American Income Life Insurance Reviews 2023
Is It a good life insurance company?
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Last Updated: October 11, 2023
Overview of American Income Life Insurance
- No of reviews: Yelp (250), Google (445), Total (695)
- No of ratings: Yelp (1.5), Google (4.2), Avg rating (3.6)
- Address: Waco, Texas
- Phone number: 800-433-3405.
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American Income Life Insurance (AIL) is a Texas-based provider of life insurance, supplemental health insurance, and accident insurance policies. Founded in 1951, the company is headquartered in Waco, Texas and operates in the United States, Canada, and New Zealand. AIL is dedicated to protecting the families and individuals it serves by offering affordable and customizable insurance options. With a focus on personal service and a commitment to making a positive impact in the communities it serves, AIL has become a trusted provider of insurance products.
American Insurance Life Company is also a wholly owned subsidiary of Globe Life Inc, an S&P 500 Company that markets life and supplemental health insurance for middle-income families.
American Income Life Products
- Whole life insurance
- Term life insurance
- Terminal illness rider
- Legacy Will Kit
American Income Life Insurance Company offers a Legacy Will Kit coverage, which is designed to help customers create a simple will and testament. The kit provides customers with the necessary legal forms and instructions to create a legally binding will, which can help ensure that their final wishes are carried out and that their loved ones are protected after they pass away.
- Head start program
American Insurance Life Company offers a Head start program, which is designed to help families protect their children’s future by providing them with free life insurance coverage. The program is available to families who have children between the ages of 14 days and 18 years old.
- No cost child safe kit
The Child Safe Kit from American Income Life includes a variety of tools and resources, including a child identification card, a DNA collection kit, and a booklet for recording important information about the child. The kit also includes instructions and tips for using the materials effectively, as well as information on how to store and access the information in case of an emergency.
- Special risk division
American Income Life offers a Special Risk Insurance program designed to provide coverage for individuals engaged in high-risk activities. The program provides coverage for a variety of activities, including extreme sports, aviation, and hazardous occupations.
The Special Risk Insurance program offers customized coverage options tailored to meet the unique needs of individuals engaged in high-risk activities. This can include coverage for accidental death and dismemberment, disability, and other types of coverage to provide financial protection in the event of an accident or injury.
It’s important to note that the availability and specifics of these policies may vary by state and other factors. As with any insurance company, it’s important to carefully evaluate your options and choose the policy or policies that best fit your individual needs and budget.
Pros and Cons of American Income Life Insurance
- Good customer service
- Affordable premiums
- Cash value policies
- Coverage available in 49 states
- High ratings in A.M Best and BBB
- Limited availability
- Pushy sales tactics
- Complex policies
- Mixed reviews
Sample of Customer Reviews
My experience working with Steffanie Sainato to set up insurance through American Income Life has been an extremely positive process. She listened to all of my concerns and truly tried to understand what my needs were. We had to tailor the process to fit my individual unique circumstances and she did a great job with everything. I’m very pleased with the whole process!
Shelby was awesome in her knowledge of the business and her demeanor when describing the benefits policy as well as answering any questions. She was wonderful at finding the right fit for us and was very likeable. We look forward to working with her in the future and am glad that we have some security for the future with the plan that she found for us. We highly recommend her.
The lady answered all my questions and was patient and informed. I got everything done in one sitting.
Called twice, left messages, also tried a few times a while ago, nobody ever returned my calls. Found a different agent
Long story short, I feel as though I have played. Being fooled and dragged along feel the worst. I have cancelled my (somehow have) 3 policies that I was NOT aware of. Still I will keep an eye on my bank account to make sure they don’t keep charging me for something else I was unaware of.Source: Trustpilot, BBB, Consumer Affairs
Third Party Reviews
- A.M. Best: American Income Life Insurance Company has been rated A+ (Superior) by AM Best, which is an independent rating agency that evaluates the financial strength and stability of insurance companies. This rating indicates that AIL has a strong ability to meet its financial obligations to policyholders.
- Better Business Bureau (BBB): The BBB has accredited American Income Life Insurance Company and given it an A+ rating. However, there have been some complaints filed against the company, with some customers citing issues with claims processing and customer service.
- Trustpilot: On Trustpilot, American Income Life Insurance Company has a rating of 4.5 stars out of 5, based on over 1,000 customer reviews. Many customers have praised the company’s customer service and affordable premiums, although some have reported issues with claims processing.
- Consumer Affairs: On Consumer Affairs, American Income Life Insurance Company has a rating of 4.5 stars out of 5, based on over 500 customer reviews. Many customers have praised the company’s coverage options and customer service, although some have reported issues with claims processing and pushy sales tactics.
American Income Life Customer Reviews
American Income Life Insurance is widely recognized for its exceptional customer service. With a strong emphasis on personalized assistance, accessibility, expert advice, and an efficient claims process, the company consistently surpasses customer expectations. Their representatives exhibit empathy and professionalism, providing tailored solutions that make customers feel valued and supported. By offering multiple communication channels and promptly addressing inquiries, American Income Life Insurance ensures accessibility and responsiveness. The company’s commitment to transparent communication and expert advice instills trust in customers, enabling them to make informed decisions. Moreover, their streamlined claims process showcases a dedication to swift and efficient assistance. Overall, American Income Life Insurance’s exemplary customer service has positioned them as a trusted and reliable partner in the insurance industry.
Is American Income Life a Good Life Insurance Company?
American Income Life Insurance Company has been providing insurance products for over 70 years, but the company has received mixed reviews from customers and employees. While some have praised the company’s commitment to customer service, others have criticized its sales tactics. The company has also faced legal action in the past. To make an informed decision about life insurance and supplemental benefits, it is important to research multiple providers and carefully evaluate their offerings and reputation.
You might want to consider one of our best life insurance companies if you’d prefer an insurer with fewer complaints and more coverage options.
Agency Height’s Review of Top Life Insurance Companies
Unsure about whether to choose American Income Life Insurance or not? Take a look at our reviews of other life insurance companies:
Frequently Asked Questions
What are the benefits of getting an insurance policy from AIL?
The primary benefit of getting an insurance policy from AIL is that you will have peace of mind knowing that you and your family are financially protected in the event of an unexpected illness, injury, or death. Additionally, AIL policies are designed to be affordable and accessible, which means that you can get the coverage you need without breaking the bank.
How can I get a quote for an AIL insurance policy?
To get a quote for an AIL insurance policy, you can visit the company’s website or contact one of their sales representatives directly. The sales representative will work with you to identify your specific needs and recommend the right policy for your situation.
What are the eligibility requirements for an AIL insurance policy?
The eligibility requirements for an AIL insurance policy will vary depending on the specific policy you are interested in. However, in general, applicants will need to meet certain age and health requirements to be eligible for coverage.
- Overview of American Income Life Insurance
- About AIL
- American Income Life Products
- Pros and Cons of American Income Life Insurance
- Sample of Customer Reviews
- Third Party Reviews
- American Income Life Customer Reviews
- Is American Income Life a Good Life Insurance Company?
- Agency Height’s Review of Top Life Insurance Companies
- Frequently Asked Questions
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