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15 comments

This is not a scam. How ever it is a career opportunity as an insurance agent. Instead of being honest and up front about it they lie to get you in for a interview. They will hire anyone with out a felony. Its about numbers and the more people they hire and get to write business the more money each manager level makes. It is a multi level marketing company. The company american income life is a desent company and you can make a great living if you are a closer and can lie to union workers to get in there homes to sell them whole life insurance. You will also be pushed hard to collect referrals and lie to them to. Another major problem is that each agent only matters to the company and its mangers for the first 6 months. Because every one looses there bonuses on you after your 6 months is up. That is one of the reasons they must constantly recruit and why there is no tenure in the agents. Very few people make it past 1 year unless moving to management. If you do move to management you will be lying to repeat the process of hiring, training, and making money off your team. Each agency is owned and operated by its own SGA. State General Agent. Most of the agencies are the same in that they want to keep you in their cult brain washing you to their beliefs and ways to conduct business and how to live your life. In this agency you will be pushed hard to join the cult drink the coo laid and believe what they want you to believe. For every dollar you sell in alp which is the total of the first year premium you will get almost half. The other half goes to all the other levels of management. The training is poor and your life and income will depend on what leads you get or referrals you collect. If you are single and can devote all your nights and weekends to this and you pick up on the system and can implement it to be a top closer you can make a great amount of income. Remember though its only for the first 6 months and you have to be ok with lies and shady buisness and joining a cult that believes in expensive cars and that money makes you a better person. Also be aware that one of the most attractive incentives is the renewals. The problem here is that you will not own them for 2 years and unless you are in management you will not make it that long. The major problem is the company can set you up for life, but not many people make it long enough to see that risidual income and the managers and agency owners do not want you to because when you leave they keep your renewals. So unless you are a snake and weasel your way to management you will not last.

In this agency be prepared to be demeaned, belittled, worked like a dog, lied to, un properly trained, lots of unanswered questions, and worse of all most of your hard work goes in someone else's pocket.

The owners of this agency are a prime example of why this country is going down hill. They come to this country to exploit its hard working union workers who built this country. And they will use any one dumb enough to drink there koo laid to get rich doing it.

Lloyd Agencies Pros: Inital opportunity.

Lloyd Agencies Cons: Lies, Owners, Cult, Lack of support, God complex, Poor human treatment.

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Sereniti Bqc

Theyโ€™re still at it and go by the name โ€œLBSโ€ on job search websites so nobody can see all the negative reviews they have. I just got done with the first โ€œinterviewโ€ and I donโ€™t know if the guy was just being greedy or if they raised the price but I was told to make sure I bring $199 tomorrow to pay for the state license and to hold my seat in the training class. If it sounds too good to be true it probably is.

Chason Cxr
reply icon Replying to comment of Sereniti Bqc

I work there it's really not a scam long as yous bust ur *** you'll be good!

Guest

I agree

Guest

You have an employee that lied on her application her name is Monique Turnipseed her real name is an Monique Turnipseed she's a convicted felon she lives at 1315 Jackson and North Chicago Illinois she was hired in July

Guest

Woow thanks a lot I was about to move to that's city because if this job woow thanks a lot

Guest
reply icon Replying to comment of Guest-1184173

I left the interview within 10 minutes. If it smells like like mlm itโ€™s bc it is

Guest

Thank you. This was very helpful.

I was solicited for an interview and will not be going. This is not the career opportunity I was looking for.

Guest

To everyone who is disgruntled with AIL and the LLoyd Agencies. There is a better, honest way of doing this. For more info, please call or text me at 847-840-0742.

Guest

Wow I totally agree and thank you for the insight, it sounds like you worked there for sometime and were able to see the good and the ugly side of this company.

Guest

Sounds like a scam to me... and if scam is too harsh a word, then shady. No thanks.

Guest

Have an interview, after reading all this i'm not going thank you for your posts.

Guest

Thank you,after reading several reviews and actually going for my 1st interview and waiting over a hour for my recruiter, I also received the song and dance never really asking about my experience,he actually talked more about himself and accomplishments. I was scheduled for a 2nd interview and told to bring 55$ back and I would hear about information about compensation., after reading reviews I realized this is not for me,I'm getting divorced and cannot afford to play with a company like this. Thank you again

Guest

Thank you for your post. I got a random call from them this morning and it seemed a little off.

Guest

Couldn't said it better myself!!!

Now they are in the Quad Cities doing the same things.

People in Iowa / IL watch out for this ruthless people & Queen B!! They will also call up all of your referrals, friends & family & continue to used your name even after you left Company!

!!!

It's so sad AIL & President of the Union allows her to work like this & get away with ripping honest hard working people!!!

Where are your morals???

Guest

I agree my girlfriend is all wrapped up in this pyramid scheme and she won't lesson. She hasn't made much money and they want her to work constantly with no time off along with not being paid for her time. I belive this is labor extortion and they shouldn't be aloud to practice this...

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