American Income Life Insurance Company Review

We've looked at over 1,000 insurance companies, rating them on strength, accessibility, and service to find the best ones. Here's what people think about American Income Life Insurance Company.

American Income Life Insurance Company at a Glance

  • Founded in 1951
  • Offers coverage in the US, Canada, and New Zealand
  • Offers supplemental insurance benefits to working families
  • Coverage available in 49 states
  • Rated "A+" (superior) by AM Best
  • Rated "A+" (excellent) by the Better Business Bureau (BBB)

AIL pros: Longstanding carrier with several decades worth of experience. High ratings through AM Best and the BBB. Coverage available in 49 states.

AIL cons: Discount information not available. No online claims reporting. Only two kinds of coverage offered. No specific claims response time frame. Largely negative customer feedback. Many complaints filed through the BBB.

To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.

What Type of Insurance Does American Income Life Offer?

Here's a breakdown of the products offered by American Income Life.

  • Whole life insurance
  • Term life insurance
  • Terminal illness rider

Your independent insurance agent can help you find more information about the coverages offered by American Income Life, and help you decide if this insurance company is right for you.

What to Know about American Income Life Insurance Company

Founded in 1951, American Income Life Insurance Company focuses on offering supplemental insurance benefits to working families. Coverage is available in 49 states in the US, and the insurance company also does business in Canada and New Zealand. There are more than 6,700 AIL employees founded on the carrier's LinkedIn network.

AIL has a combined $3 billion in assets along with its subsidiary, National Income Life, located in New York. Together, the carriers have more than $46.6 billion of life insurance policies in force. 

Thanks to their impressive financial strength, American Income Life has earned itself a reputation as a stable insurance company with a strong outlook for the future. AM Best gives American Income Life an overall “A+” rating, indicating the carrier is a superior choice for insurance customers. High ratings from AM Best assure customers that American Income Life offers guaranteed, reliable coverage.

Established in 1899, AM Best is one of the oldest rating companies in the world. Reviews from AM Best indicate an insurance company’s financial strength and creditworthiness and are based on comprehensive evaluations of the company’s operating performance, business profile, and annual report. 


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What Discounts Does American Income Life Offer?

American Income Life does not make information about its specific discounts readily available. However, an independent insurance agent can help find these details for you. Independent insurance agents work hard to find you the most affordable coverage that still gets the job done right.

American Income Life Customer Service

Here's a breakdown of American Income Life's customer service options and availability.

  • Phone contact option
  • Contact form on website
  • Email contact option
  • Snail mail claims filing

Hours (CT)

Monday-Friday 8 am - 5 pm

Saturday CLOSED


To ensure a great customer service experience, work together with an independent insurance agent. Independent insurance agents can help handle claims and other matters for you, so you can relax and enjoy your coverage.

American Income Life Insurance Company FAQ

What is American Income Life's average claim response time frame?

The carrier's official website states the following as far as a claims response time frame: "Once all the required documents are received, they will be reviewed and the claim will be processed. If the claim requires further investigation, additional documents may be requested and the claim will be processed after the investigation has been concluded."

What is American Income Life's customer service availability?

AIL is available at regular hours, Monday-Friday by phone. The carrier also offers contact through email, but only provides snail mail claims reporting.

What is American Income Life's claims process?

The insurance company's official website states their claims process as follows.

"Submitting Life Claims on Policies Less than 2 Years Old by Mail

Complete the printable Proof of Death Claimant Statement. in its entirety. All the forms will need to be filled out as completely and accurately as possible.

Please mail the completed forms, along with the Certified Death Certificate (including cause and manner of death), the obituary (if available), and any other supporting documentation.

American Income Life Insurance Company

Claims Department

PO Box 2500

Waco, TX 76702

For accidental death claims and claims where the manner of death is homicide, please also include the following:

  • Autopsy, toxicology, and police reports
  • A certified copy of the coroner’s report

Once all the required documents are received, they will be reviewed and the claim will be processed. If the claim requires further investigation, additional documents may be requested and the claim will be processed after the investigation has been concluded."

Does American Income Life Insurance create a user-friendly experience for customers?

AIL could benefit from adding a couple more contact options for its customers, such as online claims filing. The official website is fairly easy to navigate. Overall, AIL could improve their user-friendly experience a bit.

Does American Income Life have good life insurance?

AIL provides two major forms of life insurance, term life insurance, and whole life insurance. The carrier provides the following details about its whole life insurance coverage.

  • Provides coverage for your entire life
  • Premiums never increase during ownership of your whole life policy
  • Builds cash and loan value

The carrier also offers a head start program and a final expense program. An independent insurance agent can help you find more information about AIL's life insurance products.

Is American Income Life a good insurance company?

American Income Life has high ratings from AM Best and the BBB and has several decades of experience under their belt. However, customer reviews are largely mixed. So, it's hard for us to call AIL a good insurance company overall.

American Income Life Insurance Company Customer Reviews

One agent, who lives in San Diego area, contacted my friends in my Emergency List without my permission and annoyed them to get a policy through him. Also, the premium was increased by about 40% in the beginning of this month without any of notice or my permission. I reviewed my plan a week ago from today and there was not supposed to be any type of increase in premium. I also see a lot of issues with cancellation of this company. If that happens to me, I would just request to stop the payment directly through my bank.

HORRIBLE!! HORRIBLE!! HORRIBLE!! I have proof of my policies being cancelled and I am still having payments deducted from my bank account!!! How can we come together and sue this company?

Better Business Bureau
They never got anything right, took forever, and they called and harassed us worse than a collection agency. When I finally canceled them on the 9th way in time before the 25th when the money comes out, they overdrafted my bank account. When they finally put the money on, it wasn't even the right amount they took. Worst company I have ever dealt with!!!!!

Better Business Bureau
I have had a policy with American Income for several years. The sales process was easy, two people met with me over zoom to explain their options as well as what I have through work. It was an easy and quick experience. Really appreciate it, I just updated and upgrade my coverage with them.

Better Business Bureau
I wish I had read these reviews before signing up. Similar story, 6/8 weeks to process has now turned into 3 months. Still deducting my account. I have been lied to and told my policy would be mailed 5/18/21 (Applied 3/4/21) two weeks later, still no policy in the mail. I called customer service. The reply was, "your application is still pending, there is nothing I can help you with. You cannot cancel your application". REALLY??? My original rep replied via text with my receipt from originally signing up along with my application trying to trick me into thinking I had an approved policy. He also mentioned I could access my policy on line. I sent a photo of my computer showing when I try to set up my account access, I get the message in red that no such policy existed. After that text....crickets. So, I sent a reply on the website inquiry and have been told my application is in fact incomplete, nobody has mailed it to me and they will cancel my application. We will see. I will update and see how long this REALLY takes.'s Final Review

We award American Income Life Insurance Company a final rating of 2.5 out of 5 stars. The carrier has several decades worth of experience in the insurance industry, along with high ratings by AM Best and the BBB. Coverage is offered in 49 states, as well as in Canada and New Zealand. 

However, AIL has very outdated customer service contact options, and does not provide 24/7 or online claims reporting. The carrier has had hundreds of complaints filed against it through the BBB in recent years as well. Customer reviews are also mixed, but largely lean towards the negative. Because of this, we're forced to recommend surveying your other options for life insurance coverage along with an independent insurance agent, and skip looking into American Income Life.

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