Is American Income Life A Scam? – The Absolute Truth Revealed!

Are you searching for an honest answer about American Income Life, is this yet another scam?, is it a legitimate money maker or is American Income Life A Pyramid scheme? 

Then welcome to this open and honest review in which I will detail the hard facts and honest truth about this well known company, and unlike others, I will tell you straight up if this is the answer to your dreams or just the start of dark gloomy nightmare!. 

Before I get started, I congratulate you for being smart for doing your research. This is how you stay safe online, avoid scams and find a genuine way of making money!.

In This American Income Life Review I will detail fully the following:

• What is American Income Life?
• Is American Income Life A Pyramid Scheme?
• How American Income Life Works?
• Is American Income Life A Scam Or Is It Legit?
• A Time Tested 100% Legit Way To Earn Some Money Online

Need to know the answer to those question? Keep reading to find out!

A huge misunderstanding regarding American Income Life Insurance is about your "job" status. These are not real "jobs" as such, you are not and will not be employed by AIL Insurance in any way what so ever!. 

Your so called "American Income Income Life Insurance Job" is that of a self employed contractor, a contractor that is wholly independent of AIL Insurance. 

And that is a huge difference. Besides if there was a real job where you are directly employed by the company you would not have to pay $490 for it. 

(there are laws against that, folks, all sorts of laws from state laws, to national laws to international human trafficking laws!).  

However, as a wholly independent self employed contractor you are of course directly compensated for your work in the commissions that you receive. 

With this company, you do have the opportunity to earn money by bringing in and referring people to AIL. Their in house training is fully based towards you getting on board with this side of the business and referring as many people as your can in both directions, wide and deep.  

This due to the potential of both yourself and the insurance company pulling in significantly more money. 

This is exactly what makes American Income Life Insurance A Pyramid Scheme or MLM, Multi Level Marketing product. 

Pyramid Schemes and MLM focused solely on recruiting is very much like a dog chasing its own tail with everyone going around in circles chasing up people trying to get them into "the program" with no or very little selling of the companies products going on. 

From the way that AIL operates it's business and, to be quite frank here, the barrage of training, interviews, more training, the signing of important documents, then even more training you can feel over whelmed and pressured, at times a little confused or duped into thinking that you have an actual job with the company. 

This is perhaps partially due to the misleading use of the word "job" during your training. "its your job to...".  To be fair to American Income Life insurance this is a very similar process that they use for both their actual employees and their self employed contractors.

To be crystal clear on this part I'll state the obvious. As a self employed contractor you will only make money when you do either of the following:

• Sell insurance to someone
• Recruit someone into AIL

 In short, you only get paid when you cause money to change hands. You are not paid for your time nor given a salary. 

During the almost constant ongoing training you are constantly told stuff that you want to hear, that you will love to hear and what they need you to hear!. 

You know the saying "tell a lie often enough...." 

I'm talking about "In X amount of time you will earn $100,000 a year+" "Retire early" retire in a few years time and live of the passive residual income because of your "downlines". 

Funny how you won't see a work of that "equestrian excrement" on their website or in any of their brochures but people associated to the company will repeat it like a freaking parrot! 

Why?

Legally they can't say that kinda poop - it's illegal, FTC rules and laws clearly say so. And. well in person, it is your word against theirs and often said by another independent contractor and not an actual employee representing the company..

Despite their A+ rating at the BBB - the Better Business Bureau they do seem to be somewhat of a magnet for complaints regarding difficult to cancel policies, pushy salesmen and miss-sold and misrepresented products. 

This is what happens when you have commission only sales team that, just like anyone and everyone else have bills to pay and mouths to feed. 

However, the replies by AIL are very unapologetic cold and unforgiving at times. Sounding very much like a profit driven money hungry corporation that has very little interest in their actual clients! 

Read some of the complaints here

Some other complaints have actually come from people being from the company about their agents complaining that there is no work life balance. 

The above is a screenshot from glass door I suggest that you properly do your homework in regards to working for this company as a contractor. 

The question has been asked through out this article while I have educated you about the company, it is time to give you a clear open honest answer to the questions "Is American Income life A Rip Off?" Is American Income Life Insurance A Scam?"

While not being one for sitting on the fence and man for calling a spade a spade I can absolutely tell you straight up that American Income life insurance is NOT a scam. 

Now, 

Just because a business hires contractors instead of full time employees, that minor fact has no relation to their business operation being a scam. 

Heck - even I employ independent contractors to help me with some techie and design work on this very blog (most graphic designers and IT specialists or a VA when I am particularly busy). 

Yes, absolutely you can make a lot of money with this company, but the likelihood of that is pretty remote unless you already have the skill and experience in MLM programs. 

Lets face it most of us don't. 

Is American Income Life Insurance a Rip Off?

Yes, I think so. Regardless of what anyone says, why should I, your or anyone else pay for the pleasure of selling your/a companies products? 

The business might wrap this up and call it a "training fee" but, I'm sorry, but what about investing in your sales team, your human resources which is ultimately investing in your own business?. 

We live in a beautiful world of giving, you only get what you give!. Not so long ago I had an excellent Virtual Assistant that I trained up from scratch that worked on this very site and I had the pleasure of firing her...

It was a pleasure because I trained her up, encouraged her to grow, invested in her and helped her a lot with advice while she was working on side building out her own online business.

It was a pleasure because I helped her to have her own business and to now then move forward and do it full time. She grew wings and flew! 

At no point did I ever charge her a fee for being an independent contractor, of which she was nor pressure her in anyway.  

I gave love and got love back, when ever I am truly stuck yep she is there for me!. I just don't see that happening for American Income Life...at all. 

While I don't encourage you to join AIL, I do encourage you to take positive steps forward and live the life you have dreamed of because there are an abundance of viable opportunities out there for you.