American Income Life Insurance


American Income Life Insurance Company has served working class families since 1951. Our life and supplemental accident and health products help protect members of labor unions, credit unions, associations  and their families. AIL is a company that cares about its policyholders and worthy causes that make a difference in the world.

American Income Life Insurance Company is striving to become the premier in-home life insurance sales company serving working families in the United States, Canada, New Zealand, and through our wholly-owned subsidiaries, National Income Life Insurance Company in New York, and Union Heritage Life Assurance Company Limited in the Republic of Ireland.

We offer supplemental benefits to working families. AIL representatives develop long-term relationships with clients and meet clients where they are most comfortable their home.

History of American Income Life

In 1951, Bernard Raport founded American Income Life Insurance Company with $25,000 of borrowed capital. Today, AIL is one of the nation's largest providers of supplemental life insurance to labor unions, credit unions, and associations. American Income Life covers more than 2 million policyholders and represents more than $130 million in annual insurance product sales. AIL's growth is sustained through high customer satisfaction, innovative lead programs, customer referrals, and a lucrative compensation program.

American Income Life at a Glance


  • Headquartered in Waco, Texas
  • Life and supplemental accident and health insurance
  • A+ (Superior) Financial Strength Rating from A.M. Best Company (as of 6/13)
  • Portable insurance coverage – if you move or change jobs, our insurance coverage stays with you

Our Parent Company

American Income Life is a wholly owned subsidiary of Torchmark Corporation (NYSE: TMK). Torchmark Corporation is one of the largest publicly held financial services holding companies in the nation. Torchmark Corporation markets life and supplemental health insurance for middle-income Americans through its affiliate companies. Torchmark Corporation is a Fortune 1000 company.
Individual, single parent, and family policies available.

American Income Life Whole & Term Life Insurance

What is life insurance?

Life insurance is needed for the “what-ifs” in life. What if I died unexpectedly? Could my family continue to live in our home? Would my children have the funds to be able to attend college? Will my family have the funds on hand to pay for my funeral and final expenses?  Life insurance is there to provide financial help to those affected by the “what if” situations.

Whole Life Insurance and Term Life Insurance


There are two types of insurance, whole life and term insurance. The specifics of your life – your age, income, and other factors – will help determine which type of and how much life insurance is most appropriate for you.  But one fact is always true – funds for your funeral and final expenses will always be needed.
 If the loss of your income would negatively impact those who depend on you, it may be prudent to add a term life policy to a whole life policy. Term life insurance can help your family financially if you should die during your peak earnings and asset accumulation years.

Whole Life Insurance

  • Provides coverage for your entire life
  • Builds cash and loan value 
  • Premiums never increase during your ownership of your whole life policy
The Freedom of Choice – Final Expense plan is a whole life insurance policy designed to take care of immediate financial needs placed on a family when a loved one passes away. As the name implies, families have the freedom of choosing the funeral home, location, and type of funeral when it is needed.

Term Life Insurance


  • Provides coverage for a limited period of time 
  • After that period, policyholders typically pay increased premiums to continue coverage
  • Usually less expensive than whole life insurance

If you were suddenly taken out of the picture, term insurance could help provide funds for your children’s college education, paying your mortgage or providing a monthly income for a period of time as your family adjusts to the loss of your paycheck.

Terminal Illness Rider

This rider can be added to a life insurance policy at no cost to the insured. The Accelerated Benefit pays fifty percent of the coverage face amount when the insured is diagnosed with a terminal illness and has a life expectancy of less than 12 months (24 months in IL, MA and WA). The policy premiums remain the same after payment of the Accelerated Benefit to the insured and the beneficiary receives the remainder of the policy proceeds upon death of the insured.

Get protected with American Income Life Insurance Company

American Income Life Insurance Company can help you decide which policy will best fit your family’s needs. With less money than you might think, you can protect your family when the inevitable occurs.

American Income Life Supplemental and Accident Health Insurance

Accident Protection

Just the thought of an accident taking the life of a loved one is very troubling. Find out how American Income Life can help when an accident takes the life of a loved one.

Hospital Indemnity

The first question you’re asked at the hospital is not “What’s wrong?” or, “Where does it hurt?,” but “Do you have insurance?” American Income Life’s Hospital Indemnity policy can help during this time.

Cancer Protection 

When cancer strikes, it shows no favoritism. Everyone is at risk.  Find out how American Income Life can help protect you financially when cancer strikes.

Critical Illness 


How would you handle a critical illness? Could you pay your bills and take care of your family financially if you were unable to work for weeks … or months? Learn how American Income Life can help protect you today.