American Income Life Insurance Company (AIL): Your Affordable Shield for Life’s Uncertainties

 American Income Life Insurance Company (AIL) is a life insurance and supplemental health insurance provider that has been serving working families in the United States, Canada, and New Zealand since 1951. With over 2 million policyholders and a strong focus on providing affordable plans, AIL has earned a reputation as a reliable and trustworthy insurance company.

American Income Life Insurance Company (AIL)


American Income Life Insurance Company (AIL) is an international company that provides life and health insurance products to working families in the United States, Canada, New Zealand, and through its subsidiary,

National Income Life Insurance Company, in New York. Harold Goodman and Bernard Rapoport founded AIL in 1951, and the company has been headquartered in Waco, Texas, since 1959. Globe Life Inc., an S&P 500 company, wholly owns AIL, serving as its parent company.

Benefits of AIL Insurance Products

AIL designs and offers a variety of insurance products tailored to meet the needs of working families, such as:

  • Term life insurance: This provides coverage for a specified period of time, usually 10, 20, or 30 years. Term life insurance is typically cheaper than permanent life insurance and can be used to cover expenses such as mortgage, education, or funeral costs.
  • Whole life insurance: This provides coverage for the entire life of the policyholder, as long as the premiums are paid. Whole life insurance also accumulates cash value over time, which can be borrowed or withdrawn by the policyholder.
  • Accident and health insurance: This covers medical expenses and income loss due to accidents or illnesses. Accident and health insurance can help pay for hospital bills, doctor visits, prescriptions, or disability benefits.
  • Supplemental insurance: This covers expenses that are not covered by the primary insurance, such as deductibles, copayments, or coinsurance. Supplemental insurance can also provide additional benefits, such as critical illness, cancer, or hospital indemnity.
  • Special risk insurance: This covers groups or individuals who are involved in high-risk activities, such as sports, hobbies, or occupations. Special risk insurance can provide protection for accidental death, dismemberment, or disability.

Life and Health Insurers - Overview, Coverage, Scenarios

Claims and Services of AIL

AIL strives to provide quality service and support to its policyholders and beneficiaries. The companyhas a dedicated customer care team that can be contacted by phone, email, or online form.

AIL also has a network of local agents who can assist with policy changes, claims, or questions.

To file a claim, policyholders or beneficiaries need to provide the following information:

  • Policy number
  • Name and date of birth of the insured
  • Name and contact information of the beneficiary
  • Date and cause of death or injury
  • Proof of death or injury, such as a death certificate, medical report, or police report

Claims can be submitted by mail, fax, or email. AIL aims to process claims within 10 business days of receiving all the required documents.

Contacts and Ratings of AIL

AIL has offices in various locations across the United States, Canada, and New Zealand. The main office address and phone number are:

American Income Life Insurance Company 1200 Wooded Acres Dr Waco, TX 76710 Phone: 800-433-3405

To find a local agent or office, policyholders or potential customers can use the online search tool on the AIL website.

AIL has received positive ratings from independent rating agencies, such as:

  • A+ (Superior) from A.M. Best, indicating a strong financial strength and ability to meet its obligations
  • A+ from the Better Business Bureau, indicating a high level of customer satisfaction and complaint resolution

Insurance Plans Prices and Reviews of AIL

  • Prices for AIL insurance plans vary depending on the type of coverage, the amount of coverage, and the age and health of the applicant.
  • You can get a free quote online or by contacting an AIL agent.


Customer reviews of AIL are generally positive. Many customers praise the company’s affordable rates, fast and easy claims process, and excellent customer service.

However, some customers have complained about the limited availability of certain types of coverage.

Overall, American Income Life Insurance Company is a reputable and reliable insurance provider. The company offers a variety of affordable life insurance and supplemental health insurance plans, and it has a strong track record of providing excellent customer service.

If you are looking for an affordable and reliable insurance provider, AIL is a good option to consider.


In conclusion, American Income Life Insurance Company has established itself as a reliable and affordable provider of life insurance and supplemental health insurance for working families.

Its commitment to financial stability, efficient claims processing, excellent customer service, and community involvement makes it a solid choice for those seeking financial security and peace of mind.

While reviews may vary depending on individual experiences, the overall positive feedback and strong financial ratings highlight AIL’s dedication to its customers.

If you are searching for an insurance provider that prioritizes affordability, accessibility, and quality service, American Income Life deserves your consideration.

Spread the love