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Union Life Insurance

In 2020, 54% of Americans are insured, down from 57% in 2019, with 1 in 3 families remaining uninsured. 66% of Americans, or 2 in 3 individuals, buy life insurance to transfer wealth to other generations. 44% of Millennials overestimate the cost of term life insurance by 5x.

It has never been a more important time to secure the safety of our children, securing their future, and leaving them with a “leg-up” in society.

Save when you protect your family. Ensure your future generations never have burden.


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Insurance Plans

There are four life insurance plans to choose from with Union Life Insurance, as all plans are underwritten with American Income Life, also known as AIL. It’s important to note that because AIL generally provides group policies for various unions and groups who can determine the coverage limits and features they want to provide to their members. The options for you can vary which is why it is beneficial to meet with an agent either in person or online. They can help you create the right plan for you and yours. 

Whole Life

If you’d prefer coverage that lasts the rest of your life, consider a permanent whole life policy. This policy can require a medical exam to purchase, and you will need to work with an agent to determine your coverage options and apply for a policy. 

 It’s imperative to not only determine how much life insurance you need but also how long you’ll need it before buying either term or whole life coverage.

If you’re unsure what you need (or can’t afford permanent coverage right now), buy a term life policy that can be converted later on. Plan to have a virtual meeting through Union Life Insurance to discuss policy options for you and your family.

Term Life

American Income Life term policies offer 10, 15, 20, 25, or 30 years of temporary life insurance coverage, which could financially protect your loved ones if you were to pass away.

Term coverage is generally less expensive than whole life coverage when comparing the same death benefit, though it only lasts for the designated term. 

Term life proceeds can be paid out in a lump sum or as a monthly benefit amount. A medical exam is required for applicants in order to buy term coverage; you’ll need to speak with an agent to determine the coverage limits available to you.

Children’s Life Insurance (Head Start)

The Head Start policy is a children’s whole life insurance product offered by American Income Life. It is available for children up to 17 (an agent will double-check with your state) years of age and offers the option of purchasing more coverage down the line without proving insurability.

This feature is especially important and should be paid attention to when your buying life insurance to cover your whole family. Plan to have a virtual meeting through Union Life Insurance for more information.

Final Expense Insurance (Freedom of Choice)

Offering lower coverage limits, the final expense life insurance policy is intended to cover any applicable final expenses. This could mean covering things like final medical bills, funeral and burial expenses, or other immediate needs.

Supplemental Health Policies

Though American Income Life classifies the following policies as supplemental health coverage, they overlap with the coverage provided by many life insurance policies and optional riders. These include:

  • Accident Policy
  • Hospital Indemnity Plan
  • Cancer Protection Plan
  • Critical Illness Policy

The terms, conditions, exclusions, and availability of these plans may vary, so it’s important to speak with your agent to learn what’s available to you and exactly what it covers.

Available Riders

Accidental Death and Dismemberment (AD&D)
American Income Life offers AD&D rider coverage to eligible policyholders. This rider provides an additional benefit to your loved ones if you pass away as the result of a covered accident, or protects you if you are permanently injured or maimed.

Terminal Illness Rider
The terminal illness rider is available on life insurance policies at no additional charge. This coverage allows you to access up to 50% of your policy’s death benefit ahead of time, if you are diagnosed with a terminal illness and have a life expectancy of less than 12 months (24 months in Illinois, Massachusetts, and Washington). 

Benefits of AIL

  • Nationwide (and even international) coverage: American Income Life provides life insurance coverage in 49 states, Canada, and New Zealand, ensuring that you are able to obtain a policy no matter where in the country you live. (In New York, policies are underwritten by AIL’s subsidiary company, National Income Life.)
  • Complimentary riders: Terminal illness riders are available to policyholders at no extra charge. Accidental death and dismemberment (AD&D) coverage is also offered on many policies; depending on your group and policy, this may be complimentary as well.
  • Financial Strength: With Globe Life as a parent company and have been in operation since 1900.
  • Strike Waiver: When your union goes on strike, AIL will waive up to 3 months of premiums, and you keep all of the benefits.

Customer Service

To build, purchase, and manage a policy through American Income Life, you’ll work with a local, independent agent. However, if you want to contact AIL customer service directly, they are also available. 

You can call customer service Monday through Friday, from 8 a.m. to 4:30 p.m. CST. Their toll-free number is 800-433-3405. You can also reach the company by email at 

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