THE SCHEME OF GLOBE LIFE | AMERICAN INCOME | ARIAS
I am writing this to prevent others from wasting their time and money and perhaps even a great deal of second hand embarrassment. In this post I am going to cover in detail the scheme that is otherwise known as “American Income” or “Globe Life”; heavily trending in Miami.
It starts with roping vulnerable people in. On social media, agents are FORCED (yes FORCED) to post dramatic “before” stories like: “I dropped out of school,” “I had no direction in life,” or “I couldn’t provide for my family,” followed by claims that American Income/Globe Life completely changed or “saved” their life. Then come the flashy posts: high-rise apartments, Lamborghinis, first-class flights, private jets — all paired with captions implying that this lifestyle came from becoming a licensed life insurance agent and “changing people’s lives.” The entire image being sold is designed to make people believe they, too, can achieve immense success in as little as ONE YEAR and financial freedom if they join.
You send the DM like instructed and are invited to join a Zoom call, usually on a Monday or Tuesday night. You join the Zoom and one of the “big names,” Spencer K “self made multi millionaire”, walks everyone through the process. They explain the learning modules for the licensing exam and tell you that you’re expected to complete the program within about a month. The Zoom itself is usually brief, but before it ends, you’re assigned an “overseer” or mentor whose entire job is to make sure you complete the program. From that point forward, this person is contacting you constantly — almost daily — checking in to make sure you’re completing modules, taking practice exams, and staying on track for your test date. At first, it feels supportive. It almost feels like people genuinely care about your success. But later, it starts to make more sense why they’re pushing so hard to get as many people licensed as quickly as possible. Eventually, test day comes. You pass. Everyone congratulates you, hypes you up, tells you how proud they are, and immediately instructs you to be on another Zoom the very next day.
On this zoom you’re told your job is now to make 300 dials a day MINIMUM and schedule as many Zoom appointments as possible in order to sell life insurance policies — specifically whole life insurance. It is made very clear that whole life policies are the priority. You are essentially trained to convince people they need it no matter what. The focus quickly stops feeling like helping families and starts feeling like pushing expensive products onto vulnerable people. And here’s the part that genuinely disturbed me: the “amazing free leads” they brag about are, elderly individuals or people who seem to have very little understanding of what they’re being sold. Many of them were connected through labor unions or rotary/member organizations and were told they were receiving benefits or information. After only a few phone calls, it became painfully obvious that a large portion of these people were either financially struggling, lacked the education to fully understand the policies being pitched to them, or were extremely elderly and easily confused. Some could barely follow the conversation. Others sounded lonely and simply happy someone was talking to them. Yet the expectation was still the same: keep pushing, keep booking appointments, keep trying to close deals.
Here’s where it became even creepier. During these calls, you’re expected to stay connected to Zoom the ENTIRE time, completely unmuted, so your “mentor” can listen live, interrupt, correct you, and coach you in real time while you’re speaking to potential clients AND “make sure you are working at all times”. You had to ask permission to USE THE BATHROOM AND MUTE YOURSELF.
A situation in particular that genuinely stuck with me:
I witnessed another agent on a call with a single elderly man who calmly explained that he simply did not have extra income to afford another policy. While the man was speaking, the mentor suddenly started screaming through the Zoom call, instructing the agent to say — and I quote: “Can you really put a price on leaving your family with nothing to collect when you die?” The agent was obviously uncomfortable and hesitated instead of repeating it. The mentor immediately became furious. Meanwhile, the elderly man on the phone had gone silent because all he could hear was awkward dead air on the line. Eventually, he just hung up. The second the call ended, the mentor redirected everyone’s attention back to the Zoom and proceeded to criticize the agent for “losing the sale,” as if the issue wasn’t the fact that an elderly man had just explained he couldn’t financially survive another monthly payment.
At one point, the mentor actually asked us: “Does a lion care about the sheep’s feelings before it kills it to eat?” That was the mentality being pushed. That was the “mindset training.” And somehow, it only got stranger from there.
The following day, there was a branch-wide Zoom call with some of the higher-ups, including someone referred to as “Big Brah,” who is, in my opinion, one of the most unhinged people involved in the entire operation. He screamed at everyone for not completing 500 dials a day. He told us we “had no real desire for a better life” and “didn’t want it bad enough” claimed that if we weren’t actively dialing, we should either be sleeping or working. He demanded that everyone send screenshots of their iPhone screen time at the end of the day every day so he could supposedly see “who was really hungry” and “who deserved to be there.” And somehow, the environment got even more cult-like….. We were told the only acceptable reasons to not be working were going to the gym or “dieting.” Inside their Slack-style group chats, people were genuinely posting PROOF that they had gone to the gym along with photos of their “clean eating” meals for approval and validation from leadership….DAILY. The craziest part is that people were actually doing it!!! Fully grown adults reporting their screen time, workouts, meals, and daily activity to complete strangers in order to prove they were “committed” enough to sell insurance. At that point, it stopped feeling like a workplace entirely. It felt like a bizarre mix of toxic hustle culture, manipulation, and psychological control disguised as “motivation.”.
If you weren’t in the Zoom room exactly on time, your mentor would immediately start BLOWINGGGG up your phone with calls and messages asking the location of where you were, why you weren’t online, and what you were doing instead of working. It created this atmosphere where people felt guilty for having any life outside of the company. You were expected to be constantly available, constantly dialing, constantly “improving,” constantly proving yourself. There was this underlying pressure that if you slowed down for even a second, you “didn’t want success badly enough.” And the scary part is how quickly people normalized it. Having strangers monitor your activity, demand proof of your productivity, question your whereabouts, and pressure you into spending every waking hour working somehow became framed as “discipline” and “commitment.”
Here’s the gag-
You’re told there’s a second way to make money — and this is where the entire structure really starts to reveal itself. Instead of endlessly making calls yourself, you can recruit multiple agents underneath you and “build a team.” Once you have enough people under you, you transition from being the exhausted person cold-calling all day into becoming the mentor managing everyone else. In other words, you become the same person pressuring others to stay on Zoom for hours, tracking their activity, demanding productivity screenshots, and pushing them to sell policies or recruit more people beneath them.
The real money, they imply, comes from building downlines and living off the production of the people under you.
BUT it gets crazier….
The reality behind the “luxury lifestyle” being advertised online.
One thing that stood out immediately was the car situation. These “big dogs” constantly post themselves supposedly buying new Lamborghinis, Ferraris, and Rolls-Royces every other month. The image they push is that they’re making so much money selling insurance with their teams that they can casually keep adding exotic cars to their collection. But if you actually pay very close attention, the cars NEVER come directly from Lamborghini, Ferrari, or Rolls-Royce dealerships. They repeatedly come from the SAME luxury used car dealership in Miami. Why are all these guys only buying their luxury cars from the same dealer? Well a little birdie told me that these vehicles are NOT being purchased outright at all — they’re being LEASED at extremely high monthly rates/ have a maximum number of miles they can not exceed and then the cars are swapped in and out frequently. That’s how they’re able to constantly post “new” cars within weeks or months of each other while making it appear as though they’re endlessly buying more and more luxury vehicles.
The entire thing is carefully curated for social media. It’s a LIE. Then there’s the living situation:
In many cases, multiple agents are actually secretly living together — sometimes 6 or 7 people in a 2 or 3 bedroom apartment — just to split the cost and make it affordable while they’re trying to survive on commission-based income in a Miami high rise. That detail never makes it into the posts. And in other situations, there’s another layer: some of the apartments or homes being shown aren’t even theirs. They’re borrowing or STAGINGGGG content in friends’ or family members’ places, presenting them as their own success story from insurance income. It is MADNESS.
This is unethical, and EMBARRASSING for those involved. Unfortunately it’s only the tip of the iceberg, I hope this is enough to steer some people clear.