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American Income Life: AO

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

1.0
Jun 14, 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
Jan 18, 2025
Recommend
CEO approval
Business outlook

Pros

Supportive people, good environment, room for growth

Cons

No cons per se. Good company

4.0
Mar 5, 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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