I searched and researched work at home opportunities for nearly 3 years before finding AmeriPlan. I think I had come across it a few times before, but didn't understand the concept of being an Independent Business Owner. The company has a very detailed policies and procedures manual, so that are very clear on"do's and don't's". Mostly, they want anything with their name on it to be approved by them before sharing with the public, which is understandable. That's how they keep such high credentials. Their customer service is more than helpful, I've never ever had to wait to get paid, even on my residual check, they process all of my apps in a timely manner (as per their policies) and they handle all of my accounts and billing. I've had a slow build, only being able to work 10 hours a week, but as long as I follow their guidelines, I make money. I'll be honest and say this isn't for everyone....some people are better at offering a physical product rather than a service. However, even if the business isn't for you, I've personally saved hundreds and hundreds of dollars with their services. I'd have to give them 5 stars for their 21 years of incredible and reputable service!
It is not just the webiste. It is the way the Independent Business Owners are treated by this company. I was involved with this company for 2 years and I finally woke up when I figured out that I was only being told what Ameriplan thought I wanted to know. I was not informed that things I was telling possible other work at home people that things were changed and no longer available to them. When you look at the actual agreement that is signed by each and every Independent Business Owner. They can be held liable for the information they provide to people and Ameriplan can take legal action against the representative instead of defending the people who work for them they will sue that individual. Ameriplan is harmful according to the contract. See people don't always read the contract because, as a representative you can sign the person up. Which is what happened in my case. I never knew what I signed until one day I took a real look at it and then I decided to quit.
Another thing they do is pay you when you write business no matter how small or big the check except when it comes to your residual income. The company takes your $50.00 or $100.00 a month broker fee out automatically and if the balance is less than $25.00 they hold it in trust until you make $25.00 or more and then they cut you a check. Therefore, the company is earning money off you until you reach the $25.00 or more for them to cut you a check.
The IRS says if you make $400.00 as and Independent Business Owner it needs to be reported and that does not matter if it is gross or net income. Ameriplan will not send you a 1099 unless you make $600.00. A 1099 should be sent regardless because, many home based business people are not involved in just one business. The company will not even send you one upon request. Their policy is that you have to make $600.00 or more per year for them to send out a 1099.
This company has way too many issues for me to go into. It is just a terrible company to be a part of and I don't want to see other individuals be taken advantage of by this company.
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