Welcome to the American Income Life® Page

Here you can learn more about American Income Life, one of the leading insurance providers in the United States, and how they can help protect you and your family with a variety of coverage options.

American Income Life Story

American Income Life Insurance Company (AIL) is a prominent provider of supplemental life insurance products, primarily serving working families in the United States, Canada, and New Zealand. Founded in 1951 by Bernard Rapoport, the company is headquartered in Waco, Texas. AIL operates as a wholly-owned subsidiary of Globe Life Inc., which is one of the largest life insurance companies in the U.S.

AIL specializes in offering a range of life insurance products designed to provide financial protection and peace of mind to families. Their primary products include whole life and term life insurance policies, which are tailored to meet the diverse needs and budgets of policyholders. Whole life insurance offers lifetime coverage with cash value accumulation, while term life provides coverage for a specified period, typically at a lower cost.

In addition to life insurance, AIL offers supplemental insurance products such as accident and health insurance, hospital indemnity plans, and cancer protection policies. These products are designed to complement existing health insurance coverage and help policyholders manage out-of-pocket expenses related to unexpected illnesses or accidents.

American Income Life Insurance Company is a reputable provider of supplemental life insurance products, known for its focus on serving working families and labor union members. With a strong agent network, commitment to community involvement, and financial stability, AIL continues to be a trusted partner for individuals and families seeking comprehensive insurance solutions.

Hear from American Income Life Customers

/5 STARS
0
4/5

Overall Customer Rating

All responses are based on an independently conducted survey and ranked on a 5-point scale.

What makes American Income Life great?

American Income Life Insurance Company (AIL) distinguishes itself through its strong focus on serving working families, labor union members, and associations. The company’s unique selling point is its dedicated partnerships with labor unions, providing specialized group insurance benefits that cater to the unique needs of union members. AIL offers a range of supplemental life insurance products, including whole life, term life, and accident and health insurance. These products are designed to offer comprehensive financial protection, often complementing existing health insurance policies. The company also emphasizes personal service, with agents frequently meeting clients in their homes or workplaces to provide tailored insurance solutions.

AIL is committed to providing a straightforward and efficient claims process, understanding that policyholders rely on timely support during critical times. Policyholders can initiate claims through their agents or by contacting AIL’s customer service department directly. The company strives to process claims quickly and fairly, ensuring that beneficiaries receive the benefits they are entitled to without unnecessary delays. AIL also offers ongoing support through its network of independent agents, who are available to assist policyholders with any questions or concerns they may have about their coverage.

As a wholly-owned subsidiary of Globe Life Inc., American Income Life Insurance Company benefits from the financial strength and resources of its parent company. Globe Life is recognized as one of the largest and most financially stable life insurance companies in the United States, with high ratings from major rating agencies such as A.M. Best and Standard & Poor’s. These strong ratings reflect AIL’s robust financial health and ability to meet its long-term obligations, providing policyholders with confidence in the company’s reliability and commitment to safeguarding their financial future.

A.M. Best

A Rating
90%

BETTER BUSINESS BUREAU

A- Rating
95%

S&P Global Rating

A-
85%

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