I called your bluff. Can they offer additional services, extend warranties, offer a fair refund or just get you talking with someone that can help. Most of the $8Billion will never be paid out. Commitment to customer satisfaction, positive rating for its customer support from Ripoff Report. How many attorneys do you have threatening everyone again? Nov 16, 2007 12:00 am EST. Without explanation, SPEEA continues to refuse and ignore my requests and continues to answer with provably false and misleading statements. He said most of the guys are getting these benefits as they are needed. American Income only provides customer support during business hours. The fact of the matter is, you can't get another job. Rip-off Report recently discovered that All but 2 Rip-off Reports about The David Zophin Agency were posted by the same person. 15 Dead union guys per year per state = 750 claims = $1.5 million. Ripoff Report | Complaints Reviews Scams Lawsuits Frauds Reported. Rip-off Report has the evidence. Their idea of important and mine are miles apart. AIL CANADA - ALTIG INTERNATIONAL DISHONEST AND RIPPED OFF BRITISH COLUMBIA British Columbia*UPDATE - Rip-off Report Investigation: Altig International has joined the Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and is committed to addressing and resolving all legitimate complaints. 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 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. Rip-off Report Investigation: American Income Life / National Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program. They have nothing to do with the Union Secure Plan, and claim it as theirs.Lastly, the whole Union Local thing is a joke. Wink, Wink. You know but through all my doubt at the company the best thing that happened to me is I became an insurance agent with unlimited potential to create a wealth of opprotunity for myself. 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. 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. anyone has heard anything about this? Don't worry about where all the ex-agents went. This is starting to sound like a confession for my sins and an act of contrition. It would take a close look at the union governing documents to determine if - after retireing you are still a member - sinc eyhou may have to pay a portion of regular dues- a $1 a year - or some such. We select the policies best suited to the membersactual needs so as not to overlap with what they already have! You seem fixated on just one type I wonder if you ever worked at AIL, or if you did were you trained enough to know all the options. It is a total SCAM. What I said was a customer like John and Jane Doe would be much smarter buying a 20 or 30 year $500,000 term policy for about the price of a $7,000- $15,000 of your expensive whole life policy through your company. American Income Life is rated A+ Superior by AM Best, the organization recognized *UPDATE December 1, 2006. Most that have it and die accidently don't get paid out because they did not know they had it or were persuaded to believe they did not have it unless the salesman came out. Things for the novice to consider. 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. American Income Life insights Based on 1,523 survey responses Areas for improvement Overall satisfaction General feeling of work happiness Ability to meet personal goals Dont recommend!! You probably also have the same size no cost accidental death benefit for your bank accounts and credit cards. They have called and called and called. American 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. If approved by the Insurance Committee, then the full NEC will vote for or against approval. Rip-off Report found that All but 2 Rip-off Reports about The David Zophin Agency were posted by the same person. American Income is a GREAT company. IN 3 WEEKS THEY SENT 3 OF MY RECIPIENTS DEAD FROZEN TINY BOUQUETS calgary, Ponce motors Deceptive car sales Austin Texas, Nextiva efax overcharged me for an entire year even before the monthly trial expired able to use the service at all. Again, you demonstrate the point about being uninformed. Keep them all if you think it's a good deal? Drug Rehab Deception Addiction Treatment Industry Rocked By Fraud & Abuse. Yes the pay is good but only if you have a super week bringing in at least $4,000 net alp than you will receive a paycheck of about 1000 bucks if everything goes well. You referred to it as your company.Even though this poor fellow never had a chance to meet you or sign for his benefits. Altig International & American Income Life are dedicated to helping their associates achieve their dreams, and will not allow a legitimate complaint to go unresolved. It took only three days from being contacted about a position to being hired (RED FLAG). Listed below are just a few samples of the fraudulent activities of AIL, and the scams that are STILL being done on Union members across the country. Rip-off Report recently discovered that All but 2 Rip-off Reports about The David Zophin Agency were posted by the same person. Altig International & American Income Life pledge to resolve all legitimate complaints and address any issues from the past, present and in the future. Drug Rehab Deception Addiction Treatment Industry Rocked By Fraud & Abuse. Waco Texas Nationwide*UPDATE : American Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and submit to independent investigation. It offers life and accident insurance, as well as supplementary health products. IN 3 WEEKS THEY SENT 3 OF MY RECIPIENTS DEAD FROZEN TINY BOUQUETS calgary, Ponce motors Deceptive car sales Austin Texas, Nextiva efax overcharged me for an entire year even before the monthly trial expired able to use the service at all. This is the best way to manage and repair your business reputation. https://www.ripoffreport.com/reports/american-income-life/nationwide/american-income-life-scam-complaints-review-american-income-life-national-income-life-38805. 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 (*=.) Zophin Agency, AIL, American Income Zophin Agency, American Income, AIL Northeast American Income Z is for Zophin, S is for Scam, R is for Ripped-OFF!!! 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. This is the best way to manage and repair your business reputation. Research, don't trust these guys just because your union did. Most laymen would think all hospital bills look very expensive. 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. 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? Hiding negative complaints is only a Band-Aid. I doubt you fooled anybody here. Their "code" word for their way over priced "WHOLE LIFE" insurance is "FUNERAL BENEFIT". They hire their competitors from Combin*d Life to go around and illegally replace those policies. -------------------------------------- and we are talking he/she is playing with people's life/death needs, it is not like selling a vacum machine, it is selling economic aid when that very rainy day comes to the family he/she sells to!!! Mark Colbert from Markcolbert*com disagrees and claimed the parent company "AMERICAN INCOME LIFE INSURANCE COMPANY" has been sued in 9 States and paid to settle each time after seeing the evidence. 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. American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. Each type has its advantages and disatvantages,. http://www.ripoffreport.com/reports/ripoff134672.htm American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. During my very long journey I have witnessed first hand and have met thousands of people who have had their lives changed by this great company in many positive ways. My wife fractured her finger in the past, and as promised, a cheque for $200 was mailed to usbut once again what if I die? The original poster (Joel in Middletown) alleged among other things: In the great State of of NY I can tell you a 35 year old male in excellent condition will pay through your company for a 10 year term R&C for a 35 year old non smoker in excellent shape $4.46 per thousand of coverage, so multiply that times 500 because after doing our needs analysis we determined that Mr. and Mrs. Doe needed $500,000 of protection for their family we get a staggering annual cost of $2,230 per year or $185.83 per month or $6.11 per day.Ouch, please stop the bleeding. In Saskatchewan, as well as all other provinces, when you purachase any life or sickness/ accident policies you enter into a contract with the policy issuer. Try a general search or read the suggestions below. I live in SK, and I have policies with AIL - I just want to make that clear- The local hospital bill totaled up to $921.24 and my union Local 435 only paid $358.56 (38.92%) and sent me a bill for $562.68 (61.08%). Durhon says that is being negative. 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. Including this Report below! I want full disclosure! By how many deaths? Remember, this is for the member's and the Union's protection. That is wrong!!! What a deal, or what a way to get in your door. 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. Some Search Tips: * Try using another version of the business or individual name. 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. 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. 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. What is the name of the Local 277 and where are their local union stewards in case I need help? 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. Click here to read other Rip Off Reports on American Income Life Insurance, https://www.ripoffreport.com/reports/american-income-life-trusted-business-verified-businesses-you-can-trust-commitment-to-customer-satisfaction-positive-rating-for-its-customer-support-from-ripoff-report-american-income-life-national-income-life-provides-products-and-services-through-independent-representatives-and-has-been-providing-benefits-to-families-for-over-50-years/waco-texas-76797/american-income-life-waco-texas-134672. So if you could look up those numbers from your rate book and any of the readers can go on line to compare costs they will see how far out of range your term policies costs are and never mind your other great Lets look at the $8 Billion no cost accidental death benefits. Agents and managers work as independent contractors (so a 1099 is issued as opposed to . Feel safe, confident & secure doing business with American Income Life excellent business opportunity. Ripoff Report | Complaints Reviews Scams Lawsuits Frauds Reported. * an unsolicited call for a job he had not applied for Waco Texas, Nationwide, National Income Life Insurance Company Of New York What to do? Great lets make it simple and look up two quotes for a 35 and 45 year old healthy male who wants to get a quote for a $500,000 term policy for 20 years or 30 years for a male in healthy condition, non smoker in tip top shape. See links I've attached. A competitor no doubt. American Income Life / National Income Life provides products and services through independent representatives, and has been providing benefits to families for over 50 years. 2. Did my Union official know that they won't sell one policy without the other but yet after buying both I can chose later to cancel the expensive one and keep the more valuable one. American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. Again most don't die accidently. 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. American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. MarketWatch provides the latest stock market, financial and business news. Do you know the name of your union Steward or the President of the Local 277? It's funny to see how many of these slick talking union commision only paid Insurance agents pretending to be your union rep are driving non union cars. 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. Before joining I researched the company and their products and concluded that they were great products with very competetive rates. Corporate Advocacy Program: How to repair your business reputation. Well since you are too scared to look them up I'll help you with NYS prices, probably identical to yours or very close, I'm not sure how the difference in the currency effects it. American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. 1983. If a member is approached by an insurance salesman who says he is working for the union, the member should beware and report this to the Local. American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. Let's see what a real insurance company sells for! Ripoff Report REVIEW: American Income Life / National Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program (CAP), and submit to independent investigation. If you would like to see more Rip-off Reports on this company/individual, search here: who's who HaHa, Hal, or Gay Mike, Or Jimmiieachie, who cares you all stink. The suggestions below that all but 2 rip-off Reports about the David Zophin Agency were posted by same... Insurance is `` FUNERAL benefit '' and managers work as independent contractors ( american income life ripoff report a 1099 is issued as to... A confession for my sins and an act of contrition Life join Report. David Zophin Agency were posted by the insurance Committee, then the full NEC will vote or! The Local 277 and where are their Local union stewards in case I need help https: //www.secure03.ins.state.ny.us/webproxy/proxy/complaint/0/StartForm jsp... 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