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I had the pleasure to meet Magaly ** to do my life insurance. I was skeptical about life insurance but the way she explained me every product and the importance showed me how important it is. She came on time to the appt and even wait for me for a few minutes since I was late.
It started off with my friend referring me and they nonstop called my phone until I agreed to meet with them. After thinking I could give them a shot, not even a year later I tried to cancel and they kept one policy open when I wanted to cancel it all. I didn’t realize they had kept charging me until about a year later when I called again to cancel and this lady that I talked to had told me that she would refund me for the whole year which was almost $400.
So a month later I didn’t receive the check that she had told me I would get and I also got another charge on my card which had made my bank account go negative. So after calling for the third time, they tell me I will only get refunded for this months charge. So I explained my previous call to them and he told me his supervisor didn’t approve of that refund and that’s why I won’t be receiving it. Also to point out that no one ever told me I had to sign something in order to cancel. (Because I’ve canceled a total of 3 times now.) This insurance place is a scam and a ripoff. I can’t even talk to someone in charge who knows what they’re talking about. Every phone call I seem to get a different answer.
National Income Life is a total scam. Save yourself money and hassle by doing your research ahead of time. They hold your money after they denied you, they promise to send a replacement check after 30 days, I was denied and no one could explain why, they said it was my medical exam which I brought to my doctors that said I am healthy and fine. So SAVE TIME AND HASSLE AND DONT GIVE IN TO THIS SCAM!
Ireland ** did an excellent job with her presentation -using her laptop and her comfortable conversational tone it encouraged you to ask about the details involved. Unfortunately, we are NOT eligible for life insurance due to our age, health and pre existing conditions. We were happy to sign up for the free accidental loss offered by my husbands union. Ireland drove out of her way to come to Mexico NY to see us and then had to drive back home through a Lake effect Whiteout snow storm. If we were able to qualify we would have been happy to work with Ireland. We will give the child safety kit to our son and daughter in law for our new granddaughter. Well done! She is a very professional well trained agent who loves what she does!
Had a very pleasant experience with Michael ** with National Income Life Insurance. I was in town for a short trip and he took the time to meet with me when I was available, on short notice. Extremely professional. Took all the confusion and hassle away. He was willing to work with me to make a plan that would benefit my family without breaking the bank. I would highly recommend him.
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I was referred to Magaly by a friend to obtain life insurance. She was fantastic, very professional, personable and flexible which was amazing. I sent her an email early in the morning to set up a meeting in a near future and she was able to come to my place of employment during my lunch break and explain all I needed to know and the process. I had been looking at getting life insurance and frankly the hundreds of calls a days from various brokers had me petrified. Magaly was superb in her delivery of the information and expeditiousness of the process. I would most certainly recommend her to friends and family.
Had the pleasure to purchase my first Life Insurance policy from a genuine and honest person. Nas was warm and very informative on the different types of Life Insurance available. He gave me a few options to work with. He took my budget into consideration and provided me with a great product that fit all of my financial needs.
I tried calling everyone in the Oldham-Gryska Agency to get help. I never had a call returned except from an agent and Mga that were from Syracuse. I submitted a claim for an accident, they cut a check in seven days. I was waiting for the check. On day 10 I called the home office in Texas where the check was cut and I am told it was voided for a review. After months of sending more information and even having my doctor write a note stating the accident they tell me they don’t pay those claims. They tell me to get a lawyer and have them write a letter stating the accident and they will pay. I asked to speak directly to the SGA Durhon Oldham and or Brett Gryska but was pushed off to Hal **. I still never had a chance to speak to anyone. I worked for this company for two years, I heard stories of accident claims not being paid but never believed the stories. Now it has happened to me. Not even the manager In Claims would speak to me or return a phone call.
My credit union could not receive a call back. These benefit are to keep you on Your feet while out of work for an accident or injury where you seek medical attention. They tried saying I didn’t go to a doctor in time but I proved I did. I was told to prove everything they asked and I did and they did not pay. But being told you will hear back and cannot get a phone call is ridiculous especially for someone that worked for you and has sold these policies on good faith. I heard stories about a check getting cut for someone who died after a DWI because he was part of a big union, this guy even signed a DWI waiver because he already had a couple prior to getting the policy. But your average Joe gets screwed and cannot make ends meet months later.
I tried calling everyone in the Oldham-Gryska agency to get help. I never had a call returned except from an agent and Mga that were from Syracuse. I submitted a claim for an accident, they cut a check in seven days. I was waiting for the check on day 10. I called the home office in Texas where the check was cut and I am told it was voided for a review. After months of sending more information and even having my doctor write a note stating the accident they tell me they don’t pay those claims. They tell me to get a lawyer and have them write a letter stating the accident and they will pay.
I asked to speak directly to the SGA Durhon Oldham and or Brett Gryska but was pushed off to Hal **. I still never had a chance to speak to anyone. I worked for this company for two years, I heard stories of accident claims not being paid but never believed the stories. Now it has happened to me. Not even the manager In Claims would speak to me or return a phone call.
My credit union could not receive a callback. These benefit are to keep you on Your feet while out of work for an accident or injury where you seek medical attention. They tried saying I didn’t go to a doctor in time but I proved I did. I was told to prove everything they asked and I did and they did not pay. But being told you will hear back and cannot get a phone call is ridiculous especially for someone that worked for you and has sold these policies on good faith. I heard stories about a check getting cut for someone who died after a DWI because he was part of a big union, this guy even signed a DWI waiver because he already had a couple prior to getting the policy. But your average Joe gets screwed and cannot make ends meet months later.
Sarah ** was our agent and it was a very smooth process. She was able to answer all questions and meet all our needs. We are very happy so far and plan to keep this for the rest of our lives. We highly suggest using this company.
I’ve had a life insurance policy with this company for three years. My father is currently retiring and this is the ONLY life insurance policy that will not be changing when he retires from work. I made sure everybody in my family has a policy with this company.
I have had National Income Life Insurance for 3 + years & never filed a claim. I just sent in my first claim because I had to go to a Chiropractor. They sent back a letter that said the only way they cover you is if you go to a HOSPITAL. As far as I know there has never been a Chiropractor in a hospital. I was lied to so I would buy the ins. I have 2 other accident policies, Aflac & Combined Life, that sent me money right away for the Chiropractor visit. I have cancelled the policy & recommend that no one pays for this accident insurance. It is a scam.
They work with union families and take care of their needs on the hardest day of their lives. They work their ** off to help them out. Hiring in upstate NY is above and beyond the best in the country and shouldn't be reflected by other parts of the country and what they did years ago.
After reviewing multiple negative reviews about this interview, I decided to take my chances and go. 8 month in the business now, and I can tell you hands on, this is an opportunity like no other, the team atmosphere, the culture, the environment is all set up for upbeat individuals. There are leaders here who push you to greatness to levels I didn't know I had. I have truly found my long-term home.
Do not hesitate to make a decision based on someone's ignorant comments here, As you can see from some of the reviews, client are happy with their benefits and of course the company has been getting more and more selective to find the right candidate to represent them since they only work with niche market of union members who request the benefits. So I have the client to serve and I get paid very well. I'm looking for great things as I am pushing for management before the end of this year.
I just have to bring up the last person review about the interview process!! Yes there is 3 step process, yes they did show me 2 videos of their conventions and recognition for achieving great number, and YES, I am going to most likely in 8 months make close to 6 figures, YES I could've been a doctor or a lawyer... that flew out the door, lol, so I grabbed this opportunity with no regrets, I suggest you show up if you're invited and invest your time to learn more about the company, and make the decision based on your logic, and if you're anyone like-minded you will be excited to join as well. I hope this can help the best of you.
Thank you all for your reviews and feedback on this SCAM of a company. I just received a call a few minutes ago for an interview with them, etc. Thank God I always do my research before calling back. If it sounds too good to be true, it most likely is. What's really disturbing is that they are messing with and lying to people that might be in desperate need to get a job. Thank God I have a decent job. I don't understand how people could volunteer to work for a company like this, knowing full well they are lying to others, just like they were lied to, and accepted it just to make a few dollars! SMH.
This company is a scam. They find people from online and schedule them for a interview no matter if they don't even have a high school diploma or a bachelor's degree, put them in a room and say there is a 3 part interview process and then show you a whole bunch of videos and say they will call you and say "bring $275 with you for a insurance license" and they will never call you back after taking your money. Guy during my interview said you can make $1300 a week. $1300 a week then wouldn't everyone work here? He said his income is 200-600k then why do people go to law school or med school, wouldn't they all just work here? Huge scams, they make $9000 a month from people who spend $275 for training. Flushing office 30-50, don't go.
I've had a NILICO policy for 3 years and I must say I've had nothing but a positive experience thus far. I received the benefits through my IBEW union. I've been a union electrician for 6 years and I sent in my request form in 2013. I had a guy named Nick come to explain what the union had set up for us and I was very pleased with the affordability and coverage. The program covered everything the union didn't and I'm glad I enrolled because it has helped offset some out of pocket costs from being injured.
I got hurt on my snowmobile in 2015 and broke a few bones, was in the hospital for a week, and the company paid me over $3,000 from the accident portion of the policy. I can't remember the girl's name who helped me with my claim but she was awesome. It went pretty smoothly and I highly recommend looking into a policy for your own family. The programs are great, very affordable, and really help when accidents happen.
I received a phone call from Kia from National Income offering a consultant position after seeing my resume on Monster.com (and some other position I was not clear on) and wanted to schedule and interview for the next day. I inquired what the duties were, which was about trying to get union members to get insurance or explain their benefits - not the consultant position I was looking for.
So basically, I asked 'so this is basically me trying to get people to buy your insurance packages' and she said yes. I said ok, I am not looking for any sales positions and before the next millisecond, she hung up the phone. In lieu of calling back to say how rude she was, I figured a complaint here may be better justified. Hopefully, it will save someone else the pain of thinking it's a different type of job then, just being honest by saying they are looking for people in sales or for cold callers for their insurance packages. Kia was very rude and unprofessional, therefore, even if I was thinking of considering it - she just turned me off - which could be a loss for really good working people for the company.
I have life insurance through this company. When the agent came to my home to discuss the insurance plans and my options, I was able to tailor it to my own needs and wants. The agent was also very personable, knowledgeable, and friendly. I am so happy with the insurance I have, the price I pay, and my agent. Anytime I have a question my agent is just a phone call away and always gets to the bottom of whatever I need in an extremely timely matter. There's nothing better than having an affordable plan with the perfect coverage and also a dependable National Income agent to help me with whatever I need. I cannot relate to the bad reviews or complaints on here because my experience has been nothing short of wonderful.
My overall experience with NILICO was amazing. The representative was amazing and the prices can't be beat. The company is invitation only and I was very pleased that my cousin invited me to take a look at what they had to offer. I would recommend this company to all my friends and family!
I received this phone call. She provided two positions management and consulting jobs. I asked whether I can have more job descriptions. She said NO! Then I felt wired. After that, she directly booked interview time. OMG! I don't know what this job is. Thanks for all your reviews. I figured out what happened. I think they just find your resume on Monster and provide jobs related with your interests. Ask you to come and pay the license fee then sell insurance. Again many thanks for those reviews!!! I reject such interview!
I've seen up close how this agency runs... Unfortunately, they are guilty on who they hire and let sell their products!! But their goals is all about quantity and not fineness. The product is either the same as other insurance companies OR if qualified, can receive a much lower rate than most!! Again, must qualify to get the rates!! The problem is that they are hiring just anybody to sell which is always going to bring in the Sharks who don't care about the client and only making money!! This company qualifies A LOT more than ANY OTHER company out there!! Do your research!!
My wife has MS... Tell me what ins co is going to write life ins for her??? These guys will!! Anyway, I've just read everybody's reviews and I didn't see one good complaint (that didn't have to deal with bad representation that is) about the actual product itself!! Listen, if you're too stupid to buy a product from someone who doesn't know what they are talking about, you can't blame the actual product for it. There are MANY great agents that actually care about the product who are doing very well over there... Hope this helps because my aunt who has had alcohol dependency issues, just got a life ins policy!! Complain about that???
I worked for this company for several months. It is SHADY. When we call people, as recruiters, we have a script we read off. We have limited information and are told only to answer from the script and to keep it brief. Day one I was told disclosure is important and to give as little information as possible. We are told not to discuss how new hires would be paid, even though we are entirely aware that it is exclusively commission based. We are essentially required to lie to the people we're calling and would face repercussions if we did tell them anything about the pay or truthful.
We rarely have any actual resumes, we just have a long spreadsheet of phone numbers we call off of all day. We have their names, phone numbers, and have to meet a quota of "sets" for the day. When we had resumes, it didn't matter if the background was sales or not. We'd print off HUNDREDS under any search, it didn't matter. The company wants employees they don't have to be responsible for paying. They are absolutely questionable.
I felt ethically challenged working for them because I was required to lie to the people I was recruiting. I made phone calls all day, that was the extent of my position. I often overheard the agents calling customers idiots, and insulting them when they'd get upset with them. There were times where customers would be upset and the agents had "no idea" why they were wrongfully charged. Having worked for them, I'm certain that it was a scam. I made phone calls all day and had extreme limited contact with anybody else working for the company and any questions I had about the other positions or anything questionable, I was shut down and told to meet my quota for the day.
The people we called were just a number and it didn't really matter if they got hired or not. If this company calls you, don't schedule an interview. There are always people scheduled for the same slot, they don't care what your background with work experiences are, and they probably haven't even seen your actual resume. You're a name and phone number, and just a pawn to meet a quota. The positions are entirely commission based, and they will jerk you around, ask you to lie about things you know aren't true. The company is shady, and I'm certain all of the five star ratings were written by employees and are fake reviews.
I would not recommend this company to ANYONE. They have the absolute worst customer service. They illegally took money out of an account they were NEVER authorized to take money out of. The agent stole the account information off a check and set up automatic payments out of my mom's account. I am 29 years old and NEVER authorized this. I am the sole owner of my account. Then when I called because they caused her account to overdraft and ended up causing fees of $186 due to the overdraft they claim they have my signature. Oh but it's an "electronic signature" something I never signed nor authorized. BEWARE they are dishonest and hide behind electronic signatures.
I started working here about 6 months ago and I've never been happier with any other job as I am here. The amount of money I've made in 6 months is more than I've ever made in a year. The best part is, there's no cap on the amount of money you can make and we are helping people! It's a great feeling to be able to help people with their benefits and be paid well to do so. Unions are the backbone of the working class in our country and being the one and only company contracted through the unions is a beautiful thing. I love it here and am very happy I accepted the position. You must definitely be hardworking to succeed here but they will definitely give you the support you need to thrive. I work out of the Syracuse office and there's no secret to the success here. The leadership team goes above and beyond to help us be successful.
Best company I've ever had the pleasure of working for. There is no cold calling or telemarketing. You work with union families who request life insurance benefits and go to their house. It's really a soft sale, easy. You just have to schedule the appointments with people and go see them. If you work hard you will reap the benefit guaranteed. I never made less than a grand on a weekly basis. Management is very supportive, positive and helpful. They will do everything to make sure you succeed and are making a lot of money. Any other reviews that are negative on this company is false. They are reviews coming from people who make excuses and not solutions, people who never actually worked for the company that only went to an interview. This job isn't for everyone, it's for people with ambition and goals who want to keep moving onwards and upwards.
We cancelled our NILICO insurance 2 months ago. Still being billed because now they say there was 3 different policy numbers. We only had information with 1 policy number. We were considering doing another policy when money came available. NOT anymore.
Someone called me from National Income stating that they found my resume on monster and wanted to set up an interview. I asked for the title of the position and she said the hiring manager will answer those questions. I consented but was cautious so I did my homework on the firm but unfortunately not enough because I decided to try it even though the place and the people looked shady. The first red flag were the individuals who were in the waiting room. I shouldn't judge a book but most of them didn't look like they graduated from college. Anyways, I met with the manager and I asked about the pay structure and he gave me a vague answer. He stated that the presentation would answer all my questions. The presenters sounded like actors playing a part. I attempted to ask questions but the vagueness continued.
I left with more questions than answers and that was the second red flag, they avoided answering certain questions. I got a phone call that I was considered for the position, so I came in for a final session with my manager. Again, I asked about the pay structure and a detailed description of how the firm makes money and again, the vagueness! He said I needed to get licensed and that they offered a class at their location for $275. I told him I had the license years ago but was currently expired so all I did was study online. It cost me $65 dollars saving $215. I took the test and passed. Then, I was scheduled for boot camp, I allowed myself to go this far because I wanted to gauge my ability to identify fraud. By the end of the second day of boot camp, I had gathered enough information to make a decision. Insurance agents generally have a bad reputation, so gaining client trust especially an acquaintance (union member) you will be a hurdle.
The insurance products are somewhat appealing but are about the same as any other insurance company products. What appealed to me was the fact that the union members would be expecting our phone calls but National Income wants referrals more than sponsors. The sales pitch we were drilled to memorize during boot camp ended with an aggressive referrals endings. For example, "Let's call your neighbors" or "Let's call your coworkers" or "Let's call your siblings!" National Income Life are deceitful and vague when it comes to answering or presenting the truth about what their company is really about. NEW YORK LIFE is an agent commission based company, they don't hide behind VAGUE answers!
I hope my experience helps someone gain the insider information before becoming deceived by these people. They make money two ways, the insurance course which will cost $27525 people per week, that's about $9000 grand a month plus the referrals! REMEMBER THEY DON'T GUARANTEE ANYTHING SO MONEY SPENT MIGHT MONEY LOST.
I was contacted by National Income about 9 months ago for a interview - same thing, they called and said they found my resume on Monster or whatever and it intrigued me because I wasn't sure what to expect either, so nonetheless, I went for the interview and was still intrigued by the opportunity. Still curious I googled the company to find bad reviews and a few good ones. And I am honestly happy that I followed my own instinct and went for the second interview. If you want a job that pays you to do NOTHING this isn't the career for you. If you expect things to be handed to you this isn't for you. But if you want long term rewarding income that will take care of your family - Ding, Ding, DING, this is for you.
Honestly working for this company has challenged me in ways I haven't thought of. Those lazy days can't exist for me. Thank you National Income for the opportunity and the consistent check. If it was easy everyone would be doing it. So far I have not missed a paycheck and the benefits I have provided they have loved. I don't have anything bad to say about this company sorry. Current employee and future retired at 35.
I made a profile on Monster and I was contacted by a woman who said she was the human resources manager and she saw my profile and wanted me to come interview to either be a manager or work in the office. When I got there I was told this was a commission job and I need to get a license. I stated that I was not told that I would be interviewing for a position as a agent. They pretended to make another appointment with me for another interview for that job then. Complete waste of my time. And the company is outright deceitful! People are looking for jobs and they are wasting people time to get them in under false pretenses.
National Income Life Insurance Company Information
- Company Name:
- National Income