Any way you slice it anyone can buy a policy that size for 10 times less from a dozen different companies on legitimate web sites that anyone can input their information like www.selectquote*com and see with their own eyes. All business will get complaints. Now everyone knows that NILICO hires ex-cons due to your big mouth. If it is, I would cancel it, but not before getting something(if you have a need)with better rates, a higher face amount and longer term. A Rip-off Report independent review has shown that the The David Zophin Agency & American Income Life insurance sales process and products they sell are 100% legitimate - to be expected in a federal, state and provincial regulated industry. S. 0 by TIT0 on GraphicRiver. I doubt you fooled anybody here. Torchmark. Father time works against us all and I want to use my $70 per month towards my bills and retirement, not some two faced liar bothering me on Sundays. We look the members needs and then recommend the appropriate coverage. Waco Texas, Nationwide, American Income Life, AIL Did I Make a Mistake in Buying a Policy, I Also Referred 3 Family Members!! For example, dissconecting your phone while you're pretending to work, or hiding in a closet to avoid responsibility or worst of all not properly taking care of our clients because of a grudge you had against the company. Everyone knows a John and Jane Doe in those ages with those types of bills and children that need that much protection and only a fool would spend that much money for a $7000 whole life product because after the funeral there is nothing left but the bills, and the house and other things to sell. Hide on your laptop but remember how many of us you told? I cannot think of one example where it would be in the consumers best interest to purchase a 10 year term from NILICO or AIL. American Income Insurance / Torchmark Corporation. Nov 16, 2007 12:00 am EST. Lees Summit, Missouri. *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 and a Rip-off Report independent investigation. 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? Waco Texas, Nationwide, Altig International & American Income Life are dedicated to helping their associates achieve their dreams, and will not allow a legitimate complaint to go unresolved. Remember, this is for the member's and the Union's protection. Can they offer additional services, extend warranties, offer a fair refund or just get you talking with someone that can help. Their "code" word for their way over priced "WHOLE LIFE" insurance is "FUNERAL BENEFIT". 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. Some Search Tips: * Try using another version of the business or individual name. When I queried about the premiums , the response in SPEEA 04-307 again denied SPEEA responsibility or ownership o rpayment of premiums , while at the same time including a document that proved such statements were false. Wow what a great Union Product you sell, and what a bargain, $185 per year compared to your $2,230 per year. UNION LABOR LIFE IS AN INSURANCE COMPANY THAT MARKETS INSURANCE TO UNION MEMBERS JUST LIKE AMERICAN INCOME LIFE. Rip-off Report recently discovered that All but 2 Rip-off Reports about The David Zophin Agency were posted by the same person. American Income Life continues to show customer service is of the utmost importance and they currently have no complaints! All rights reserved. About 10% of union members are foolish enough to respond to the card that borders on flat out lying. From what I remember you had some legal problems yourself. File your review. 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, committed to addressing & resolving complaints. If a member is approached by an insurance salesman who says he is working for the union, the member should beware and report this to the Local. Now if you could stop avoiding the question and answer it I would be happy and the readers would learn some facts rather than your smooth talking answers to questions that were not asked. The UAW has a problem with them. Whole life coverage also contains a cash value component, which means they grow in value over time and may be treated as a financial asset. I hope this has cleared up a few questions, Deceptive insurance selling to union members. No offense intended, Greg, but your research is seriously flawed. Including this Report below! Make clear that you want to keep your accident policy if you do. Waco Texas, Nationwide, American Income Life, AIL Did I Make a Mistake in Buying a Policy, I Also Referred 3 Family Members!! It is not an EASY job, and it's not for everyone. -------------------------------------- I wish I worked for your union. If you have a sense of confidence in your own ability to do the job, and if you're stubborn enough to see it through the first (grueling) 90 days it is a GREAT opportunity. In his words they are "scammers". [signed by SPEEA General Counsel ] Dont click on those slick Ads! Pie in the sky crap or legit employment opportunity ? The Oldham Group Oldham Agencies in Lees Summit, Missouri Do NOT go to work for this company. I started to imagine this kind and generous not for profit company coming to the rescue of the family here. Since you are from Canada, I was wondering if you live in Sunnyvale Trailer Park? Commitment to customer satisfaction positive rating for its customer support from Ripoff Report. ALL COMPANIES GET COMPLAINTS, BUT HOW THE COMPANY HANDLES THOSE COMPLAINTS, SEPARATES GOOD BUSINESS FROM BAD BUSINESSRip-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. 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? - NOTICE: *UPDATE December 1, 2006. Dylan and I agree on one thing partially, check with your union,stewards, union presidents, but go one step further and ask them to have their legal department or financial advisors or CPA look into the accusations, where we disagree is in calling American Income, what do you think they will say? Rip-off Report has the evidence. It sounds like GAY Mike is trying to take credit for being HA HA, if so big deal failure at career #2, he couln't teach either. Commitment to customer satisfaction, positive rating for its customer support from Ripoff Report. AIL 100% commitment to customer satisfaction & Affiliate. American Income Insurance / Torchmark Corporation. Corporate Advocacy Program - Verified Status, How To Get Your Report Featured On All Report Pages, American Income Life Insurance | Ripoff Report Verified Safe. They do this by following a MLM business model where members are paid commissions every time they sell insurance plans and recruit people into the company. ALL COMPANIES GET COMPLAINTS - HOW THE COMPANY HANDLES THOSE COMPLAINTS SEPARATES GOOD BUSINESSES FROM BAD BUSINESSES. I think they were called Combined something or other. On a federation-wide basis, only three companies (National Western Life, Union Privilege, and Americo) are currently authorized by the NEC to have one-on-one contact with an AFGE member -- subject to the National Vice President's and the Local President's approval. The victims are hired as independent contractors. By paying the claim they are doing by law what they have to as long as he died accidently and they can't prove in a way in accordance with the exclusions on the no cost accidental death benefit, there are several, try reading them some day. 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. Read our investigative Report and American Income Life / National Income Life's commitment to 100% consumer satisfaction. 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. ALL COMPANIES GET COMPLAINTS, BUT HOW THE COMPANY HANDLES THOSE COMPLAINTS, SEPARATES GOOD BUSINESS FROM BAD BUSINESS*UPDATE - Rip-off Report REVIEW: Altig International has joined the Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program, committed to addressing & resolving all legitimate complaints. 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. I work for American income life and am proud of the products they offer. Its because of the unethical practices that the company itself employed. American Income Life / National Income Life join Rip-off Report Corporate Advocacy Business Remediation Customer Satisfaction Program and submit to independent investigation. Stop drinking, pull up your pants and get to work. 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 the 2020 census, the state had a population of 10,439,388. Schaumburg, IL. And if it is NOT in writing - it doesn't exist- meaning If you get a phone answer - write it down - make a copy- mail it to yourself - and then follow up with whomever in writing and be sure you get a written answer on appropriate letterhead. AIL 100% commitment to customer satisfaction & Affiliate. Does your Local who signed your letter know that in New York State they stopped selling the part that was the best, where anyone in the union family would collect $200 per accident or injury any time treated by any doctor, hospital,chiropractor, emergency care facility? Waco Texas Nationwide*UPDATE : American Income Life join Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program and submit to independent investigation. Waco Texas, Nationwide, INVESTIGATION: American Income Life, National Income Life pledges its commitment to customer satisfaction and Affiliate support. The company also takes appropriate action against any of its representatives who are found to have conducted themselves improperly or unethically. Agents and managers work as independent contractors (so a 1099 is issued as opposed to . Life, National Income Life 's commitment to customer satisfaction Program and submit to independent.. 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