America Income Life Insurance Review 2022

Are You Covered?

American Income Life Insurance offers term and whole life insurance policies. We research American Income Life Insurance’s financial stability, policy plan options, riders, website tools, and customer service reviews to help you compare American Income Life Insurance policy options with the competition.

Company Overview

American Income Life Insurance was founded in 1951 by Bernard Rapoport with a focus on helping to provide life insurance products to unions. It is now a wholly-owned subsidiary of Globe Life, Inc., which is the 18th largest life insurance company in the US by market share.

American Income Life offers term and whole life insurance policies for all ages. They also offer optional riders for additional coverage. Policy quotes are not available online and require you to speak directly to an agent to get the right quote.

American Income Life Insurance is licensed in all 49 states (excluding New York) but offers coverage to New York residents through their subsidiary, National Life Insurance.

Expert Tips

American Income Life Insurance also offers additional health coverage and alternative insurance products through their dedicated risk division .

Available Packages

American Income Life Insurance offers term and whole life insurance policies as well as permanent life insurance for children/grandchildren. Many of the details of these plans are not available on their website but can be obtained by phone or directly with your local American Revenue agency.

Term Life Insurance

American Income Life offers term life policies in various lengths and amounts. The term policy offered by American Income Life is the level of the insured life insurance benefit that expires at the end of the term. Typical terms range from five to 30 years, are available in multiples of five years, and the cost varies depending on age, health, and smoking status.

Coverage amount and age limit are not publicly disclosed. Please contact an American Income Life agent for more details.

Whole Life Insurance

American Income Life offers whole life insurance which insures policyholders for their entire lifetime and builds up a cash value that can be borrowed if needed. Lifetime policy premiums are locked for the duration of the policy, meaning that the premium will not increase even if the policyholder’s health status changes.

Coverage amounts and age limits are not publicly disclosed, so you will need to contact an American Income Life agent for more details.

Head Start Child Life Insurance

American Income Life offers child life insurance as part of their Head Start program. This life insurance policy starts at $25,000 and additional amounts of coverage can be purchased for up to $150,000 in total coverage.

This is a form of permanent life insurance that covers the policy for as long as the premium is paid. It is also a level premium policy, meaning that the premium will never increase regardless of the health status of the insured.

Details of the qualifications for this policy must be obtained from an American Income Life agent.

Available Riders

American Income offers motorists access to their life insurance policies. These policy enhancements add additional benefits or custom coverage options to the insurance policy.

The following riders are available to American Income Life policyholders:

Rider Benefits Accelerated Death Benefits With Nursing Home Benefits

The accelerated death benefit pays 50% of the amount covered by the policy when the insured is diagnosed with a terminal illness and has a life expectancy of less than 12 months (24 months in IL, MA, and WA).

These racers are available to add at no cost.

Premium Rider Disability Waiver

If you become completely disabled (unable to work), you may be eligible for premium waivers. The length of premium exemption varies by diagnosis and policy.

Customer Service: Email, Phone or Direct

American Income Life Insurance offers support by phone, email, or in person at one of their local offices. Issues regarding your policy should be addressed directly with your agent, but issues with online payments or other common customer service questions can be addressed by email or by phone with the American Income support team.

American Income Life Insurance customer service hours are Monday through Friday, 8am to 5pm. CST.


American Income Life Insurance does not offer online live chat support.

Customer Satisfaction: Mixed Reviews

According to the National Association of Insurance Commissioners’ (NAIC) complaints index, American Income Life receives more complaints than the life insurance industry average. American Income received a rating of 1.60 , which is above the life insurance company’s 1.0 average complaint index. The majority of complaints are related to the lifetime policy. It has improved over their 2019 score of 1.85 but still receives more complaints than any other life insurance company, relative to market share.

Although American Income is not ranked by JD Power, their parent company, Globe Life, came in second overall in the 2020 US JD Power Life Insurance Study . This does not mean that American Income Life imitates Globe Life’s customer satisfaction, but it does bode well for their overall reputation as a company.

Financial Strength: A (Excellent)

American Income Life Insurance is backed by Globe Life, a strong financial company with an A (Excellent) rating from AM Best. AM Best’s good financial stability and high rating give customers confidence that their policy benefits will be paid when they make a claim.


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