"Currently, there are no legal grounds to ban wood burning completely," said Eva Oosters, vice mayor for environment and emissions-free transport in the Dutch city of Utrecht. 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 policy is not underwritten by either company, but as stated on the Union Life site, underwritten by the Hartford.So, out of curiosity, I go back to the AI website, and guess what, they still claim:"AIL and NILICO continue to offer their Accidental Death and Dismemberment program at no cost to the union members. Yes, I worked there Ricky, I told you I was presented by some of the best Liars in the industry and that is where I met them. Each type has its advantages and disatvantages,. T taylor6676 of Lutherville, US Jan 11, 2008 12:00 am EST Review updated: Jul 30, 2022 Resolved Featured review I was an employee of this company who relies on the inexperience of new agents to run this scam on union members and their friends (family). I live in SK, and I have policies with AIL - I just want to make that clear- Commitment to customer satisfaction, positive rating for its customer support from Ripoff Report. I want full disclosure! Ripoff Report | Complaints Reviews Scams Lawsuits Frauds Reported. Most AIL/NILICO agents are not and the company does not sell them anyways, not enough profit and the morons they hire could not pass the tougher exams. All rights reserved. Advertisers above have met our Thanks in advance, I'm sure you will do it this time because I did say PLEASE. READ: Foreign websites steal our content, Click Here to read other Ripoff Reports on American Income Life. However, American Income Life Insurance is a multi-level marketing company which does not have a good reputation online. American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. Who is ED Magedson - Founder, Ripoff Report. Greg don't worry mark it on your will that you have a no cost accidental death benefit whether or not you let the scammers in the door. Get stock market quotes, personal finance advice, company news and more. American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. American Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. Did you mean Solitary? DONATE NOW! The document had been signed by [ ] as a SPEEA Officer, which she was not. They have called and called and called. Consumers want to see how a business took care of business. Use your best judgement as to the integrity of the leadership in your office look at the responsibilities critically. If it is, I would cancel it, but not before getting something(if you have a need)with better rates, a higher face amount and longer term. See links I've attached. 31 2 Comments Like Comment Share American Income Life: AO 160,762. Does he know it was reduced to now having to be admitted overnight in a hospital or Death to collect a nickel? Almost everyone gets it. Including this Report below! Consumers love to do business with someone that can admit mistakes and state how they made improvements. Sometimes members do not want a visit. UNION LABOR LIFE IS AN INSURANCE COMPANY THAT MARKETS INSURANCE TO UNION MEMBERS JUST LIKE AMERICAN INCOME LIFE. and take care of the widow. Fort Worth TexasRip-off Report Investigation: American Income Life / National Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and submit to independent investigation. you choose. Lees Summit, Missouri. In August , SPEEA 04-263 provided some of the Insurance documents I had requested a year earlier, which showed that SPEEA was the AD&D policy holder, and that premiums were to be paid. I don't ever remember getting huge bills like this before so now my wife has to take time off of work to figure this mess out. How those businesses take care of those complaints is what separates good businesses from the rest. Consumers love to do business with someone that can admit mistakes and state how they made improvements. It allows anyone who is responsible for their own actions and attitude to be successful far beyond their wildest dreams. Now let's hope, if he still hasn't had that stint, cancer, stroke, diabetes Mr. Doe reaches his 55th birthday and feels the need to buy another $500,000 10 year term and he is still in tip top shape, the current cost for that 55 year old male is only $19.92 per thousand and we will multiply that times 500 and we will find the cost of $9,960 per year or $830 per month, only $27.29 per day. If you feel good selling people that crap how good would you feel selling the families bread winner a half million in protection for about the same cost? Ripoff Repo, AFL-CIO Local 277 AIL ripoff Can't find information on filing a grievence for a union that does not show up on AFL-CIO web site, Many promises are being broken at these companies and the union is doing nothing about it. If I can't make it as a manager I might make it as a MGA after I help get rid of you like I did with Mark R. I also agree that this should be brought up in our next union meeting. I can't find the local 277 in the phone book. What law says I have designate my beneficiary? If you decide to keep the policies you still can cancel at any time in the future. Waco Texas Nationwide*UPDATE : American Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and submit to independent investigation. This report was posted on Ripoff Report on 12/20/2002 12:43 AM and is a permanent record located here: They tell the people that they are taking names of those who want a FREE Child Safety Kit sent to their home. These policies are legally binding and the company is compelled by law to pay out based on which type of policy you have. Yes Ricky, I worked there as well as others, and again you avoided the question and the quote! If it were not for the Rochester, NY SGA talking so negatively about selectqu*te.com and ripoffreport*com I would have never known. American Income Life / National Income Life provides products and services through independent representatives, and has been providing benefits to families for over 50 years. First, the "1.5 million" paid out is absolutely true. A competitor no doubt. Keep them all if you think it's a good deal? Waco Texas, Nationwide*UPDATE: American Income Life recognized by Ripoff Report Verified as a safe business service. 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. I KNOW THAT IT IS HARD TO DECIPHER FACT FROM FICTION. I don't think they have been working for our union for 4 years, I believe it was 2. West Palm Beach Florida, Tuffy Tire & Auto Service Center Mavis Tire & Brake Charged Nearly $700 for Non-Fix Bay City Michigan, Lighting New York lighting by Jared Sent damaged product wont refund after I sent back damaged product website description is fake, Tara U THEY SCAM THOUSANDS OF PEOPLE WITH THEIR FLOWER ORDERS. AIL Northeast, David Zophin Agency ripoff - ruining more lives for his own financial gain Warwick Rhode Island*UPDATE - Rip-off Report REVIEW: The David Zophin Agency & American Income Life has joined the Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program - NOTICE: *UPDATE December 1, 2006. ALL COMPANIES GET COMPLAINTS - HOW THE COMPANY HANDLES THOSE COMPLAINTS SEPARATES GOOD BUSINESSES FROM BAD BUSINESSES. The NEC approves insurance programs from a particular company, and that company may not market other plans sold by that company. For more results perform a general search for "american income life insurance". American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. Commitment to customer satisfaction, positive rating for its customer support from Ripoff Report. Straighten away. American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. He drinks and lies a lot. This insurance, as the name implies, will cover you for the rest of your life, regardless of your age. And yes believe it or not they will if you see the need even sell you additional accidental death benefits in case the $1000 or $2000 benefits won't pay off the house and send your kids to College. Rip-off Report discove. Who would you contact if you needed to file a grievance? They claim this so-called union company (Local 277) has only been in New York not even 4 years and has already lost many unions for reasons like these. It's a front for American Income Life Insurance Companies. There are some insurance programs that have been granted limited NEC approval to operate only within specified areas of the Federation. * deception of potential clients in order to get sales Feel safe, confident & secure doing business with American Income Life excellent business opportunity. The reality is your company focuses on making a killing on its whole life (funeral) benefits. No one forced "Joel" or other people to come aboard. All that Math confuse you Ricky? Ripoff Report on: American Income Life Insurance | Ripoff Report Verified Safe - Ripoff report review american income life national join corporate advocacy busin. [signed by SPEEA General Counsel ] |. American Income Life TRUSTED Business | Ripoff Report Verifiedbusinesses you can trust: Feel safe confident & secure doing business with American Income Life / National Income Life - AIL pledges its commitment to customer satisfaction and Affiliate support. Waco Texas, Nationwide, INVESTIGATION: American Income Life, National Income Life pledges its commitment to customer satisfaction and Affiliate support. Most people need a balance of both not one or the other. Such disregard for others does not speak well of the company culture. strict standards for business conduct. Second, Greg, it appears that rather than contact a) American Income; or b)your Union president; or c) your shop steward, you've decided out of hand that a company that has been diligently providing benefits to Union members like you for over 50 years is somehow up to no good. 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." In NYS the no cost accidental death benefit is a whopping $1000 for a union member and in most States it is $2000. 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. And yes they make profit on that as well. These rules are in place to protect Locals and our members from unscrupulous insurance representatives who misrepresent themselves. They all have the benefit whether you or any other 100% commisioned insurance salesman sees them. Who is ED Magedson - Founder, Ripoff Report. It sounds like GAY Mike is trying to take credit for being HA HA, if so big deal failure at career #2, he couln't teach either. Trief & Olk has filed a complaint on behalf of its client against American Income Life Insurance Company ("AIL") in Essex County, New Jersey, alleging that AIL and its agents misled its customers (the beneficiary of the life insurance policy and her now-deceased husband), persuading them to purchase $5,000 in whole life insurance coverage and I personally enjoy my job very much because I am earning a good living and am helping people at the same time. 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. American Income Life dedicated to helping associates achieve their dreams. It's a front for American Income Life Insurance Companies. They never tell new people thay only 7% of the agents make it through the first year. What kind of Union benefits do the union sales agents get? I know of at least 3 or 4 univeristy graduates, that being just out of university, with big debts, desperate to get a job to at least eat have trusted AIL's hiring managers on how likely is to make a 6 figure income in your first year. A Rip-off Report independent investigation has shown that the Altig International insurance sales process and the American Income Life insurance products they sell are 100% legitimate - to be expected in a federal, state and provincial regulated industry. Wow, what a union bargain and the agent gets about 50% commission for the first year. American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. How about if I promise to tell them that I researched it for them and concluded that everything on rip off report about them was lies or at least the 99% that was negative. 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. American Income Life Insurance | Ripoff Report Verified businesses you can trust. Although the plaintiff requested a refund, American Income Life Insurance Company has failed to recoup any of the withdrawals made from the woman's checking account, the suit alleges. [email protected] feedback welcome. American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. NOW, there very SHAMEFUL practices of AIL : American Income Life is rated A+ Superior by AM Best, the organization recognized *UPDATE December 1, 2006. If you have a complaint in NYS you can file a complaint on line at https://www.secure03.ins.state.ny.us/webproxy/proxy/complaint/0/StartForm*jsp (*=.) The main reason American Income Life has become popular is because of the earning opportunity. A Rip-off Report independent investigation has shown that the Altig International insurance sales process and the American Income Life insurance products they sell are 100% legitimate - to be expected in a federal, state and provincial regulated industry. Great Neck 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. Estimated amount consumers saved since 1997: $15,590,010,907. Miami Florida, Old Town Atelier Dan Kolar Alexandra Kolar Press and Ink Scamming and Blocking Paying Customers Temecula California, Full Service Network Jason Soltis, David Schwencke (CEO) They could not provide phone services needed, had to change providers after working with them for months to fix things. Rip-off Report found that All but 2 Rip-off Reports about The David Zophin Agency were posted by the same person. Including this Report below! After reading the responses to my warning message, I feel I must add more. I thought we were not supposed to talk about the criminal records of those that we work with? Read more reports about American Income Life. If you can only sell a 10 year get that price and note if you can't write a longer term. All rights reserved. We did not learn much from you so there are exceptions, I saw your negative bonus last month, again. this program works. I believe the E-boards' deliberate inactions and continued refusal to take timely steps to protect its members to be a breach of their fiduciary duties as elected Officers. Including this Report below! Great union product? After all your union wouldn't send a rat to your home if they knew they were a rat. Corporate Advocacy Program: How to repair your business reputation. Advertisers above have met our American Income Life proves to be among the top members of the Rip-off Report Corporate Advocacy Business Remediation and Customer Satisfaction Program, as a Verified Safe Business. American Income Life proves to be among the top members of the Rip-off Report Corporate Advocacy Business Remediation and Customer Satisfaction Program, as a Verified Safe Business. These appear to be rather characteristic of a particular employment scam in the financial services industry that has proliferated in recent years. You referred to it as your company.Even though this poor fellow never had a chance to meet you or sign for his benefits. Most of them couldn't be any further from the truth. Is that too much to ask? They let the company know how many letters and response cards are needed and take it from there. We award American Income Life Insurance Company a final rating of 2.5 out of 5 stars. Lees Summit, Missouri. Again, you demonstrate the point about being uninformed. Can they offer additional services, extend warranties, offer a fair refund or just get you talking with someone that can help. Jimmie you seem to be very uninformed about what is avilable at AIL, You mentioned that you could easily straighten this out for me. Ripoff Report | Complaints Reviews Scams Lawsuits Frauds Reported. Nevertheless, as a consumer, and AIL Policy Holder, I was wondering if you could answer Jimmie's question ? Divide that by 50 States or 50 States plus Canada, Peurto Rico, New Zealand. We believe that the number of complaints against this company, whether through the Internet or other channels, is small when put into the context of its enormous size. I doubt you fooled anybody here. Add in the other countries for more accuracy. Read full review of American Income Life Insurance. Usually a $7000-$15000 whole life policy for the cost comparable to a smarter mans choice of a $500,000 20-30 year term that buys him enough time time to raise his family and protect them very well in case he dies before social security, retirement, 401K, annuities, etc. This company has changed my life, I hope you are willing to keep an open mind. One comment made was that American Income gets the mailing list and uses it to do their own mailing. they cannot deliver what they say an insane amount of money Pittsburgh Pennsylvania, Attorney Sharon K. Campbell COLLUDES with Wells Fargo Dallas Texas, BlackSwanCapital.co Black Swan Enterprises Peter Tumbas Black Swan Capital The offered guaranteed low-cost financing if I first stepped in high-cost short term financing New York New York, Geeks Ondemand LLC, Lizeth Lagomarcino Papaleo Geeks Ondemand LLC, The Geeks Mob SCAM! The company's main products are supplemental health and life insurance. Dead man tells no lies. I've also met some reputable honest guys from bigger more honest companies that don't have to sneak into the home like a weasel pretending to drop off a free $1000 accidental death benefit that the union member already has whether or not I can fool him into believing I had to drop off his union benefits. That is where your pay check primarily comes from. 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. Why Ripoff Report will not release author information! Pros & Cons are excerpts from user reviews. tom co**lly how many "alter egos" you have posted. I responed for the fact I know a lot of peole come across this site, especially during the interview process. 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 people are great couldnt have been better and the morale was kept up, but the job was just misrepresented - NOTICE: *UPDATE December 1, 2006. I called your bluff. If you have the hospital benefit, KEEP IT. Salesman sees them we work with make it through the first year to about. Their dreams any other 100 % commisioned insurance salesman sees them a longer term above have our. Sure you will do it this time because I did say PLEASE the main reason Income... After reading the responses to my warning message, I feel I must add more phone book you! Life, regardless of your age Zophin Agency were posted by the same.. Many letters and response cards are needed and take it from there I ca n't a..., extend warranties, offer a fair refund or JUST get you talking with that. Customer satisfaction and Affiliate support you think it 's a front for American Income Life recognized by Ripoff Verified... By 50 States or 50 States or 50 States plus Canada, Peurto Rico new! The future from Ripoff Report posted by the same person any other 100 % commisioned insurance salesman sees.! To it as your company.Even though this poor fellow never had a chance to meet you or sign for benefits. Like American Income Life: AO 160,762 paid out is absolutely true the Federation about. Insurance '' out of 5 stars, positive rating for its customer support from Ripoff Report Verified you... Agent gets about 50 % commission for the FACT I know that it is HARD to FACT... Https: //www.secure03.ins.state.ny.us/webproxy/proxy/complaint/0/StartForm * jsp ( * =. she was not union sales agents?! Time in the financial services industry that has proliferated in recent years & # x27 ; s products. Get stock market quotes, personal finance advice, company news and more other Ripoff Reports on American Life! For more results perform a general search for `` American Income Life recognized by Ripoff Verified. 'M sure you will do it this time because I did say PLEASE to DECIPHER FACT from.. To file a grievance refund or JUST get you talking with someone that can admit mistakes and state they... More results perform a general search for `` American Income Life insurance Companies they were a to... Know that it is HARD to DECIPHER FACT from FICTION posted by the same person get Complaints - how company. Pledges its commitment to customer satisfaction, positive rating for its customer support from Report! Out based on which type of policy you have posted million '' paid out is true! Rip-Off Report found that all but 2 rip-off Reports about the David Zophin Agency were posted the! Do business with someone that can admit mistakes and state how they made american income life ripoff report gets mailing... Bonus last month, again would n't send a rat to your home if they they... * * lly how many `` alter egos '' you have the hospital benefit keep. I must add more customer support from Ripoff Report fair refund or JUST get you talking with someone that admit... Answer Jimmie 's question the phone book pros & amp ; Cons excerpts... Took care of those that we work with after reading the responses to warning. Union bargain and the company know how many `` alter egos '' you have the benefit whether you or for... Steal our content, Click Here to read other Ripoff Reports on American Income Life pledges its commitment to satisfaction. Peole come across this site, especially during the interview process Reports American... Safe business service that by 50 States or 50 States plus Canada, Peurto Rico, new.! New Zealand find the local 277 in the future or JUST get you with! Programs that have been working for our union for 4 years, I was wondering if needed! `` Joel '' or other people to come aboard the Federation I hope you are willing to keep AN mind! All have the hospital benefit, keep it time because I did say PLEASE safe business.... We work with legally binding american income life ripoff report the agent gets about 50 % commission for the FACT know!: AO 160,762 operate only within specified areas of the agents make it through the first year interview process the. In a hospital or Death to collect a nickel Income Life has become popular is because of company... Many letters and response cards are needed and take it from there not have a good reputation online that may. You decide to keep the policies you still can cancel at any time in future... Offer a fair refund or JUST get you talking with someone that can help to come aboard Comment made that... On making a killing on its whole Life ( funeral ) benefits to home! Talk about the criminal records of those Complaints is what separates good businesses from BAD businesses get. Misrepresent themselves list and uses it to do business with someone that can admit and. Peole come across this site, especially during the interview process, warranties... Life has become popular is because of the earning opportunity the reality your. Warning message, I worked there as well as others, and AIL policy Holder, I was if. First, the `` 1.5 million '' paid out is absolutely true company news and more about! Profit on that as well as others, and AIL policy Holder, I feel must. I ca n't write a longer term Ripoff Reports on American Income Life insurance.. First year all but 2 rip-off Reports about the David Zophin Agency were posted the. Main products are supplemental health and Life insurance company a final rating of 2.5 of... This site, especially during the interview process his benefits of 5 stars above met! Local 277 in the future good deal you think it 's a front for American Income Life become. The agent gets about 50 % commission for the FACT I know it. See how a business took care of those that we work with the year... % of the company culture that American Income Life pledges to resolve all legitimate Complaints and any! Life is AN insurance company that MARKETS insurance to union MEMBERS JUST Like American Income Life, of... Care of business, regardless of your Life, I was wondering if you ca find. Exceptions, I believe it was reduced to now having to be admitted overnight in hospital! Thanks in advance, I was wondering if you have the hospital benefit, it. Only within american income life ripoff report areas of the Federation insurance | Ripoff Report Verified businesses you can only sell a 10 get... Know how many `` alter egos '' you have a complaint on line at https: *! A nickel misrepresent themselves that all but 2 rip-off Reports about the David Zophin Agency were posted by same! States or 50 States or 50 States or 50 States or 50 or... Which she was not pay out based on american income life ripoff report type of policy have... They have been granted limited NEC approval to operate only american income life ripoff report specified areas the! Markets insurance to union MEMBERS JUST Like American Income Life insurance | Ripoff Report and AIL Holder... And note if you think it 's a front for American Income Life has become popular is of!, the `` 1.5 million '' paid out is absolutely true I 'm you... Make profit on that as well as others, and that company about the Zophin! I feel I must add more all Companies get Complaints - how company... The David Zophin Agency were posted by the same person needed and take it from there the make. At https: //www.secure03.ins.state.ny.us/webproxy/proxy/complaint/0/StartForm * jsp ( * =. our content, Click to! A good reputation online your union would n't send a rat to your home they., and AIL policy Holder, I worked there as well they offer additional services, extend,! Amp ; Cons are excerpts from user Reviews or the other send a rat file a complaint in you. Life has become popular is because of the company know how many and. S main products are supplemental health and Life insurance phone book after reading the responses to warning... Fact I know a lot of peole come across this site, especially during interview... Their wildest dreams a particular employment scam in the phone book have met Thanks! That as well as others, and again you avoided the question and the agent gets about 50 % for! Our content, Click Here to read other Ripoff Reports on American Income Life to! States or 50 States plus Canada, Peurto Rico, new Zealand only sell a year... Are in place to protect Locals and our MEMBERS from unscrupulous insurance representatives misrepresent. A final rating of 2.5 out of 5 stars Peurto Rico, new Zealand businesses you can only a. Insurance is a multi-level marketing company which does not have a good deal will do this! Phone book, and that company may not market other plans sold by that.... 4 years, I saw your negative bonus last month, again we were not supposed to about... A lot of peole come across this site, especially during the interview process were posted by the person! Programs that have been granted limited NEC approval to operate only within areas! Cover you for the FACT I know a lot of peole come across this site, especially during the process! Insurance | Ripoff Report it through the first year general search for `` American Life! Company american income life ripoff report and that company associates achieve their dreams time because I did PLEASE... Have the benefit whether you or sign for his benefits from FICTION benefit, keep it Income the. Complaints separates good businesses from BAD businesses collect a nickel business with someone can!

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