Secured with SHA-256 Encryption
Select Page

American Income Life Insurance Review & Complaints: Life Insurance

American Income Life Insurance primarily sells products to associations, particularly labor and credit unions, and focusing on supplemental health and life insurance products. They also sell products to schools, churches, 4-H clubs, and youth groups.

FREE Insurance Comparison

Compare quotes from the top insurance companies and save!

Secured with SHA-256 Encryption

Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

Full Bio →

Written by

UPDATED: Sep 9, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

American Income Life Insurance
Financial Strength

Compare Insurance Quotes

Secured with SHA-256 Encryption
American Income Life Insurance (AI Life) is an insurance company headquartered in Waco, Texas. The company was founded in 1951 and has been headquartered in Waco since 1959. It currently sells life insurance policies in 49 states, the District of Columbia, and Canada. In addition to American Life Insurance, AIL is the parent company of two additional life insurers: National Income Life Insurance Company, located in New York, and Union Heritage Life Assurance Company Limited, located in Ireland.

AI Life predominately sells products to associations, particularly labor unions and credit unions. It also sells some group policies to schools, churches, 4-H Clubs, youth groups and more. AIL sells policies through its network of agents, who sometimes meet with potential clients in their homes to try and establish a personal relationship.

Insurance Products

Life Insurance

True to its name, American Income Life primarily sells term life and whole life insurance. There are also a few special products offered by AIL.

Term Life Insurance – Policies are issued for a fixed “term” and expire at the end of them. This is similar to car or homeowner’s insurance, since the period of coverage exists for a predetermined amount of time.
Whole Life Insurance – Much more expensive than its term counterpart, whole life is a policy that can be kept the entire length of one’s life.
Final Expensive Plan – Basically a whole life policy created specifically to cover the insured’s final expenses.
Terminal Illness Rider – This rider allows individuals diagnosed with a terminal illness to receive an accelerated benefit payment of half the policy’s value if their life expectancy is within a year of diagnosis. It can be purchased and added to any insurance policy that AI Life sells.

Anyone considering a whole life insurance policy is invited to read our post about why term life insurance is better than whole life. There are big profits in whole life insurance policies, so some agents push them on unsuspecting clients as a great investment tool for the future. The bottom line is you should be fully educated about each product, and not simply buy it because a sales agent told you to do so.

Additional Products

Aside from life insurance, AI Life also sells some extended benefits coverage:

Accident protection – Provides a cash benefit when an individual is killed or injured accidentally.
Hospital indemnity – Helps to cover additional expenses related to long hospital stays necessitated by illness or injury.
Cancer protection – This coverage helps to provide financial assistance to help with medical expenses and lost work while a patient receives cancer treatment.
Critical illness – This policy can help to provide financial assistance with paying out-of-pocket medical expenses for patients experiencing critical illnesses like heart attack or stroke.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

American Income Life Price (Rates)

American Income Life does not sell auto insurance and our efforts to receive a term life insurance quote has proven to be difficult. We have reached out to a few different agencies, and unfortunately have not heard anything back. It is also possible that individuals are unable to purchase a policy directly and they only sell group coverage to organizations.

If we are successful in obtaining a term life insurance quote or receive word that individuals are unable to purchase a term life insurance policy, this section will be updated with the appropriate information. Until then, their rating will be adjusted to reflect the difficulty in receiving a quote.


The American Income Life claims process begins on their website, where you can launch directly into the claim filing center. For the most common claim (death) much of the initial paperwork can be done and submitted directly online. Once submitted, a representative will contact the listed beneficiary to continue the process.

For non-death related claims, there are specific forms that must be filled out and submitted. The forms can be downloaded directly from the claims section of the website, and completed forms must be mailed to the company claims department.

American Income Life Claims Hotline – 254-761-6400

Consumer Research and Complaints

Is American Income Life Insurance legitimate? American Income Life is a Better Business Bureau accredited company, since 1952, and currently has an A+ rating. The BBB lists a total of 227 closed complaints against the company in the past three years, 90 of which have been closed in the last 12 months. The majority of complaints registered are issues with the product or service and advertising/sales issues. Several of the complaints were specifically about issues with obtaining refunds for unwanted policies.

In addition to their consumer feedback, there appears to be a very sharp divide among current and former employees of the company. While researching American Income Life, we came across many complaints from former employees that basically called the entry level positions they had a pyramid scam. That being said, there were also many rebuttals claiming these were simply disgruntled ex-workers. This review does not focus on the employment opportunities of American Income Life, but it was a strange trend so it has been added here. Anyone considering working for AI Life may want to do their own research.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Financial Strength

Rating Company Grade Financial Outlook
AM Best A+ Superior
Fitch A+ N/A
S&P AA- Stable

Bottom Line

American Income Life is a relatively small insurance company that focuses on supplemental health and life insurance products, similar to Aflac. They sell products in nearly every state, and they primarily sell group plans to organizations such as credit unions and labor unions. They do have a lot of complaints for a company that is so small, with a big chunk of them coming from former employees. American Income Life has high financial ratings from the top firms, but it has proven difficult to get a life insurance quote. or even confirmation of whether they actually sell to individuals directly.

For a list of companies that we recommend, visit our Best Insurance Companies page.

Compare Insurance Quotes

Secured with SHA-256 Encryption

Review Information

Review Date
American Income Life
Author Rating

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.


  1. It is all a plot to sell you additional insurance.

    The first sale is to get through the door.

    The 2nd is to sell you more insurance.

    The 3rd is to get referrals from you so they can sell your friends.

    If I am wrong here, please tell me.

    I have an appointment tomorrow to test out my theory.

  2. AIL keeps calling me to update my policy or something.

    I don’t answer because I don’t want them coming to my house. I don’t have time for that.

    I wish we could just update over the phone or even online.

    When I lived with my parents, my dad scheduled a time for them to come over when only I was home, knowing I wouldn’t answer the door, and they never called him back.

    They call me every-other-day. I know at some point, I have to answer and deal with it.

    Am I screwing myself over by not answering?

  3. AIL was referred by union.

    The contract offered union employees $4,000 coverage for death ins.

    A rep came over and said he could give us a policy for me and my husband.

    Make weekly payments. We said ok. But work hours were cutting down.

    I called to cancel and a rep said he would process cancelation and they would send my refund.

    Two days later they withdrew the monthly premium I did not agree to.

    I kept trying to call and stay on hold for hours.

    Then twice in Sep they withdrew another month. I left several messages and finally after 3 hrs on hold I spoke to someone.

    I told them I canceled in Aug and twice they took money when I did not have a policy with them.

    I never spoke to their office to verify I agreed with policy.

    I was within the looking period and they caused my bank $108 overdraft fees.

    They finally canceled but now trying to get my refund date of arrival is a joke.

    They had no problem taking money. Giving is like pulling teeth from a chicken.

    Never again will I fall for this bull.

    • If you don’t have $100 in your bank account and are getting an overdraft charge.

      You have some serious financial issues.

  4. I signed up through my credit union for a free level of insurance.

    Someone from this company called me and wanted to set up to come to my home.

    I took him I wasn’t interested in anyone coming to my home, he hung up on me.

    About 2 weeks later another person called and I explained the same thing.

    Today, a few days later, I came home to an information placard that they had stopped at my house and would keep “checking back.”.

    Needless to say, the person got a rather nasty message on their cell phone and if they come back I will go after them for harassment.

  5. I am tired of there agents or whatever they are to keep calling and calling they just use different numbers trying to get ahold of you and when you finally set up a time they never show on time they are hours late getting to your house.

    It is hard for some people to set up appointments because they don’t know when people who work and don’t know when they will be home and go to bed early because they get up before 4:00 in the morning to go to work.

    They need to teach their agents how to schedule appointments better.

    I wish they would just do everything over the phone or get people here when they say they will be here and not schedule you for a time and say they put you in their planner at a different time and still can’t make that time either.

    I will be looking into what I need to do either find a different insurance company for life insurance and whatever else we are supposed to have with AIL.

  6. In July 2018, I signed up for the life insurance policy with American Income Life. It was a nightmare due to the fact that I received a letter three months later (September) stating I tested positive for cocaine when I informed the representative I had surgery the week prior. The company sent me a full refund for my paid premiums.

    I received a call around 4:45 today, January 10, 2019, from a different representative wanting to reinstate my policy due to an error. I see this as a problem because I could have lost my commercial driver’s license due to their error. If this mistake was to be rectified, it should have been four months ago. I don’t trust this company with my afterlife.

  7. I was told on the education coverage my son would receive $100,000 dollars to go towards education. I immediately believed it without questioning. How does he earn $100,000 when even in 9 years we have only invested $1000? What is the catch and how do I find out?

    • Unfortunately, for him to receive that.. you have to die. It’s the death benefit.

      Read your physical policy that you got in the mail. Never ever trust your agent, read your policy.

      I worked with AIL and quit when I found out that the education coverage is a complete scam and I was being taught to LIE to my clients.

      I had no idea how the policies worked until I started reading through client policies. READ YOURS!!!!!

  8. I have been with AIL for a little over two months now, and I love it! The office I work for are positive, team-oriented, and pushes me to realize my great potentials that I did not know that I have. As I am reading these negative experiences that many of you have encountered, all I have to say is that it’s these that make people stop protecting themselves and their loved ones.

    I come from a teaching and counseling background. I am an AIL agent! My goals are to make a difference and protect people. I donate every year to a children’s hospital. I donate and volunteer to help individuals with cancer, kidney failure, disabilities, etc. I read to individuals with Alzheimers twice a week. I make hats for patients who have cancer. I am also a beauty consultant who empowers many women to feel beautiful. I sponsor a long time friend in Special Olympics. Before judging any AIL agent and sharing your terrible experiences, think to yourself…what are you doing? What are you doing to teach others? What are you doing to protect others?

    Here are some incidences that have happened because of the negative reviews since I started:

    Through a policyholder, I attempted to contact three families (referrals). The families made it clear to me that our company has a bad reputation based on the reviews online. Guess what happened…?? The policyholder called and informed me three weeks ago: the first family of the three families…the husband diagnosed with stage 1 cancer. The second family…the husband diagnosed with stage 4 cancer. The third family…lost their only child at four months old. How did I feel? DISAPPOINTED! UPSET! Both wives now need to be strong for their children and are the only breadwinners now (losing another paycheck). A couple grieving the loss of their child and may not return to work for weeks (no paychecks coming in and no final expenses for their child). There are three fundraisers going on right now! I have a question for those who posted negative experiences on this site, will you make a donation to these families?? No? Yes? I did! This is what happens when people share their negative experiences in public…for what purpose? To make themselves feel better? Think about how your experience may impact families and individuals when it comes to protection.

    Just recently I made phone calls and 5 out of 200 calls, 5 spouses passed away but the other spouses forgot that they had a death benefit with AIL and to claim the death benefit. Their reasons: they did not want to see an AIL agent and moved on with life for years. Now, who helps them claim for the death benefit?? Not you! AIL did!

    I believe each party has a responsibility. AIL’s responsibility is to make sure to find agents that have the compassion to help others and make sure to train them to provide great services and protect people. People need to appreciate good personal service, be respectful, and be open-minded when it comes to protection. Think about how your experiences can impact others in a negative way. That negative energy can so easily ruin people’s lives. Suggestion: Realize that everyone’s experiences are different and DO NOT let their experiences determine whether you should allow AIL to protect you and your family or not. At the end of the day, it is all about you and your family! Life is short and you never know what will happen to you in seconds, minutes, hours, days, weeks, and months.

    Be kind, respectful, and open-minded! Keep in mind that no one is perfect and no company is going to be 100% perfect. You should never depend on everyone’s experiences to protect your family!

    • You should be ashamed of yourself for being apart of this company.

      Someone of high standards to help others but yet cold calling and selling crappy insurance policies to individuals unknowingly of their true needs and should be speaking to a Reputable agent and company.

  9. I just signed up with AIL a couple days ago. They are processing my application to see if I am eligible or not. I signed up for life insurance, and if I were to get sick and be hospitalized they would end up paying me if I was in the ER, or in intensive care. I am considering maybe canceling since I read some negative reviews. Any comments or thoughts on this?

    • We canceled our policy 5 days after receiving it because I saw some bad reviews, and guess what they didn’t refund our money! They just scammed us 450cad and keep on insisting that they didn’t receive our cancellation request. We informed the agent about it because it states that we have 10 days to decide to continue it or not. But then they still get money on our account! Beware of this company! Worst experience!!!

    • I have my policy with AIL I’ve had 2 accidents and they have paid the $150 as promised, so far no problems at all and I would not get rid of it.

      Because if I don’t hurt in an accident and my budget gets messed up…. I have that support!

      Best program ever… I couldn’t believe they actually pay you to go to the hospital to take care of accidents!

  10. I just signed up with AIL a couple days ago. They are processing my application to see if I am eligible or not. I signed up for life insurance, and if I were to get sick and be hospitalized they would end up paying me if I was in the ER, or in intensive care. I am considering maybe canceling since I read some negative reviews. Any comments or thoughts on this?

    • Don’t let negative people with bad experiences ruin you protecting your family. AIL is NOT a scam. Period.

      • Paying $10,000 for a $2000 life insurance is not ethical.

        The cash value was $76.00.

        • For someone to pay 10k dollars on a 2k dollar policy, you would have to have been paying on it for 83.3 years.

          AIL has only been since 1951.

          The math doesn’t add up. Post your policy and prove it.

    • I signed my mother up with AIL based solely on the Freedom of Choice Certificate and that I would not have any problem with finances for funeral arrangements with this Certificate.

      The policy was expensive but I thought hey for the peace of mind, I do not mind paying a lot for the monthly premium as the Freedom of Choice Cert will come in handy.


      The funeral home I found that could service all of our needs for my mother’s funeral did NOT accept the Freedom of Choice.

      Instead, I had to pay for a third-party funding company to come in and take care of the funds.

      I was never told that there may be some funeral homes that may not accept this certificate.

      All I was told was, “Hand this certificate to the funeral director and this will take care of everything”.

      I could have switched to so many other insurance companies that were WAY cheaper but I decided to stay based on the Freedom of Choice.

      This is FALSE ADVERTISEMENT. Cancel your policy if this is what drew you towards them.

      And of course, they can’t do anything for me and on top of paying so much after all these years, I had to pay a third-party and AIL cannot do anything about that.

  11. This company is a joke. Stay away!

  12. I have been a customer of AIL for approx. 10 years now. I have been trying to get a rep to come and go over our policy for the last 5 months with no success. I called customer service twice and they said someone would call within 2 days….5 days ago. When I call the office in our area the mailbox is full. I will be calling customer service today and canceling the policy. Not impressed with the service!

    • Did anyone ever get out to You? What area are you in?

  13. I would like to cash out & cancel my policy with AIL. They contact me EVERY year and have been doing so for the past 5 years. Am I able to cash out or just cancel & be done with them?

    • Yes,

      Call the 1-800 number on your Freedom of Choice Certificate. Tell them you do not want to see an agent and that you want all of your policies canceled.

  14. For the record, (ex-manager here) it is difficult for the author of this website to get a term quote because AIL brands their term insurance as “paycheck protection.” They do this because the term is only 10 years and extremely overpriced. Agents usually have zero experience in the insurance industry before hire and for the most part, have no idea what they’re talking about. The training process is so specialized that usually, there is no talk about actual insurance. Instead, they frame it as “Union Benefits” that people are “stupid not to buy.” These agents are trained to talk to “members” or clients in this way. These agents have no idea what they’re selling you, they’ve been given a script and told never to go off script and to only talk about: Freedom of Choice Certificate (SUPER high priced whole life), Paycheck Protection (overpriced term), and their Accidental Hospital Benefits (only thing worth purchasing). Their cancer policies are fantastic, yet most agents are never taught about how to present those because trainers are told to stay away from explaining the actual insurance to new employees, for fear that they will see how useless their whole life and term insurances are. AKA never talk to a member about cash value because it’s terrible. My first time selling A cancer policy, I had an impossible time getting ahold of my Regional Manager to figure out what the cancer policy even covered, and ended up just looking up the coverage facts in the Forms List on EApp. It was a horrible experience working there, but if you get an experienced agent who actually knows the products that AIL offers, it’s worth buying accidental, cancer, or disability coverage. Anything else is just a waste of money and only successful because of their branding. Get another, trusted, insurance agent to sit in on your appointment with an AIL representative and then you’ll see how little knowledge these guys have. I work for a reputable company now, and I have no idea how I sold life insurance for so long when it turns out that I actually knew nothing about the industry. I was training people every day, and giving them such awful advice and teaching them unethical practices because I literally just didn’t know any better. Also, whatever you do, don’t bother talking to an RGA because all they think about is the number of sales their agents had. They won’t be able to explain products any better than the agent they are training in most cases. Call home office. Ask to speak with someone who’s been there for 10 years or longer. Make sure you have another rep from another company with you. Only buy what you actually need. Do your OWN needs analysis.

    • Your claims are ludicrous and completely biased. The term isn’t overpriced, it’s renewable and convertible meaning it’s a more expensive version of term insurance. The whole life isn’t overpriced, it’s very competitive and the guy who wrote this article says the same thing. It also builds of cash value at a good rate after 3 years, not sure who said 7 years but from my experience 3 is pretty normal. They also have 20-year term which you would know if you had taken the time to actually look at your application. To suggest everyone is undertrained just because you didn’t actually look into anything is just ludicrous. You think the larger insurance companies train better? The whole point in the “script” is a)it’s approved by the unions and b)it allows new agents to sell benefits ethically that are simple to understand for members. How’s training at your new company going? Sold your friends and family yet? Hired somebody to sell theirs? I hope you’re not this misleading to your customers because based on what you posted you made it pretty clear you didn’t care enough to learn more. I mean all the products are in the training manual you get DAY 1, who you blaming here?

      • Lol. I work for Old American and I can tell you AIL is anything BUT competitive. Competitive means within a few dollars of the competition. When I go to a house that has an AIL product it is usually double or triple the price of my company. Not to mention most of their products are a 3-4 year graded policy which does the client no good if they die before that.

  15. I was offered an accident/dismemberment plan by AIL last year, and today an agent called to say that I was qualified to receive another year at NO-COST. The agent wants me and my husband to be present when he visits with another certificate.
    Is this a scam? I did not give them any bank information last time, and I won’t be giving any in our upcoming appointment.
    Any thoughts or advice on what I should do?

    • Ask as many questions as you can about the company and as many questions about their “facts”

    • The only way to obtain any kind of benefits through AIL you must be a member of a union or association or a family member of one. AIL’s benefits are designed to protect families, even the no-cost benefits: including a $2000 AD&D to help a family through a difficult time while no one is working and mouths still need to be fed. A union discount card, because even the policemen and firefighters have gaps in their benefits, a family information guide because wills have gaps, and child safe kits endorsed by the union of police. Some of these benefits need updating once a year to remain in force.
      What they offer is several benefits including the Freedom Of Choice to fill the gap of time between death and when the life insurance policy to pay out (6 weeks-6months).
      Paycheck protection to help a household who just lost the breadwinner and his paycheck.
      Supplemental hospital benefits to help keep food on the table and bills paid while one is injured/sick.
      While buying term and investing the difference surely pays off (as long as you’re ACTUALLY investing the difference), the freedom of choice is set up to pay out to the funeral home immediately, after the state freezes all of your assets and the “hundreds of thousands you made investing.”
      AIL does not mess with the general public and is guided by the Labor Advisory Board in making recommendations as to what benefits people need and where the gaps are.
      So to sum it all up for you,
      No. It is not a scam.

      • Bull. The practices taught to sell a policy are shady. We were taught how to change policies in eapp…and then electronically forge the customers signature again…by actually changing the time on our computer to about the time the client signed. If you have strong morals and compassion for people, then don’t work for this company. Let alone buy from them.

        • What was the reason for electronically forging signatures and changing times?

          • I’ve never once had to do that. Not sure what your agency was up to.

        • If you did that you and whoever showed you need their license Yanked!

          Total BS! I can tell you what you did.. you screwed up the original app, i.e. forgot a form.

          Underwriting came back told you to Trial it or Rewrite it.

          You were too lazy to go back to the Customers house.

          The only thing shady was your work ethic.

  16. My 83-year-old father took out a $2000 policy for my mom in January of 2011.The monthly premium was $104.00 per month. After 7 years of paying a total of $8736 for a $2000 term policy, the cash value is $76.00. I can only guess that he thought this was a whole life policy and not the term policy that was sold. This was uncovered due to my father’s death and a need to change the banking account information. I’ve reported it to the Florida Attorney General office in hopes that they may be able to assist.

  17. My parents have a policy with AIL and so do we. We have never had problems with claims or customer service. I have had a policy with them for over 3 years and will forever.
    You guys whine for no reason.

  18. Your agent is to [redacted] pushy and condescending he is a total [redacted]. I want to throw him out. He told me I was hostile when I was trying to explain to my husband about what we have my husband is hard of hearing and doesn’t understand insurance. This guy made us feel like an idiot.
    We had a term policy for 20 years. And a whole life. We no longer have the term. We can purchase a whole life someplace else for less than the additional 400.00 that he wants. And he is using a Superior attitude towards us. Making us feel stupid.

  19. Senior policies are graded for 4 years. All ridersend at age 70. The no-cost benefits are worthless. $1 per thousand for the accidental death and dismemberment. You can get better elsewhere just go look it up. The child safe kit are in almost all schools, Fairs, Fire Departments, police station. The Health Partners card is only a benefit to you if you don’t have any health insurance. The freedom of choice is just an excuse to sell your beneficiary. You don’t need anyone to come to your house and read a piece of paper to you that tells you to call a 800 number LOL. If an agent calls you to book an appointment. Tell them you don’t have any banking because this company can only sell your policy if you have a checking account. They don’t take debit cards or credit cards so. If you don’t have a checking account they can’t sell you anything. If they can’t sell you anything they won’t come to you. If they do come to your house tell him you just got a DUI. Or you just got diagnosed with diabetes within the last 2 weeks. See how fast they leave your house when I find out you’re uninsurable.

    • This is not true, maybe you had a bad agent but the main goal is to help the person. I have seen AIL go out of their way to help families. I have never seen a child safe kit until they presented it, Which is an amazing thing that all parents should have. It may be worthless to you but not others.

      • I agree. I have a police report filed on one of their employees for harassing me and trying to trick me into getting some free AMBER Alert kit that the police department doesn’t even endorse and then wouldn’t leave me alone after I told him no I’m not interested. I then found out that he’s not from the McGrath Foundation he’s actually from American Income Life Insurance. WTH? I don’t see how he can look at himself in the mirror trying to trick people like that to buy an insurance policy.

    • Well Tom, as someone who has a policy I can say that if you’re in a union you DON’T have to fill out the initial card. That is the ONLY way someone from AIL will call/visit you. Sounds like you wasted their time and yours and can’t assume all the benefits are worthless.

    • Hello, my 91 y.o. father received a call from “Stubbs” from AIL regarding his burial policy through his union, and then on Sunday, they came to his apartment. This man and woman, about college age according to dad, left no material, no business card. Dad called me while they were there and I told him not to sign a [redacted] thing. I couldn’t talk to them at the moment as I was in a restaurant eating with friends. I told [Redacted] to call me back later. She never called back and did not leave a number or a business card. They said they were offering better benefits, at no costs, through the union, but you could buy more insurance and a money market certificate. They wanted to add me to dad’s policy as beneficiary…excuse me?? I told dad from now on if someone wants to see you about insurance, or anything of that nature, have them call me directly. I think these people were trying to scam my dad. I’m calling his union tomorrow to find out about this change in insurance company and benefits. Something stinks.

      • If your dad was over 80, he was not insurable for ANYTHING other than the no-cost stuff. They do witness the beneficiary designation for sure, but not leaving a card/number is bad business period. I’m certain company policy is to leave a card.

      • Their whole life policies don’t have cash values til year 7!!! OMGGGGGG

    • Hahahah! This is SO TRUE. Posting again because this is the most accurate post on the entire website!!

      This company is NOTHING but a scam, unfortunately, new agents are completely unaware of how bad the company is because they’re being lied to by their higher-ups.

      Do your own research, find a more reliable company. DO NOT waste your time or money with American Income Idiots. :)

      Note for new agents: read a copy of one of your new clients’ policies with them.

      See for yourself that everything you just sold them was a complete lie. Not sorry.

      Ex-Employee here. Had to quit when I found out how many people I had lied to on accident.

      Senior policies are graded for 4 years. All riders end at age 70. The no-cost benefits are worthless.

      $1 per thousand for accidental death and dismemberment. You can get better elsewhere just go look it up.

      The child-safe kit is in almost all schools, Fairs, Fire Departments, police station.

      The Health Partners card is only a benefit to you if you don’t have any health insurance.

      The freedom of choice is just an excuse to sell your beneficiary.

      You don’t need anyone to come to your house and read a piece of paper to you that tells you to call an 800 number LOL.

      If an agent calls you to book an appointment.

      Tell them you don’t have any banking because this company can only sell your policy if you have a checking account.

      They don’t take debit cards or credit cards so. If you don’t have a checking account they can’t sell you anything.

      If they can’t sell you anything they won’t come to you. If they do come to your house tell him you just got a DUI.

      Or you just got diagnosed with diabetes within the last 2 weeks.

      See how fast they leave your house when I find out you’re uninsurable.

  20. Ok everyone, I’ve been paying for two whole life policies for over 7 years now. I just put in a request to close those policies and cash out. I received these policies when I started working for them. One of the tactics they use is to have someone who is new come over to your house with a “presentation” but it turns into them pressuring you to buy their policies as a new employee from another new employee who is practising their prepared speech that everyone has to memorize. The owner was an [redacted] like the rest of the people who have been their awhile. I forgot I had the two policies which I feel like an idiot but I’m gonna see how long it takes to complete this process. I’ll make sure I keep everybody updated as I’ve heard it can be an arduous ordeal

    • Please do i cus i just signed up for it yesterday and need to know

    • Yes please do.

      • It is a whole life insurance policy that you bought. It good for the rest of your life and the price will not increase. You should not cash it out, you would not get that much money. The policy is good for the rest of your life. If you become medically uninsurable in the future you might not be able to get insurance. You locked in your rates when you signed up for the policy.

  21. I believe you can get AIL’s individual/family insurance only by referral. It’s not available to general public. We got it last year via referral and even though it’s pricey, we are very happy with it. We got $300 for an accident just because we went to the doctor to have it checked and make sure nothing more serious happened. It was paid out within 8 business days with no questions asked. Frankly, I was little bit sceptical as you hear various stories. No pressure from agents, they are all very polite and knowledgeable.

    • No referral needed. I purchased from a salesman. I will be cancelling as had major problems with them in just trying to pay. Then they told me I defaulted and they would need to see if I was still eligible to even have the policy! I said nevermind I will get insurance somewhere else, cancel the policy. Then 3 days later the took the payment directly from my bank that they couldn’t seem to do the prior 2 weeks! I pay in advance for the year. I will tell my bank not to honor it when the next time comes due and will be getting insurance elsewhere. POOR COMPANY!

      • My name is Carole Gayles, a sales agent from American Income Life come to my house back in June 2017. He was a smooth speed talker and I told him that I was on a fixed income and couldn’t afford any more insurance at that time besides am already with American Income Life Ins. I told him that I had this ins. Since I lived in California and I have never had any problems with it. He kept going on about the insurance, and they were already taking $56.00 out of my account and I didn’t want to start a new policy because I was on a fixed income and I am good with what I have. This agent is here in Arkansas where I am living now. He said yes he knows and he is my new agent here in Arkansas and for me not to worry about anything and not to deal with anyone else but him, that goes for the people in his office for me to tell them he was assigned to me. He was a smooth talker, too smooth. So while he was sitting here in my house I called the home office here and they said that he was one of their lead agents and I could trust him. That kind of put my mind at ease so I went for it he said nothing would change on my old policy only the cost. My Insurance was supposed to be for only $19.00 a month I asked him so you are lowering it from $56.00 a month? He said it was a special they were doing and they were also giving out free stuff. So he said what I needed to do was give him a voided check, for now, now that I think about it my he lowered my face value of the policy the old one was for $50,000 and this one is only for $10.000 I wasn’t thinking. He came unexpectedly, completely off guard. Anyway I had to put stop on them, each month they been going into my bank account taking different amounts, it has gone from $15.00 a month to $30.00, $62.00, $80.00, and now $92.80 a month and I am just finding this out because I been taking care of my mother whose 86yrs old and my son who has autism and I am worn out. So today I found out that my account was overdrawn and I called the bank and they said this insurance company has been doing this for a while now. I will be taking this matter to consumers affairs and further. Come Monday, I will be going up there with all of my papers and bank papers. I am sick and tired of Scam’s every time you turn around, someone is getting ripped off by someone or some business this has got to stop. I know it is going to start with me. Thanking you for your time. Sincerely Carole Gayles

  22. I have a policy with AIL. I never received a copy of my policy. The agent came and tried to pressure me to upgrade my policy. He was rude. He said either you do the upgrade today or you can’t for the next two years. I am now with a different company that treats me will. I am trying to cancel my policy with AIL and I’m having NO luck at getting it cancelled. I will stop the direct withdrawal from my bank stopped. Bad company to work with.

    • Thomas, we were so frustrated we cancelled our policy too. There was some value to the policy that they said they would send us a check. We waited. The next month they said since we defaulted on the monthly payment they were taking it out of the check! It wasn’t worth arguing with them glad to be done with them.

      • Did you receive the cheque?

  23. For those who say it is a scam or pyramid scheme- it is not. It is a company that offered more to large corporations and businesses before an individual. The only way to get an individual policy is to be referred (you are lucky of someone referred you). To think life insurance is a scam…….? Ok.

    • You don’t need to be referred, I used to work there, you say you needed it, no questions asked you got it, and the whole lay off waiver of premium? That’s [redacted] too, never honored it after the hall signed mine.

  24. This is a scam! My sister in law put us an extended beneficiaries if something happens to her and her husband. the agent called us saying that she is coming to give us an orientation of what we are going to do if something terrible happens to my sister in law and her husband. the agent starting to ask us how much we make and asked for our SIN and Driver’s License, asking us to take a swab test and asking us medical questions. at the end of discussion she asked us for our banking information and told us how much we will pay if we get approved for a life insurance! we had to stop her and did not give her any of our banking information. we thought that she will just give us an orientation but she is actually enrolling us for a life insurance. what a scam! if we want to get a life insurance we will get it from a trusted name not from a pyramiding scam company thank you!

  25. Terrible terrible awful company. Our agent kept making appointments and cancelling on us, when he finally came he was 5 hours late and wouldn’t leave! We stupidly took out another policy and was told it would be combined with the first. It wasn’t. We were charged double for months. Talked to everyone and their mother and they all said so sorry but wouldn’t do anything. THey wouldn’t return our calls. Then they stopped the direct debit and sent us a notice that we were past due. We simply can’t trust them. Cancelled everything. Lesson learned. Going to tell ALL my postal colleagues that get these postcards in the mail for insurance. Stay away!

    • Contact your state insurance department to complain. you might also call your local newspaper to see if they have columns that look into complaints about bad business practices like what was done to you. Stick to reputable insurance companies. Check reviews but their customers for service and claims payment and look at their financial strength.

  26. Hold times are ridiculous, the customer service is pitiful. Tried to change my bank account info to pay 3 times with no success. Sent them an email telling them I would decide if I was going to cancel based on the response time to my email. I have not yet had a response after 8 days but my account has been charged, without my consent!
    Today after a 5 minute wait I received much grief when asking for a supervisor; even to the point telling me they couldn’t help me if I had a complaint! After 9 minutes I was told I was being transferred and got voice mail!!!! Seriously!!!! Don’t do business here!

  27. American Income Life Insurance… This company is the absolute joke. I was seeking a life insurance for my family of four that met our needs due to my husband being a type one diabetic. I stated from the very beginning that if my husband was not covered we did not want any kind of coverage thru this company. Here we are four months in and we are still paying them for a policy we do NOT want due to my husband not getting approved for the coverage we want. We have tried to cancel and the ladies we spoke to are absolutely the rudest people I have ever spoke to. This company even sent our account into overdraft this morning and when I called them to resolve the issue and find out why they are still taking money from our accounts I was disrespected and told they would never agree to such things. I would not recommend this company to my worst nightmare.

    • I had been hired there about three months ago, I was promised all kinds of things (money, bonus etc). I work 12 hours a day 6 days a week, Sunday off. Last week since 4th of July fell on a Tuesday, we were REQUIRED TO WORK ON SUNDAY TO MAKE UP FOR THE DAY OFF!
      You do the math…. three months, 12 hrs a day, 6 days a week….. I have received a check for 244 one for 502 and a 60 check. This doesn’t even cover the cost for licencing or study materials!
      One can not live on 250 dollars per month.
      American Income Life treats their employees worse than their clients.!
      [Redacted] from AIL in Nevada actually THREATENED to hold back my check! We all know that is illegal, right?
      I went out with another agent who told me that she hasn’t received a check in over 6 weeks!
      And GOD FORBID you quit. They bill you for the charge backs after you’ve left the company! and no wonder their getting charge backs, just read these reviews! Clients are ANGRY with the sales tactics.
      If you work for a Union or an Affiliation the best thing you can do is to complain to your union, three complaints and AIL will no longer be working for that Union or Affiliation, thus cutting their leads drastically. If You complain about the Agent, he will no longer be allowed to sell insurance to those affiliation members, thus cutting his income drastically.
      AIL is a PYRAMID SCHEME, the upper mgmt only cares that agents are out there selling, so they can line their pockets with unrightous hundred dollar bills.
      Employees are not allowed to take a vacation, they say you have to earn your vacation, and by that what they mean is that you can go to their annual convention, if you earn it. No other vacations are approved.
      They have a quote, nine o one. Everything can wait until 9.01pm. (because you are required to work 9am to 9pm). although, when hired they say you make your own hours, which has turned out to be complete [redacted]! The compensation is [redacted]! The company is [redacted]!

      • Happy to read this, I was just hired and I was sketical

      • It’s a commission based sales organization where you work for yourself and pick your own hours. If you didn’t get paid, you didn’t sell. You can always take time off, just if you do you don’t get paid. Working 9 am to 9 pm six days a week and you didn’t sell anything seems pretty suspect.

      • When I worked there I made $5000 to $6000 a month. The reason why I was able to make that kind of money is because I had good leads and I recruited. Each licensed agent u bring in you get $500 plus an override. But the disadvantages overweigh the advantages. We are not taught to explain to clients how your money grows. Their products are overpriced and they use very deceiving methods to get into the client’s doors. Overall I did want I had to do made my money and got out. Doesn’t feel right no matter how much I made. I feel like I was providing a disservice to my clients. I’m happier now working for a brokerage firm where I can offer better coverages

        • YESSSS I did the same.

          Made plenty of money, worked when I wanted despite my managers threatening to fire me (they wouldn’t fire me when I was recruiting and making top agent every week haha) and finally saved up enough to quit and get a new job because I couldn’t sleep at night knowing that I had sold overpriced products to deserving families and possibly hurt someone financially.

          When people called me later telling me they couldn’t afford their policies anymore, it made me feel SO GOOD to give them better quality, affordable policies.

          I will never work for a sketchy place like AIL again!

  28. Why am I bothered on a Sunday evening by phone calls about an added benefit for my current policy, at no addtional cost to me, but the catch is I need to schedule a visit because I also need to sign a certificate. I am so sorry that I even took out this policy. When I got this policy, the guy was at my home forever….for hours. Oh my really!!
    Now they want to come out again?!?!
    My husband and I work diferent hours. Our free time is our time together. And, frankly I dont want to entertain a visitor. Please send any materials on the info to me and possibly I will reply through the mail.

  29. I have worked for this company for over a year and a half now. We have whole life and term policies available to individuals and families.

  30. I love this company and have worked for them for three years. Claims paid fast, A rating, excellent mentor and trainers!


Leave a Rating

Your email address will not be published. Required fields are marked *