The interview process was very strange as the first "interview" was not an interview at all - it was a webinar where a regional manager made a presentation to an undisclosed number or participants. We were asked to immediately answer a few questions after the "interview" (again, it was a webinar) and that the answer to those questions would qualify us to be considered among the top candidates for a "final interview." There were only 2 questions and the 2nd one asked if you were made an offer of employment, would you be able to immediately start the process of obtaining your license to sell insurance. That part is not concerning whatsoever as you need to be licensed in order to sell insurance. The part that IS concerning is the vast difference in the amount of money that was stated it would take to gain your license and what the reality is. The regional manager said it would be about $85 in total when in reality, the total cost which includes: the online course, exam fee, fingerprinting, and license application is $410. I saw this as a red flag among many other red flags during the process. I was invited for a second "final interview" which again, was the first actual interview. While the interviewer was nice, professional and knew her stuff, it felt very rushed. She barely asked me questions about myself and was entirely focused on (barely) explaining the role more about the company. It was a red flag to me as well that she said I only had 24 hours to make my decision about joining the company or not. In the end, the structure is quite obviously an MLM (pyramid scheme). I'm sure you can make good money with this company but it's not for me - especially when it all felt very pushed, rushed and a bit dishonest.
Interview questions [2]
Question 1
The only questions were really about if I understood what the company was about and the role I'd be doing. 90%+ of it was more explaining the role, pay structure and career path.
I applied through a recruiter. The process took 3 days. I interviewed at American Income Life (San Antonio, TX) in Dec 2011
Interview
They found my resume on the internet and called me. I blew them off for three months, then called them back. They offered me an interview for the next morning. Next morning involved filling out a single information sheet, then a three minute interview, then a group presentation for an hour, then out the door to wait for a call-back. They never asked me for my resume. Call-back came two hours later inviting me for one-on-one interview the next day. Wake up in the middle of the night with alarm bells going off in my head. So I get up and do research on this website where I read so many negative reviews that I come up with list of 20+ questions to ask before I'm going to bother showing up for my 8:45am appointment this morning.
What will my sales territory be? What is most distance I will be expected to travel?
Do you ever give duplicate leads? What is the percentage of duplicate leads? Does the company keep track of who has been presented to and remove that household from the leads list?
Will I ever be asked or encouraged to sell to family or friends?
What are the hours I will be required to work as an Individual Producer?
How long does training last? What are the hours?
How long till I’m out on my own?
Once out on my own, what are the required meetings and hours of those meetings?
Is there a signed job contract?
Can I see a sample insurance contract? (the product)
Why don’t you pay during training? Why don't you pay or at least reimburse for licensing?
What are child safe boxes?
How stable will my office location be? How many offices are there in San Antonio? Is switching areas ever mandatory?
Benefits?
What happens to your commission when a customer cancels? (direct withdrawals?)
What will be my total cash outlay for the company? Are there any processing fees?
How many hours per week will I be expected to work during training?
Exactly how many days of training?
What is “coded business”?
That's my list so far.
