American Income Life (AIL)


American Income Life, AIL, provides life and health benefits to individuals and families working in the United States, Canada, and New Zealand. Our company currently works with over 44,000+ Unions, Credit Unions & Associations providing supplemental life and health insurance that cover life, accidents, hospital indemnity, cancer, and critical illness.


The American Income Life insurance companies started in 1951. Its initial name was American Income. American Income was chartered as a mutual evaluation association in Indiana with $25,000 of borrowed capital in March 1951. It got reinsurance through American Standard Insurance Company as a new mutual reserve company. Harold Goodman, and his vice president, Bernard Rapoport, officially founded American Income Insurance Company in May 1951. The company’s home offices were first situated in Indianapolis, Indiana.

In 1961, American income life started issuing additional Insurance to members of labor unions and serving union policyholders in methods not familiar to the company. For instance, the company renounced payment of premiums by union members during an authorized labor strike, still offered in 2021.

In addition, a college scholarship program for union members’ children and the company developed by American Income Life contributed to the strike funds of unions engaged in lawful strikes. As a result, it was ranked as the only 100% union insurance company and termed “Be Union-Buy Union.” After two years, in 1963, the company’s income was about $6 or $7 million.

In 1994, the owners sold it to Torchmark Corporation for $563 million. In 2012, the unnamed owners of two websites and Google, Inc. were sued by American Income Life Insurance Company for highlighting critical results and reviews for the company on the top page of search results.

On August 8, 2019, American Income Life became a subsidiary of Globe Life.

American Income Life is licensed in 49 states, the District of Columbia, Canada, and is registered to carry on business in New Zealand. AIL is often referred to as AIL Local 277, because of agent membership with OPEIU 277.



Justin Crawford launched Union Life Insurance in 2022. He joined the union in 2013 where he assisted Utah in top territory for volume in the company that same year. He went on to help Tennessee to the top territory for growth in 2015. Justin has recently developed Union Life which is an independently contracted agency with AIL. Union Life is a new digital agency helping to meet the demand for virtual meetings with members and their families.


Frequently Asked Insurance Questions

Visit  Union Interview for more information about an independent career selling AIL products.

Yes, we do. reach out to your local representative here.

Select your state/province or ZIP code in the Local AIL Agent Finder on the bottom of this page. This will give you the number of a local representative.

Alternately, you can visit the Find an Agent page to search for Agents in your area.

  • No-Cost Partners Program
  • No-Cost Child Safe Kit
  • Life and Supplemental Accident & Health Insurance

AIL offers life, accident, supplemental health, hospital indemnity, cancer, and critical illness protection.

Absolutely not. Independent agents can meet with you VIA ZOOM/Virtual meeting in the comfort of your own home, and we will work around your schedule.

Need Any Help?

We have agents live and online during normal business hours ready to assist you and your family.

Toll Free No:

Family Safe APP

A Union Policy benefit.

Family Safe