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American Income Life Insurance (AIL) is one of the largest providers of supplemental insurance coverage to labor unions, credit unions, and associations. American Income Life Insurance is licensed in 49 states, the District of Columbia, Canada, and is registered to carry on business in New Zealand. AIL also has two wholly-owned subsidiaries:National Income Life Insurance Company, licensed in the state of New York, and Union Heritage Life Assurance Company Limited, licensed in the Republic of Ireland. American Income Life Insurance and National Income Life Insurance Companies have earned the A+ (Superior) Financial Strength Rating from A.M. Best Company (as of 6/11).

What sets AIL apart from other insurance Companies?

Besides our humble beginning, rapid growth and expansion, superior industry ratings, outstanding compensation package … we make a difference in people's lives. Our life insurance protects the lives of hardworking people internationally. American Income Life stands behind its products and behind the policyholders we serve. How? By walking the walk. AIL is a financially strong company backed by a solid parent company. American Income Life Insurance Company offers strike and layoff premium waivers. During an authorized strike, AIL proudly waives insurance premiums for up to one year. AIL also has a unique lay-off benefit that waives premiums for up to three months on a qualified lay-off. Neither waiver requires payback. AIL also offers several no-cost products, such as our Child Safe Kit, Family Information Guide, and more.

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