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American Income Life: AO

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Legit Pyramid Scheme - Agent American Income Life: AO Employee Review

1.0
14 Jun 2019
Recommend
CEO approval
Business outlook

Pros

-The hiring process was quick - I was hired during my first interview. -If you're a good salesperson and enjoy sales/cold calling/driving around to knock on doors, it'd be a good option.

Cons

-You aren't an employee, you're an independent contractor, which means that taxes were a nightmare. -It's 100% commission and you have to pay for all your own expenses. -Super competitive atmosphere and the beginning agents are treated like crap, while the higher ups are like royalty. -The insurance is real, but it's set up like a pyramid scheme and there is huge turnover on the bottom level because it's not sustainable. -You're expected to cold call union members to schedule appointments and if you don't have appointments, you're expected to drive around and knock on doors or leave information. -Felt so unsafe going into people's homes for appointments. -Went on a 10 "business trip" to Aberdeen, WA and had to pay for all my own expenses, but no one in Aberdeen wants or can afford insurance (it's a very low income, old logging town).

Explore other reviews about American Income Life: AO

5.0
18 Jan 2025
Recommend
CEO approval
Business outlook

Pros

Supportive people, good environment, room for growth

Cons

No cons per se. Good company

4.0
5 Mar 2026
Recommend
CEO approval
Business outlook

Pros

Great pay, good consistent training, great management (I personally had a great management team, I know this can vary)

Cons

Fully Remote (this is a con for me as it took a toll on my health over the years), It is commission based which can be tough for some people. There was a noticeable amount of past clients cancelling due to an agent adding more insurance that was too expensive and often didn't properly explain that they were adding more.

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