About Us
Who We Are
As one of the leading providers of supplemental insurance, Globe Life's American Income Division (AIL) serves a wide range of clients, including labor unions, credit unions, and associations. AIL holds licenses to operate in 49 U.S. states, the District of Columbia, and Canada, offering reliable coverage solutions. Expanding its global footprint, AIL is also registered to operate in New Zealand, delivering top-tier supplemental insurance internationally.
Company Growth
American Income Life (AIL) has a long history of strong financial performance, evidenced by consistently high financial strength ratings. Together with our New York-based subsidiary, National Income Life, we manage a combined total of $8 billion in assets. As of March 31, 2023, AIL has more than $86 billion in life insurance in force, underscoring the trust and confidence placed in us by our policyholders. This financial stability ensures that we can continue to meet the needs of our clients for years to come. Source: AIL's Internal Business Records.
Our Parent Company
American Income Life (AIL) is fully owned by Globe Life Inc. (NYSE: GL), a highly respected S&P 500 company. Globe Life and its network of affiliates are dedicated to offering life and supplemental health insurance products tailored to the needs of middle-income families. AIL’s association with Globe Life reinforces its commitment to providing affordable and reliable coverage to families seeking financial protection and peace of mind.
History of AIL
In 1954, Bernard Rapoport founded the American Income Division with a modest $25,000 in borrowed capital, transforming it into a highly successful insurance company by tapping into a niche market of underserved hardworking individuals. His forward-thinking approach not only provided affordable insurance coverage but also created significant career opportunities for professionals looking to maximize their earnings. Today, AIL, part of Globe Life, manages combined assets exceeding $5 billion and has more than $85 billion in life insurance in force as of December 2021, a testament to Rapoport’s vision and determination.
Workforce
American Income Life (AIL) continues to thrive in an industry where others may be downsizing. Our insurance products offer union members the chance to step into entrepreneurship, selling insurance and running their own businesses. We are proud to be a 100% union label company, ensuring that every layer of our operations—from independent agents to the CEO—upholds the union label. Agents at AIL benefit from enhanced commissions, production bonuses, and lifetime vesting, which has allowed many to achieve significant growth in their long-term net worth, securing a strong financial foundation for the future.
Our Culture
We are dedicated to cultivating a culture of growth, driven by the belief that true success comes from nurturing the development of the mind, body, and spirit. Our business is built on the values of hard work, discipline, and maintaining a positive attitude. These principles guide our actions as we work collectively to seize every opportunity for advancement and improvement. By embracing this philosophy, we create a strong foundation for both personal fulfillment and organizational success, ensuring that growth remains at the heart of everything we do.