National Income Life

OMG. first let me state the lady that met with me was great! So sorry I dont have her name on me with me now. In event, I was suppose to get my policy to review and see if I would still like to continue my policy. I got billed and no policy. I called to cancel the policy and the person on the phone was rude. She spoke over me, and gave me mmmhhhh responses and she seem upset I wanted to cancel. I called back to speak to a manger. I was on hold for about 8mins. Still no manager. I also tried logging into my policy online and was told NY policy holders cannot log in… huh? Whats the purpose then? I am so done with them. Im sorry suh a nice person (at the presentation) works for this company.

I have been with National Income for a few years. They are very unorganized for example, I gave them my sister’s information as a recommendation and when the insurance agent visited her they contacted me to sign me up when I was already signed up. Additionally they told me that I needed to renew every 2 years and came to my home. I asked them what they would need for me when they came to visit. They told me nothing but my ID so they could confirm it was me. Well when they came they asked for my ID. U I gave them my passport and then they said they needed a drivers license. I said I only have an expired payment but they took down the information for that. Also a check to cover me for full life insurance as opposed to term and used a swab stick to make sure that I was not a smoker and to see if I had HIV. I asked the gentleman why didn’t he tell me I needed to have my mouth swabbed when I initially asked what would be done. He really didn’t have an answer and offered no apology. Something in my gut does not sit well with me about this whole situation. I will be cancelling my life insurance policy but im pissed that I was foolish enough to sign off on some paperwork that they presented and have my mouth swabbed. Only thing I did not give was the check that they asked for because I could not find my check book at the time. I had a checkbook at work so I told the gentlemen he could come back another day to pick it up. Well Im not giving him a damn thing and my policy will be cancelled today. Don’t use this company for insurance. This happened to me on 7÷19÷15 around 2 in the afternoon. Im praying that there is no identity theft issues since he has all of my info and now some DNA. Damn I feel like a fool.

If it were up to me, I would give this company ZERO stars. They called me under the pretense of offering me «free benefits from my union.» Of course, they told me they’d conveniently be in my area the next day and could they stop by? It turns out their visit was about offering me life insurance. I am in local 1298 and we don’t work in the winter time as we do the road work. They asked the names and phone numbers of my co workers to offer them this great deal and see if any of them were interested in life insurance. Knowing some of my coworkers were family people and our job is indeed dangerous, I figured a call about life insurance couldn’t hurt. They either want it or they don’t. No big deal. The only thing I asked my two representatives was NOT to use my name when they called these coworkers. They told me they ABSOLUTELY would not do that. They did not use anyone’s name when they came to see me so I assumed they would keep their word. Of course they bullied me into taking a small policy, as they told me once they walked out the door the offer was off the table and I was no longer eligible for life insurance through their company. (I realize how ridiculous this is in hindsight.) Anyway I took a small life insurance policy to hold me over until I went back to work whereupon I would have increased it. Within a matter of days I began getting nasty texts, emails and voicemails from the co workers whose names and numbers I gave out. The two representatives called the contacts I gave them, using my name and telling them that I had «sponsored them for something free» and were trying to set up appointments with those people. I immediately called one of the representatives «Kenny» and told him I was not very happy with him using my name after I asked him not to. I reminded him this was the ONLY thing I asked of him. He did apologize, but honestly I was furious. Over the past few days I have gotten more phone calls and texts from coworkers that are either very angry that I gave out their number, or wanting to know what free stuff I sponsored them for. I accept responsibility for giving out their numbers and the lesson has been learned. I also picked up the phone today, called the corporate office in Texas and cancelled the small policy I had opened. If I can’t even trust these guys to keep their word about not giving out my name, I certainly don’t want them in charge of my life insurance. I will get a policy elsewhere once I return to work in April. I do not advise trusting these guys or setting up appointments with them. Shady! Shady! Shady!

Shady shady shady!
I received a phone call around 7 PM this evening from an «Alicia,» expressing interest in interviewing me. I thought it was weird that a «legitimate» company would be calling on a weekend night, but I shrugged it off. She told me that the name of the company she worked for was called «Pappas Agency,» and that they represent various unions around the city. I thought that sounded like a noble thing. She NEVER mentioned anything about insurance, nor did she mention that there would be a fee to attend some class in order to get licensing. So when I look online and find out that it’s technically not the Pappas Agency, nor that there would be a fee, I was fuming. I will not be attending that job interview, because I do not appreciate such crucial information being held from me, prior to an interview. If they are willing to essentially lie (by ommission) and call on a weekend night, what else are they doing?

My Experience with this Company Has Been Overall Exhilarating.
I quit my city job as a construction mason making $ 40/​hr back in 2012. Due to an on the job injury that left me unable to perform my daily activities as a mason. After Fighting The Rough Economy And Searching For a New Job It Seemed My Funds That Were Holding me together Eventually came to an end. I was Jobless And Eventually Forced to leave My home and out on the street and staying with friends.
I am Still Currently With The Company and Have allowed myself To Earn more Money Within 2 years Than The Majority of My Friends Who Finished College and are Still Looking For Work. Im Thankful for this opportunity It allowed me to succeed For What Im worth. My First Year I Pulled In $ 87,000 and have well exceeded 150k before the end of this year for 2014.
My Experience overall made me realize when you work hard. it will pay off eventually the key is Staying Positive. I Have Plenty of Friends and family who have tried to tell me there was no money in this industry. All Negative thoughts and opinions bla bla blah.
I Finally Realized why only 7.5% of This country make over $ 100,000 a year. The other 93% are busy blaming everyone and everything but them selves.

My experience with nilico is a lot different than the last review. I enjoyed the interview process and really thought the agents that work at this great company did an excellent job with the presentation explaining how everything works and are all very professional. I’m happy I chose to stick around and learn more about what a career with nilico had to offer! You shouldn’t judge this company by reviews from people who didn’t even make it past the interview process, because all the fun happens after that :)