12/02/2020. I have been working at American Income Life full-time for more than 5 years. 9 people answered. Pros. Learning how to recognize employment scams for future avoidance. They talk it up alot during the "interviews". Read 332 More Customer Reviews. American Income Life Reviews by Job … Pros. thank you! It looks like it's a pyramid structure, where expenses are paid at the bottom and the commissions/referrals trickle up to the top. Business Details. Find 15 answers to 'Is this a pyramid scheme' from American Income Life employees. American Income Life is not a scam just because it wants to hire independent contractors instead of employees but it seems too many have complained about the same thing. If you were to leave American Income Life, what would be the reason? 4 years ago. American Income Life charges you a $490 administrative fee, it is not a job to begin with, so an initial “investment” is required. Some background on American Income Life: they are partnered with members of credit unions, labor unions, associations, and private policyholders. Pros. Get answers to your biggest company questions on Indeed. 1.0. Negative Outlook. They fooled me at first to be honest. A pyramid scheme is a fraudulent investment strategy, deemed illegal in the United States. ... Tell me again how many people at AIL actually make it to SGA? Disapproves of CEO. ... Multi Level Marketing (MLM) schemes are a drain on our society. A pyramid scheme is a pyramid scheme is a pyramid scheme. Flexible hours Best bonus structure Great culture Very strong management Work at home Good leads Great company with very supportive management. Job Work/Life Balance. Free coffee, air conditioning, free life lessons on the pitfalls of a 1099 job. American Income Life Insurance Company Response. September 1, 2020. Legal Pyramid Scheme. See all questions and answers. Compensation/Benefits. According to the Federal Trade Commission, pyramid schemes “promise consumers or investors large profits based primarily on recruiting others to join their program, not based on profits from any real investment or real … Job Security/Advancement. So many pros here....let's start with: 1) Freedom & flexibility- the ability to be an independent contractor (1099 associate) who can set their own hours, work pace, and income … This is a multi-location business.Need to find a different location? But I've looked them up many times since then and it's either great or horrible … I have been working at American Income Life: AO full-time for more than a year. Its participants either build the pyramid taller, or get … It is a legitimate business opportunity, although the recruitment process is a little deceptive. I worked at American Income Life full-time for less than a year. There are several other real insurances … I used to work for American Income Life (AIL). Management. 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