Independent profile. Not owned, sponsored or endorsed by American Income Life.
American Income Life Reviews, Complaints & Contacts
American Income Life Insurance Company (AIL) is a Texas-based life and supplemental health insurer and a subsidiary of Globe Life Inc. (NYSE: GL). It sells through independent-contractor agents, many of whom are recruited through job postings. Below: how to reach Customer Care, file a claim or stop a policy, how to spot fake recruiters, the non-binding EEOC determination and the shareholder suits Globe Life has disclosed, two class settlements naming AIL (unwanted sales calls and a 2024 data incident), and BBB and Trustpilot figures. 34 published complaint reports are linked to this profile. Most of them are about agent recruiting.
Contacts & Login
- Official websiteailife.com ↗
Customer service & general contact
- Customer Care (policyholders), Mon-Fri 8:00am-4:30pm Central800-433-3405
Escalate a complaint
- Complaint process for Canada (steps and escalation)ailife.com/ca-complaint-process ↗
Account & login
- Customer login (view policy information)myaccount.ailife.com ↗
Fax & written correspondence
- Claims Department fax254-741-5705
Corporate & press
- Corporate office job listingsailife.com/careersearch/joblistingbycategory ↗
Show all 11 contacts
Corporate & press (continued)
- Agent careers site (recruiting)ailcareers.com ↗
- Career fraud alert (how the company says its recruiters operate)ailcareers.com/fraud-alert ↗
Other contacts
- Claims: how to file a claimailife.com/policy/claim ↗
- Globe Life Internal Audit Team (reports of recruiter impersonation)[email protected]
- Online claim filingeclaims.ailife.com ↗
Locations
- Headquarters7677 Henneman Way McKinney TX 75070
- Mailing addressClaims Department, PO Box 2500 Waco TX 76702
- Mailing addressPolicy service, PO Box 2608 Waco TX 76702
Is American Income Life Legitimate?
- Legal name
- American Income Life Insurance Company
- Founded
- 1951
- Business type
- Life and supplemental health insurance company, a subsidiary of Globe Life Inc. (NYSE: GL), sold through independent-contractor agents
- Website
- ailife.comSource: ailife.com, checked 2026-10-27
- Headquarters
- McKinney, TXSource: BBB headquarters profile and Globe Life Inc. business address on SEC EDGAR, checked 2026-10-27
- Owned by
- Globe Life Inc.Source: ailife.com home page, checked 2026-10-27
American Income Life Insurance Company is a subsidiary of Globe Life Inc., a company listed on the New York Stock Exchange that files annual reports with the SEC; Globe Life's Form 10-K for fiscal 2025 names American Income Life Insurance Company of Waco, Texas as the underwriter of its American Income Life Division. The BBB headquarters profile is BBB Accredited with an A+ letter rating, alongside the complaint and review figures shown on this page. The company publishes a customer-care number, a claims page and a fraud alert about fake recruiters. Globe Life has disclosed EEOC reasonable-cause findings and pending shareholder suits; AIL settled a Do Not Call class action with court approval in January 2026, and it is a defendant in a proposed data-incident class settlement that the court has not yet finally approved. None of the matters described here has produced a court judgment against AIL on the merits. Before you buy, confirm that both the company and the individual agent are licensed in your state: your state insurance department can confirm both, and the NAIC's free Insurance Agent Search shows whether a person is licensed to sell insurance in a given state.
Independent Sources
Shown for context — not merged with USAComplaints' own numbers.
Complaint Themes
Reviews & Complaints on USAComplaints
USAComplaints currently maintains 34 historical complaints about American Income Life, published between 2003 and 2011. No approved complaints have been published on this site during the last three years. For a current reputation snapshot, see the independent sources on this page.
- Bait and switch with laptop purchase and about $690 in out-of-pocket fees
- Job ad interview turned into sales pitch with over $600 in fees
- Phone screening lasted two minutes before invite to interview
- Scam
- Scam
Show 15 more on this page
- Seminar-style interview claimed agents could earn a million dollars
- Interviewee says company denies most claims and has high turnover
- Good product but poor treatment and out-of-pocket costs for agents
- Scripted phone call from appointment setter about commission sales job
- Called about a job interview I never applied for
- Fired at end of unpaid training after memorizing script and paying fees
- No return calls after trying to file claim and cancel policy
- Former employee describes misleading sales tactics toward union members
- Free benefits letter with my mother's signature led to insurance sales pitch
- Questions for agency head about fees, pay and office turnover
- Misleading HR interview left me suspicious of hiring methods
- Monster.com email promised $60k salary, but interview matched other complaints
- Contacted about insurance sales job after my CV was sent to them
- Fired for asking too many questions during insurance agent training
- Petition calling for termination of Zophin Agency head
Complaint record: BBB, Trustpilot and complaints on this site
BBB. The BBB headquarters profile for American Income Life Insurance Company in McKinney, TX shows the company as BBB Accredited with an A+ rating, 984 complaints in the last three years, 276 of them in the last 12 months, and a customer-review average of 1.33 out of 5 stars from 816 reviews. The letter rating and the review average are separate BBB measures, and BBB notes that the complaint text it displays might not represent all complaints filed.
Trustpilot. The ailife.com page on Trustpilot shows a TrustScore of 2.1 from 12 reviews. The profile is unclaimed, and Trustpilot notes that the company has not invited its customers to review it, so the reviews may not be representative.
Complaints on this site. 34 published complaint reports are linked to this profile. Most were written between 2003 and 2011 and describe the recruiting or job-interview process (for example, being contacted through a job board and then invited to a group meeting about a sales role); many mention money such as fees, unpaid time, commissions or licensing costs, and a few concern policy service. Each is one person's account and is not verified. Several further posts name local agencies that the writers tie to American Income Life; they appear as related mentions.
Had an experience with American Income Life? Tell other people what happened.
Submit a ComplaintAmerican Income Life: policy, claim and recruiting questions - what to do
Most people looking up American Income Life are either policyholders with a billing, beneficiary, cancellation or claim question, or job seekers who were contacted about an agent or manager opening. Coverage terms differ by product and state, so keep your own policy at hand.
If you hold an AIL policy.
- Customer Care: 800-433-3405, Monday to Friday, 8:00am to 4:30pm Central.
- The Policyholder Services page has a customer login (myaccount.ailife.com) and these forms: Address/Name/Misc. Change, Beneficiary Change, Bank Draft Authorization, ACH Payment Authorization, Lay-off Waiver and Strike Waiver.
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The page lists no cancellation form. To cancel, call Customer Care, then confirm in writing with your policy number and signature; AIL's printed policy service forms are mailed to American Income Life Insurance Company, PO Box 2608, Waco, TX 76702 (the claims PO Box 2500 is for claims). Ask for the date the last premium draft will be taken.
- If premiums keep coming out of your bank account after you cancel, tell your bank to stop the payments. Federal rules let you stop a preauthorized electronic payment by notifying your bank at least three business days before the scheduled date.
- A newly issued life policy has a free-look period set by state law, during which you can return it for a refund of the premium; the number of days is printed on the policy.
If you are filing a claim. File online at eclaims.ailife.com, or mail or fax the documents to American Income Life Insurance Company, Claims Department, PO Box 2500, Waco, TX 76702 (fax 254-741-5705).
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For a death claim, send the completed Proof of Death Claimant Statement and a certified death certificate showing cause and manner of death, plus the obituary if available; for accidental deaths or homicides, add the autopsy, toxicology, police and coroner's reports. The company says that a claim on any policy less than two years old "will be subject to further review", which can add time. Two years is the usual contestability period in life insurance, during which an insurer may review the application for misstatements. Separate claim routes exist for accelerated death benefits, waiver of premium and health benefits such as cancer, accident, hospital ICU, heart attack and stroke. Funeral homes can verify coverage and claim status through the Globe Life provider portal linked from the Policyholder Services page.
If you were contacted about a job. AIL's FAQ calls the role "an independent career selling AIL products", and Globe Life's Form 10-K says AIL agents are independent contractors who sell only for Globe Life.
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Before an interview, ask in writing whether the position is employment or an independent-contractor agent role, how you are paid, and which licensing, exam, training or equipment costs you would cover yourself. AIL's career fraud alert says its real recruiters post on traditional job sites, interview by video or in person, and never use Google Hangouts or WhatsApp, ask for sensitive personal information by phone or message, ask for account passwords, or ask for money, gift cards or check cashing. Report a fake recruiter to Globe Life's internal audit team at [email protected], to the FBI at ic3.gov and to the FTC at ReportFraud.ftc.gov; if you gave out personal data, use IdentityTheft.gov.
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Where to complain. Your state insurance department handles complaints about insurers and agents, including claim denials and sales practices; the NAIC's Insurance Departments page links to each one. AIL is a Texas company, and Texas residents can reach the Texas Department of Insurance at tdi.texas.gov or its Consumer Help Line, 800-252-3439. New York policies are issued by National Income Life, so New York residents go to the New York State Department of Financial Services. You can also file with BBB. For sales calls to a number on the Do Not Call Registry, report at donotcall.gov. Agents with employment-status or discrimination concerns can contact the EEOC (see the EEOC section).
EEOC reasonable-cause determination on sales agents (not a court ruling)
Globe Life's Form 10-K for fiscal 2025 (Note 5, Commitments and Contingencies) states: "On September 26, 2024, Globe Life Inc. and its subsidiary, American Income Life Insurance Company, were notified by the Equal Employment Opportunity Commission (EEOC) that the EEOC conducted an investigation of charges filed against Globe Life Inc. and/or American Income Life Insurance Company by five former sales agents and one then-current sales agent."
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The filing says the EEOC "asserts that there is reasonable cause to believe the six complainants were employees, not independent contractors," that they were discriminated against on the basis of sex (and one also on the basis of race), and that a class of female workers was subjected to systemic, class-wide sex discrimination. It adds that the EEOC's "investigative findings are not binding on Globe Life Inc.", that the conciliation process "has concluded without achieving a resolution" on October 31, 2024, that the EEOC "may elect to file a lawsuit", and that since then the companies "have not received any further communication from the EEOC". The filing says Globe Life will not repeat this disclosure in future filings unless there are material updates, and its 2026 quarterly reports no longer include it.
The 10-K's risk-factor section adds that in September 2024 the EEOC "notified us that it had determined that all sales agents affiliated with State General Agent Simon Arias were employees, not independent contractors, of Globe Life Inc. and/or AIL. Such determination is not binding", and that "From time to time, we are subject to civil litigation, including class and collective action litigation, alleging that we have improperly classified certain of our sales agents as independent contractors."
An EEOC reasonable-cause determination is the agency's view after an investigation, not a court ruling. Globe Life's filings do not report an EEOC lawsuit. If you work or worked as an AIL agent and believe you were discriminated against, you can file your own charge with the EEOC (eeoc.gov or 1-800-669-4000); the deadline is generally 180 calendar days after the discrimination, extended to 300 days where a state or local agency enforces a similar law. Title VII protects employees, so whether an agent counts as an employee is decided case by case.
The same Note 5 says the Globe Life companies are "subject to litigation, including... alleged worker misclassification" and "alleged employment discrimination", and that management "does not believe that it is reasonably possible that such litigation will have a material adverse effect" on Globe Life's financial condition, results or liquidity.
Litigation: Do Not Call and data-incident settlements, shareholder suits against Globe Life Inc.
Do Not Call class settlement (final approval granted). In Fuld v. American Income Life Insurance Co., No. 1:23-cv-01420-JPH-MG (S.D. Ind.), the plaintiff alleged that AIL made sales calls to numbers on the National Do Not Call Registry in violation of the Telephone Consumer Protection Act. After a hearing on January 21, 2026, the court approved the class settlement in an order filed January 23, 2026, finding it fair, adequate and reasonable, and awarded class counsel $4,666,666.66 in fees. The order defines the class as people associated with 49,695 phone numbers that were on the registry for at least 30 days and received more than one call placed on AIL's behalf within any 12-month period between August 11, 2019 and December 4, 2024, and who were not AIL insureds. Published settlement summaries put the fund at $14 million and say AIL did not admit wrongdoing; the claim deadline was November 25, 2025. If AIL agents still call a number on the registry, you can report it at donotcall.gov.
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Data-incident class settlement naming American Income Life. In re American Income Life Ins. Co. and Globe Life Inc. Data Breach Litig., No. 6:25-cv-00262 (W.D. Tex.), concerns a data incident on or about October 2, 2024. The court-approved notice lists the possibly exposed information as names, physical addresses, email addresses, phone numbers, Social Security numbers, health-related information and health insurance policy information, and says the defendants deny all wrongdoing. You are a class member if the defendants sent you a letter saying your information may have been exposed. The claim form deadline for cash payments was October 19, 2026; the opt-out and objection deadline is November 16, 2026, and the final approval hearing is set for December 14, 2026 at 2:00 p.m. Central in Waco. Class members who do not opt out get two years of credit monitoring without filing a claim form; enrollment opens only after final approval and any appeals. Settlement administrator: Kroll Settlement Administration LLC, (833) 930-0155, P.O. Box 225391, New York, NY 10150-5391.
Shareholder suits against Globe Life Inc. (parent company). These cases are brought by investors, not policyholders, and Globe Life's filings do not name American Income Life Insurance Company as a defendant. A securities class action filed on April 30, 2024 in the Eastern District of Texas (City of Miami General Employees' & Sanitation Employees' Retirement Trust v. Globe Life Inc., No. 4:24-cv-00376) survived a motion to dismiss on September 29, 2025; according to Globe Life's second-quarter 2026 Form 10-Q, the lead plaintiffs moved for class certification on May 15, 2026, and Globe Life says it will defend the case vigorously. Shareholder derivative suits against Globe Life directors and officers, which the company says largely track that case and stem wholly or partly from a short seller report, are pending in the same federal court and in the Texas Business Court, where the case was stayed in February 2026. All of these claims are allegations, and no settlement or judgment is reported.
Court & Public Records
City of Miami General Employees' & Sanitation Employees' Retirement Trust v. Globe Life Inc.
FiledThe docket shows no ruling on class certification, and no class has been certified and no settlement or judgment is reported.
Case details: City of Miami General Employees' & Sanitation Employees' Retirement Trust v. Globe Life Inc.Show less
Pending putative securities class action against Globe Life Inc. and current and former executives, on behalf of purchasers of Globe Life securities from May 8, 2019 through April 10, 2024; Globe Life's filings do not describe American Income Life Insurance Company as a defendant. The defendants' motion to dismiss was denied on September 29, 2025, and Globe Life says it plans to defend the case vigorously. The lead plaintiffs moved for class certification on May 15, 2026; the plaintiffs filed their reply in support of the motion on October 7, 2026.
In re Globe Life Inc. Stockholder Derivative Litigation
FiledPending; no judgment on the merits is reported in the filings.
Case details: In re Globe Life Inc. Stockholder Derivative LitigationShow less
Consolidated shareholder derivative action (breach of fiduciary duty claims) against current and former Globe Life executives and directors, with Globe Life Inc. as nominal defendant. Per the Form 10-K, the proceedings were stayed by agreement pending the motion to dismiss in the City of Miami matter, and related derivative cases were filed in November 2025 and in Dallas County Business Court on September 19, 2025. Per the Form 10-Q for the quarter ended June 30, 2026: on April 17, 2026 the Court appointed Plymouth as Lead Plaintiff in the later-filed federal derivative action (No. 4:25-cv-01246-ALM), on May 8, 2026 Plymouth filed a consolidated complaint, and on June 23, 2026 defendants filed a motion to dismiss it.
In re American Income Life Insurance Co. and Globe Life Inc. Data Breach Litigation
FiledCentral.
Case details: In re American Income Life Insurance Co. and Globe Life Inc. Data Breach LitigationShow less
Proposed class settlement awaiting the court's final approval. The case concerns a data incident on or about October 2, 2024; the plaintiffs allege the defendants failed to properly protect personal information, and the defendants deny all wrongdoing. Under the proposed settlement the defendants will provide up to $3.4 million for cash payments (documented losses up to $5,000 and up to four hours of lost time at $18 per hour) plus two years of credit monitoring. The claim form deadline was October 19, 2026; the opt-out and objection deadline is November 16, 2026; the final approval hearing is set for December 14, 2026 at 2:00 p.m.
Fuld v. American Income Life Insurance Company
SettledThe claim deadline was November 25, 2025.
Case details: Fuld v. American Income Life Insurance CompanyShow less
Class action under the Telephone Consumer Protection Act alleging that American Income Life made sales calls to numbers listed on the National Do Not Call Registry. The court held the final approval hearing on January 21, 2026 and, in an order filed January 23, 2026, approved the class settlement as fair, adequate and reasonable and awarded class counsel fees of $4,666,666.66. The class covers people associated with 49,695 phone numbers that were on the registry at least 30 days and received more than one call placed on AIL's behalf within any 12 months between August 11, 2019 and December 4, 2024, excluding AIL insureds. Published settlement summaries put the fund at $14 million, and settlement summaries say AIL did not admit wrongdoing.
Who American Income Life is
American Income Life Insurance Company is a subsidiary of Globe Life Inc., and Globe Life's Form 10-K for fiscal 2025 describes its American Income Life Division as underwritten by American Income Life Insurance Company of Waco, Texas, selling "individual life and supplemental health limited-benefit insurance marketed to working families" through "11,920 average producing agents in the U.S., Canada, and New Zealand." The same filing lists Globe Life's other primary subsidiaries as Globe Life And Accident Insurance Company, Liberty National Life Insurance Company, Family Heritage Life Insurance Company of America and United American Insurance Company; each is a different company with its own policies and complaints.
The company dates its start to 1951: its history page says Bernard Rapoport founded American Income Life with $25,000 of borrowed capital, and its timeline credits company president Harold Goodman and his nephew Bernard Rapoport. The same timeline says that in 1954 the two founders formed a new company named American Income Life Insurance Company, which is why the careers site (ailcareers.com) gives 1954 as the start date. American Income Life was sold to Torchmark Corporation in 1994 for $563 million, according to the history page; Torchmark renamed itself Globe Life Inc. in August 2019, so complaints written before then may refer to Torchmark.
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AIL sells supplemental life and health coverage to members of labor unions, credit unions and associations, often after offering a free benefit such as its No-Cost Child Safe Kit, which it says is endorsed by the International Union of Police Associations; a licensed agent then contacts the family. Its FAQ says people without a sponsoring union or association can still buy coverage. In New York, policies are issued by its subsidiary National Income Life Insurance Company (nilife.com). For 2025, the home page says American Income paid $298,227,106 in claims ($270,866,139 life and $27,360,967 health), and the claims page says AIL and National Income Life together paid $287,140,775 in life insurance claims.
BBB's headquarters profile lists 7677 Henneman Way, McKinney, TX 75070, the same address Globe Life gives the SEC. BBB also lists separate profiles for local agencies that use the American Income Life name; the BBB figures on this page come from the headquarters profile.
Company Relationships
- Owned byGlobe Life Inc.
- Affiliated withNational Income Life Insurance Company
- Affiliated withGlobe Life And Accident Insurance Company
- Affiliated withLiberty National Life Insurance Company
- Affiliated withFamily Heritage Life Insurance Company of America
- Affiliated withUnited American Insurance Company
Frequently Asked Questions
How do I contact American Income Life about my policy?
Call Customer Care at 800-433-3405, Monday to Friday, 8:00am to 4:30pm Central. Policy details are available through the customer login at myaccount.ailife.com, and the Policyholder Services page has forms for address or name changes, beneficiary changes, and bank draft or ACH payment authorization. Keep a written record of each contact.
How do I cancel an American Income Life policy?
The Policyholder Services page lists no cancellation form; its forms cover address, name and beneficiary changes, bank draft and ACH authorization, and lay-off or strike waivers. Call Customer Care at 800-433-3405 (Monday to Friday, 8:00am to 4:30pm Central), then send a signed cancellation letter with your policy number to American Income Life Insurance Company, PO Box 2608, Waco, TX 76702, the address printed on AIL's policy service forms, and ask for the date the last premium draft will be taken. Note the date and the representative's name. If drafts continue, tell your bank to stop them at least three business days before the next scheduled payment. A new policy can be returned within the free-look period printed on it.
How do I file a claim with American Income Life?
File online at eclaims.ailife.com, or mail or fax the documents to American Income Life Insurance Company, Claims Department, PO Box 2500, Waco, TX 76702 (fax 254-741-5705). A death claim needs the completed Proof of Death Claimant Statement and a certified death certificate showing cause and manner of death. Processing times vary by product, and a claim on a policy less than two years old receives further review. Funeral homes can verify coverage and claim status through the provider portal linked from the Policyholder Services page.
Is an American Income Life agent an employee or an independent contractor?
Globe Life's Form 10-K for fiscal 2025 says "Agents of American Income Life, Liberty National and Family Heritage are independent contractors that exclusively sell for Globe Life." The same filing discloses that the EEOC asserted reasonable cause to believe six complainants were employees, not independent contractors; Globe Life notes the EEOC's findings are not binding on it. Ask any recruiter to state the arrangement in writing.
What does American Income Life say about recruiting fraud?
Its career fraud alert warns that impostors post fake job listings in its name. Real recruiters use traditional job sites and interview by video or in person; they never use apps such as Google Hangouts or WhatsApp, never ask for sensitive personal information or account passwords by phone or message, and never ask for money, gift cards or check cashing. Report an impostor to Globe Life's internal audit team at [email protected] and to the FBI at ic3.gov; if you shared personal data, use IdentityTheft.gov.
What is the relationship between American Income Life and Globe Life?
American Income Life Insurance Company is a subsidiary of Globe Life Inc. (NYSE: GL). Globe Life's other primary subsidiaries listed in its 10-K are Globe Life And Accident, Liberty National, Family Heritage and United American. Each is a separate company with its own policies. In New York, AIL products are sold through its wholly owned subsidiary National Income Life Insurance Company.
What do BBB and Trustpilot show for American Income Life?
The BBB headquarters profile shows BBB Accreditation, an A+ rating, 984 complaints in the last three years (276 in the last 12 months) and a customer-review average of 1.33 out of 5 from 816 reviews. Trustpilot shows a TrustScore of 2.1 from 12 reviews on an unclaimed profile. These are separate sources and are not combined.
Where can I file a complaint about an insurer or insurance agent?
Start with your state insurance department, which handles complaints about insurers and licensed agents, including claim denials and sales practices; the NAIC's Insurance Departments page links to every state. You can also file with BBB. Report fake recruiters to [email protected], ic3.gov and ReportFraud.ftc.gov, and unwanted sales calls to a number on the Do Not Call Registry at donotcall.gov.
Does American Income Life offer remote jobs?
American Income Life lists its corporate office openings on ailife.com. When the list was checked on November 5, 2026, it included Customer Retention Representative and Customer Service Representative roles marked fully remote, and hybrid roles in Waco, Texas. Agent sales careers are on a separate site, ailcareers.com, linked from the same menu as AIL Agent Careers.
How does American Income Life handle complaints?
The Complaint Process link on ailife.com opens the company's complaint process for Canada; a separate page covers New Zealand. Step 1 is to contact the American Income Life agency in your area, which will often provide a faster solution, or the head office: American Income Life Insurance Company, PO Box 2608, Waco, Texas 76797, telephone (254) 761-6400 or (800) 433-3405, e-mail [email protected]. If you are dissatisfied with that response, step 2 is a written complaint to the contact named on that page at PO Box 8080, McKinney, Texas 75070-8080, with your policy number, claim number if applicable, and all supporting documentation. If the concern is still unresolved after steps 1 and 2, step 3 is a written complaint to the ombudsman at PO Box 2608, Waco, Texas 76797.
Related Complaints
Names this company in a role other than the primary subject — not necessarily current or complete.
Sources (10)
American Income Life (own site)
- ailife.com history page ailife.com
- ailife.com home page ailife.com
Public records
- Globe Life Inc. Form 10-K for fiscal 2025, SEC EDGAR sec.gov
- Globe Life Inc. Form 10-Q for the second quarter of 2026, SEC EDGAR sec.gov
Review sites
Other
- Top Class Actions summary of the Fuld v. American Income Life settlement topclassactions.com
- ailcareers.com career fraud alert ailcareers.com
- AIL data incident settlement website aildatasettlement.com
- Court-authorized notice of the AIL and Globe Life data incident settlement classaction.org
- Order granting approval of class settlement, Fuld v. American Income Life, S.D. Ind. dnc.com