Featured review. AMERICAN INCOME LIFE INSURANCE COMPANY 2003 OK CIV APP 62 77 P.3d 1090 Case Number: 95995 Decided: 06/04/2002 Mandate Issued: 07/31/2003 DIVISION II THE COURT OF CIVIL APPEALS OF THE STATE OF OKLAHOMA, DIVISION II KAREN PETERS, Plaintiff/Appellee, vs. AMERICAN INCOME LIFE INSURANCE COMPANY, a corporation, Defendant/Appellant, and DONATE NOW! Waco Texas Nationwide*UPDATE : American Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and submit to independent investigation. American Income Life / National Income Life provides products and services through independent representatives, and has been providing benefits to families for over 50 years. They all have the benefit whether you or any other 100% commisioned insurance salesman sees them. Waco Texas Nationwide*UPDATE : American 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. American Income Life: AO 160,762 followers 4d The annual award show is 1 week away! How those businesses take care of those complaints is what separates good businesses from the rest. We look the members needs and then recommend the appropriate coverage. Next you probably bought a whole life policy (funeral benefit) that is way over priced. Say we owe over $22,000.00 for the rest of their so called contract !!!!!! If that is the case I will cancel mine. what if they do not want to pay out? It takes money from my household income when the unions find new ways to work deals with insurance companies that leave me paying an extra $70.00 per month for more coverage but ending up with less. Either way if there is an emergency in your houshold someone will be going for treatment and we have no control over the charges that we incur. Tell us has your experience with this business or person been good? Rip-off Report REVIEW: The David Zophin Agency & American Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program (CAP), and submit to independent investigation. 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." Lees Summit, Missouri. If you are considering a position with American Income look at the position carefully, with eyes wide open. Corporate Advocacy Business Remediation and Customer Satisfaction Program. 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. 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 approved by the Insurance Committee, then the full NEC will vote for or against approval. Now that you saved 75% or more of your bill ask them how much to switch to an annual policy, you save a little more. 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. Feel safe, confident & secure doing business with American Income Life excellent business opportunity. 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. Yadada. Read our investigative Report and American Income Life / National Income Life's commitment to 100% consumer satisfaction. Why do you think I left. Make Time Online Rating: 50 out of 100 Recommended: No Here's my top recommended program >> Quick Navigation Rip-off Report recently discovered that All but 2 Rip-off Reports about The David Zophin Agency were posted by the same person. - NOTICE: *UPDATE December 1, 2006. 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? Let's see what a real insurance company sells for! Is all they needed was someone with power in your union to sign the form letter. There is also no need to let that 100% commision paid rep in your door to get the no cost accidental death benefit. 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. Who would you contact if you needed to file a grievance? American Income is not like the other insurance companies. 1,208 Ratings. this program works. I got back $400. Rip-off Report found that All but 2 Rip-off Reports about The David Zophin Agency were posted by the same person. Altig International, American Income Life, American Income Life Insurance Company - The Geneser-Geneser Agency, National Income Life Insurance - American Income - Local 277. Who's crazy enough to start this website? Corporate Advocacy Program: How to repair your business reputation. NOW, there very SHAMEFUL practices of AIL : I can't find the local 277 in the phone book. Take your hands off yourself. Should we call Emergency rooms ahead of time to shop and compare costs of possible treatments of what we may guess we will need? Including this Report below! Ripoff Report | Complaints Reviews Scams Lawsuits Frauds Reported. American Income Life Scam Review | Complaints INVESTIGATION: 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. In fact, I can clearly remember one union member who passed away after responding to his union's benefits letter, naming his wife as the beneficiary. Do you let your them know how it works, or do you tell them they can increase or decrease the face amount every 10 years, or not even that? 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 may not be copied without the written permission of Ripoff Report. Waco Texas, Nationwide, American Income Life ripoff THERE'S NO NEED FOR YOU TO WASTE YOUR HARD EARNED TIME AND MONEY ON THIS PLACE. If at any time Mr. Doe got cancer, heart problems, kidney, diabetes, etc. 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%). Your story sounds good but is not close to reality. Or is that for the real insurance companies? I have politely asked her 3 times not to bother us on Sunday nights. American Income Life Insurance | Ripoff Report Verified Safe. Keep in mind they may claim they offer over 8 Billion dollars in accidental death benefits but we all know most people don't die accidently and there are several other exclusions listed on that no cost accidental death benefit. I assume you now have a good job with great money and benefits that allows you Their pay is very low. 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. 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. Have a computer? Including this Report below! The Oldham Group Oldham Agencies in Lees Summit, Missouri Do NOT go to work for this company. Dead man tells no lies. You probably also have the same size no cost accidental death benefit for your bank accounts and credit cards. 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. 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. Waco Texas, Nationwide, American Income Life ripoff reaches NC Swananoa North CarolinaRip-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. The fact of the matter is, you can't get another job. 4.Americ*n Mayflower But what about the insurance itself? I believe you would not do that Richard, but some 23 year olds would to at least have the money to pay the gas to go back home after a work trip. HOWEVER AMERICAN INCOME LIFE IS UNION AND UNDERWRITTEN THROUGH A UNION COMPANY. All rights reserved. Dumron spends half of his time threatening real agents that went on to work for real insurance companies that if they replace one of his policies he will sue them and he has not lost a lawsuit yet. during those other 20 years nobody would sell him insurance for any price. Can't I be put on a do not call list? Waco Texas, Nationwide, INVESTIGATION: American Income Life, National Income Life pledges its commitment to customer satisfaction and Affiliate support. A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business. Hiring practices, being an Agent is not an easy job, it is not a job for everyone, and only few are succesful. 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. 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 competitor no doubt. Waco Texas Nationwide*UPDATE : American Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and submit to independent investigation. Before I begin, let me say that the opinions expressed below are mine and mine alone. Bogus Celebrity Advertisements FACE & Skin CREAM Ripoff! A funeral benefit of coarse, if you died of cancer or a heart attack the no cost accidental death benefit is worthless! However, Altig International has made a commitment to 100 percent resolution of all legitimate complaints. 3. I t doesn't discriminate against any race, religion, sex, age, or any professional backround. What a deal Ricky! They receive no salary. Go ahead. Lets say Mr. Doe bought this $500,000 term policy at 35 and paid on it for 10 years at $2,230 per year, that would be $22,300 and then paid for 10 more years at $4,290 per that another $42,900 totalling so far $65,200. * incentives for recruiting others 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. DIG OUT YOUR LETTER THAT CAME WITH THE CARD. Again most don't die accidently. 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. American Income Life / National Income Life join Rip-off Report Corporate Advocacy Business Remediation Customer Satisfaction Program and submit to independent investigation. Of coarse not. Do we all agree that $2000 is plenty of money for the rest of the family to live on once our dearly departed has expired? Well, it is obvious the hiring and operating practices of American Income are questionable. Advertisers above have met our American Income Life - Zophin Agency ripoff Warwick Rhode Island - - NOTICE: *UPDATE December 1, 2006. Who is ED Magedson - Founder, Ripoff Report. all this time to spend online. Commitment to customer satisfaction, positive rating for its customer support from Ripoff Report. Things for the novice to consider. "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. Feel safe, confident & secure doing business with American Income Life excellent business opportunity. 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. and take care of the widow. Sometimes members do not want a visit. I hope this has cleared up a few questions, Deceptive insurance selling to union members. Real estate news with posts on buying homes, celebrity real estate, unique houses, selling homes, and real estate advice from realtor.com. Do they have annuities? American Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. American Income Life TRUSTED Business | Verified businesses you can trust. 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. 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. Drug Rehab Deception Addiction Treatment Industry Rocked By Fraud & Abuse. It is a total SCAM. They are not eligible for Union representation. I don't think they have been working for our union for 4 years, I believe it was 2. The last time I asked to notify us by mail instead of phone. 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. Say we owe over $22,000.00 for the rest of their so called contract !!!!!! 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 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. Waco Texas *UPDATE: American Income Life / National Income Life join Ripoff Report Corporate Advocacy Business Remediation Customer Satisfaction Program and submit to independent investigation. Covering Phoenix, Mesa, Glendale, Scottsdale, Gilbert, the valley . I was born at night but it was not last night. The Oldham Group Oldham Agencies in Lees Summit, Missouri Do NOT go to work for this company. As an ex employee you seem to be very uninformed about what is avilable at AIL. American Income Life is rated A+ Superior by AM Best, the organization recognized *UPDATE December 1, 2006. With Reference to your comments about the two Policies you bought from AIL. American Income Insurance / Torchmark Corporation. The ,200 excluded from income is all of the ,000 unemployment compensation paid to your spouse, plus ,200 of the ,000 paid to you. I'll be watching him a little more closely. 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. Redmond Washington, Altig International & American Income Life are dedicated to helping their associates achieve their dreams, and will not allow a legitimate complaint to go unresolved. Act accordingly, they will try to talk you out of dropping that one because that is where they earn about 99% of their profit. Consumers love to do business with someone that can admit mistakes and state how they made improvements. It is a small world isn't it. All rights reserved. Waco Texas, Nationwide*UPDATE In the 3 years since joining CAP in October 2006, no new complaints have been added to Rip-off Report against American Income Life or National Income Life nationwide. 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. The names of the insurance companies look something like this. Waco Texas, Nationwide, American Income Life Bill Heath Agency misleading hiring practices dishonest sales indifferent management Jeffersonville IndianaRip-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. Has Mark Colbert.c*m, private investigator assisted in suing them? Take your policies to an independant agent and have him explain what you have bought. What is the name of the Local 277 and where are their local union stewards in case I need help? She got the door for being dishonest. 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. Waco Texas Nationwide. 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. A competitor no doubt. 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. American Income Life, AIL, Altig International RIPOFF, PYRAMID SCHEME WASTE OF TIME Burnaby British Columbia*UPDATE - Rip-off Report REVIEW: Altig International has joined the Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and a Rip-off Report independent investigation. Are you licenced to sell variable insurance products through AIL? Since the policy may be for union *members* , then you meet the requirements as long as you are a *member* I hope I can trust the union to do the right thing and if they don't there will be legal action taken. Sounds like a real union brother to me. Ha Ha, How do you feel writing all those Family Care Plans? Paying off the mortgage the cars, the College, etc. Do not, under ANY circumstances allow them into your home. 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. Altig International & American Income Life are dedicated to helping their associates achieve their dreams, and will not allow a legitimate complaint to go unresolved. In his words they are "scammers". If so where do I sign up? How am I doing on the facts? Has your experience with this business or person been good? American Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. Rip-off Report has confirmed that American Income Life is no fraud, is not a scam and is of the highest integrity. Lees Summit, Missouri. Commitment to customer satisfaction, positive rating for its customer support from Ripoff Report. It is a total SCAM. A competitor no doubt. Copyright 1997-2023 Ripoff Report. 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. Immediately bring any problems, complaints or contacts by an unknown insurance company to the attention of your NVP. It is sold by Union Life and is called the Union Secure plan. Many others won't even try them because the magnitude of complaints that they generate. Most of them couldn't be any further from the truth. He can't buy it for any amount of money because your chances are too great that you may die and if you did they would have to pay a claim. If I promise first to call them and tell them you will be contacting them and how kind and generous and caring your company is. 1.Linc*ln NY You will be lied to constantly here from the time you walk into the door to the day you eventually quit. To Richard from MB Our accident policy has paid when it is supposed to. 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. Consumers educating consumers., Complaints Reviews Scams Lawsuits Frauds Reported.. People who are very positive about their company while they're there seem to lose this enthusiasm after leaving due (often due to lack of income) and no longer getting regular pep talks (which can border on cultic). With over 2500 representatives and millions of clients, American Income Life / National Income Life is bound to be the subject of a certain number of complaints about improper agent conduct, as well as product and administrative complaints.Rip-off Report's investigation found such complaints, but importantly also found that American Income Life / National Income Life is committed to resolving such complaints quickly and is doing everything possible to satisfy its clients and representatives alike. Waco Texas, Nationwide, INVESTIGATION: American Income Life, National Income Life pledges its commitment to customer satisfaction and Affiliate support. Rip-off Report found that All but 2 Rip-off Reports about The David Zophin Agency were posted by the same person. One of the reasons why Insurance agents are licenced is because we have to learn all the different products avialable and what suits each member's needs. 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. Benefits Specialist (Former Employee) - Remote - February 2, 2023. American Income Life / National Income Life pledges to resolve all legitimate complaints and address any issues from the past, present and in the future. Hardly a Ripoff 1.5 million" paid out is absolutely true. In NY they don't offer 15,20,25,30 year term for any amount of money because they just want to sell you their over priced whole life. X | CLOSE The real thing you have noticed that you bought 2 policies and have the right to cancel either or both or none. READ: Foreign websites steal our content. From what I remember you had some legal problems yourself. American Income Life is truly dedicated to making sure ALL customers are happy. As a side note for Ricky, Mrs. Doe could bury or cremate Mr. Doe with that $500,000 and have enough to pay off most if not the rest of her debt. American Income Life is rated A+ Superior by AM Best, the organization recognized *UPDATE December 1, 2006. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. National Income Life Insurance Company Of New York, Ripoff Report REVIEW: Altig International & American Income Life, Altig International, American Income Life, American Income Life, AIL, Altig International, American Income Life Insurance Company - The Geneser-Geneser Agency, Rip-off Report Investigation: The David Zophin Agency & American Income Life, National Income Life Insurance - American Income - Local 277. Who's crazy enough to start this website? I warn you: 1. 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. American Income Life TRUSTED Business | Ripoff Report Verified businesses you can trust. 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!! $8.58 per thousand times 500 equals only $4,290 per year, only $357.50 per month or only $11.75 per day. Redmond Washington, Altig International & American Income Life are dedicated to helping their associates achieve their dreams, and will not allow a legitimate complaint to go unresolved. Member business the appropriate coverage Ripoff 1.5 million '' paid out is absolutely true TRUSTED business | Ripoff.. We call Emergency rooms ahead of time to shop and compare costs of possible treatments of what we guess! Customers are happy can admit mistakes and state how they made improvements made improvements I,... Made a commitment to 100 % commision paid rep in your union sign. Benefit ) that is way over priced or Pacific depending on the of. 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