American Income Life Insurance

We offer comprehensive life insurance policies designed to protect families during financial hardship. Our whole life and term life options provide customizable coverage that adapts to changing life circumstances. With portable policies that remain with policyholders regardless of employment status, our solutions ensure long-term financial security for beneficiaries.

Our supplemental health insurance products complement existing coverage to address specific medical needs. The Terminal Illness Rider provides accelerated benefits for policyholders diagnosed with life-limiting conditions. These policies help alleviate financial burdens associated with healthcare expenses while maintaining portability across job changes.

Term life policies protect policyholders during peak earning years with affordable premiums. Coverage lasts for specified periods, making these policies ideal for addressing temporary financial obligations. Policyholders can combine term life with whole life insurance for comprehensive protection throughout different life stages.

Whole life insurance provides lifelong protection with guaranteed premiums and cash value accumulation. These policies build loan value over time while maintaining consistent premium rates. They serve as foundational coverage for long-term financial planning and estate protection strategies.

This no-cost rider provides accelerated benefits for terminal diagnoses with life expectancies under 12 months. Policyholders receive 50% of the coverage amount while maintaining policy validity. The benefit helps cover medical expenses and quality-of-life improvements during critical health situations.

Founded American Income Life in 1951 with $25,000 borrowed capital. Advocated for labor rights throughout his career. Established the company's union-label foundation and community-focused values that continue guiding our operations today.

Leads the Retail, Wholesale and Department Store Union partnership with American Income Life. Advocates for worker protections through collaborative insurance programs. Represents labor interests in developing accessible insurance solutions for union members and their families.

Champions worker benefits through partnerships with American Income Life. Represents professional employees in shaping insurance programs that address modern workforce needs. Serves on the Labor Advisory Board to ensure policyholder interests are represented in product development.

Leads the American Federation of School Administrators' collaboration with American Income Life. Advocates for educator protections through specialized insurance programs. Promotes union-label insurance options that align with members' financial security needs.

Visit our website to access claim forms or contact our claims department directly at 800-433-3405 during business hours. Our representatives will guide you through the submission process and required documentation.

We provide life insurance (whole and term policies), supplemental health insurance, Terminal Illness Rider benefits, Legacy Will Kits, and Final Expense programs tailored for working families.

Yes, all our insurance policies remain with policyholders regardless of job changes or relocation, ensuring continuous coverage without requiring new underwriting.

Our customer service team is available Monday through Friday from 8:00 AM to 4:30 PM Central Time. We offer online resources for after-hours inquiries.

Use our online agent locator tool by entering your ZIP code. This will connect you with licensed representatives in your area who can explain coverage options and assist with applications.

Don't apply for QA. Especially for the night shift. Supervisor Randy hires very young and naive people to be your supervisors. Those supervisors argue with the other supervisors, it's so sad and embarrassing. Do not have Juana R. Or "MAX" (both females) as your supervisors. They need more training and they DO NOT care about you or your needs. And their supervisor Randy does nothing about it. Then AIL (Globe Life) gets really irritated with you, if you cancel life policies.

They don't care if that person or family is in a financial burden. AIL a.k.a. Globe Life does not care. Update to the response AIL left under my comment: When me and others left that job, we told Randy and the HR department a lot of info. And nothing happened in return. They still turned us away. Juana was horrible as well. He personally did NOT hear us out.

Not very happy with this company at all. I tried to cancel and get whole life money coming to me. It has not happened yet and they're still trying to charge me. It has been about two months now. I'm beginning to think if you die they won't pay out to family. Look at the reviews on bbb. If I could rate less it would be a negative five.

If I could give this company a 0 stars I would. They have given me nothing but the run around for 3 1/2 months since my father has passed away. I have emailed everything they've asked for, and faxed it too, and still get the same B's as always. They won't let you talk to claims department. Say they never received the stuff. Or birthday dates are wrong or names are wrong. But it was ok you took my father's money for a long time, but when it comes to paying out what you owe him to pay for his funeral, you don't want too!

You as a company should be ashamed of yourselves taking people's money and not paying what they're family is entitled too! People please be aware of this company! Report them for insurance fraud to insurance board. Please! And so has the funeral home multiple times faxed and emailed them the same information as us!

Worst experience ever. Applied for coverage which took 5 months to approve. Cancelled day before approved. Request refund by Direct deposit. AIL state cheque was sent. The cheque was not full refund. I requested full refund 30 days ago. No refund has been provided. I have to contact complaints to get any action. Still waiting. Would never recommend as refund is a fight. They dont listen or understand. Horrible company would give 0.5 out 5 stars

This opportunity i've seen change many lives Not only through protecting families and making sure they never have to bear a bad financial situation in the event of a loss But also changing lives through what i like to call opportunity unlimited. I have been able to do things for and with the people i care about since i started working here that i never thought was possible!

I canceled my policies today because they were very deceptive about proposing life insurance policies to me. I paid in nearly $4000 the past two years & will be refunded $22.50. I took out 3-4 policies without even understanding what was going on. I do have 1 policy with them still for $62 / month, but I am shopping around to see if I can find a better deal somewhere else, because honestly 99% of these guys are super sleazy - I've only met only one dude in the company who is true and honest & told me I should actually cancel some of my policies.

Overall just avoid these guys. They will call you every 3-9 months and tell you that you need to / should update your policy - and then in reality they are gonna try and add onto it anywhere from an extra $20-$120 / month. They'll tell you it's a good thing because you are locked-in at that rate - however with how inflation corrects it really won't matter, because what you get paid out in the end will be worth significantly less, while they invest your money and make much MUCH more with it.