actually no, we have sturdy tables, desks and filing cabinets, and chairs as well as a $10,000+ interactive computer/whiteboard in the conference room. Not sure what you mean by card tables and folding chairs.

Blah, blah, blah. The office consists of card tables and folding chairs

I love laughing at all the people jumping on the 'scam' bandwagon without seeing for themselves. Don't believe everything you read on the internet folks. Granted I'm posting on the internet, so honestly you don't have to believe me either, but I do want to make a few things clear.
Yes, the company calling you from this number is American Income Life Insurance Company. Yes the position's pay is based on commission, and sales. If you are 100% certain that it isn't for you feel free to decline the interview, but unless you've tried commission work, and have failed, I would encourage everyone to come in and, at the very least, check it out. Roughly 95% of the people succeeding in this agency have never worked sales, or even worked at all with insurance. The company gives you all the tools and training to be successful.
The Cooley agency has purchased access to resumes posted on the major job search websites. Whether you applied to the company or not, we extend to you the opportunity to try something new, and take part in the unlimited opportunity this company has. American Income Life Insurance Company has been recognized by Monster.com for being a top company. We are also recognized and accredited by the Better Business Bureau. How can a company with those credentials be a scam?

You're probably thinking something along the lines of: "Well why have I never heard of this company before?" Great, I was thinking the same thing too, but I still gave it a chance, and guess what it's an amazing place to be. American Income Life is a PRIVATE union label life insurance company. We cater to union members, AKA Working class families that would be financially devastated should one of their means of income pass away (devastated both with funeral expenses and the loss of income). Since we have our union members to take care of the company does not do any advertising, cold calling, door knocking, or selling friends and family for a paycheck. Brandon Cooley pays for and provides all the leads and materials needed to enroll these families in their benefits.
Each union local we work with has built a lifelong relationship with out PR (Public Relations) team, years go into these relationships before any of their members are visited. Like I said there is no cold calling, therefore we don't receive a list of these members, call them and go sell them insurance, no that would be just what any other insurance company will do. The unions send out a letter about their benefits through our company, and include within a card for the member to fill out. When the member fills out the card and sends it in to us, it then becomes our job to go see that member and their spouse, deliver the no cost benefits they receive as a union member, and go through the supplemental life insurance coverage they may elect to purchase. I cannot speak for every agent, but there is no pressure for them to purchase, but their unions include in the letters an encouragement to take advantage of the programs in order to protect their families.
Here at American Income we insure families, with true and pure transparency about what these people are purchasing, and paying for monthly. Again, I cannot speak for every agent, but we are all trained to be clearer than clear with the members how their coverage works, and how much they will pay monthly for this protection (something most life insurance companies don't do with their policies). Our agents are all 1099-MISC independent agents. Therefore transportation, and other business costs are not only out of pocket, but are also tax write offs. Technically, come next tax year, I can write off the car I bought to continue this job.
Because this job is selling life insurance, and enrolling people into life insurance programs, the LAW requires them to be licensed by the state; an exam that costs $50 (paid directly to the state, not the company) and a license $142 (Again, to the state, for the official state license to sell insurance, paid at the state insurance licensing department). Great, so the state takes more money from us, they'll find any way they can to do so. There is an additional cost for study materials, this is paid to a company who provides you the materials containing the information you need to pass that state issued exam. Let's be honest, you wouldn't go and take a college calculus final without any sort of study materials to learn from, right? Same concept here, you must know about life insurance to pass an exam about it, so the study materials are $49 for the online course, administered by a company called Testeachers. That is only if you are hired though.
The interview process is a bit different, but I believe it's the best way to give as many people an opportunity as possible. Whatever the recruiters say to you over the phone depends on who is calling you, each is trained differently, and each varies depending on what works best for them. Typically these people are calling from the above listed number at our office, although some of them have children and families, so they choose to call from home (hence the different numbers they call from).
The interview process is three phases:
1. General qualification:
- Managers will bring in two people at a time to quickly review resumes, briefly explain what we are and what we do, describe the job and how we work. If an individual is dressed nicely, and has customer service skills and/or management experience, or there is something likable about the person, they will be invited to phase two, an overview.
2. Group Overview:
-During the overview, those who fit the general qualifications, will be given all the information necessary, about the company, to decide if it is a good fit for them and their family. We recommend taking notes, and writing questions you have about the job, to ask later to your hiring manager. There is also a personality survey to fill out to give the hiring manager a better idea of the applicant. If the hiring manager likes what they see in the survey and your resume they will call you back for a 3rd and final interview.
3. Final Interview:
-This is the time you sit with the actual hiring manager, and leader of the team you would be joining. At that time you are encouraged to hash out any questions or concerns you may have with this manager. They are more than happy to answer and address anything you may be questioning. After the questions and concerns are taken care of, the managers goes over the pay structure with you, the expectations for the team. After which they offer you the position (if you are a good fit for the team, and this job is a good fit for you). If the position is accepted, we then get you signed up for the study materials, as well as the test, and you can begin studying immediately.

If there is anything "Fishy" about a company offering and opportunity to anyone willing to work to be successful, then I wouldn't be a part of it. I believe everyone deserves a chance to be successful, so who am I to deny that to someone. The company feels the same way. So anyone out there who took the time to read this novel, I thank; but I encourage all who come across this to take all the negative reviews with a grain of salt, because you never know what you may be missing out on just because you read something negative about a job online, or heard a negative story about it. Just like plumbers, they have a sh***y job; but hey, plenty of people do it. Honestly this career isn't for everyone, but those who work hard WILL make it happen for them.

Yeah, that's some great happy h****s*** there.  If they're such a great company, why don't they try being TRUTHFUL when they contact someone instead of totally misrepresenting themselves?  Because they are NOT a great company and their s*** shucking shysters.  That's why.  Not going to waste my time by responding to the voicemail message left by Mary Ann.  SOOOOOO glad this site here.

Yes, Randy.  All of these people are LYING.  That must be it.  It is a huge conspiracy against your company.  Well, I am really glad I looked the phone number up before responding to the voicemail left by Mary Ann (a voicemail message in which she was VERY vague, said the company name so fast I could not understand it, and failed to mention the position for which I was being considered).  I won't be calling back and wasting my time.  How much did they pay you to come onto this site and say something not completely damning against them?  I hope it was a lot, because it sure would be low to just give way your integrity and not even get PAID for it.  So very glad I did not waste my time.  You should be glad too, because I'd have made one hell of a scene.  You're probably used to that though.

Exactly.  And an honest company wouldn't be pulling a "bait and switch" just to get people - who do NOT want a sales job - to work for them!  An honest company would advertise upfront that this is for a sales position.

Same here!  I am so glad I looked up the number and found this information.  I have NO desire to sell insurance and am looking for an ACTUAL job in my field of expertise.  I would have been very angry if I had wasted one of my afternoons off on an interview with them.

So very glad I looked this number up before responding to the voice mail they left me requesting a "one on one interview" with me.  The thing is, I have absolutely no interest in selling insurance.  I already have an area of expertise and have no intention of drastically switching careers.  I am just looking for a new opportunity at a higher salary because I have the experience to warrant a higher paid position.  So, I am very glad I did not waste an afternoon on a day off for this b***s***.  I would have been EXTREMELY irate.

got three calls from this number in less than an hour.  When I finally answered, the woman asked for my husband, I said I'd take a message and she hung up.  Blocked her

Keep calling for my husband who is employed. They don't seem to get the mesage.

Thanks just got a call from them. Now u know its a scam. I will not go now.

Thanks

I have been getting 3-4 calls from this number every single day for months now, and they haven't left a single message. From what I've been able to gather, it's a job opportunity which is great, but how am I supposed to know that when they refuse to leave a message? If it's important enough to call me 3-4 times a day, the least you could do is tell me why you are harassing me. At this point I'm actually afraid to answer, but that may be the only way to get the calls to stop.

I did not apply for a job with this company and do not want anymore calls. Thank you.

Just received a call a message was left. No name of company. For real! I returned call when phone was answered, no mention of company name. For real! I had to ask cindy what is the name of the company. Not good! I will not be attending the interview chris tomorrow. Off to a bad start and poor representation. Never gave them my number in the first place.

I do appreciate all the posts. Even before reading them, when I've received the message from "them", they did not state what organization they were with...that was a red flag....and prompted more investigation....saved me a lot of time....:) message was to call Kristen at 602 718 8834...said regarding my resume from monster, sneaky peeps , hope they won't leave me another message.....because I'll turn into a monster :(

I got a call Tuesday morning to set up an interview for today at 10:30am. Luckily I have good friends that told me to google it before I go and I found this page. Hahaha you guys saved me a 20 minute trip!

The description of the process is correct.

HOWEVER, please note, the following "break-out room" session will take over an hour, and it will be an hour+ of sloppy and ill-rehearsed presentation, peppered with personal appeals and pleas to everything from family to security to income.

The disingenuousness (actually, outright lying) that permeates their process, from start to end, is the flag here, and is the item that should take focus. If you go, your time will be wasted and you'll be lied to, at every step in the process.

Selling life insurance--even the money-maker that is whole--is a fine career. But people interested in doing so would be advised to do so with a company that will not misdirect and lie to applicants for work from day 1.

There's no reason for the "company" NOT to tell people what the job entails - if they have nothing to hide, why not be upfront?

Ugh.

Do not show up to this.

It's a cattle-call, people are being lied to about the nature of the job, and the cattle-call is NOT for an interview: it's an Amway-style "presentation" (the sloppiest presentation I've seen in years, by the way) and the promise that one may possibly be called back for a follow-up interview.

Keep clear; the people involved are actively lying to individuals, and no sane person would stick around to see if they are the same on the "back-end" as they are on the front. I don't know about anyone else, but my time is worth more to me than to hole up with a bunch of ill-prepared and sloppy liars.

just got a voice mail from Kristen at  602-266-8220. imagine calling about my resume on monster. no info left about who they are just a different call back number that she couldn't recall without pausing. thank for the warnings everyone! ibarely have enough money to feed my son, i sure dont have money to waste driving all over phoenix

02-26-14
   Call from 602-266-8220 young woman on the line when I answered the phone was giggling something about "Sorry we just had something very strange happen on our phones. This woman introduced herself so quickly that I didn't catch her name. Said she was from American Income Life. Then we were disconnected. Im glad I typed their number into google and found this was a scam.

I was driving when I got a call today from Lillian @ 602 266-8220. She said she came across my resume and wanted me to come in for an interview. She started in w/her speech about the company but spoke so fast I didn?t catch much of it. I asked her the name of the company. She said American Income. I told her I don't recall the name. She rambled on about benefits for the union. She told me to ask for Maria when I arrive. I told her again I do not recall applying for any job w/that name. She continued on. I asked her if this was a sales job? She said no but I will get more information about the job during the interview. Something just did not sound right so I started looking into it when I got home and found this site. Thank you for the info.

I too received a call from this number today, only from "Naomi", and that my interviewer would be "Maria". Same spiel about being dressed in professional attire for tomorrow at (suprise!) 10:30. I will not be attending this cattle call, as that is what they sound like. Glad I googled the address. :-)

Got call from fast talking Lillian, she said company name so fast I had to look for American what? Found you all here with the same magic appointment time of 10:30, 40 miles from home. How do this callers live on this?

Why does AIL still have this guy running their AZ office? Bad example....


http://www.kpho.com/story/18027151/dps-loop-101-wrong-way-driver-hit-100-mph

This company is a sales company for insurance. Worked there for a few months about five years ago. I was very impressionable and naive then (They will literally hire anyone who willingly follows everything they say). You will get a call stating that your resume has been seen and they are interested in hiring you for a position there. At the time I had been unemployed for three months and I was excited a place had contacted ME. Wow! Anyways... I am given a phone interview and then I am told that I will need to come down to the office for my interview. About 12 people were in my interview. We all sat there for about an hour listening to the then-owner Steve Hartman lay out what we would be in store for (memorizing his speech we give to customers which we would have to present at our "final" interview, getting our license which would cost money--as well as paying for the learning material considering it is a slightly difficult test... Then he ladled on some horrific childhood stories that you'd never think would be appropriate from a boss... Or in front of a group of strangers that wasn't your weekly anonymous group ). After the first hour, we are told we can have a 15 minute break, and for those that are no longer interested can leave. About 7 came back. At the final interview three days later, 4 came. 3 were hired (the fourth was not hired simply because the lady had decided to not memorize her sales shpeel and wanted to do things her own way---which was not liked by the big man Steve.) the next few months of my life were weird in regards to my work life. I passed the test after dishing out over 300 (that I had to borrow considering the previous unemployment), and then I was given a list of union members info cards that they had filled out at SOME point in their career working with the union. These leads were sometimes YEARS old and had been called on multiple times (sometimes duplicate times in one day...the office was not organized then). Cold calling is my personal hell. The other way you were required to produce fresh leads was setting out "Child Safe" sign up kit boxes This is basically a piece of paper in a nice plastic sleeve that you finger print your kids fingers on. Woo. You could have done it yourself, but now you have ME sitting in your house telling you that you need to fully protect your kids with life insurance. I will say-my worst week I made less than 100. My best I made over 1000. Unfortunately, for some of the fresher leads, these people knew what you were up to and pushed back greatly. I am not a sales person and didn't feel like I was working honestly. Don't get me wrong--the product is no scam. They sell whole and term life insurance. They are legit products. Are the sales people driven more by their cut of the purchase rather than your inevitable doom? Of course. I spoke with a employee that still worked there about a year ago. She said the new manager is great and the office is much more stable and sane since Steve retired.....but then she offered me a job there... So.... I don't know. If you're into sales and are good at them... There is money to be made.

I got a call from this number and the guy said he got my number from my sister and that she was supposed to give me the heads up that he would be calling. Anyway, she did not tell me about it and he told me he was working with the local police departments regarding child safety kits and that he would be in my area and wanted to schedule an appointment. He mentioned something about how the borders are not safe and that it works great with the Amber Alerts. The number he gave me to call if I couldn't keep the appt. was 417-489-0193 and his name is Sean. So glad I found this site in time so I can cancel. The only thing that makes me uneasy is that now he has my address and info about myself and kids. I sent him a text message canceling the appt. but haven't heard back from him. I just hope he doesn't show up at my door.

It's definitely not a telemarketing company. They do make calls to set appointments, but they're all hot leads. It may have been his wife setting appointments. She used to work there as well. Now she's a full time mom.

American Income Life is a Torchmark company. AIL has been around since 1924, but the Brandon Cooley Agency was a branch that was established in 2011. I worked for the company and for a while it was amazing. You do however, have to put away for a rainy day. My problem was I would set appointments, drive all over town, and have those appts not show up. On the flip side, I knew quite a few people there that never have to work again if they don't want to. You get out of it what you put in. It's worth a look. I would recommend going to the orientation, at the very least. It's definitely not telemarketing. They're always looking to grow and hire new people.

The problem is, the recruiters use their own phones. So it can be any number not just the company line. My advice is anyone calling to say they saw your resume and they are with any of the following: Torchmark Corporation, American Income, or Brandon Cooley Agency, is hiring for a commission only life insurance sales job. You will be required to get a license. The process and cost to get licensed is about 4 weeks and over $200. That does not make them a scam, just means you had better be sure this is the kind of sales job you want. Probably better for you that you did not go to the interview.