AIG reviews

They are top heavy. And those at the top really don't listen to anyone but those in top positions - AVPs or higher. There are committees that discuss how to make things better but those committees don't include those that are doing the work - the experts and affected parties - just senior managers. Sometimes decisions are made at an upper level and the people doing the work are left shaking their heads because they know that won't work. Instead of higher-ups making decisions, often far removed from the real problems that team members face, they should give, or at least include, the decision making power to those that are closest to the problem. One other issue - they won't hire the people to do the work but then hire a new VP or SVP who then hires 3 new AVPs to work under him/her. Apparently, the budget for resources is limited to AVPs and higher. Here's a specific example: United Guaranty, part of the AIG team, had a separate contracts team under AIGs GS&PS group. This contract group handled all contracts for UG (plus a few other small groups within AIG) - from governance to execution to follow up. At one point, they even kept track of timing & costs. This group needed to hire 2 more people but AIG said no way. So, instead, they hire a director (who undoubtedly makes 6 figures), moved 2 people out of the original contract group and made an entirely new group, adding yet another contract employee. These 2 groups are now doing the same thing but in 2 different groups in the same building. The original group worked well together, was a true team. Now, the original group and the new group don't interact at all. There is confusion amongst the people of UG and there is duplicate work being done.

As a female, I was not comfortable being on my own in complete stranger's homes asking them to buy insurance. Usually on these appointments, you could see that some clients couldn't afford to live much less buy insurance. Be prepared to: put A LOT of miles on your own vehicle, hit up your friends and family for appointments and contacts and insurance, and generally feel like people are avoiding you, because they are. While yes you do get paid during training, even if you meet your goal like I did, be prepared for your pay to drop. I ended up quitting because I was spending more than I was making. I was given a lot of "pie in the sky" talk and none of it delivered. It is commission of course, but it is not consistent at all. It was very hard to get policies issued because AIG nit-picked everything. So imagine you find a prospect, get an appointment with them, spend 2 hours talking, selling and completing an application for insurance, be happy you made a sale, submit the app, wait for an answer from the underwriters, only to find out the prospect has diabetes, or is a little too overweight, client gets declined and you, the agent, get absolutely no compensation for all of your time and work. That happened to me 11 times. I decided to cut my losses. This is a good job for you if you have another form of income. Do not depend on this as your sole income. All of the other agents I knew had another source of income if that tells you anything.