{"id":355503,"date":"2025-11-07T18:47:54","date_gmt":"2025-11-07T23:47:54","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=355503"},"modified":"2025-11-07T18:47:54","modified_gmt":"2025-11-07T23:47:54","slug":"american-income-review","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/life\/american-income-review\/","title":{"rendered":"American Income Life Insurance Review"},"content":{"rendered":"\n

Our American Income Life Insurance review finds a financially strong life insurance provider with over 70 years of experience providing products to customers of all ages. While the company does offer flexible whole and term life insurance options, the real standout remains the add-ons and additional resources for kids. You can get a policy for your newborn, take advantage of several no-cost child safety products, and get blanket accident policies for youth-serving organizations. When considering coverage for children, review regulator guidance on guaranteed insurability and suitability (NAIC consumer guidance<\/a>).<\/p>\n\n\n\n

Overall, American Income Life Insurance Company provides some unique options to meet a wide array of different life insurance needs<\/a>. It is also backed by strong financial strength ratings\u2014A.M. Best A+ (Superior)<\/a>; and for Globe Life\u2019s core subsidiaries (including AIL), S&P AA-, Moody\u2019s A1, and Fitch A+<\/a>.<\/p>\n\n\n\n

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American Income Overview<\/h2>\n
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\n In business since: \n <\/div>\n\n 1951<\/span>\n <\/div>\n
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\n AM Best:\n AM Best rates insurance providers creditworthiness. Ratings are based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n <\/div>\n\n A+<\/span>\n <\/div>\n
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\n J.D. Power:\n J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n <\/div>\n\n N\/A<\/span>\n <\/div>\n
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\n States served\n <\/div>\n\n 49 states <\/span>\n <\/div>\n <\/div>\n<\/section>\n\n\n\n

American Income Life Insurance Company was founded in 1951 by Harold Goodman and Bernard Rapoport. The company has grown and now covers over 2 million people. American Income Life is owned by Globe Life Inc., a publicly-traded company on the NYSE (NYSE: GL); market capitalization fluctuates\u2014see Reuters<\/a> or Nasdaq<\/a> for the latest figure.<\/p>\n\n\n\n

The company carries strong insurer financial strength ratings\u2014A.M. Best A+ (Superior)<\/a>; core Globe Life subsidiaries also hold S&P AA-, Moody\u2019s A1, and Fitch A+<\/a>. American Income Life is not separately ranked in J.D. Power\u2019s U.S. Individual Life Insurance Study<\/a>; for customer-experience context, review the latest study results and, where applicable, the Globe Life brand. For rate\u2011adjusted complaint context, consult AIL\u2019s NAIC Individual Life Complaint Index in the NAIC Consumer Information Source<\/a> and see the NAIC\u2019s explanation of the index methodology here<\/a>.<\/p>\n\n\n\n

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PROS<\/h4>\n