American Income Life

Working at American Income Life: Company Overview and Reviews

American Income Life
American Income Life
3.0
3804 reviews
American Income Life Ratings
3.0
Average rating of 3804 reviews on Indeed
2.4Work-Life Balance
2.8Pay & Benefits
2.8Job Security & Advancement
3.0Management
3.0Culture
Headquarters
1200 Wooded Acres Drive Waco, TX 76710
Employees
10,000+
Revenue
$500M to $1B (USD)
Industry
Insurance

Popular jobs at American Income Life

 Average SalarySalary Range
1 salary reported
$30.00
per hour
$7.25-$66.90
30 salaries reported
$58,733
per year
$14,000-$130,000
1 salary reported
$6,000
per month
$3,000-$9,000
4 salaries reported
$21.13
per hour
$10.55-$31.80
2 salaries reported
$80,000
per year
$30,000-$145,000
Salary Satisfaction
43%
Of the employees are satisfied about their pay
Based on 4032 reviews
Benefits
Health Care
Dental Insurance
Vision Insurance
Life Insurance
401k
Paid Time Off
Stock Options
Discounts

American Income Life Reviews

Popular JobsInsurance AgentAgentSales RepresentativeBenefit SpecialistInsurance ProducerBenefits RepresentativeCustomer Service RepresentativeProducerIndependent AgentBenefits CoordinatorLicensed AgentSales AssociateManagerRecruiterSales ManagerGeneral ManagerSalesSupervisorField AgentAdministrative AssistantBenefits AdvisorSalespersonHuman Resources ManagerDirectorBenefits ConsultantHuman Resources AssistantAppointment GeneratorIndependent ContractorOffice ManagerReceptionistSpecialistInsurance SpecialistFinancial AdvisorRegional ManagerBenefits ManagerInsurance BrokerProduce AssociateHuman Resources SpecialistSales ProducerAgency OwnerExecutive AssistantMGAManager in TrainingQuality Assurance AnalystSales ConsultantUnderwriterDirector of Human ResourcesEnrollment SpecialistInsurance ConsultantInternOffice AssistantOutside Sales RepresentativeAssistantCall Center RepresentativeCustomer Service/Sales RepresentativeHuman Resources RepresentativeRegional Sales ManagerAccount ExecutiveData Entry ClerkFinancial ConsultantFinancial RepresentativeGAIndependent RepresentativeInsurance AdvisorMarketing SpecialistRecruitment ManagerRegional DirectorSales TrainerSecretarySenior Sales AgentSupport SpecialistAssociateBenefits AdministratorCall Center ManagerCallerContractorCustomer Service ManagerDirector of Public RelationsDirector of RecruitingEnrolled AgentInsurance ManagerManagement TraineeManaging DirectorNoneOffice AdministratorPersonal AgentPhone OperatorPublic Relations ManagerQuality Control ManagerRetention RepresentativeSales TraineeSchedulerSenior SupervisorService ManagerTrainerAccount ManagerAccounting SpecialistAdministration ManagerAdministrative CoordinatorAdministratorAssistant ManagerBuilderClerical WorkerConsultantCustomer RepresentativeCustomer Service SupervisorDirector of OperationsDirector of QualityEnrollment OfficerEntry Level ManagerExecutiveField RepresentativeHealth Center ManagerHuman Resources CoordinatorHuman Resources InternHuman Resources SupervisorIndependent ConsultantInsurance CoordinatorInsurance UnderwriterLife Science ConsultantMarketing RepresentativePersonal AssistantPhone RepresentativeQACRecruiting AssistantRecruiting CoordinatorRegional RecruiterRepresentativeSales DirectorSales ExecutiveSales LeaderSelf EmployedSenior Insurance AgentSenior ManagerSenior Sales ManagerSenior Support SpecialistTeam MemberTraining Manager.NET DeveloperAIL CanadaAccount RepresentativeAdministrative AgentAdministrative SecretaryAdministratonAgency ManagerAgent AssistantAgente de ventasAmerican Life Insurance CompanyAnalystAnimateur (H/F)Appointment BookerAppointment CoordinatorApprenticeArea ManagerAsesor/a comercial de segurosAsset Protection AssociateAssistant RecruiterAssociate AgentBenefits AnalystBenefits CouncillorBenefits Enrollment OfficerBenefits enrollerBenfits AdviserBookerBooker/StudentBooking AgentBrokerBusiness AdministratorBusiness OwnerBuyerBénévole (H/F)Certified TrainerClaims ExaminerClaims InvestigatorClerkCommunity Enrollment RepresentaitveCommunity Supervision SpecialistCompliance OfficerComputer AssistantConservation RepConservationistCookCoordinatorCounselorData AnalystDirect Sales RepresentativeDirect Service ProviderDirect Support ProfessionalDirector of MarketingDirector of Student ServicesDirector of TrainingDistributorDistrict Sales ManagerEnglish TeacherEntry Level Warehouse WorkerExecutive Assistant/Office ManagerExecutive ManagerExecutive RecruiterField ManagerField Sales RepresentativeFinance & Insurance ManagerFinance AssistantForklift OperatorFormer aentFront Desk ReceptionistGeneral AssistantHead of Human ResourcesHuman Resources AssociateIndependent Contractor/Life Insurance ProfessionalInsurance AAgentInsurance Benefits OfficerInsurance ClerkInsurance SalesmenInsurance VerifierJunior Sales AgentJunior Sales AssistantKcmoLackeyLead ClerkLead RecruiterLicensed independentLicensing SpecialistLife Enrichment ManagerLife Insurance, (Pennsylvania)Life PrducerMACMarketing AssistantMaterial HandlerNew employeeOffice SupervisorOperations AssociateOperatorP.aPRPartnerPersonal ProucerPolicy ManagerPress OperatorProcessing ClerkProducer/DirectorProduct SpecialistProductionProduction ManagerProject ManagerPsicologaQAC RepresentativeQuality Assurance EngineerRGAReceptionist/Administrative AssistantRecruitment ConsultantRegional Sales DirectorResident AgentResidential SalesResponsabile segreteriaResponsable de Secteur Gms (H/F)Retention ManagerRetention SpecialistRiverdale, GeorgiaRobert Olson JrSGASakeSales InternSales and Marketing ManagerScreenerSecretárioSelf-motivational, efficient, multi-tasking leaderSenior Benefits ConsultantSenior Business AnalystSenior Data AnalystSenior Managing DirectorSenior RepresentativeSenior Sales RepresentativeSpecialist Tours ManagerStaff ManagementStaff ManagerStaffing ManagerStudent InternStudent ManagerSummer InternTeam LeaderTeam SupervisorTelephone RepresentativeTerritory ManagerTerritory SalesTraineeTraining SpecialistTraining for InsuranceTranslatorUnion RepresentativeUnion Representative, AILVendorVerification RepresentativeVice PresidentVice President of OperationsVolunteerWarehouse LeadWriterconservation representativeex exployeegainsurance agantnone
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NCMaumelle, ARMcKinney, TXMedia, PAMelbourne, FLMelville, NYMemphis, TNMenomonee Falls, WIMerrillville, INMesa, AZMetairie, LAMiami, FLMiami Lakes, FLMiddletown, CTMiddletown, NYMidland, MIMidlothian, VAMidwest, WYMilwaukee, WIMinneapolis, MNMinneapolis-Saint Paul, MNMira Mesa, CAMission, TXMission Hills, CAMissoula, MTMobile, ALMonroe, MIMoore, OKMorgantown, WVMorrow, GAMountlake Terrace, WAMuncie, INMurfreesboro, TNMurray, UTNashville, ILNashville, TNNashville-Davidson, TNNew Orleans, LANew Providence, NJNewton, MANitro, WVNorcross, GANorfolk, VANorth Charleston, SCNorth Houston, TXNorth Little Rock, ARNorth Providence, RINorth Ridgeville, OHNorth Royalton, OHO'Fallon, MOOklahoma City, OKOlivette, MOOlympia, WAOlyphant, PAOmaha, NEOntario, CAOrange, NJOrlando, FLOttumwa, IAOverland Park, KSOwings Mills, MDPahrump, NVPalm Coast, FLPalm Springs, CAParamus, NJParker, COPasadena, CAPearl City, HIPelham, ALPensacola, FLPeoria, ILPhiladelphia, PAPhoenix, AZPittsburgh, PAPlantation, FLPlymouth Meeting, PAPompano Beach, FLPooler, GAPortage, MIPortland, MEPortland, ORProvidence, RIProvo, UTRaleigh, NCRaleigh-Durham, NCRancho Cucamonga, CARapid City, SDRaritan, NJRavenna, OHRedding, CARedmond, WARemoteReno, NVRichardson, TXRichmond, VARidgeland, MSRiverside, CARiverside, RIRoanoke, VARockford, ILRockville, MDRogers, ARRoseville, CARoseville, MNSacramento, CASaint Marys, GASaint Petersburg, FLSalem, ORSalt Lake City, UTSan Antonio, TXSan Bernardino, CASan Diego, CASan Dimas, CASan Francisco, CASanger, CASan Jose, CASan Marcos, CASanta Ana, CASanta Rosa, CASavannah, GASchaumburg, ILSchererville, INSchofield, WISeabrook, TXSeattle, WASharonville, OHShoreview, MNShreveport, LASimi Valley, CASioux City, IASioux Falls, SDSkillman, NJSmyrna, GASnellville, GASophia, WVSouthaven, MSSouth Bend, INSouth Portland, MESpokane, WASpring, TXSpringdale, ARSpringfield, ILSpringfield, MASpringfield, MOSpringfield, OHSpringfield, ORSt. Louis, MOStanwood, WAState College, PAStockton, CAStone Mountain, GASwansea, ILSwansea, MASylvania, OHTacoma, WATampa, FLTempe, AZTexas City, TXThe Woodlands, TXTigard, ORToledo, OHToms River, NJTownship of Hamilton, NJTracy, CATroy, MITucson, AZTukwila, WATulsa, OKTuscaloosa, ALTysons Corner, VAUnion City, TNUrbandale, IAVancouver, WAVienna, VAVirginia Beach, VAWaco, TXWaianae, HIWailuku, HIWaipahu, HIWaldorf, MDWallingford, CTWarwick, RIWashington, DCWashington, ILWausau, WIWauwatosa, WIWebster, TXWest, TXWestborough, MAWest Covina, CAWest Des Moines, IAWestfield, MAWestminster, MDWest Orange, NJWest Palm Beach, FLWexford, PAWhittier, CAWichita, KSWilkes-Barre, PAWilmington, MAWilmington, NCWinchester, VAWoburn, MAWoodbridge, NJWoodbury, MNWoodridge, ILWorcester, MAWorthington, OHKabulAirdrie, ABBrampton, ONBurlington, ONBurnaby, BCCalgary, ABCambridge, ONEdmonton, ABGreater Toronto Area, ONHalifax, NSKentville, NSLondon, ONMarkham, ONMississauga, ONMount Pearl, NLNepean, ONNiagara, ONOakville, ONOromocto, NBOshawa, ONOttawa, ONRichmond, BCRichmond Hill, ONRiverview, NBSaskatoon, SKSt. John's, NLSurrey, BCToronto, ONVancouver, BCVaughan, ONWeston, NBWindsor, ONWinnipeg, MBGrans (13)Marseille (13)Sales (74)OverIndi, KarnatakaFoggia, PugliaL’Aquila, AbruzzoKathmanduAuckland City, AucklandAvondale, AucklandChristchurch, CanterburyLower Hutt, WellingtonNew Lynn, AucklandLisboa

Overall Reviews at American Income Life

4.0
Community Supervision Specialist | Earth City, MO | Oct 24, 2019
Exciting place to be
Great atmosphere! Helpful management and office staff. Great training. Great compensation. Fun and helpful place to work. On the job training program as well.
Proslots of Acknowledgement
Conswork long hours
4.0
Director of Marketing | Chattanooga, TN | Apr 28, 2020
Opportunity Unlimited
You can make a lot of money working here, however it is performance based pay. If you don;t put in 100% effort, your paychecks reflect that. The culture is amazing. I am ONLY looking for other work because I am now the only source of income in my family and I need something with a base salary. I hope to return one day!
2.0
Insurance Producer | Pearl City, HI | Aug 23, 2020
Long hours and useless meetings
This is not a company you would want to work for. Typical work days consist of cold and warm calling clients in the mornings, dispatch in the afternoons, and you canvass all the way until 9 in the evening. The compensation is not worth it.
ProsNone.
ConsLong hours, inadequate compensation.
1.0
Independent Contractor/Life Insurance Professional | Swansea, IL | Apr 20, 2017
Revolving door...
AIL's business model is to USE you, your car, your gas, & your time as a soldier to sell life insurance and bring in huge $$$ for upper and mid-level managers. You do get paid commission, but it's much less than the huge bonuses and commissions your trainer/manager and upper echelon managers receive, and ONLY after you spend approximately two unpaid weeks "training". I would NOT recommend AIL to anyone. Period.
ProsNone.
ConsToo many to list... avoid AIL.
3.0
Independent Agent | El Paso, TX | Nov 4, 2014
Life insurance
OK place to get your start, but if your licensed you can do better.
Prosyou work hard you make money... LOTS OF $
Consmany of their business practices are unethical IMHO, and they expect you to work like a dog.
1.0
Human Resources Manager | Knoxville, TN | Dec 17, 2020
Hard Work, rewarding for a minority
Glorified pyramid scheme. Lots of travel daily. Not enough compensation for most to live. Pie in the sjy promises. I would not recommend this work to 99 percent of people.
ProsIndependence
ConsFew successes, high start up costs
5.0
Director of Human Resources | Jacksonville, FL | Feb 25, 2020
I recommend
If you are looking for a team and family culture with leadership development, this is the place for you. If you understand your success is determined by your effort, you have a very lucrative career.
5.0
Insurance Agent | Waco, TX | Dec 9, 2019
Ail
Very nice company and is very professional About their employers. They have very flexible hours and Are nice. The SGA in the area it's very professional courteous.
3.0
Insurance Producer | Roseville, MN | Sep 26, 2015
Very Professional but not stressful
Its a good company for a start up and can climb up to management level with your performance. The only problem is that if your retention falls the company stops your payments.
ProsFlexible schedules
Constoo much of miles added
1.0
Customer Service Representative | Wexford, PA | Sep 22, 2019
dont recommend
I would not recommend anyone to work there unless you don't have a social life. I work 12 to 15 hours a day and drove all over the place and didn't get the proper training. It was a pick and chose as to who got more training than others
Prosnone
Conswork for no pay
1.0
General Manager | New Brunswick | Nov 25, 2019
very shabby and crooked management
in my first year employee turnover rate was 98% and same on the second year. the agency I worked for had a border line and sometimes illegal procedures that management encouraged by turning a blind eye.

Questions And Answers about American Income Life

What is the interview process like at American Income Life?
Asked Jan 24, 2017
Complete scam. I responded to a job posting for a Benefits Manager. I received a request for a Zoom interview, not that unusual in today's world. When I logged on to Zoom, I couldn't see anyone but the person lecturing, not even if anyone else was on the call. He continually used plural pronouns, because he was obviously talking to a large audience. It quickly became clear this was a commissioned insurance sales job. I left the Zoom, and politely responded to the original person who had contacted me that I didn't appreciate what had happened, and my time being wasted. I received a very nasty response, which just shows the type of company this really is.
Answered Aug 5, 2020
When I showed up for the interview, there were at least 20 other individuals that were there for the position (a cattle-call). I was waiting for about 30 minutes when they finally called my name. I sat in a room with someone who "pre-screened" me, told me about the interview 3-step process, and asked me a few questions to figure out if I had the right personality for the job. They ended up asking me to stay for an hour long presentation about the company and to take a personality quiz in a room full of at least 20 more individuals sitting at desks also filling out the quiz. The presentation began and it was full of statistical information and too-good-to-be-true statements such as; "as an associate, you will earn a bonus on every weekly check!" or "you don't have a minimum amount of presentations or sales you need to make per week". They never once mentioned that you are a independent contractor instead of W2 until someone asked. Kinda sketchy if you ask me. As soon as that question was answered, people walked out. I stayed until the end and turned in the personality quiz. The whole process took about two hours. Two hours after that, I received a call from the hiring manager and they wanted to bring me back the following day for my final interview. I agreed, then ditched the idea as soon as I went home and looked up this company. It's a scam for employees (their retention is atrocious), but good insurance offer for their clients.
Answered Jan 31, 2020
If you were in charge, what would you do to make American Income Life a better place to work?
Asked May 30, 2018
TRAINING!! There is no training and very little support when you need the help
Answered Apr 14, 2021
Actually provide thorough training and mentoring
Answered Aug 28, 2020
Is it really on commision only
Asked Jul 12, 2016
Yes, 100 percent
Answered Jul 28, 2019
100% commision
Answered Jul 15, 2019
How are the working hours at American Income Life?
Asked Jun 11, 2016
12HRs per day, 6 days per week. They claim that you get to set your own schedule but If you aren't working your manager is likely to message/call you to see why you're not working.
Answered Jul 11, 2020
Long for success.
Answered Aug 5, 2019
Is this a pyramid scheme
Asked Nov 30, 2017
It is not a pyramid scheme, but rather poorly implimented MLM. That is not to say it is any better. They are interested in nothing but sales, period, by using multiple underhanded methods to do so. If you dont have morals, youll do great. I hated the kind of person i had to be working for them, and would never want to befriend the ones who did well.
Answered Jul 25, 2020
The real reason this is not a MLM scheme is due to Managers doing the recruiting and getting a portion of the recruits sale. This happens because the only way to have as large of a footprint is to release home office money to those doing the work. Some companies offer 70-80% payouts and your paying office and admin fees, the manager cover those expenses and home office pays back to help managers with the costs. The meetings are not forced and clients are usually happy to get long term benefits in place to protect their families. Also, you can retain your client and other agents can never take them from you. Someone may sell additional products but this doesn’t affect your residuals. They would get paid on the addition only. My advice is to do a better job with your client. Bonuses are a motivator to increase your monthly sales. It is a sales job! Nothing more nothing less.
Answered Jul 9, 2019