As a responsible individual, you want to ensure that your loved ones are financially secure, even if you’re not around to provide for them. That’s where life insurance comes in. It’s a safety net that can provide financial protection to your family when you pass away. One of the companies that offer life insurance policies is American Income Life Insurance. In this blog post, we’ll take a closer look at the company and highlight ten things you shouldn’t overlook when considering their policies.

1. American Income Life Insurance Overview

American Income Life Insurance Company (AIL) is a subsidiary of Globe Life Inc., a publicly traded company based in Texas. AIL has been in business since 1951 and offers a variety of life insurance policies, including whole life insurance, term life insurance, and accidental death and dismemberment insurance.

2. Financial Strength Ratings

When choosing a life insurance company, it’s important to consider their financial strength. AIL has an A+ (Superior) rating from A.M. Best, which is a leading insurance rating agency. This rating indicates that AIL has a strong financial standing and is capable of fulfilling its financial obligations to policyholders.

3. Policy Options

AIL offers a range of policy options to suit different needs and budgets. Their whole life insurance policies provide lifelong coverage with guaranteed premiums and cash value accumulation. Their term life insurance policies offer coverage for a specific period, such as 10, 20, or 30 years, and can be more affordable than whole life insurance. Additionally, AIL offers accidental death and dismemberment insurance, which pays out a benefit if the policyholder dies or suffers a serious injury in an accident.

4. No Medical Exam Option

Applying for life insurance can be a time-consuming and sometimes invasive process, especially if you have to undergo a medical exam. AIL offers a no-medical-exam option for their whole life insurance policies, which can be a convenient option for those who want to avoid medical exams.

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5. Limited Coverage Amounts

AIL’s life insurance policies have coverage amounts that may be limited compared to other insurance companies. This can be a disadvantage for those who need high coverage amounts, such as business owners or those with large families.

6. Limited Availability

AIL’s life insurance policies may not be available in all states. It’s important to check if they offer policies in your state before considering them as an option.

7. High Commissions

AIL’s agents are known for their high-pressure sales tactics and high commissions. This can result in policies being sold that may not be the best fit for the client’s needs and budget.

8. Price Competitiveness

AIL’s life insurance policies may not be as price competitive as other insurance companies. It’s important to compare policies and prices from multiple companies before making a decision.

9. Customer Satisfaction

AIL’s customer satisfaction ratings are mixed, with some customers reporting positive experiences and others reporting negative experiences. It’s important to research customer reviews and ratings before considering AIL as an option.

10. Alternatives to AIL

There are many other life insurance companies that offer policies with similar coverage options and pricing. It’s important to explore multiple options before making a decision and to work with a licensed insurance agent who can help you navigate the process.


Choosing a life insurance policy is an important decision that can provide financial security for your loved ones. While American Income Life Insurance Company offers a range of policy options and has a strong financial standing, it’s important to consider the limitations and potential drawbacks of their policies. By doing your research and exploring multiple options, you can find a life insurance policy that fits your needs and budget.

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