What do you think of American Income Life as a company and as an employee that works as an agent for them?
I got hired but have been reading and hearing some bad things about working there. I need another opinion please. i will be a sales agent and its 100% commission, they want me to pay them to teach me how to do everything and there is no reimbursement.
Being in the field for 3.5 years I have worked with many clients who have AIL agents. And while there are many stories to share it is unethical to talk about any other company and due to compliance I could be held accountable for any statements I make. Also, I would love to tell you about our opportunity but my intentions are not to convince you to leave something you feel confident about. I have seen those types of commission structures you are talking about and it's sad to say that 95% of agents leave the business within the first 4 years because they can't withstand that type of program.
Daniel ... I'm glad you turned down their offer, but you should have done the research before accepting their interview. Finding a job ... the right job ... for you situation means being an educated prospect. You have to do as much research as possible about a company and have that knowledge going in and use that to determine whether or not the company is the right fit for you. Yes, I know it can be difficult at times to find information on businesses, but it can be done and needs to be done.
The employee-employer relationship and interviewing process is a two way street. Not only is the employer trying to ascertain who would be the best person for their company and position, the prospective employee should be interviewing the company in return to determine if the company's culture, business model, etc. fit their believes, needs and desires.
I would like to encourage you to re-examine your goals. If you truly desire to be an insurance salesman, there are many insurance companies that offer training on their dime. Certainly you should consider only those that are prepared to invest in their employees. Anther area to consider is the turnover rate. Insurance companies have a very high turnover of new agents. You might have a better opportunity at a full service financial company that offers a larger menu of products to sell.
I had a sales position at one time, I realized it wasn't for me, however if they want you to sell their product and will not pay to train you or offer you start up salary I would run the other way.
I don't know much about this company on a personal level, and it's good you asked on Mosaic. I hope you find some answers here. But also try looking on Glassdoor.com; that Web site offers some great insight about what it's like to work for hundreds of companies. If you haven't checked there yet, it's a great research resource for questions of just this type.
Best of luck,