American Income Life


Roger Smith pictureRoger Smith - President & CEO of American Income Life Insurance Company (AIL) 

American Income Life Insurance Company is striving to become the premier in-home life insurance sales company serving working families in the United States, Canada, New Zealand, and through our wholly-owned subsidiary, Union Heritage Life Assurance Company Limited, in the Republic of Ireland.

Building on our solid foundation of providing supplemental benefits to working families, it is with great pride that AIL serves our customers by building long-term relationships and providing coverage for times that are most difficult in life. American Income Life rejoices as we continue our "personal touch" tradition not often found in the insurance industry today - meeting with our patrons in the place they are most comfortable... their home.


With just $25,000 of borrowed capital, Bernard Rapoport founded American Income Life Insurance Company more than 50 years ago. Today, AIL has become one of the nation's largest providers of supplemental life insurance to labor unions, credit unions, and associations. American Income Life provides coverage to over two million policyholders and represents over $130 million in annual insurance product sales. AIL's growth has been sustained through high customer satisfaction, innovative lead programs, word of mouth referrals, and one of the most lucrative Agent compensation programs in the industry.

A.M. Best, one of the country's oldest and most respected insurance ratings companies, has rated American Income Life as A+ (Superior) for overall Financial Strength (as of 6/12).

American Income Life is licensed in 49 states, the District of Columbia, Canada, and is registered to carry on business in New Zealand. AIL also has two wholly-owned subsidiaries: National Income Life Insurance Company, licensed in the state of New York, and Union Heritage Life Assurance Company Limited, licensed in the Republic of Ireland.

AIL's executive offices are located in Waco, Texas. American Income Life is a wholly owned subsidiary of Torchmark Corporation (NYSE: TMK), based in McKinney, Texas.