Is American Income Life a Scam

Last Updated on September 13, 2022

Welcome to my Is American Income Life a Scam Review.

Hi, It’s great that you are taking the time and effort to do a research study prior to purchasing or subscribing to any “apparently great” product.

That’s undoubtedly the best method to prevent fraud and find a legitimate program to actually make money online!

Just a heads up, American Income Life (AIL) is an insurance company that offers individuals the prospect of joining and making huge rewards. The approach or model they make use of is that of employing new staff. This has caused more people to question whether it is a scam. This AIL review will discuss certain aspects of it and determine if it is a scam.

The trademarks within this article are those of the respected proprietary propriety owners (American Income Life) and this website is not associated, endorsed by, or affiliated with American Income Life in any legal contracts or agreements, at this time. The content provided on this page is for informational and educational purposes only, it is based on facts obtained by online research or in-person by the author. NOTE: this article is the sole opinion of the author.

Product Name:American Income Life (AIL) Is American Income Life A Scam logo
Founder:Bernard Rapoport
Product Description:Insurance
Best For:Convincing strangers to not only buy insurance but also to join the company.
Is American Income life a Scam or Legit?

A Detailed Review That Will Expose All You Need to Know About AIL. Is American Income Life a Scam or Legit? Let's Find Out!

Editor's Rating:

What is American Income Life?

Irrespective of its official website claims to be an insurance company, AIL is a Multi-Level Marketing (MLM) company. Even though they train their staff to sell their product, they encourage recruiting more members as a primary way to make money instead of focusing more on selling insurance.

It has been revealed that their training process focuses basically on training their members to be effective recruiters, and they are given the needed tools to carry out the task.

Like every MLM company, workers will earn from their recruits, while their recruits will also earn from the recruits they have sourced. From the look of things, one cannot rightly place AIL as a genuine employment opportunity; if they were, they would definitely encourage their members to sell insurance instead of recruiting more members.

Also, when joining this company, you will be required to pay a certain amount which is about $430. A real job would definitely not ask you to pay a fee before you begin. This clearly points to the fact that AIL is an MLM company. The AIL could simply be termed a “pyramid scheme.” Although their recruitment process has been designed to feel like an actual job interview, when you join, you will find out that it is not more than a pyramid scheme where managers gain when recruits are sourced.

What Is Multi-Level Marketing?

While we have classed AIL as an MLM company, it is essential that we understand what MLM is about and how it relates to American Income Life.

As the name implies, Multi-Level Marketing is a marketing structure with multiple compensation levels. This means that as an agent or worker, you are compensated for bringing new recruits. You earn commission from the recruits of your recruits. While most people would think of MLM as a good business opportunity, they would find it disheartening to know that they do not make enough money from the onset.

It is pretty difficult for them to earn a commission when they begin; why? This is because it is designed in such a way that the money flows to those that are above them. You will only make money if your recruits are able to bring more recruits and their own recruits able to bring more recruits. Basically, the larger the number of people below you, the more you stand to make money.

How American Income Life Works

The recruitment process for this supposed company is well structured to ensure that new recruits never suspect a thing. You will be called up for an interview, you will be required to sign the necessary documents as well as attend training like every job you apply for.

American Income Life Deceiving Job Interviews

During the interview process, you would feel like you’ve landed that dream job only to get to the training and hear that there is no salary structure. The amount of money you make each month will depend on the commission you are able to get from selling and recruiting new agents. This means that you are not an employee. You are an independent contractor who earns a commission from selling and recruiting new agents.

This is quite depressing as there are false advertisements all over the place stating the benefits agents stand to gain if they join the company. These false benefits are used to woo agents into the company. The money you earn working for American Income Life entirely depends on your ability to convince people to either buy insurance or recruit new agents.

During the time of the interview, agents would be told everything they wanted to hear about their dream jobs. It has been revealed that during the training process, these new recruits would be told that they can make over six (6) figures in less than a year. They would promise them that in less than ten years, they can retire with more than enough money to travel to any destination of their choice.

What People Say About American Income Life

Is American income life insurance legitimate? I really don’t think so, it has been revealed that those who make it big in this company are great liars. People with convincing skills are able to make massive money from telling others the fake and unrealistic benefits they were promised when they joined.

This company works in such a way that if agents are not able to convince others to either buy insurance or become recruits, they do not make any money at the end of the month. This means that even after putting in great work, recruits can still earn nothing at the end of the month. Managers would encourage these new recruits to focus more on getting new recruits than on selling the acclaimed insurance.

Is American Income Life a Scam
Is American Income Life a Scam

Why American Income Life Is Not For You

Basically, the sales aspect of the company is simply a cover of the actual pyramid scheme that is in place. Although you will be trained in their various insurance products in less than no time, you will discover that their plans are inferior compared to others.

Meanwhile, you will be required to walk up to strangers and try as hard as possible to convince them to either purchase the insurance or become an agent. This means that you can earn nothing in a month if no listener is receptive.

Also, new recruits are given fake titles that would boost their self-esteem and make them feel like integral members of the company. During the training, a test would be carried out. For this test, new recruits would be required to pay $40. One frustrating fact is that recruits often times fail this test countless times. This means that they would have to repeatedly pay $40 for each test.

Very gifted individuals would be hired during the training to convince new recruits that they are at the right place. Before new recruits are sent to the field, they are motivated and encouraged that they could earn a massive commission as they try to convince people to become members.

Although most people claim to have made money from this company, the majority of people have lost not only their money but also their time. Several recruits have not been able to earn any commission as more people are aware of their tricks.

Fake promises; during the interview and training process, new recruits would be promised huge earnings and that they would be able to retire early. This makes the company a scam as the huge earnings and benefits promised are not received.

Payment fee; before recruiters are supposedly “employed,” they would be required to make a payment of about $430. What type of dream job would require you to pay a specific amount before you are employed? I doubt if there is any.

They lure recruits with insurance sale services; during the interview process, recruits would be informed that their job is simply to sell insurance to people, but when they finally become members, they find out they not only have to sell insurance, they have to bring in new recruits. In fact, convincing strangers to become new recruits is actually the most essential function that recruiters would have to do.

Instead of encouraging recruits to sell insurance, they would be encouraged to bring in new recruits. This definitely means that the selling of insurance is simply a cover as they are more interested in getting new recruits that would pay the stipulated fee.

What I don’t like about American Income Life

  • It makes unrealistic promises.
  • It uses gifted individuals to convince recruits that they can make large sums of money each year.
  • No salary.
  • It is a pyramid scheme where the funds of downlines are used to settle the people at the top.

Final Words

I don’t believe AIL is a scam, but I wouldn’t recommend it to anyone.

I hope you found my article helpful, and if you have something else to add to my American Income Life Scam Review, please drop me a line in the comment section below.


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