Every time you make a sale, or as a Manager, one of your Producers makes a sale, a percentage of the premium paid on the policy each month is credited to you.
So upline and downline are "managers and producers." Which is hilarious if you're a poker player, since "producer" is a derogatory term for a weak player who is likely to lose money to you.
I didn't find any existing threads on AIL, so just adding it here in case anyone looks here for information about it. There's plenty of info on the web, and their official websites are easy enough to find. But these guys are reaching out to people with posted resumes on job sites, and going to great lengths to sound like a legitimate job offer, at a time when many are desperate for work. Man, that's sleazy.