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About American Income Life Insurance Company

American Income Life is an international Company protecting working families in the United States, Canada, New Zealand, and through our wholly-owned subsidiary, National Income Life Insurance Company in New York.

American Income Life has served working class families since 1951 with life, accident, and supplemental health products to help protect members of labor unions, credit unions, associations, and their families. AIL representatives develop longterm relationships with clients and meet them where they are most comfortable: their homes.

Who We Are

American Income Life was founded with $25,000 of borrowed capital and has grown into a leading provider of supplemental life insurance to working class families.

You can visit our timeline to learn more about the history of American Income Life.

When we say AIL supports working families, we mean it. American Income Life advocates for key issues and campaigns, and invests in a public agenda reflecting core values important to all working people.

Social Responsibility

We contribute to various organizations that research, analyze, and propose solutions on fair trade, good jobs, environmental sustainability, and electing fair-minded candidates.

American Income Life in Action


  • We defend workers’ rights
  • We advocate for financial reform
  • We champion for a fair economy


  • We offer affordable, permanent, portable life insurance
  • We support independent agents who visit thousands of families a year

An insurer's ability to pay claims should be a factor when considering an insurance company. American Income Life has consistently earned high financial strength ratings.

American Income Life has consistently earned high financial strength ratings. American Income Life, along with our New York subsidiary National Income Life, has combined assets of almost $5.7 billion with more than $88 billion of life insurance in force as of March 31, 2023. Source: AIL's Internal Business Records.

AIL-NILICO paid more than
in life insurance claims in 2023


As other companies downsize, American Income Life continues to experience growth. AIL's insurance products create opportunities for union members interested in selling insurance and running their own businesses. We proudly proclaim our status as a 100% union label Company. From the independent agents in the field who write an application, to AIL's own employees, all the way up to our CEO, everything is done under the union label.

Also, with increased commissions, production bonuses, and lifetime vesting, agents who affiliate with AIL have seen phenomenal growth in long term net worth and a secure financial future. For more information on opportunities selling AIL insurance products, please visit our Careers page.

American Income Life doesn’t just insure our policyholders; we also support causes that are important to our policyholders. We also support causes that are important to our policyholders. Giving is at the heart of American Income Life Insurance Company. Giving back to our communities is vital to the success of our Company. In fact, giving permeates every facet of American Income Life and its subsidiaries. It’s this charity that has awarded us the trust and loyalty of our policyholders and the respect of the community.

American Income Life Is a Different Kind of Insurance Company

From its inception, Bernard Rapoport founded American Income Life Insurance Company on the bedrock of supporting labor. Like you, we deal with bread-and-butter issues. American Income Life has a long history and rich tradition of partnering with the labor community through national and local leaders, advocating for key issues and campaigns, and investing in a public policy agenda that reflects the core values of importance to all working people.

"I remain convinced that the American free enterprise system needs the labor movement to guarantee democracy on the job and fairness to workers. I am proud of the labor movement, and I am proud of my relationship with it. It's great to do well by doing good."

Bernard Rapoport, Founder of AIL

American Income Life is working with the country's most prominent labor organizations, leaders, and activists. This includes working with the leaders and more than 45 international unions.

American Income Life at a Glance

  • Headquartered in Waco, Texas
  • Life, accident, and supplemental health insurance
  • American Income Life Insurance Company has earned the A (Excellent) Financial Strength Rating from A.M. Best Company (as of 8/23).*
  • Portable insurance coverage — if you move or change jobs, our insurance coverage stays with you
  • Individual, single parent, and family policies available

*This rating refers only to the financial strength of the company and is not a recommendation of the specific policy provisions, rates, or practices of the insurance company.

Our Parent Company

American Income Life is a wholly-owned subsidiary of Globe Life Inc. (NYSE: GL), an S&P 500 Company that markets life and supplemental health insurance for middle-income families through its affiliate companies.