Pros
Nothing is good about this place
Cons
I’ve never written a review in my life but I really feel obligated to make sure people are aware of what they’re getting into here… There are two things people should know. 1) this company is morally wrong for society and a compete scam. 2) it is a MLM company ( like a pyramid scheme). If you only care about making money and don’t care about the morality of what you’re doing, scroll to the bottom and read “MLM”. If you do care, start here: The moral aspect: Unlike other pyramid schemes that sell energy drinks or vitamins … this one sells insurance (whole life policies) to people who work as independent contractors that have have a more unstructured work day as opposed to a 9-5. So, what does that mean? That means that they’re going after people who worked in a union, on an assembly line, as a carpenter, etc. For a lot of these people, finding insurance isn’t always super easy but it’s DEFINITELY confusing… especially considering the fact that the average demographic for the target of the person you’re selling does not have a degree and they’ve never worked in the business world (where you learn how conniving people can be). AO offers a verify of free services (like amber alert kits) to get in the door… but they train their staff to then push their insurance policies on you; which is where they make their money. So the first thing to understand here is this, most of these clients aren’t trying to stand face to face with a pushy salesperson… they’re not in the market for insurance, and they’re likely just applying things like for free kits to keep their kids safe. These people are susceptible in my opinion. It’s not really a good business practice… but the worst part is that AO actually trains its employees to go after the MOST susceptible people in the demographic. For example… Let’s say hypothetically AO what a lead on a grandfather who was a union worker his whole life and was requesting a McGruff free kid kit… if the agent showed up at this grandfather’s house and he seemed very confused and venerable, that would be considered a “good opportunity.” If this grandfather was the opposite (stern, continuously explaining that he didn’t want services, seeing through all of the sales nonsense, etc…) that would be considered a “bad lead”. Now… on to the next point. The “training/pitch”. AO’s training program is memorizing a 6 page script that pushes on people extremely hard to get their services. The saying there is “memorize 6 pages and make 6 figures”. This pitch is full of guilt tactics, scare tactics, bait and switch tactics… all to manipulate people. In my opinion, it’s pretty heartbreaking. Whats really sad too is that many of these insurance policies aren’t very good. I’ll admit… I don’t know what’s on the market and what’s not as far as policy goes… but what I will tell you is that I’ve heard many professionals say that these policies are not worth it and that they’re more or less “snake oil.” If you go online and look them up, you’ll read many sad stories on the Better Business Bureau about how fine line print and misunderstand kept families from getting money after they they lost a loved one. MLM: Okay so… for those who do not know, let’s first step back and look at the concept behind a successful MLM (or multi-level marketing company). Let’s start with an example to explain this idea: When I was growing up, a knife company recruited a bunch of kids in my neighborhood to sell knives to the neighbors. Every few years, my mom bought these very expensive knives from the neighbors because she wanted to support the kids young careers. This exemplifies one of the common principles with MLM organizations. The knife company’s goal is to sell as many of these knives as they can to people like my mom at as low of a cost as they can to make the most profit. The cost (simplified) to “acquire” my mom as a customer was the commission they paid my neighbor, the cost to build up the sales program, and the cost to make the knife. The company could have generated demand in a different way…. they could have invested the money in advertisements or product development and got my mom to buy it on her own… but there is risk involved in that. They don’t know if it will work. In the current model, the knife company makes a ton of money bc 1) they’re not putting any money up front on the cost of good sold bc they pay the sales people when they make a sale 2) they will reach an audience they may not have reached with traditional marketing 3) the customer in this case (my mom) will feel she’s not only buying the product, but she’s helping my neighbor. In this business model, the key is to get as many employees as you can (because there is no risk). Now….. why did I just go on a tangent about my mom & knives?? Bc this is a similar concept of AO. First of all, AO has virtually no risk when hiring you on. - It’s 100% commission. - You have to pay for all certifications out of your own pocket before selling -you’re not expensed for anything related to the sale (like gas or travel). Since it’s virtually no risk, they want to hire on as many people as they can. The more the better… meaning they will hire anyone. The whole goal is to make the company seem so appealing so they can have tons of people come on. Even if 10% of new hires stay for a year… they don’t care bc there is no risk and at the end of the day all they care about is bottom line revenue. So how do you get people to apply for an insurance sales job? That doesn’t seem like an appealing profession right? Well.. this is where (in my opinion) AO has had its success. If you look at AO’s social media / hiring pages, they are selling the idea of wealth. They make it seem like their employees can make hundreds of thousands of dollars a week, that they all drive spots cars, and that they go on luxurious company trips. I hate to say this, but this is all a perfectly derived lie to get you to believe in a scam. So many of these agents are posting videos on their instagram pages with videos of them driving around, playing golf, throwing money in the air, etc… it’s a professionally made video to make themselves seem like they’re rap stars. They also will post interviews of themselves saying they made $300,000, $80,000, etc.. in one week or one month. It’s just not true. It’s a complete lie or fabricated. They’re not bringing that home in a commission check. All they’re trying to do here is recruit more people. Because I’m this business, you make a % off the commission for the people you being on… and if they bring people on, you make money off of them too…. If you draw that out, what do you get…? That’s right… a pyramid. There’s a reason the instagram page or all these videos don’t mention anything about the product. There is a reason this company has like 10 different names and it’s hard to find online. There’s a reason everything seems fishy about this company and it seems too good to be true. Unfortunately, we live in a world where people can make money tricking people. It happens in every business and is inevitable… however, AO takes it to the extreme. This is a company that sells you on a dream that you can live the life of an influencer or rap star… they try to hook you in, teach you their tactics, bring on even more people, and go after the weak and vulnerable. This is a compete scam and a real black mark on where we are in the world.
