Is American Income Life a Scam

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:
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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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10 thoughts on “Is American Income Life a Scam”

  1. Oh wow! American Income Life sounds terrible! I mean, I actually think some MLMs are OK. I belong to one (mostly as a customer now) and the products are really good. But with any MLM, it’s just so hard to recruit other people. This one sounds awful because not only do you have to recruit people, you have to try to sell insurance too. Yuck! 

    What I really don’t like is that there doesn’t even seem to be any focus on selling insurance. Why would there be if the money is all in the recruiting? I don’t know, this sounds terrible all around. I will be sure to stay far, far away! 

    Have you found any MLM companies that you think are decent? 

    • Hi Christina,

      Thank you for your comment on American Income Life.

      Personally, I despise all sort of MLM companies because I believe in equality, all people should earn the same when doing the same work.

      This comes way back, back in 2008 I made a website for an Herbalife competitor where I understood perfectly how Multi-level Marketing companies work. Not for me!

      Stay away from AIL & MLM.


  2. Hi, great article.

    I genuinely hate MLM’s because of companies like these.

    I’m sure there are some legitimate ones out there, but it’s these types that just put you off them all.

    They all have the same kind of structure too, with the same fake promises and early down-payment that needs to be made.

    Thanks for the heads up, definitely will avoid this one.

    Have you come across any legitimate MLMs? 

    • Hi Zul,

      I think exactly like you, I hate MLM, no good can come from this sort of experience.

      Companies such as AIL  squeeze money from the common folk using sweet talking agents to lure people to join their scheme.

      Glad you enjoyed my review about the American Income Life Scam.

      As far as any legitimate MLMs, I never search too much because I despise the principle of pyramid marketing.


  3. This was a great great review of American Income Life, and sadly, we have companies like this here in Canada as well.  I’ve been lured a few times into these “insurance companies” where you’re told that you will become a licensed agent able to sell mutual funds etc., and you have to try to get people to either buy the insurance or recruit.  And of course, they go on and on about how much money you will make and how they are just swimming in money etc.  They make it seem pretty convincing, until your logical brain steps in lol  

    • Hi Nicki, 

      The thing about companies such as American Income Life is that they have trained individuals that are great at what they do! 

      They can easily compel people to join their schemes and when we realize what we are up to, it’s too late!

      Best is to stay away…


  4. Seems like quite a troll-ish article….

    Further, you should be ashamed for falsely painting American Income Life in a bad light.

    Who here knows how the insurance industry even works on the agency/sales front? The agent-supervisor-manager-regional manager-national manager career trajectory is the same at AIL as it is at Farmers or State Farm, etc… commissions and bonus structures may vary from company to company. That does not make them an MLM company.

    American Income Life is a subsidiary of Globe Life, which is traded on the S&P 500.

    American Income Life absolutely sells insurance. They are a very reputable company and protect hundreds of thousands of working class families across the United States. They are also major advocates for child safety and provide families with McGruff Child Safe Kits which help to expedite Amber Alerts when a kid goes missing.

    More companies should strive to be like AIL by helping make the community safer and by giving working class families peace of mind! Did you know that AIL also drives food bank donations so working class families can remain fed in the event of layoffs or disasters? They truly strive to make a difference in the community!

    Just because of a few sour grapes in the bunch… whining and complaining – unbelievable.

    AIL as a company doesn’t deserve to be shamed for providing an outstanding opportunity to its agents.

    • Hi Simon,

      I respect your opinion, but that’s just it…

      Oh, by the way, that’s quite a troll-ish comment, I must say!

      AIL is an insurance company, but they don’t protect anyone, they “just” provide the service people hired from them in the first place!

      As for the “did you know that AIL also drives food bank donations so working class families can remain fed in the event of layoffs or disasters?” sentence… do you still believe in Santa at your age?!

      AIL just make that so-called charity so they can CUT TAXES with the expenses, don’t need to be a seer to understand that.

      Anyway, you can see for yourself some (270) AIL atrocities, as they say, one image is worth a thousand words…

      American Income Life Insurance scam

      Cheers m8

  5. Wonderful review of this company Pedro, ignore the troll please. This company definitely makes promises that they cannot keep, as I know someone who was sucked into this company and actually left a legitimate job to join this mlm. They recruit through job posting sites such as indeed and monster jobs, they find your resume and reach out to you, making it sound like you stood out in some amazing way. You are then invited to an interview where they tell you that you’ll earn a salary, as well as commission, there’s 401k and that you’ll be able to retire in 10 years off of the residuals from the policies that you sell. The interview is propaganda, filled with videos showing lavish lifestyles, vacations, cars and houses, they tell you this is totally obtainable for you with just a few years of hard work. Obviously it’s not, at least for 99.9% of the people that join. I’m not surprised that a new high school graduate or a fresh college grad would fall for this, as they do not have much experience in the work field and would think this was the career of their lifetime.

    However, the person I know is in their 40’s and actually believed all the lies they told. I was pretty disgusted with him after finding out he signed on to this mlm, as he has two small children to take care of, and left an actual paying job to start this nonsense. Just to be clear, this position is a 1099 meaning you make no actual money unless you sell a policy or recruit others. You are required to be in the office from 8 or 9 am until 9 pm or later four days a week, and out in the field for two. They claim they give you leads, but they are either unsuspecting people who checked a box on an insurance card, or people who wanted a child safety kit. In other words, no one knows you are there to sell them insurance, and these people are already upset because they have been harassed by ail agents for months or years trying to get into their homes. Ail expects you to get fresh leads by having these people give you contact info for others that may be “interested”.

    You misrepresent yourself to potential clients by lying and saying that you are with their union, and you need to go over the benefits that the union provides them. They also have the child safe kits and will kits that they use to get through your door. Once inside, they start presentations on their laptops showing videos for ail, then try and high pressure you into buying insurance. They prey on low income families and use their low income to basically say “you have nothing, so when you die, your burial costs will be a burden on your family”. Very predatory and gross.

    The person I know started this thinking he would make a 6 figure income, he would have a team of new recruits underneath him that he could boss around and make him money, that he would be his own boss and make his own hours, go on vacations, flaunt money like the owners, and one day, own his own branch. None of that materialized, and now he is a laughing stock, as covid happened, he didn’t qualify for unemployment and the few people he managed to recruit were smarter than he was, as they left shortly after realizing this was an mlm. He spent more than six months driving around all day on his own dime, calling and harassing the same people over and over again, and showing up to their homes hoping to catch them there. He made no money because people did not want to buy this insurance on a whim, and any policies that he did sell were cancelled once the people did some simple googling and found out about the company and their scammy practices. Oh, and he was charged back for the cancelled policies.
    Lesson is do not join any mlm and do your own research on a company before joining them.

    • Abbey, thank you so much for that long and detailed comment.

      I really feel sorry for your friend, but life can be really a B!TC* 🙁

      Back in 2008, I had a store, like a cyber shop with 20 computers where people would go there to use the internet, I also provided other services, like Webdesign and computer repairs…

      It telling you this because, I had this client, a 22-year-old guy that started to stop by to read emails and fulfill some online orders… Within 6 months he was ordering me a website for an MLM (his own branch) perfume and wellbeing products.

      He was a very determined person, within a year he got a BMW as a reward because of was among the top 3 team leaders in my country.
      At first, this seemed like a person anyone should be proud of but time will tell…
      On the website I made him, he provided tools and guides to all of his team members, also established goals and schedule meetings and speeches… so I got to know exactly how “this MLM stuff” worked from the inside…

      Greed took over! He squeezed people (team members) like oranges… when no more juice, people where expendable! Once I finished my services I never worked for him again…

      I really despise any sort of MLM / pyramid scheme!

      Once again, thank you for sharing your story!

      Keep safe!


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