Life insurance is an important investment that can provide financial protection for your loved ones in the event of your unexpected death. If you’re considering purchasing life insurance, you may have come across American Income Life Insurance. In this blog post, we’ll go over what you need to know before choosing a policy from American Income Life Insurance.

Who is American Income Life Insurance?

American Income Life Insurance (AIL) is a subsidiary of Globe Life Inc. and was founded in 1951. They offer a variety of insurance products, including life insurance, accidental death and dismemberment insurance, and supplemental health insurance. AIL operates in the United States, Canada, and New Zealand.

AIL Policies

AIL offers both term and whole life insurance policies. Term life insurance policies provide coverage for a specific amount of time, typically 10, 20, or 30 years. If you pass away during the term, your beneficiaries receive a death benefit. If you outlive the term, the policy expires and you won’t receive a payout.

Whole life insurance, on the other hand, provides coverage for your entire life. Your beneficiaries will receive a death benefit when you pass away, and your policy may accumulate cash value over time. You can borrow against the cash value or use it to pay your premiums.

AIL’s whole life insurance policies also offer an accidental death benefit rider, which provides an additional payout if you pass away due to an accident.

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How Much Does AIL Life Insurance Cost?

The cost of AIL life insurance will depend on several factors, including your age, health, and the type of policy you choose. Generally, whole life insurance policies are more expensive than term life insurance policies.

AIL’s Underwriting Process

To apply for AIL life insurance, you’ll need to go through the underwriting process. This process typically involves answering questions about your health and lifestyle, and may also include a medical exam.

AIL also offers a simplified issue option for some of their policies, which means you may not need to undergo a medical exam. However, the premiums for these policies may be higher than for policies that require a medical exam.

Pros and Cons of AIL Life Insurance

As with any insurance company, there are pros and cons to choosing AIL for your life insurance needs.


  • AIL offers both term and whole life insurance policies, giving you options to choose from.
  • Their policies may include riders, such as the accidental death benefit rider, to provide additional coverage.
  • You can get a free quote online or through an agent.
  • AIL has been in business for over 70 years, which may provide peace of mind.


  • AIL’s policies may be more expensive than other life insurance companies.
  • Some policies may require a medical exam, which can be inconvenient or uncomfortable for some people.
  • AIL may have a more limited coverage area compared to other insurance companies.

Final Thoughts

Choosing the right life insurance policy is an important decision that should be made after careful consideration. While AIL may be a good option for some people, it’s important to shop around and compare policies from multiple insurance companies to find the best coverage at the most affordable price.

Consider working with an independent insurance agent who can provide you with quotes from multiple companies and help you choose the best policy for your needs. With the right life insurance policy, you can have peace of mind knowing that your loved ones will be taken care of financially if anything unexpected happens to you.

Protect your family’s financial future with American Income Life Insurance

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