American Income Life Insurance Company (AIL) is the premier 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. 

History of American Income Life

In 1951, Bernard Rapoport 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 Insurance Company is one of the largest providers of supplemental insurance coverage to labor unions, credit unions, and associations. We are is licensed in 49 states, the District of Columbia, Canada, and  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.

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 6/14)
• Portable insurance coverage – if you move or change jobs, our insurance coverage stays with you
• Individual, single parent, and family policies available

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.