Ripoff Report | Complaints Reviews Scams Lawsuits Frauds Reported. American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. It allows anyone who is willing to step up to the plate and "take responsibility" for their own actions to be successful. I work all week. Hardly a Ripoff 1.5 million" paid out is absolutely true. Then he buys 10 more years at $9,960 per year thats another 99,600 for a total of $164,800 RICKY!!!! Protect Your Family 1 2 3 4 5 6 Previous Find a Local Agent ZIP Code American Income Life: Life Insurance and Supplemental Health Insurance Protect Your Family Life Insurance Protect Your Child Request a No-Cost Kit We're Here for You Or is that for the real insurance companies? Have a swell day Ricky! Who is ED Magedson - Founder, Ripoff Report. IF you got it thru a union promotion, there *may* be a clause that says { paraphrased ] "policy is in effect as long as premiums are paid and policyholder qualifies or meets defintion " 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. American Income Life / National Income Life provides products and services through independent representatives, and has been providing benefits to families for over 50 years. You say you sell term benefits up until age 100? American Income Life / National Income Life provides products and services through independent representatives, and has been providing benefits to families for over 50 years. Rip-off Report recently discovered that All but 2 Rip-off Reports about The David Zophin Agency were posted by the same person. Paying off the mortgage the cars, the College, etc. Contact your union leadership, they'll be able to explain everything to you. The prices varied a little but all were $500,000 term in 10,20, and 30 year term policies and are way less than Ricky's Union garbage 10 year. The victims are hired as independent contractors. Waco Texas Nationwide*UPDATE : American Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and submit to independent investigation. Rip-off Report discove. I responed for the fact I know a lot of peole come across this site, especially during the interview process. We telephone the members to set up a time to deliver their no cost benefits and to inform them of other benefits available. American 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. Yadada. Bogus Celebrity Advertisements FACE & Skin CREAM Ripoff! American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. Is all they needed was someone with power in your union to sign the form letter. ALL COMPANIES GET COMPLAINTS - HOW THE COMPANY HANDLES THOSE COMPLAINTS SEPARATES GOOD BUSINESSES FROM BAD BUSINESSES. 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. Every company receives complaints, and with currently more than 600 associates and more than 50 offices throughout North America, the number of complaints Altig International has re. ALL COMPANIES GET COMPLAINTS, BUT HOW THE COMPANY HANDLES THOSE COMPLAINTS, SEPARATES GOOD BUSINESSES FROM BAD BUSINESSES *UPDATE - Rip-off Report Investigation: Altig International has joined the Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and a Rip-off Report independent investigation. ALL COMPANIES GET COMPLAINTS, BUT HOW THE COMPANY HANDLES THOSE COMPLAINTS, SEPARATES GOOD BUSINESS FROM BAD BUSINESSRip-off Report Investigation: American Income Life / National Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and submit to independent investigation. That is where your pay check primarily comes from. There are no products or services that will always be perfect for everyone and even the best companies will receive complaints from time to time. Dont click on those slick Ads! Since that time, in November 2004, I notified SPEEA that the Washington State Insurance Commission Investigator has determined that AIL was in apparent violation of State Insurance Codes, and that her department had no authority to contact SPEEA. Hiding negative complaints is only a Band-Aid. Purchased NY Life/AARP life insurance $75,000 for $195 a mo., requiring an electronic withdrawal from our bank each month. It is not even presented as a 10 year term product, but as a Family Care Plan. All that Math confuse you Ricky? New York is next on the list.They threaten and lie and steal from the agents just like they train the agents to lie and deceive the union members and the referrals. X | CLOSE However, Altig International has made a commitment to 100 percent resolution of all legitimate complaints. United States. American Income Life Insurance | Ripoff Report Verified Safe. Say we owe over $22,000.00 for the rest of their so called contract !!!!!! I have seen 8 people come and go since I started. Waco Texas Nationwide*UPDATE : American Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and submit to independent investigation. What next? Approve of CEO. American Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. By the time we visit a members home, The union local executive as well as most of the shop stewards have already had a presentation about the benefits and in many cases have enrolled in some of the benefits. American Income Life TRUSTED Business | Ripoff Report Verified businesses you can trust. They are all doing fine without NILICO. I got back $400. American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. Has someone actually presented the options available to you or are you basing your comments on some other information? Peggy Martin Check is in the mail,& then put a stop pay on the 2nd Kissimmee, Florida. Ripoff Report has an exclusive license to this report. ALL COMPANIES GET COMPLAINTS - HOW THE COMPANY HANDLES THOSE COMPLAINTS SEPARATES GOOD BUSINESSES FROM BAD BUSINESSES. American Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. Coverage is offered in 49 states, as well as in Canada and New Zealand. But the mailing is mailed by the agent or AIL. Ha Ha the hook nose Hal, what really happened at Metlife? Great union product? kick in. I notice that you seem to be on this report dozens of times. Why do you other insurance companies sell 15,20,25 and 30 year terms anyways? File your review. Sexual Orientation Sexual Orientation Disability Parent or Family Caregiver Veteran Status Want more demographic options? Waco Texas, Nationwide, National Income Life Insurance Company Of New York What to do? Including this Report below! Go ahead. American Income Life / National Income Life join Rip-off Report Corporate Advocacy Business Remediation Customer Satisfaction Program and submit to independent investigation. 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. 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). Why Ripoff Report will not release author information! - NOTICE: *UPDATE December 1, 2006. It's a front for American Income Life Insurance Companies. Could I give you the names, addresses, phone numbers of all of my friends and relatives so you can save them before they die, like this this guy did? "So, they deliberately are deceiving union members. Has your experience with this business or person been good? Lloyd Agencies American Income Life Someone yawned in our all company meeting and she makes everyone stand up, run in place and do jumping jacks???? The UAW has a problem with them. Rip-off Report recently discovered that All but 2 Rip-off Reports about The David Zophin Agency were posted by the same person. The posting time indicated is Arizona local time. Do a search for quotes from several companies that will compare your statistics to about 15 comparable companies and see the difference in pricing. Sounds innocent, as the local president has no idea the members are prey for the vultures. In addition, American Income Life is rated A+ Superior by AM Best, the organization recognized by th, American Income Life ripoff St. Louis MissouriRip-off Report Investigation: American Income Life / National Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and submit to independent investigation. Commitment to customer satisfaction, positive rating for its customer support from Ripoff Report. However, by participating in the Corporate Advocacy Program, the member business has made a commitment to working with its customers to resolve complaints quickly and fairly whenever possible.Please keep in mind that as a consumer you have some responsibilities as well. I did. American Income Life Scam | Complaints REVIEW: American Income Life, National Income Life dedicated to helping associates achieve their goals; feel safe confident & secure doing business with AIL & NIL, they will not allow a legitimate complaint to go unresolved. Is this guy calling from my Local or some local nobody has ever heard of and has no idea where they are located? Not the deal I thought it was. Does he know that while the benefits were reduced the costs went up and the liars are now telling the union brothers that this is a better deal? Argentina Australia Belgi (Nederlands) Belgique (Franais) Brasil Canada (English) Canada (Franais) Deutschland Espaa France I know most of these discussions are about agents, Human resources, etc. 2.Ch*se NY I work for American income life and am proud of the products they offer. *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 a Rip-off Report independent investigation. I hate doing all the paperwork anyways. This insurance, as the name implies, will cover you for the rest of your life, regardless of your age. * an unsolicited call for a job he had not applied for American Income Life dedicated to helping associates achieve their dreams. If an individual or Local has an insurance program they wish to provide AFGE members, they must contact their NVP with the proposal. AIL American Income Life Lied blatantly to coerce me into MLM scam Woburn Massachusetts, AIL Insurance Company Do not buy insurance from American Income Life Insurance Company ,AIL, Waco Texas, American Income Life AIL American Income David Zophin Agency deceptive dishonest scam mlm pyrimid scheme Middletown Connecticut *UPDATE - Ripoff Report REVIEW: The David Zophin Agency & American Income Life has joined the Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program; The David Zophin Agency hiring practices, 100% legitimate, honest and selective, typically resulting in less than 10% of interviewed candidates being chosen to be company associates.. NOTICE: *UPDATE December 1, 2006. 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. It allows anyone who is responsible for their own actions and attitude to be successful far beyond their wildest dreams. Commitment to customer satisfaction, positive rating for its customer support from Ripoff Report. In addition, American Income Life is rated A+ Superior by AM Best, the organization recognized by th. To Richard I do not doubt have more extensive knowledge about insurance. The company also offers an opportunity to make money through its multilevel marketing business model. On January 7, 2021, a California federal district court granted final approval to a $5.75 million dollar class action settlement on behalf of American Income Life ("AIL") agents who were improperly compensated for the hours they worked and trained. Feel safe, confident & secure doing business with American Income Life excellent business opportunity. 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. If the NVP feels the plan warrants further consideration, he or she will submit it to the NEC's Insurance Committee. Don't worry about the president from some other union who got tricked into signing a letter for his Local, he probably thought he was doing a good thing when he was misled. Was he successful? I work out of an office in Maine, and perhaps, like most large companies, different offices reflect different leadership. It's a front for American Income Life Insurance Companies. Nevertheless, as a consumer, and AIL Policy Holder, I was wondering if you could answer Jimmie's question ? I was born at night but it was not last night. Waco Texas, Nationwide, Ripoff Report REVIEW: Altig International & American Income Life join Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program (CAP), and submit to independent investigation. Do the hospitals negotiate these costs while we are being treated? They have been around since 1951 and are based in Texas. 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. American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. Currently, this company is owned by Torchmark corporation which is a financial services holding company that is listed on the NYSE (New York Stock Exchange ). Tom, for those of us who know you, it is obvious how many "alter egos" you have posted on this website. Imagine a 23 year old desperate to get some money to pay for his/her food,gas an a hotel when he/she is at a work trip away from home, trying to sell insurance he/she will mostly do ANYTHING it takes to sell those policies!!!! Rip-off Report has the evidence. Think about it. Corporate Advocacy Program: How to repair your business reputation. Featured review. Warwick Rhode Island*UPDATE - Rip-off Report REVIEW: The David Zophin Agency & American Income Life has joined the Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program, committed to addressing & resolving complaints. American Income Life Engaged Employer Overview 4.4K Reviews 5 Jobs 1.6K Salaries 1.8K Interviews 709 Benefits 92 Photos 720 Diversity + Add a Review Employee Review See All Reviews ( 4413) 1.0 Former Employee, less than 1 year SCAM! Copyright 1997-2023 Ripoff Report. At 58 you could still buy $500,000 10 year term for only $11,935 per year, $994.58 per month or $32.70 per day. These appear to be rather characteristic of a particular employment scam in the financial services industry that has proliferated in recent years. Bogus Celebrity Advertisements FACE & Skin CREAM Ripoff! 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. and take care of the widow. Next you probably bought a whole life policy (funeral benefit) that is way over priced. Just not with this company. Or is is this a bunch of crap to get in my door to sell me more. Why Ripoff Report will not release author information! This is the best way to manage and repair your business reputation. In solidarity, no W-2, no retirement, no pension, no annuity, no hourly paycheck, in solidarity with who? The Corporate Advocacy Business Remediation and Customer Satisfaction Program will help you get your voice heard but please be prepared with documentation and fair representation of your concern, also have an idea of how the company can fix your concern. The company also takes appropriate action against any of its representatives who are found to have conducted themselves improperly or unethically. Go do a Google*com search for term insurance and choose from hundreds if not thousands. If you are considering a position with American Income look at the position carefully, with eyes wide open. Rip-off Report recently discovered that All but 2 Rip-off Reports about The David Zophin Agency were posted by the same person. Dont click on those slick Ads! I HAVE made money, MORE than I anticipated. This may not be the policy that you have. Life Insurance | Supplemental Health Insurance | American Income Life Life Insurance: It's for you them. With great caution, I continued the interview and training process, watching for the awful things I had heard about. Feel safe, confident & secure doing business with American Income Life excellent business opportunity. For Frank in regina -and ALL others look closely at your life policy, Please look closely at your life policy - I see lots of talk on the internet about how high the rates are and how you can get $500,000 term policies for pennies etc. Over time and since becoming a member, American Income Life has remained actively engaged and improving the way they address customer service complaints. I feel sorry for people like "Joel," because until the day people like him are willing to change and grow-up, all of their past failures will continue to be the "roadmap" of their own personal "non-successes" for the rest of their lives. Consumers can feel safe, confident and secure doing business with American Income Life / National Income Life an excellent business opportunity for people who like people and like to make money New York Reason For Parent Company New YorkRip-off Report Investigation: American Income Life / National Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and submit to independent investigation. Nationaly about 35% will cancel in their first year. How am I doing on the facts? I t doesn't discriminate against any race, religion, sex, age, or any professional backround. Just sign here and I'll fill the rest out later, you look heathy to me, I don't want you to wait any longer or see how I might check the boxes that you signed for, there shouldn't be any discrepencies unless there is a death and a law suit and we all know the dead guy can't dispute your claims. With respect to all policies from AIL the terms are clearly laid out in the policy itself which you will recieve in the mail 4-6 weeks after applying. Cons. American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. Your only vested interest is making your paycheck from commision only. You also seem to have a bias against whole life. Dylan I almost forgot to comment about your tear jerking story about your kind and generous BIG MONEY making Insurance Company ($100 million per year)that you make sound like is going above and beyond all duties and laws to help the poor widow by processing her husbands no cost union provided $2000 accidental death benefit. One comment made was that American Income gets the mailing list and uses it to do their own mailing. American Income Life dedicated to helping associates achieve their dreams. How those businesses take care of those complaints is what separates good businesses from the rest. American Income Life was an awful place to work. Now since they don't offer a 15,20,25,30 year term lets assume Mr. Doe thought he got a great deal from his union and decided 10 years later to buy another $500,000 worth of term since his first one ran out. 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. American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. Tell us has your experience with this business or person been good? And yes they make profit on that as well. To utilize the Unemployment Waiver of Premium Rider, you must notify the company about your unemployment. Somebody said that I should call my local union president to ask about the letter I received. My office number is: 1-800-711-6611. " Long hours to sometimes not get paid for the week because customers are blowing you off" (in 223 reviews) "There is a lot of turn over in this industry and being commission only can get difficult" (in 216 reviews) See more pros and cons. Not the people. "10 YEAR TERM INSURANCE" under the "code" name of "Income Protection" and you can bet none of the suckers "union members" or their friends and family members who can be invited because they are so special that they can get a free for 1 year a whopping $1000 accidental death benefit know what that means. 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. 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. The BBB lists a complete of 227 closed complaints against the business previously four years, 90 of that have been closed within the past 12 months. * deception of potential clients in order to get sales Rip-off Report recently discovered that all but 2 Rip-off Reports about The David Zophin Agency were posted by the same person. Rip-off Report has the evidence. Look up your rate chart and tell me what a 35 year old male in excellent condition and weight would pay for a 20 or 30 year term, with a $500,000 face value = enough to pay off the house and send the kids to school, car notes, credit cards, etc. The original poster (Joel in Middletown) alleged among other things: Your story sounds good but is not close to reality. Wow, what a union bargain and the agent gets about 50% commission for the first year. Do they pay union dues? -------------------------------------- I believe someone with a record like yours has no business throwing stones. Can't you please look up those numbers Ricky? American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. A very small fraction will. You might be unpleasntly surprised. Do a similar search on "AMERICAN INCOME" you will see that these problems and accusations have been going on for many years in every State. Anyone with a brain would buy the 20 or the 30 year term for those prices if an honest guy advised him properly. To date, American Income Life has addressed and resolved all reported complaints, which have always been resolved to the complete satisfaction of their customers. Rip-off Report has the evidence. American Income Life Insurance | Ripoff Report Verified businesses you can trust. 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. They are coming to my home next week. AMERICAN INCOME LIFE COHEN VELASQUEZ Ripoff Reports, Complaints, Reviews, Scams, Lawsuits and Frauds Reported We could not find any reports on AMERICAN INCOME LIFE COHEN VELASQUEZ. With the money you save you can go buy whole life or term life 12 times cheaper many other places, or for the same price buy 12 times the face value "COVERAGE" that the survivors need after your passing. Unfortunately, you and I both know that not everything we read on the Internet is true. Still with me Richard? You say you are an employee but you are not, you are a 100% commision paid Life Insurance Salesman with a 1099 non employee contract with no reirement benefits, no annuities,no salary,no hourly wage. American Income Life American Income Life Employee Review Total Scam Benefits Specialist (Former Employee) - Columbus, OH - 13 July 2021 If zero stars were an option, that's what I would give for a rating. In addition, Americ, Altig International & American Income Life are dedicated to helping their associates achieve their dreams, and will not allow a legitimate complaint to go unresolved. Waco Texas Nationwide*UPDATE : American Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and submit to independent investigation. Read our investigative Report and American Income Life / National Income Life's commitment to 100% consumer satisfaction. All rights reserved. Real estate news with posts on buying homes, celebrity real estate, unique houses, selling homes, and real estate advice from realtor.com. They are the ones taking your money already. Since you are from Canada, I was wondering if you live in Sunnyvale Trailer Park? She got the door for being dishonest. Important: In addition, American Income Life is rated A+ Superior by AM Best, the organization recognized by th, American Income Life ripoff St. Louis MissouriRip-off Report Investigation: American Income Life / National Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and submit to independent investigation. A competitor no doubt. ALL COMPANIES GET COMPLAINTS - HOW THE COMPANY HANDLES THOSE COMPLAINTS SEPARATES GOOD BUSINESSES FROM BAD BUSINESSES. Some are convertable and renewable, some are not. Of those about 1/2 will set an appointment and out of that about 1/2 will understand they needs presented to them and sign on the line. Waco Texas, Nationwide, Paradise Property Management Ventura Illegal eviction my account being hacked, PPM will not investigate how it happened Ventura California, Kei Kullberg Quintessential Mortgage Group bait and switch you into promising you a low-rate Mortgage Scammer White Plains New York, TAHINI GODDESS Sally schimko Sexyveggies Tahini Goddess inulin Goddess Prebiotic white labeling of non-licensed food supplement. A Rip-off Report independent review has shown that the The David Zophin Agency & American Income Life insurance sales process and products they sell are 100% legitimate - to be expected in a federal, state and provincial regulated industry. All rights reserved. Use your best judgement as to the integrity of the leadership in your office look at the responsibilities critically. The United States subprime mortgage crisis was a multinational financial crisis that occurred between 2007 and 2010 that contributed to the 2007-2008 global financial crisis. In addition, Americ, Altig International & American Income Life are dedicated to helping their associates achieve their dreams, and will not allow a legitimate complaint to go unresolved. I cannot think of one example where it would be in the consumers best interest to purchase a 10 year term from NILICO or AIL. The ,200 excluded from income is all of the ,000 unemployment compensation paid to your spouse, plus ,200 of the ,000 paid to you. 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. A funeral benefit of coarse, if you died of cancer or a heart attack the no cost accidental death benefit is worthless!

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