ail recruiting

Welcome

History of AIL

Marketing

Company Vision

Agency’s Career Track

Opportunity

Benefits & Incentives

Training

Requirements / What we expect from you

Interview Overview

Interview Process

Telephone InterviewPrevious Experience

1st InterviewIn-Person Interview

Candidate Profile TestCareer Assessment

Company Overview

Evaluation & Call BackCandidate Evaluation

Final InterviewAbility to Perform

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• Started with $25,000 borrowed capital in 1951

• Began marketing to union families in 1960’s

• Became subsidiary of Torchmark Corporation in 1994

• Licensed to operate in 49 states, District of Columbia, Canada, and New Zealand; National Income Life, its subsidiary, is licensed in New York

• Currently has $29.6 billion of life insurance in force (as of 12/08)

• Currently have over 170 independent agency offices with over 3,000 agents in cities across the US, Canada, and New Zealand

• Started with $25,000 borrowed capital in 1951

• Began marketing to union families in 1960’s

• Became subsidiary of Torchmark Corporation in 1994

• Licensed to operate in 49 states, District of Columbia, Canada, and New Zealand; National Income Life, its subsidiary, is licensed in New York

• Currently has $29.6 billion of life insurance in force (as of 12/08)

• Currently have over 170 independent agency offices with over 3,000 agents in cities across the US, Canada, and New Zealand

History of American Income Life

The Spirit of AIL

What We Do – Provide Benefits

• Accidental Death & Dismemberment Insurance

• Health Services Discount Programs

• Child Safe Kits

• Life Insurance

• Accidental Hospitalization Benefits

• Strike and Lay-off Premium Waivers

• Accidental Death & Dismemberment Insurance

• Health Services Discount Programs

• Child Safe Kits

• Life Insurance

• Accidental Hospitalization Benefits

• Strike and Lay-off Premium Waivers

We provide supplemental insurance to fulfill the needs of working families

• Labor Union, Credit Union,

& Association leads

• Existing customer leads

• Child Safe leads

Success Factor: Consistent Leads

Leads are from proven buyers

Referral Leads

• Strongest Sale

• Easiest Sale

Our most successful people obtain 10 referrals from each home.

Marketing

Marketing– The Process

1. PR Rep meets with executive members of local Labor Unions, Credit Unions, and Associations


Marketing – The Process



2. Letter is sent to all Members informing of benefits2. Letter is sent to all Members informing of benefits

Marketing – The Process

3. Members send reply card to Home Office







4. Sales Associate meets with Members at their homes4. Sales Associate meets with Members at their homes

Marketing– The Process




AIL’s marketing process connects our associates with working families.AIL’s marketing process connects our associates with working families.

Opportunity Unlimited

Company Vision

In 2008 we enacted a plan of action to achieve $250M in sales by 2014

3. Double the Sales Force3. Double the Sales Force

4. Double the Leadership Team4. Double the Leadership Team

1. Double the PR Team1. Double the PR Team

2. Double Leads by expanding into non-traditional markets2. Double Leads by expanding into non-traditional markets

2004 thru 20082004 thru 2008

Who We Are – Growth

$20.7 Billion2090 Agents

Life Insurance In Force & Agent Count Growth





20042004 20052005 20062006 20072007 20082008


2009est.2009est.

A+ (Superior) for Financial Strength from A.M. Best (as of 6/08).

A+ (Superior) for Financial Strength from A.M. Best (as of 6/08).

Customers expect their insurance company to be there when they need them.

Customers expect their insurance company to be there when they need them.

Who We Are – Financial Stability

People We Seek

• People who feel they are worth more than their company or industry is willing to pay

• People who are self motivated, desire professional development, and have a willingness to learn

• People with “leadership” mentality

• People who feel they are worth more than their company or industry is willing to pay

• People who are self motivated, desire professional development, and have a willingness to learn

• People with “leadership” mentality


Member ($15) Spouse ($10) Children

Accidental Hospital$100 Emergency Room $100 $100$200 Daily Hospital $200 $200$400 Intensive Care $400 $400

Funeral Benefit$18,000 Freedom of Choice $18,000 $10,000$70,000 Accidental $70,000 $4,000$90,000 Auto Accident $90,000 $8,000$150,000 Common Carrier $150,000 $20,000

Monthly Income$3,000 X 2 years or $1,500 X 4 years

Insurance Sale Example (Hour Power Weekly Premium)

*Example includes Whole Life, 10yr Term, Family A71, ADB, and Child Rider.

Rates and plans vary by age and state, and should be presented based on customer needs.

How many memberswould you sell?

$550 ALP per sale

Agent in their first 8 months at a 50% Contract, 65% Advance

Includes $100 Guaranteed Advance & 15% Bonus

Excludes A&H, balance of first year, convention, other bonuses

Examples are illustrations only – actual advance would be based on sales and advance/bonus guidelines

Performance Based Compensation

Sales Total Weekly Income

3 $883

4 $1,145

5 $1,406

6 $1,667

7 $1,928

8 $2,190

9 $2,451

10 $2,712

Weekly Average


Advancement

• Meet clients at their home by appointment only

• Consult clients on benefit and insurance options

• Complete application for clients for insurance benefit programs

• Obtain Referrals

Sales

Management is the “GROWTH POSITION” at American Income Life

We are looking for LEADERSto join our Management Team

Management is the “GROWTH POSITION” at American Income Life

We are looking for LEADERSto join our Management Team

Opportunity Unlimited – Advancement


100% MERIT BASED PROMOTIONS throughthe “AGENCY’S CAREER TRACK” Program

Individual Producer / Career Agent

Supervising Agent

General Agent

Master General Agent

Regional General Agent

State General Agent

100% MERIT BASED PROMOTIONS throughthe “AGENCY’S CAREER TRACK” Program

Individual Producer / Career Agent

Supervising Agent

General Agent

Master General Agent

Regional General Agent

State General Agent

Opportunity Unlimited – Advancement


Opportunity Unlimited – Earning Potential

Those Who Work the Model: Yearly Take-Home


IP $30k - $60k

SA $45-65

GA $55-80

MGA $100-200

SGA Your own agency

“The #1 financial reason people choose a career in the Insurance Industry is residual income.”

Wealth Building

Renewals


Why would insurance be one of the highest paid sales professions?

Most people would respond …

“Everybody needs it”

Actually, it’s not just because of need…

Why would insurance be one of the highest paid sales professions?

Most people would respond …

“Everybody needs it”

Actually, it’s not just because of need…

Opportunity Unlimited – Renewals


…Residual Income (Renewals)!

Our associates are paid each month from policies sold in the past

In other sales careers -

• Salesperson is only as good as his/her last sale

• To increase income you have to increase the number of units

you sell

• At the beginning of each week, month or year, you start over

• What you’ve sold in the past doesn’t matter

• You’re paid only for what you do in the present, but not the past

…Residual Income (Renewals)!

Our associates are paid each month from policies sold in the past

In other sales careers -

• Salesperson is only as good as his/her last sale

• To increase income you have to increase the number of units

you sell

• At the beginning of each week, month or year, you start over

• What you’ve sold in the past doesn’t matter

• You’re paid only for what you do in the present, but not the past



At American Income Life

• Earn renewals each month

• Earn thousands of dollars

each month before other new

sales ever occur

• Many of our associates have built a

large renewal income through this outstanding, financially

rewarding program

• 10-Year Vesting

At American Income Life

• Earn renewals each month

• Earn thousands of dollars

each month before other new

sales ever occur

• Many of our associates have built a

large renewal income through this outstanding, financially

rewarding program

• 10-Year Vesting



Contests, Bonuses, & Annual Convention

Locales have included:

• Atlantis Resort in the Bahamas

• Las Vegas

• Mediterranean Cruise

• Miami, FL

• Beverly Hills, CA

• New York City

• Puerto Rico

Contests, Bonuses, & Annual Convention

Locales have included:

• Atlantis Resort in the Bahamas

• Las Vegas

• Mediterranean Cruise

• Miami, FL

• Beverly Hills, CA

• New York City

• Puerto Rico

Opportunity Unlimited – Incentives


Requirements for Initial Success

• State Insurance License

• Evenings & Weekends, and some day time

• Disposition to work hard for at least 60 days to receive successful classroom training, field training, and mentoring

• Self-employed independent contractor – You can build your business at the rate you are committed to

Requirements for Initial Success

• State Insurance License

• Evenings & Weekends, and some day time

• Disposition to work hard for at least 60 days to receive successful classroom training, field training, and mentoring

• Self-employed independent contractor – You can build your business at the rate you are committed to

Opportunity Unlimited – What it Takes


Interview Process

Telephone InterviewPrevious Experience

1st InterviewIn-Person Interview

Candidate Profile TestCareer Assessment

Company Overview

Evaluation & Call BackCandidate Evaluation

Final InterviewAbility to Perform

1.

2.

3.

4.

5.

6.

5.

Why You?

ail recruiting

Documents

pr rep meets

local labor

american income

credit unions

residual income

members informing

executive

company vision