"Service Director" - Service Director AIL Midwest Employee Review

I worked at American Income for a little over six months and it was hands down the worse time of my life. It's hard for me to put into words to paint the picture of the misery this place will bring you. Your 1099 here and what that means is that you get all the negatives of a 1099 and none of the positives. There is absolutely no work life balance. Mondays you have to be in by 9am with your turn in done. Which means you have to spend hours on Sunday your only day off if your lucky to make sure turn in is done. Then you have to sit through multiple incredibly brutal meetings that repeat themselves over and over again. That goes until 3 p.m. where you then hit "phones" By phones I mean call the 20 terrible leads they gave you a month ago and calling them over and over again until 9 pm. It is mandatory your there but you do not get paid and every Monday your there for 12+ hours. Tuesday and Wednesday you go your out to see the appointments that you lied and manipulate the clients to sit with you. You are required to be in the field from 1-10 pm. If you do not have appointments you have to door knock over and over again until you finally get a hold of the client who does not want anything to do with you and you get cursed at because they literally get harassed every few months to buy more insurance. I cannot even count how many times I was told by clients that they just wish they could just cancel but there so far into the plan now that they cannot lose the coverage. Also your area is an hour away on average so you do not get home until 11 pm or 12 am. Then Thursday your back in the office but since there is no turn in you do not have to be in until 10 am. However it is the same thing as Monday minus the turn in. So your there for 11 hours at least instead of at least 12. I say at least because if you have any problems or need any help whatsoever you have to wait till after phones (9 pm) for the help. Which brings us to Friday, Friday is the same as Tuesday and Wednesday your seeing clients/door knocking from 1-10 and not getting home until 11 pm-12 am. Then you have to be up, in your area/at your appointment with donuts and pictures of them posted to there chat room and on a conference call by 8 am. You do not get out of your last "sit" on Saturday till at least 5 pm. Then Sunday is suppose to be your day off however every other month is a what they call a "win month" which means your office day there are only one meeting and your on phones for 10 hours Monday and Thursday instead of 6 hours. Your appointments now for Tuesday, Wednesday, and Friday must be set from 9 am-9 pm, Saturday from 8 am till 7 pm and Sunday your back in the office (unpaid as always) from 10 am till 7 pm. So on these "win months" you are calling your same 20 ran thru leads for on repeat for almost 30 hours a week all unpaid. Doing all this is considered the "bare minimum" if you actually want to ever get new terrible leads you have to do all this and more to be considered "trying". Also setting your appointments is hard enough but must of them will no-show you and other will one-leg you which means the other spouse will not be there. The actual appointments you do get you literally have to manipulate and lie to the customer to get the sale. I could go on and on about how terrible this place is. It honestly should be illegal. There is no work/life balance. Its like working two full time jobs one is in the office completely unpaid and the other your driving your own car at your own expense to awful "sits" praying you get a sale. The office environment is also horrible it is all favoritism and if you do not kiss up to the mga and ga you will not get far. I cannot stress how horrible this opportunity is. Please do not make the same mistake as me and stay far, far away from this place. Getting into insurance was a great decision and i highly recommend it for a career path but going to this company and sticking it out for almost 7 months was the worse decision I ever made in my entire life!