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Free american income life downloads - Collection of american income life freeware, shareware download - Life On The Mississippi, Investment Income Simulator, Professional Life Insurance Quotes. Find shareware, freeware downloads from thousands of software titles. 2013-2-1 eApp Users Guide. 2 LNL2422 1012 Table of Contents. EApp software and transmit applications to your assigned SGA or Home Office (HO). All transmittals must arrive by noon. Technical Assistance – This option is used to obtain information on how to contact American Income Life (AIL) for technical assistance.
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If you are the sole provider, be #responsible. Don't be a part of t...he 70%. Life insurance does not have to be out of your price range. http://fal.cn/sESDSee More
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'It's kind of like tunnel vision. Then from that point on, it just b...ecame a numbers game. The competition side of me always wanted to be one of the top in our office, and I just kept working at it.' - Michael van Delft, AIL/NILICO Agent of the Year.See More
American Income Life Londonderry Nh
Where to begin...The on-boarding process was like pulling teeth. First, I found myself in a group interview where the main recruiter pitched a simple, yet attractive, sales program. The thought of making a solid living in the insurance business was very appealing; especially of the idea of obtaining residual income. Looking around, I got the immediate feeling this company was trying to throw as much mud against the wall as possible just to see what would stick. This was never more apparent than a few weeks later, hardly any of the people in the interview were still around. The things we were told during that initial interview were we had to pay for our own licensing classes and tests and our own lap tops. This was understandable since we were hired as 1099 contractors and the company did not want to invest money in people who wouldn’t last the first month.
Then came a time for my second one-on-one interview with my future manager. Very little about the company was revealed. I was given a sheet of paper that had the initial costs of the licensing process listed on it. With that, I made an immediate $125 investment to take the 215 life Insurance and Annuities on-line licensing class. About a week and a half later, I was ready to schedule my licensing exam. This took an additional week and a half (for those keeping track, that’s over 3 weeks of making no money so far). After passing my exam, I took me three attempts to connect with my manager. Twice, I was supposed to meet him in the office, and twice he no-showed me for one reason or another (Add another week of not makingmore... money). When we finally connected, I had to pay an additional $50 to file for my license.
Next came the initial training process. The two members of the management team did their best to train and prepare us to sell insurance to potential customers. This is where I learned about AIL’s true marketing strategy. Their marketing strategy was all predicated on the State Of Florida’s Child Safe Kit program. This is a program designed to provide law enforcement with necessary information to help activate the amber alert system in the event a person’s child went missing. Throughout the state of Florida (mainly like places such as a Dollar Tree stores), people fill out and submit forms to receive information on the aforementioned child safe kits. Other people go onto social media web sites (such as Facebook) to inquire about it. Other people would fill out forms to inquire about a save a child program at the local tax collector’s office when renewing their licenses. The head of the agency would invest his money in purchasing mainly child safe kit leads from these different sources. These leads would then be distributed to different agents to try and set up appointments. Other leads would go to a couple of call centers (more on these call centers later). Training lasted about two more weeks. This is where I learned the ugly truth. For the most part, we were asked to perform a “bait and switch” scheme; meaning people were booking appointments expecting to learn about child safe kits. Throughout the process , we were taught to gather information, conduct a needs analysis, and qualify these people, and sell them on the need for life insurance. Hence, the term “bait and switch”. Throughout the process, I was trained very well on scripts until I was ready to be cut loose and go out on appointments on my own (for those keeping track, add two more weeks of not making any money).
When it was time to go out on my own, I was given a sheet to sign. It was a pseudo contract, involving the use of the call center, for me to sign. In order for agents to benefit from the call center, they are expected to pay $500 a month. That’s $125 a week. For brand new agents with limited experience, a $6000 a year investment is a tough pill to swallow. This was yet another investment that was not explained at the outset of the hiring process. What this meant was that if you used the call center, each week, you would be in the negative $125.00. Normally, this would be OK, except our call center was loaded with brand new employees who had no idea how to build any value in the appointments they were setting. This resulted in very poor show rates on appointments that were set. Half the time, I would sho up on appointments to be greeted by a person expecting for a pamphlet to simply be dropped off. Many times, I would end up with impromptu days off due to re-occurring technical issues with the call center and it’s inability to get the schedules out correctly. Other times, I would be double-booked on appointments with other agents. This is not exactly something I expected from a $500 a month investment.
To make matters worse, there were days I would be booked in areas roughly an hour to an hour and a half away from where I lived. Not only was I putting $40 worth of gas in my car 4-5 times a week, but I was tacking on insane miles on it too. All in all, in the three months I actually spent with the company, I made about $3000 (maybe a little less). I burned through well over $5000. As time went on, my savings account dwindled more and more until I was left with a measly $50. Many of the people, who actually purchased policies, ended up cancelling (mainly due to the feeling of being taken advantage of through the “bait and switch” tactics were were taught as agents). These cancellations or refusal of payments ended up as chargebacks. In the insurance industry, when chargebacks occur, an agent has to pay back previously paid commissions. Anytime I spoke up about my concerns, I was looked at as a malcontent with a poor attitude. The so-called managers truly had little to no management experience. Looking back on the whole experience, I truly believe the smartest people were those who never returned after day one of the group interview. It’s a shame because AIL’s products and their customer service is phenomenal. Their marketing strategy leaves many people with a sour taste in their mouths.less
Then came a time for my second one-on-one interview with my future manager. Very little about the company was revealed. I was given a sheet of paper that had the initial costs of the licensing process listed on it. With that, I made an immediate $125 investment to take the 215 life Insurance and Annuities on-line licensing class. About a week and a half later, I was ready to schedule my licensing exam. This took an additional week and a half (for those keeping track, that’s over 3 weeks of making no money so far). After passing my exam, I took me three attempts to connect with my manager. Twice, I was supposed to meet him in the office, and twice he no-showed me for one reason or another (Add another week of not makingmore... money). When we finally connected, I had to pay an additional $50 to file for my license.
Next came the initial training process. The two members of the management team did their best to train and prepare us to sell insurance to potential customers. This is where I learned about AIL’s true marketing strategy. Their marketing strategy was all predicated on the State Of Florida’s Child Safe Kit program. This is a program designed to provide law enforcement with necessary information to help activate the amber alert system in the event a person’s child went missing. Throughout the state of Florida (mainly like places such as a Dollar Tree stores), people fill out and submit forms to receive information on the aforementioned child safe kits. Other people go onto social media web sites (such as Facebook) to inquire about it. Other people would fill out forms to inquire about a save a child program at the local tax collector’s office when renewing their licenses. The head of the agency would invest his money in purchasing mainly child safe kit leads from these different sources. These leads would then be distributed to different agents to try and set up appointments. Other leads would go to a couple of call centers (more on these call centers later). Training lasted about two more weeks. This is where I learned the ugly truth. For the most part, we were asked to perform a “bait and switch” scheme; meaning people were booking appointments expecting to learn about child safe kits. Throughout the process , we were taught to gather information, conduct a needs analysis, and qualify these people, and sell them on the need for life insurance. Hence, the term “bait and switch”. Throughout the process, I was trained very well on scripts until I was ready to be cut loose and go out on appointments on my own (for those keeping track, add two more weeks of not making any money).
When it was time to go out on my own, I was given a sheet to sign. It was a pseudo contract, involving the use of the call center, for me to sign. In order for agents to benefit from the call center, they are expected to pay $500 a month. That’s $125 a week. For brand new agents with limited experience, a $6000 a year investment is a tough pill to swallow. This was yet another investment that was not explained at the outset of the hiring process. What this meant was that if you used the call center, each week, you would be in the negative $125.00. Normally, this would be OK, except our call center was loaded with brand new employees who had no idea how to build any value in the appointments they were setting. This resulted in very poor show rates on appointments that were set. Half the time, I would sho up on appointments to be greeted by a person expecting for a pamphlet to simply be dropped off. Many times, I would end up with impromptu days off due to re-occurring technical issues with the call center and it’s inability to get the schedules out correctly. Other times, I would be double-booked on appointments with other agents. This is not exactly something I expected from a $500 a month investment.
To make matters worse, there were days I would be booked in areas roughly an hour to an hour and a half away from where I lived. Not only was I putting $40 worth of gas in my car 4-5 times a week, but I was tacking on insane miles on it too. All in all, in the three months I actually spent with the company, I made about $3000 (maybe a little less). I burned through well over $5000. As time went on, my savings account dwindled more and more until I was left with a measly $50. Many of the people, who actually purchased policies, ended up cancelling (mainly due to the feeling of being taken advantage of through the “bait and switch” tactics were were taught as agents). These cancellations or refusal of payments ended up as chargebacks. In the insurance industry, when chargebacks occur, an agent has to pay back previously paid commissions. Anytime I spoke up about my concerns, I was looked at as a malcontent with a poor attitude. The so-called managers truly had little to no management experience. Looking back on the whole experience, I truly believe the smartest people were those who never returned after day one of the group interview. It’s a shame because AIL’s products and their customer service is phenomenal. Their marketing strategy leaves many people with a sour taste in their mouths.less