American Income Life

American Income Life is an international company protecting working families in the United States, Canada, New Zealand, and through their wholly-owned subsidiary, National Income Life Insurance Company in New York.American Income has served working class families since 1951 with life, accident, and supplemental health products to help protect members of labor unions, credit unions, associations and their families. AIL representatives develop long-term relationships with clients and meet them where they are most comfortable ... their home.


American Income Life Insurance Company strives to be the premier in-home life insurance sales company serving working families. Building on our solid foundation of providing supplemental benefits to working families, it is with great pride that we serve our customers by building long-term relationships and providing coverage for times that are most difficult in life.

AIL in Action

  • Defend Workers’ Rights
  • Advocate for Financial Reform
  • Champion for a Fair Economy
  • Visit thousands of families a year
  • Offer affordable, permanent, portable life insurance


American Income Life doesn’t just insure their policyholders. They also support causes that are important to their policyholders. Giving is at the heart of American Income Life Insurance Company. Giving back to their communities is vital to the success of their Company. In fact, giving permeates every facet of American Income Life and its subsidiaries.


With just $25,000 of borrowed capital, Bernard Rapoport founded American Income Life more than 50 years ago. Today, AIL has become one of the nation’s largest providers of supplemental life insurance to labor unions, credit unions, and associations. AIL provides coverage to over two million policyholders and represents over $130 million in annual insurance product sales. Our Company’s growth has been sustained through high customer satisfaction, innovative lead programs, word of mouth referrals, and one of the most lucrative Agent compensation programs in the industry. American Income Life’s executive offices are located in Waco, Texas. AIL is a wholly owned subsidiary of Torchmark Corporation (NYSE: TMK), based in McKinney, Texas.

American Income Life Insurance Company has earned the A+(Superior) Financial Strength Rating from A.M. Best Company (as of 6/16).

Our subsidiary company, National Income Life Insurance Company, is licensed in the state of New York.

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