American Income Life Reviews: Honest Pros, Cons, Ratings & Customer Complaints

Updated 2026 • Insurance Company Review

American Income Life Insurance Company (AIL) is a well-known insurer in the United States with decades of history. While it holds strong financial ratings, online reviews are mixed — many customers praise claim reliability but raise concerns about sales practices and customer service experiences.

What Is American Income Life Insurance?

Founded in 1951, American Income Life primarily sells policies to working families, union members, veterans, and credit union members. It operates across the U.S., Canada, and New Zealand and is part of Globe Life Inc., giving it strong financial backing.

Types of Insurance Offered

Whole Life Insurance with fixed premiums and cash value
Term Life Insurance for temporary affordable coverage
Final Expense Insurance for funeral and end-of-life costs

Financial Ratings & Stability

American Income Life holds an A (Excellent) rating from AM Best, indicating strong financial ability to pay claims. Financial stability remains one of its biggest strengths despite customer service complaints.

Common Customer Complaints

Aggressive agent follow-ups and sales tactics
Difficulty cancelling policies
Billing disputes after cancellation requests
Limited online quote transparency

Pros and Cons

Pros

Strong financial backing
Policies often include living benefits
Long industry history

Cons

Sales-heavy business model
Customer service concerns
Limited digital tools

Is American Income Life Legit?

Yes — it is a licensed, legitimate insurer with real policy payouts. However, prospective buyers should carefully compare options and understand policy terms before committing.

Final Verdict

American Income Life is financially strong but not always the best fit for modern digital-first shoppers. Comparing multiple insurers can help you find better pricing, service, and transparency.