about 80k.
Call your bank and have the payments blocked. I had to do that. They owe me about $300. I filed a complaint with Better Business Bureau and hopefully they take care of it.
If you dont mind, state/province did you work with? I'm in Ontario north of Toronto, and wondering if others areas have different experiences. I talked with one of their agents about getting hired today, and they metioned a shadowing experience for a few weeks before going on the job. This is where I'd learn from another sales agent on their schedule; that could be a good experience. The license has me overly critical about the job; otherwise, I'd just be investing my time, which I can afford now. I'm considering what to do and taking everything I heard with a grain of salt, including what I heard from this video and the agent I talked to today. Is it true when they train you to sell people on working for the company? If that's true, then I am worried about the working experience and will reconsider. Thanks for any advice!
@@ryanracioppo6865so im currently based in Texas and im joining an ail organization right now i have a couple friends that have been part of the company for 2 years and they recommended me to join, the process so far has been smooth during the licensing process everything in total cost me about $200 $50 for an online course through excel, 50 for a finger print background check $40 for the exam and $60 to submit my application for my license. During the process i let them know iwas low on money and they didn’t pressure me to buy it right then in there and made sure it worked best for me. As of right now im going through a training which consist of script training, classroom training where I essentially role play a sales call and then sales training where ill be shadowing and assisting a manager agent until im able to present my own presentation
@@ryanracioppo6865also something to note is you do need a license to sell life insurance and while they will ask you to get it when you do eventually get it its owned by you and issued from whatever state / providence your in
@ryanracioppo6865 Hey any update regarding your experience with them thus far? I stay in toronto as well and just paid for their course yesterday to get certified but am a little worried after stumbling on this video
No body promised me anything lol! They said work hard follow the process I have a great leader! Poor leaders are poor leaders no matter what! This should read poor leadership never had to go for my family, nor friends! Lol no leadership letter! I was told referrals built a 1,000 referrals leads with none those leads in 5 weeks! I would love to be interviewed! I work with AIL. Never told people that if they have work issue/unemployment and pivot! Please interview me! None of these things occurred under the leadership that I work with!
Im completely torn rn... im 3 weeks in after passing out of training and my leadership has been very good IMO... However, I heard some recent news on chargebacks and if you quit, youre screwed because they'll bill you on all the advanced commission.... The leads are "bait and switches" with the burial benefits and will kit but havent been called out on that... Ive given 15 presentations and only 1 of them closing though... I have no idea what to do right now...
Holy crap!! I don't know how I found this video or how I got here...but I'm sure glad I have a good profession in healthcare and don't have to deal with this b.s. Best thing I can say is : go to school ...get a degree in a field that won't be replaced by AI..save your money.. get married....make children...and enjoy life ; 0 )
This is all honestly completely false and probably this guy just trying to recruit anyone who was interested in AIL. Ive been with AIL for 4 years and make well over 6 figures. The leads arent at all how this person is describing (at least my agency) and the game plan is certainly not to recruit our clients to come work for us... thats actually laughable. Id never listen to another insurance agent talking about another insurance agency...they obviously want you to go to them not AIL or whoever you're looking into....
This comment is stupid, they 100% us bait and switch tactics, all of the agency uses child safe kits and the union benefit to get into the house and sell the insurance. Obviously selling insurance is hard but the paint a picture that everyone can do it and it’s just not true
I was recently contacted by AIL and referred by a family friend to receive child safety kits. Apparently worth $2000. Next thing I know, I being signed up for life insurance. And referring my family and friends. That's how they get their leads. If your branch does it differently. I would love to know how.
I kind of thought that but, why wouldn't we have the freedom to candidly review a company and give an honest account of your experience? If somebody was making up lies against them I think that would be more in the defamation definition. I gave my experience in the comments hopefully to deter another naive new agent from a negative first introduction into this industry.
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The letters we send out literally say if you want supplemental life insurance to fill out this form and send it back no bait and switch. Yea some recruiters might over exaggerate but not all of them do that. The guy who recruited me makes over 500k I know this because I saw his tax returns. He said first year I’m looking at making $50k. There hasn’t been a single word about recruiting other agents or trying to recruit the leads since I started training. There are a few bad apples in every insurance organization, but if you have morals and a good work ethic you can be successful anywhere. This is the only insurance company that’s ever offered me free leads and 1 on 1 training like this.
I’m currently in the hiring process of AIL. And my recruiter was completely honest about how difficult things would be in the beginning, and I did actually get a script to memorize and follow. He explain how much I could possibly make in my first year, and it was not as high as 100k. But he did say there is an average of possibly 50k. He was very transparent about the process and how they do things, and ask if I was interested.
Did you finally go through with it . And how is it going ?
My recruiter was honest and upfront as well. He is a retired police officer. He did say there will be a grind at first and I will be a "glorified phone setter" till things take off for me. I want to back out, but I remember all the hours I sacrificed to get my license. Its like my Dad said "Son, the only thing that beats a failure is not trying". Good look fellow AIL teammate and may God show favor on your business.
My foot was ALMOST in the door with AIL. Got my Life license, I was all excited..until they used the bait and switch tactic on me before signing any contracts to be hired. I immediately knew if they were doing this to me (an agent who wanted to be hired) then they'd likely want me to do the same to others. I walked away.
Did you have to sign for union dues? I too just got my license and found it odd to be interviewed before I applied for the position. I assumed I was already hired after continued communication in taking the course and paying for licensure. I originally posted my resume on a third-party site, I thought that was the application form. I don't know what to do.
@@hannahdarnell1580 I just paid for the course/whatever the heck after saying I wanted to take the job. So does that mean I'm not hired?? I'm still skeptical about this job so I'm putting out other job applications for other places that aren't insurance related.
@@hannahdarnell1580work for a brokerage, captive agencies are a cancer to join.
@@hannahdarnell1580
What did you do? I am in the same situation, someone has recommended this to me , and I am about to start the course?
@@hannahdarnell1580 how did this play out for you?
I worked at AIL 1972/1988. Now it is 2024 and still get my monthly renewals. 100% true!
I have a second interview via Zoom tomorrow which I will be recording. They are now using AO International and calling the position "benefits coordinator" I'll let you know how it goes.
I'm gonna follow this for an update.
Update please?
any update
Update
Any update I have the 2nd interview tomorrow
I just started with AIL and they seem OK. No bait and switch that I have seen, no focus on recruiting and no high pressure sales tactics. It seems legit but again I am just starting off with them. So far the training has been good and I should be able to start making money right away.
Thanks for the video.
Heyo, I'm glad to find someone else in a positive mindset about this cause I've fallen down a rabbit hole of negativity surrounding AO/AIL. Ive still been training so far but the team I'm with seems really understanding and from what I understand it's kinda up to the personal team you end up with that determines how it will go. Im not really here trying to make 100,000k or any crazy numbers, just more than minimum wage was making me. The folks I've talked to in the company and in my team so far have all been positive and had similar experiences with making their first sale in a week or two after getting their license. Hopefully everything works out for you and I both
@@tytaniumhowl keep the same work ethic. you will need to i quit today. its a work and egodrive. i wish you the best luck this company is terrible. they care about quantity not quality. time is precious. i wish you great success.
Just got a text from them. What’s their pay?
How’s it going now
Any updates?
That definitely has not been my experience with this company. The issue is that agency owners may operate there businesses differently. The PR team that build the relationships with the Unions actually forbid some of the tactics that I am hearing here. The Union provides benefits, the agents job is to go over those benefits, you discuss the need for life insurance if there is a need. If there isn’t one then it is not a problem. You are never to do high pressure sales or sales tactics. That actually against what they stand for. Bad actors will always make the good ones look bad.
Yeah I highly disagree. I was definitely pressured to sell insurance regardless of need. Most of my leads were retired people who would be paying a grand a month for whole life. They *required* me to give them a list of family and friends as leads, and they absolutely gave us "free" AD&D and child safe kits solely for customer information for new leads. That information immediately went into the lead packets even if they explicitly stated they have no interest in life insurance
This is exactly the same experience I had with AIL. I was sold on the fact that you were given leads that were free based on the marketing efforts they did to receive them. Once you get into the training you see realize it was nothing more than the bait and switch. I knew it was going to be a hard pass for me at that point.
The salesman was really good at selling me on the commissions earned by others just as the guy mentioned and it was complete BS. I’m sure there are some that are doing well but not many using that tactic.
One guy that seemingly was doing well had telemarketers to call on his behalf and set up the appointments for him. I’m not sure if they were upfront about what the call really entailed but we were told he had great sales in the meetings. However, knowing how they operate now I wouldn’t be surprised if it was a complete lie.
The beginning to a complete waste of time.
I could go on with my current situation as well that I am finding out is another ploy on a different level that is equally disappointing.
Bottom line is you better be ready to do the work and beat the pavement like the good old days!
It’s not for the weak and lazy.
PS Buying leads is a bunch of crap as well!
Thank you...i almost joined them
What do you mean they bait and switch you? On what the lead program? Are the leads provided freely or not ?
Nothing wrong with buying leads from the right source. However, generating your own leads is best case scenario. Buying and generating leads are a game of their own.
@@AngeloFloresOfficial You don buy their leads. They provide them free.
I Made 130,000 in 2023 and started in March.
Have made 100k YTD in my second year YTD (2024) I’m with AIL AO (altig)
Majority of this is from personal production. The work has to be done, but 100k in this business should not be difficult considering you can make 700-1500 each sale with no lead cost.
Globe AIL. Is not a scam or a bad job, Is it hard job or hard to adjust yes ? But at the same time it is easy and simple you gotta do the work like any other job
have you worked there before ? if yes please tell me how it is, cause i have just got hired and i dont know what i am signing up for
@@malikasalokhiddinova8737I worked there for some time. Tbh it depends on your personal team. I also do believe the leads are trash, but understandably so because they’re free. I think you’re better off selling insurance as a broker so you’re not tied down to just one product.
I work for AIL I’m doing fine
Same here. I’ve been with AIL for a mere two months. Got promoted within my first month! Not saying it was easy by no means. As far as the leads go, they are “warm leads” and we have different types. The union member leads actually have nothing to do with our child safe kits we offer (at no cost). Our union, association, and credit union member response cards are filled out and based on an AD&D life policy for different benefit amounts. The members nor the unions, associations and credit unions pay anything for these policies. If the unthinkable were to happen, AIL pays out the policy as agreed upon.
Everyone we visit with gets the same no cost benefits and an opportunity to enroll in optional benefits. I personally don’t pressure anyone to purchase life insurance. Insurance is something either someone wants or doesn’t. If they want it, 9/10 will buy solely based on the agent in front of them. If they like the agent and trust that person, they will buy, if not, then they probably won’t. It’s just that simple.
@@jaysondeville3000 Getting promoted to a Supervising agent is the easiest thing. With a week or two of decent business written you are told you are doing well and blah blah blah. After one week of writting $6k ALP which is nothing, I was "promoted". The goal is to get as many people in the door as possible and keep the offices staffed and mask the revolving door. I think a good indicator is how the name "Global Life" has been used instead as AIL. It has a terrible wrap. If I had to start over, I would of went with a reputable company that actually sold a variety of products with out the sharade of Child kits, and the "Gift" og $2,000 AD&D policy. But we live and we learn.
What up with these bad reviews?? I’m scared now. I have my test Saturday and put this effort in it and I have a child on the way and a toddler. I can NOT afford for this to be bullshit. Please tell me y’all are doin fine. Cause I was super excited and they seemed so positive and upbeat about how well I’m goin to do.
@@lyndsytacquard7558 same i got hired today and i dont know if it worth spending time, money and effort. Did you have to purchase a license in order to be able to work? if yes let me know if its actually worth spending money on
How did you do?
So far I’m liking AIL. I haven’t experienced Any of what Bucky said. I’m still new but I thinking maybe he just had a bad experience, or team.
I also work for AIL and I think this guy is wrong. The letters do include that they have the chance to qualify for the permanent life insurance benefits. We have to be transparent.
Then you both must be good at being a huge scumbag and a fkn liar
I’ve been with AIL for about 2 months. Within my first month, I made my required milestones and got promoted. I don’t pressure or use any kind of bullying tactics. Exactly like the previous comment stated, one of our no cost benefits we offer is our needs analysis survey. Based upon you basic medical and household questions, we build a plan to supplement any gaps in your current life coverage. I show them their options and simply ask yes or no. If it’s too high based off what the needs survey suggested, I then custom make them a plan to better fit their needs. A client will buy the agent before they think about buying the insurance. If the people here that talk bad about AIL because they did not make sales, it’s probably not the company’s fault or the way they do business, it’s more than likely, the agent just didn’t seem confident in the products they were presenting and they weren’t perceived as a trust worthy agent.
@@jaysondeville3000 so should I do it I don’t got previous experience and how much have u made so far if u don’t mind me asking
How about now?
The only funny thing that I find about this is how easy I got the "job". I had gotten life and health licenses to try to enhance my skills. The training is good, and I do not thing they are scammers but it is a multilevel business. This is really for people who really love sales.
i watched this a week ago. now im here to agree . I MIGHT AS WELL GO BACK TO THE STREETS
dont bro. stay out. dont just watch one youtube video and get the full opinion formed... stay out them streets bruh and get some legal money. theres way too much out here to get. and globe life with the people that im working for, didnt do this "bait and switch" tactic. theres far more info on this company and others that would sway you either way, and the bait and switch tactic is by far the least scary part about working for the wrong people. Just depends on who you work with, and if youre ACTUALLY work for.
@@bigpapsog5611 What is the bait and switch?
I work with AIL since March, and made more than 100k so far. Instead of finding someone to blame your failures, just own up to it and admit maybe the job just wasn’t for you. It takes HARD work. It’s very possible. You do NOT have to recruit to make good money here, my first month with no team I made over 20k. You don’t recruit your clients that say they can’t afford it. This guy more likely was with a terrible team and didn’t work for him. But it works for myself and ALOT of people I know.
First of all, this commentary is on the child safe ID kits which is one market type American income life serves They serve the unions credit unions veterans markets and no cost law will kits. Anyone who decides they "dodged a bullet" after watching a very jaded one sides youtube video, doesn't deserve the opportunity because there are agents making a lot of money from home and the policies are actually very good..no one complains when they need to make a claim.
He is incorrect or doesn’t have time to do the work needed. AIL is realistic with the pay range and expected work ethic. They have great training.
I worked for ail for one year. I sold about 28000 alp in that year. Didn’t make much money maybe about 1200 a month on average. However I was living abroad working online and it was the only job I could find that I could work online out of the country. So overall I’d say it was alright. I wasn’t really the best agent. I’d say the people who are really talented salesmen/people person would make 2000-4000 a month but that’s only the really hard working/talented. I feel the leads actually weren’t that bad but that’s just my opinion I had got a new Sga who was buying fresh leads so that might have made a difference.
I need help trying to cancel my insurance policy with them and i noticed going through any paper work that i have. I can't even find a policy number. Do you think it will be easy to cancel an insurance policy with them or no? I'm willing to accept that i probably won't get back any of my money.
@@deidarafan1491call their agency number and ask them directly.
This sound like a lie. You need a license to sell insurance and you get the licence based on where you are i.e state/province because their laws differ. Yes its a fully remote job and you can move somewhere else temporarily but your main location is important. And buying leads?? Nahh I dont believe this and I'm sad for those who fall for this
I think companies like Sun Life and Manulife are the way to go for people who want to be in the life insurance career
You watched one video
Yeah this infromation is incorrect, NO bait and switch- it CLEARLY states on the forms that they fill out, they have access to life insurance options and that theyll be going over them.
Reminds me of the "leads" I got when I briefly tried walk in bathtub sales. They advise Medicaid "may" pay for your walk in tub. They know this is false. Then they send out an agent who is 100% commission to these appointments. The clients are not home or are expecting something free. They have this routine where you are supposed to spend 4 hours on the sales process wearing them down. The tub starts out at $25k. Then they offer last years model for maybe 15k and offer financing. It's a very difficult sale and even if they agree, they may get financing denied. Horrible business model, but they are making a killing.
Not many agents hit $100,000 K / You do not try insurance-insurance try’s you / There is a lot to learn/ I worked for a company that gave us a salary and benefits. Also we had a book 📚 of business and was there long enough to get vested - Western Southern Life
I totally dodged a bullet with this company. I did some research ahead of time and watched an earlier DIG agency video on this.
I also wish to point out that lead vendors when buying leads use bait and switch tactics that are less than truthful or ethical and end up being an embarrassment to the agent when you reach out to what you think is a bonafide lead.
If you’re interested in getting into the industry…DO NOT become a captive agent. Become a broker and sell multiple different carriers. I was at AIL and it was terrible. Yes, some people succeed, but cmon man the leads are just terrible. The managers just drop you off and hope you do good and give you NO TOOLS to use to up your business. I’m with a new startup brokerage and i already made more than i ever did with AIL. Plus, i can actually get people the policy they need, not overcharge them and put them in a system where they’re gonna get 20 calls a day from other agents trying to sell them more insurance.
Do you have to buy lead if your a broker ?
I talked to someone today from AIL about veterans benefits. I wonder if that's a scam. Anyone know?
It's Insane how long it takes to get ur refund back I been waiting 30 days an I didn't even want the insurance an they took it out of my account without my permission an now gotta jump thru all these hoops to get it back
AO was one of the worst experiences of my life. Be very careful with them
What happened with AO?
If only this video was available a few months back when I joined AIL. Such a set back...
Using bait and switch tactics for people that requested "Child Safe Kits" and "Will Kits" or convincing union workers that we were there for them and that we were part of the union.
What area did you work in? I am in the Toronto area and just had a phone interview this morning. The biat and switch is true? and selling those who object to serives on the basis income are given a backup work for us pitch? I'm really curious about your experience. I'm trying to weigh the pros and cons now and would like to hear from first hand experience
@@ryanracioppo6865 sorry for the delayed response. I did not receive a notification.
I worked at an AIL out of Braintree, MA for a very brief time. I basically jumped ship as soon as their true colors were exposed.
First, you're 1099'd and commission yet they hound you to be dialing at the times they specify (not sure how the pay structure is in Canada, however a company cannot tell you what to do/when to work when you are 1099 and commission).
Second, they take people that requested a "free" Will Kit or a "free" Child Safe Kit and they call them to do a two-call close meeting. They attempt to sympathize with you for your desire to get whatever free pile of crap they are peddling. Then they end their sloppy presentation with a grab at Life Insurance. Quite frankly I do not even believe someone gets the free item they requested unless they go through and agree to buy the life insurance.
It is a terrible scam. Stay far away!
Stay away from AIL, WFG, FFL, SFG, etc.
I had an interview this morning too @@ryanracioppo6865
@@ryanracioppo6865 did you end up working with them?
Thank you David and Bucky for sharing this information with us!
This very interesting, a lot of people defending Ail as a top MGA. It’s good to see the company is completely under fire right now. But they’ll tell people nothing is wrong
Been in the industry for a minute and I noticed that it comes from the recruiter and it's not about the company there are a lot of recruiters that hype it up and say things that they shouldn't say which makes the company look bad, but that is the recreuiter and not from the company and its mission and vision to help people. Just my opinion. I have met some pretty messed up recruiters but the company did not support their behavior.
I was in a mlm before I didn’t know what it was. When they said “only commission” I looked up if it was an mlm and was very disappointed. I found out hours before my interview trying to decide if I should ignore the call or waste their time like they tried to waste mine
Thanks for sharing!
I felt like canxing my policy with them, mostly because it wasn't giving much and they kept yoinking money even after I called twice to try and stop the policy, only to get automated to a robot and said "OH yeah we'll get back to you, don't worry!"
I immediately called my bank and just put a stop payment on them.
@RicterCasenger I’m having the same problem when I call in to cancel and they don’t send me the cancellation form what happened when you stoped payment
I would if I was you. I worked there 3 months untill I realized that they was lying to get union members signed up and it wasn't the child safe kit tatic they used. They'd call the union member who's union did give them a free $2,000 accidentally policy and they say they was calling to sign your beneficiary up incase an accident did happen and then we set up a zoom meeting and then that's where they try to sell you on everything else and tell you about the child safe kit and if you declined your beneficiary never got signed up incase you did have an accident. So there are all kinds of union members out their with a free $2,000 accidentally policy that ALI has no clue who to give to when something does happen cuz they DO NOT sign the beneficiary up, the whole reasoning you think you are setting up the zoom meeting for. So I'd like to know what are they doing with all that free money??????
@@jaredwitte1708 It no longer charged my account, they tried to send me mail about if they an't connect it to an account it will be stopped, so far nothing has happened and I'm no longer paying for a crappy policy
I keep getting calls about “RN benefits in Florida” 😒
So am I lost or can you just create your own lead magnet and offer something someone may get use out of like a blood pressure log book. That’s what I would do. I have an interview tomorrow. We shall see. I didn’t think this was a big issue but I have been scammed before and done work for no pay.
how did this play out for you?
I literally just signed the contract I'm so disappointed
Any updates on this?
So this seems to be about working for them as opposed to what I was looking for as a legit insurance company. The way it's spreading a web of 'beneficiaries' has me worried but still trying to navigate adult life with this being admittedly my first insurance I'm signing up for outside of work provided insurance.
I have been with AIL here in New Zealand for 14 years and I have never seen or heard of the stuff that you are talking about, not once. It seems to me that many of you may be looking for excuses to fail, to justify your own failure, so you blame others. Here in New Zealand, our financial services industry is very tightly regulated, and any sign of non compliance, and you are gone. I was never promised that I would earn a certain income, BUT there are people in AIL NZ that are doing very well thanks for asking. And I know it to be real as I have seen their Tax returns.
Agree with everything you said, seems like everyone is just looking for things to blame for their failures.
Hi I am currently an agent with AIL, last year which was my first year with AIL I made a total of 189,000. It's pretty much you get what you put in. They give you leads the train you by home office and you have support
Hello
I just passed the interview
Now I’m scared due to all the reviews and videos
Please I need more details on how the work is done
@@anthonybenedicta1641me too. I’m also worried. Mine was yesterday
@@anthonybenedicta1641 Hello what position did you apply to i just received an email for the interview
@@anthonybenedicta1641 I think that your next step is to run away asap 🤷🏻♀️
Buckey is right... I also was conned into Joining AIL. I knew from the beginning that something felt "Off".
Bait & Switch, Closing mentality with no true care for the customers needs... Such a BAD experience.
Pathway to failure with BS leads that are Way Over promised! Do your research, I've since decided not to waste my life insurance license and go at this as an independent agent with ethical and moral values.
How long was your time with AIL? I'm considering the time and money. I have sales experience, but I need to get a license. I had an interview, and they told me I had the job but needed to register for my course and confirm that I had paid by the end of the day to reserve my place. That part gave me a bad vibe; when a company tries to put a sense of urgency on a significant decision like this, it comes off as manipulative. It costs $650 at the end of the day where I live for the course and provincial exam. The interview was alright, though they mentioned training, shadowing experience, and providing leads. Im in Ontario, so it is the Canadian side of the company. I don't know enough to say this company is an "MLM," but I will wait a bit longer before making any more of a commitment. Thanks for any input you have, I am doing my research!
@@ryanracioppo6865I’m from Ontario, worked for AIL. Please brother avoid at all costs
@@ryanracioppo6865 which agency in ail did u have a interview with
@@ryanracioppo6865I’ve been in touch with AIL recently and just got past the “customer shadow experience” part. I’m supposed to do my interview after, do you have any updates as to if the company was worth it? I see your comment was of 2 months ago so I thought I would ask.
A good company would never charge a course to train you, I think this is part of the job opportunity.
I’m just saying 🤷🏻♀️
I quit that thing by the 3rd ride along with the agent or so .
You weren't cut out for it lol
This information is incorrect. There is no bait and switch. Each member that fills out a request through their union, receives a letter from their union explaining exactly why they are being contacted and what is being offered in detail.
the information in this video is incorrect...i work for ail
I would like to cancel my insurance policy with you guys because i can't afford the lowest form payment i am making right now. Any forms that i have i can't even find my policy number. Will it be hard to cancel my policy?
@@deidarafan1491Call your bank...
Having dealt with them for years, my opinion of A I L is that it is a scam and it employs grifters, thieves, and liars. If an agent shows up at your door with followers in tow, slam the door and call the cops and your state insurance agency. Do not have any dealings with AIL, you'll get cheated.
Sorry about your experience but calling all ail agents thieves is pretty harsh.
Thank you for your prospective and may peace be upon you and your family.
My kids' school is trying to get families.to sign up for this safety "kit".. the teachers are pushing this by saying "AIL is offering $1 to the school for every slip returned and a pizza party for the class that returns the most.". Yeah, they wont be getting one from me
Does this company just doing comission only or do they have a base salary?
Commission only
Interesting this guy is incorrect. I work for AIL
How is it? I am planning on joining from Canada. any advice? How many hours do I need to put in to see progress? TIA.
@@sunrisewithsalmanot so much the hours, more about how many calls you make and how many presentations you get daily. The higher your numbers are the better off you’ll be. Be really consistent I recommend writing a weekly schedule
@@sunrisewithsalmain my 7th month
Lol I was just about to comment. This dude cld handle the adversity and pressure so he's just talking down like a regular goofball.
@@Cle_Connoisseur_ come back to the comment section after you quit
He must of tried to join the wrong agency within AIL or they had terrible management either way this information is void 😅
Currently working with AIL out of illinois with my temp license. So far my group has been nothing but honedt about this job. They told me its going to be hard and there is only a 5% chance of me sticking with it. The job is an absolute challenge, but is great for me. If I were to fail its a me problem. Their motto this year is you vs. you. Its all about what you make it.
@@BigToneOfficial exactly! Idk what this guy in the video is talking about. He should have known better to think something would be easy lol.
I’m glad you’re taking on the challenge. Good luck up there 🙏🏾
Have fun spending 3 stacks a week on leads elsewhere tho 😂
hey, im about to take my exam. do you have any updates? or can we talk more about this?
They got me came to my door with the child safety kit. Something that you can do for free with the Sheriff's dep.
I sent emails and they fail I'm scare now, just stop the payment
How do you stop payment because i am having a hard time with that. All documents i have i can't even find my policy number do i just have my bank block them?
@@deidarafan1491That's right!
Mfing massive MLM
Damn i just bought the course, cann you use the couse for another job?
Yea, it's a pre licencing course. You can use it to get your license and then move on
Don't let goofballs fool you. My manager just made 23k last month lol. Highest Paid Female in Agency. She makes 150k+ a yr on her 5th yr. First yr she did about 80k.
@@Cle_Connoisseur_seems like the real money is in mgmt?
They a scam I’ve been trying for a month to cancel and they will not let me
Call your bank and have the payments blocked. I had to do that. They owe me about $300. I filed a complaint with Better Business Bureau and hopefully they take care of it.
Wisdom and Intelligence are two different things
Don’t do it their leads suck
I think ish I saw This 3 weeks ago before I applied for their position
If you dont mind, state/province did you work with? I'm in Ontario north of Toronto, and wondering if others areas have different experiences. I talked with one of their agents about getting hired today, and they metioned a shadowing experience for a few weeks before going on the job. This is where I'd learn from another sales agent on their schedule; that could be a good experience. The license has me overly critical about the job; otherwise, I'd just be investing my time, which I can afford now. I'm considering what to do and taking everything I heard with a grain of salt, including what I heard from this video and the agent I talked to today. Is it true when they train you to sell people on working for the company? If that's true, then I am worried about the working experience and will reconsider. Thanks for any advice!
@@ryanracioppo6865so im currently based in Texas and im joining an ail organization right now i have a couple friends that have been part of the company for 2 years and they recommended me to join, the process so far has been smooth during the licensing process everything in total cost me about $200 $50 for an online course through excel, 50 for a finger print background check $40 for the exam and $60 to submit my application for my license. During the process i let them know iwas low on money and they didn’t pressure me to buy it right then in there and made sure it worked best for me. As of right now im going through a training which consist of script training, classroom training where I essentially role play a sales call and then sales training where ill be shadowing and assisting a manager agent until im able to present my own presentation
@@ryanracioppo6865also something to note is you do need a license to sell life insurance and while they will ask you to get it when you do eventually get it its owned by you and issued from whatever state / providence your in
@ryanracioppo6865 Hey any update regarding your experience with them thus far? I stay in toronto as well and just paid for their course yesterday to get certified but am a little worried after stumbling on this video
sounds like a scam
No body promised me anything lol! They said work hard follow the process I have a great leader!
Poor leaders are poor leaders no matter what!
This should read poor leadership never had to go for my family, nor friends! Lol no leadership letter!
I was told referrals built a 1,000 referrals leads with none those leads in 5 weeks!
I would love to be interviewed! I work with AIL. Never told people that if they have work issue/unemployment and pivot!
Please interview me! None of these things occurred under the leadership that I work with!
Im completely torn rn... im 3 weeks in after passing out of training and my leadership has been very good IMO... However, I heard some recent news on chargebacks and if you quit, youre screwed because they'll bill you on all the advanced commission....
The leads are "bait and switches" with the burial benefits and will kit but havent been called out on that... Ive given 15 presentations and only 1 of them closing though...
I have no idea what to do right now...
Keep going.
Your a lier. They're a scam. Nice try.
Holy crap!! I don't know how I found this video or how I got here...but I'm sure glad I have a good profession in healthcare and don't have to deal with this b.s. Best thing I can say is : go to school ...get a degree in a field that won't be replaced by AI..save your money.. get married....make children...and enjoy life ; 0 )
SCAM 100%
Just say you got hired and you got mad cause a client hung up on you then you made a video talking about how AIL sucks. Read some sales books !
They do give you a script ahah.
SCAM!!!!!!!
Scam
This is all honestly completely false and probably this guy just trying to recruit anyone who was interested in AIL. Ive been with AIL for 4 years and make well over 6 figures. The leads arent at all how this person is describing (at least my agency) and the game plan is certainly not to recruit our clients to come work for us... thats actually laughable. Id never listen to another insurance agent talking about another insurance agency...they obviously want you to go to them not AIL or whoever you're looking into....
This comment is stupid, they 100% us bait and switch tactics, all of the agency uses child safe kits and the union benefit to get into the house and sell the insurance. Obviously selling insurance is hard but the paint a picture that everyone can do it and it’s just not true
How? I almost joined them.
Post a video on your UA-cam showing this 100k lifestyle 😂
Full of shit. Idiot
I was recently contacted by AIL and referred by a family friend to receive child safety kits. Apparently worth $2000. Next thing I know, I being signed up for life insurance. And referring my family and friends.
That's how they get their leads.
If your branch does it differently. I would love to know how.
Isnt this defamation?
I kind of thought that but, why wouldn't we have the freedom to candidly review a company and give an honest account of your experience? If somebody was making up lies against them I think that would be more in the defamation definition.
I gave my experience in the comments hopefully to deter another naive new agent from a negative first introduction into this industry.
It’s all true tho ? So quite the opposite
@@quintinkobel9844so many false accusations lol